Case in point, Treasury Secretary Janet Yellen recently testified in front of Congress and expressed explicit concern over non-bank mortgage lenders.

And you can easily get a hassle free, risk free 5% or ~$1,000/month return right now (wealthfront, treasury notes, money market mutual fund, CDs)...or roll it into a different investment property.

You can buy short duration treasuries and rip 4-5% at the moment.

PMI is so cheap that you could put that extra 15-20% into a US treasury bond and have more than enough to cover PMI. 

The "stop the clock" suspension for military personnel applies when the member is on qualified extended duty:Qualified extended duty.You are on qualified extended duty if: You are called or ordered to active duty for an indefinite period, or for a definite period of more than 90 days.You are serving at a duty station at least 50 miles from your main home, or you are living in government quarters under government orders.You are one of the following:A member of the armed forces (Army, Navy, Air Force, Marine Corps, Coast Guard);A member of the commissioned corps of the National Oceanic and Atmospheric Administration (NOAA) or the Public Health Service;A Foreign Service chief of mission, ambassador-at-large, or officer;A member of the Senior Foreign Service or the Foreign Service personnel;An employee, enrolled volunteer, or enrolled volunteer leader of the Peace Corps serving outside the United States; orAn employee of the intelligence community, meaning:The Office of the Director of National Intelligence, the Central Intelligence Agency, the National Security Agency, the Defense Intelligence Agency, the National Geospatial-Intelligence Agency, or the National Reconnaissance Office;Any other office within the Department of Defense for the collection of specialized national intelligence through reconnaissance programs;Any of the intelligence elements of the Army, the Navy, the Air Force, the Marine Corps, the Federal Bureau of Investigation, the Department of Treasury, the Department of Energy, and the Coast Guard;The Bureau of Intelligence and Research of the Department of State; orAny of the elements of the Department of Homeland Security concerned with the analyses of foreign intelligence information.So, once your husband's active duty ends or he moves back within 50 miles of your home, the "stop the clock" suspension ends.

@James Wise Yeah I won't invest >10% in crypto since it's just a huge casino right now.

Here are some example figures that you could expect (based on today's 5-year treasury rate) for your refinance.

My accountant gave me instruction for paying the amount:  Include Form 1040-V and a check or money order in the amount of $269.00, payable to     the "United States Treasury".

Plenty of other circumstances where this might be needed....bankruptcy sales, tax valuation suits, probate disputes, sales in business breakups, Treasury department sales.Hope that makes sense.   

Among real estate investors, many are against the stock market claiming 1: Wall Street is rigged 2: Wall Street is a casino and/or 3: houses don’t go to zero.