MM, correct me if I’m wrong, but I seem to remember somewhere that you bought your home in urban SD (92104?).
Sold comps in SD have been shooting up in the last six months or so. Certainly, your home is will now appraise for enough to obtain a 75% LTV mortgage, no? If it won’t, why don’t you work on the front landscape, including any cracked concrete and any deferred maintenance such as sanding and refinishing cedar/redwood built-ins and floors, etc. That’s what sells around there.
And if your garage is too small to park in and there is room to enlarge it, now is the time to do so. Even an antiquated garage with french doors only big enough for storage could be made into a 1.5 car …. big enough to park one vehicle in and have room for a MC or small workshop.
These things would help your house appraise THIS YEAR, so you could refi it w/o PMI, IMO.
