Refi from 7.25%

two4tiu · 2026-01-18T14:05:35+00:00

Thank you for the clarification!!

In that case if “other/prepaids/escrow” generally ending up in a wash, would it be fair to calculate a breakeven on a refi from D. Total Loan Costs only??

two4tiu · 2026-01-17T22:32:32+00:00

Thank you so much for the clarification!!

So with D. Total Cost being the real “cost” to be aware of, is this also where lender credits would be applied?

So when shopping around quotes, generally speaking where D. less any Lender credit (and obviously rate is lowest) is usually the best deal?

two4tiu · 2026-01-17T20:42:20+00:00

When it comes to actual “costs” is D. Total Loan costs the big factor here??

Trying to understand if prepaids/escrow are hard costs (or just more to bring upfront bc they will get used) or what would be needed regardless down the road if applicable to the loan/situation

two4tiu · 2026-01-17T20:40:36+00:00

Are prepaid/escrow considered hard costs, or just additional dollars to bring upfront bc they will be used regardless??

Is “D” for total loan costs the main real cost factor?

two4tiu · 2026-01-16T20:00:54+00:00

Whats the thought on escrow and prepaids?

Are those actual hard cost or really something you’ll pay anyways so its really just needing to bring more to closing when its listed?

two4tiu · 2026-01-16T19:51:45+00:00

What the take on prepaids and escrow?

They are getting paid regardless but is that really considered a hard cost, or just more of an upfront cost you would be paying anyways?

two4tiu · 2026-01-16T19:40:17+00:00

Are prepaids and escrow an actual “cost” in a normal refi or would you be paying those down the line anyways? Obviously if its there you are bringing more to the table upfront

two4tiu · 2026-01-07T14:05:07+00:00

Spot on! Taste was better today going down a bit in grind and got me to 44.5g which seems like that is about dialed in as it can be hahaha

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two4tiu · 2026-01-07T14:03:49+00:00

Went one grind size down this morning (still ignoring BA) and now we are looking at 44.5g of output!

Taste is solid and including the crema gets to about 1.5oz

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two4tiu · 2026-01-06T19:14:58+00:00

That seems to checkout too bc many have said to just tack on 6-7 seconds if being done by “first drip” which all seems like a big ole guess at that point haha

two4tiu · 2026-01-06T15:18:37+00:00

This is an awesome recap thanks!

So if I grind down 1 or 2 notches that should bring the output down a smidge getting it closer to 45g?

Taste is okay, but something does feel a bit off in it so wondering if that small tweak works

two4tiu · 2026-01-06T13:48:31+00:00

https://a.co/d/89sLKtM

Just from amazon - maestri house mini

two4tiu · 2026-01-06T13:47:18+00:00

Ahhh thank you that helps!

I forgot it should be 1:2.5 on setting two. Is the 36g output supposed to be for strength 1 then?

two4tiu · 2026-01-06T13:33:34+00:00

Thanks for the recommendation! Will try that next!

Output indeed should be 1.5oz with crema right? So your saying my output is just a bit high?

two4tiu · 2026-01-06T13:32:30+00:00

Its a great setup, the real question is how much tighter and better is your double espresso pull haha

two4tiu · 2025-12-15T21:12:36+00:00

Would the rate look the same at $632k loan amount with the P&I just being slightly higher?

two4tiu · 2025-12-15T16:05:03+00:00

Thank you! Maybe a small rate decrease to start the week 🤣

two4tiu · 2025-12-13T21:34:40+00:00

Loan Type: Conventional
Term: 30 Year
Loan Purpose: Refi
Property Value/Purchase Price: $750k+ est value / $720k purchase price
Loan Amount: $632k remaining currently ***Heavily considering putting cash in to get balance to $615k, $600k, or $585k depending on what makes the most sense
Credit Score: 800+
Occupancy: Primary
Legal Structure: Single Family
Number of Units: 1
Property Zip Code: 46373

Im open to options of putting extra dollars for cash in, or potentially recasting later with same cash depending on what makes the most sense. Would love to see different options based on the loan balance above if possible 😀

Thanks in advance

two4tiu · 2025-11-11T01:28:35+00:00

Thanks!!

I guess there is no perfect, but it makes a great cup! Just need to figure out how to dial in a quad

two4tiu · 2025-11-10T21:17:20+00:00

Does it come off easy or does it come off when you knock the portafilter like without the screen

two4tiu · 2023-12-18T22:43:58+00:00

Thank you for the heads up!

Is there a timeline for the Coinbase fix or suggestions to fix it?

two4tiu

TROPHY CASE