Kyle - Looks like you have two distinction questions, 1) Whether to refinance, and 2) Whether you should move out of the duplex.

I put all new flooring in the upper level of their unit, its a bi-level duplex, and the bedrooms are in the basement, which has carpeting, as did my side, but I tore my carpet out due to years of dog urine never cleaned out of it, which soaked into the cement and even after enzyme cleaning and layers of scent sealing paint and then vinyl plank flooring, I can still smell it in the damp weather.

This distinction is between the purchase mortgage and the refinance mortgage.

He must make that distinction.

And then you may sign a loan application with them, you may pay some fees, rate lock, etc. but there is no formal term sheet.Therefore its an important distinction among lenders--s how long does it take to typically close from various stages?

The simple answer is that the easiest way to get your money out would be to have your land surveyed, and carve out a conforming lot, creating two distinctly different parcels of land.

A quick distinction for @Mateusz Prawdzik and the others that like my plan.

There has to be a distinction drawn between the city and suburbs.

@Scott Bottomley The distinction that Maggie made is irrelevant.

@Bill Hamilton  as a broker and a very active buyer.. the whole distinction is I am a buyer..