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Hello all!

Thanks to everyone who replied and for all of the great information. Like I said, I thought I was in good shape, but the differences in the various calculators got me thinking.

As for some of your comments:
1) Yes, I'm single.
2) The $300K future refinance $$ will be from an investment property (not my home).
3)...and lastly, a couple of you have referred to me as a "he", but I'm female... very interesting.

Thanks again for all of your time and thoughts!
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