But, just realize that maybe its not an apples to apples comparison that you are doing. 

You’ll see several listings so you can compare apples to apples.

People tend to go with a low bid, but bids can be all over the place with exclusions and scope of work...so study them closely and make sure they are apples to apples.

So that's the reason for that.And in July the 10 year (and all rates) were significantly lower, which I'm sure you understand, so can't go apples to apple on quotes now vs July.

However, there are some options to invest in the S&P 500 through index funds like VIIIX (Vanguard Institutional Index Fund) with a focus on tech companies like Apple, Microsoft, Google, Nvidia, Tesla, Amazon, etc.

This goes to show that one should not assume a few rotten apples does not equate to the whole barrel being rotten.

At a minimum, I would at least seek a second opinion from another agent three quotes, don't commit until you are satisfied and are comparing apples to apples.

It wouldn't be quite an apples to apples comparison with other outside management companies.  

With that in hand I compare the total cash flow and appreciation for the entire portfolio and can see clearly whether I will be making more money post-refi.Excel and Apple Numbers offer functions (PPMT, IPMT) to generate principal and interest for an specific payment period in the life of a loan.

I recommend asking your agents what is and isn’t covered so you are comparing apples to apples.