[quote=sdcellar]It was a fun lunchtime project, but I now that I know the details of the comps, yes, you’re doing a lot of guessing. Are you factoring in a refinance as well?

Can we ever have a discussion where you don’t tip every variable in your favor to the fullest extent possible?[/quote]
No refinancing. I just use their purchase price – 20% down to get an estimate of what their original loan would be. I provided all my data for you to see. I use the sold price, the date it was sold, then I go here:http://mortgage-x.com/general/historical_rates.asp, and find out what the rate was at that time. Please do tell where I’m “tipping” the variables? Also, please do tell what I’m guessing on?

Can we ever have a discussion where you see the forest from the trees? You seem to get bogged down on the nitty gritty details trying to disprove my point that you often time fail to see what my original point was.