In other words to me it seems there is a conflict of interest for the same bank to refi me as in the end if done correctly I should no longer have PMI and a lower payment both of which is less money for the bank.

@Lisa LopezYou are correct !

Because a pre-approval (if done correctly) is really just a gameplan.  

So if the calculations are done correctly on these deals, they should be throwing off as much as several hundred dollars per month in cash flow?

Hello,   I want to get my calculations as correct as possible for determining possible cash flow. 

With the big company's, they pack the schedule so tight, you don't have time to do things the correct way every time, not even most of the time.My point is, maybe start looking for contractors with their own name on the truck.

Correct, the basis is stepped up to current value at the Time of inheritance.  

Additionally, if you have the cash in the bank and there is another market correction you will not have to worry about loosing access to your funding.

A stately house with a complicated history is being auctioned off in Jacksonville’s Riverside neighborhood.The property, which was last owned by the state Department of Corrections, could be yours for the right price.Duval County property records show the five bedroom, two-and-a-half bath brick home was built as a rooming house in 1927.

I've been trying to avoid continuing to post on this thread because you have been given the correct answer multiple times by various credible sources, but continue to argue your point, and it is tiresome.