There is no such thing as one bank or mortgage company that's the right total value proposition for all use-cases, it's necessary to factor in both "hard" costs like rate and points, and "soft" costs such as how fast do they go and how easy are they to work with, to find the right home for that particular loan.Since this is a refi and not time-sensitive: If you are super busy and your time is worth $100/hr, I'd say #1 is a no-brainer.

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You can also do sensitivity analysis using spreadsheets to determine safety margins and how variables influence profitability.

If you expect to hold a property for any length of time, then IRR -- which is sensitive to both the magnitude and the timing of future cash flows -- can tell you more about its expected performance.

This deal is time sensitive as I have exclusive insight right now before it goes to market.

Not at all saying this is something you would do by any means, but, as tenants apply for various apartments, fraudsters will try to collect that information themselves for the sake of "screening" when really they're just trying to get as many sensitive details as they can, including SSN and name. 

I have a cost-sensitive resident who is trying to build credit, so this is what we settled on.

I found a property under contract that has R4 zoning with some sensitive area.

Resolving the situation outside of court will save you the most money but it will take effort, sensitivity, and persistence to make it happen.

Yes, you need to be price sensitive to a certain extent, but you also "get what you pay for".