We still make the final decision.

Here are some diagrams to help you in your quest for answers on this subject:Asset Protection Decision Diagram - to help assess the need for asset protection, and what to implement : https://www.biggerpockets.com/files/user/CosIorg/file/asset-protection-decision-diagramAsset Protection Onion Diagram - what, when and at what cost one should implement in terms of asset protection - https://www.biggerpockets.com/files/user/CosIorg/file/asset-protection-onion-diagram-v2What is needed for a complete asset protection OR the domains that need to be intersected to find asset protection

The key is to understand how they will be making decisions that they don't consult you on because you have to give them some rope to make decisions on your behalf or it defeats the purpose of having a PM in the first place. 

I know this is not the popular opinion on BP, but this is the reality if you make investment decisions based on the metrics you are prioritizing. 

Which option is the best route business-wise is a complex decision.

So the idea that all the lower bids are 500 less than the highest is just incorrect.

Having accurate figures will enable you to make informed decisions.

Lean on your team to make decisions, but know in the end it is you who has to make the decisions. 

Permit me to express my personal viewpoint: the year 2020 has truly been a turning point in my life, as I made a resolute decision to bring order and organization into my life.

That's how many months its going to take you just to break even and for it to START being a good decision to refi.