It was supposed to be only  1 and once we dropped back to 1 we could instantly see the difference.

So many scammers, spam and unqualified folks that we decided to drop it.

Quote from @Raymond Whitley: Not sure if Goosehead is in your area, but a broker like someone at this company can really help you in challenge times for insurance like this current market with so many carriers dropping out completely or raising rates on everyone. 

We have lived in our apartment for nearly three years without any issues, but since April, new neighbors moved in upstairs, and the noise has become unbearable.At all hours of the day and night, it sounds like constant walking, furniture screeching, and items being dropped—even until 4 a.m.

Maybe if i was 65 and wanted to get away and retire but still meet people, but I viewed it also as not sellable and as you mentioned at this time someone could have bought a piece of land for $50k or less and dropped tiny homes on it and saved 50%.

Honestly seems like a little overkill on this decision - unless its strictly a rate-term refinance because rates have dropped, it usually just should come down to a side by side comparison of status quo vs. refinanced (+ how any cash-out capital is deployed)

That Last sentence to your response is "mic drop" worthy @Randy Achi! 

Drop the bathroom count by a half like I said.There are comps.

I'd bet if there were a good field of competition the price would drop

Should I drop the price to 1700?