A bit surprisingly it has resulted in jurisdictions contemplating it, but the only San Diego jurisdiction that I have heard so much as discuss it is spring valley.  

Sometimes you'll get a pleasant surprise.

I'm surprised they haven't shut the water off yet with a balance that large.

That being said, I can certainly work within the 90k-120k refi.Depending on the area, I'm not surprised that banks/CUs would struggle.

State Farm is surprisingly good.

I am surprised this is the first time you have run into a problem not being able to keep tabs on your house.  

It's not a big surprise by any means even if 40% of people assumed 25. 

The hairstylist, that's what they do 24/7,  Dentist knows the ins and out of your mouth and the restaurant is capable of basically save you time  and perhaps surprise you with new mist of flavors. 

Accurately budget for repairs with a buffer for surprises, aiming for a 10-20% ROI.

Surprises can add up quickly, so this will help keep you on track.