About 63% of people here have a 4 year degree and 25% have a Masters or Doctorate degree and there wasn't nearly as much supply because we have limited room to expand and it's a higher income economy where people can carry their mortgage if they lose their job.As the recovery started to kick off, a few years in, as housing prices increased here, I predicted condo's would suddenly start to go up much faster in price because they are a substitute good.

Most would have stayed quiet, but thanks to your post I am sure others may avoid the pain of getting into a similar situation with this company...I trully hope that your recovery will come soon and that you and your wife will find the peace of mind you well deserve!

Quote from @Maksu Ize: Next time someone smokes meth in your house, clean it yourself, move onInvolving the city, police etc will only make your road to financial recovery long People eventually get caught, In Detroit we didn't have a meth problem for as long as I can remember.

I am a Hall of Fame athlete at my Ivy School. 

Since I am adding the closing costs of 5k to the loan, I will need to also account for the additional interest I am paying on this 5K which adds to recovery time.I was curious if there was a general guideline which recommends whether you should be below a certain recovery duration for refinance to be beneficial.

It is surely a painful and time consuming process and I guess you also need to weigh whether the amount you need to recover is worth the additional costs and time.

Things move slowly in REI- we're in a recession that may get worse and you may find some respite for buyers, but a lot of seller's aren't interested into selling into a recession if we do in fact have the "V shaped recovery" so many have predicted... 

https://www.business2community.com/tech-gadgets/covid-19s-impact-on-tech-spending-this-year-02297147In either a second-half 2020 recovery or recession, Forrester predicts computer and communications equipment spending will be weakest, with potential declines of 5% to 10%.Tech consulting and systems integration services spending will be flat in a temporary slowdown and could be down by up to 5% if firms cut back on new tech projects.Software spending growth will slow to the 2% to 4% range in the best case and will post no growth in the worst case of a recession.The only positive signs from the latest Forrester IT spending forecast is the continued growth in demand for cloud infrastructure services and potential increases in spending on specialized software.

If i had to do it over I would but only because of being an athlete and the connections/ relationships .

Among my life goals is endowing an athletic scholarship in my father's name at my alma mater.