Details? I think you may have that reversed. Forest and trees, same thing. I’d answer your “tipping” question, but unfortunately, that requires detail and I’m not sure if that’s allowed.

What I can say is you ignore square footage when it suits you and things like cul-de-sacs, location and lot sizes (and layouts).

If you saw the forest, you’d understand that even historically, some people made better and worse purchases, but you ignore that and make stunning assumptions. You seem to have a predilection to gravitate toward the ones that make you look better.

As far as refinancing, I was talking about your rate, not the comps (which makes no sense to me, btw). Using the same 80% LTV, I just can’t get the numbers you can for the rough rate it was at the time you bought.