You can pay points to buy the rate down and also use the $7k credit more wisely, after talking through this with Ryan, whom I've copied on this email.

@James Wise @Nels Norquist thanks for your responses! 

@James Wise thank you very much

Thank you, @James Wise!

I would pay the PM a quarterly fee to do this  @James Wise 

It was very block by block price wise with Zillow which for me doesn't paint an accurate picture. 

don't close on loan to buy until you have refi approved and cost nailed down other wise you do as you state take on risk

This will give you the information needed to make a decision income wise.  

What will help bring up the value the most.Maintenance wise I really haven't had any issues with it.

A question for investors, realtors, etc in Florida-- I've been reading Investing Wisely by Alan Lee and at one point in the book he says that financing is easier/quicker to get during the winter months than spring/summer because summer months are the busiest house buying time of the year.