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.

Is it already built out with car lifts and lots of equipment that make its best use as auto only or could it easily be converted to another business?

I feel like the geographic constraints of a traditional broker office have been lifted.   

CA judicial council are considering accepting summons as early as 8-3rd.https://www.kqed.org/news/11823891/california-courts-halt-plan-to-lift-eviction-moratorium-in-august

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.  

Otherwise it just looks like it needs a face-lift with paint, new appliances, ceiling fans and a good cleaning.

It's a simpler way to get your feet wet without the heavy lifting that comes with building from the ground up.

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.