@Amy Verges - my current thinking is similar, would love to get rid of it but an add'l $50k out of pocket is a hard pill to swallow.

The figurative and literal cure would be the magic pill, and a proven and tested vaccine would be developed.https://profootballtalk.nbcsports.com/2020/07/02/allegiant-stadium-is-98-percent-complete-ahead-of-the-july-31-deadline/

Her heating and cooling costs are less than half the neighbors in general (no, didn’t take a pill to see where everybody sets their thermostat).Just my two cents.

That would be a harder pill for me to swallow if it was a 1 BR making significantly less. 

Were the costs of doing the refi a hard pill to swallow.

I would love the input of this great community, and could easily be swayed one way or the other...At the end of the day, both are wins for me to learn.Are you taking the Red Pill or Blue Pill and why?

Having to pump a holding tank every month is a tough pill to swallow.

No magic pill, just plain old cold calling. 

Learning about the seasoning period for a true refinance was a tough pill to swallow.

We want a magic pill because all the things that work well are boring and repetitive.