H moving out tomorrow

[T-boned]

TL, when you said, " I'm pretty sure he will never come back regardless of his MLC, mostly based on pride and stubbornness," my jaw dropped. I've said the very same thing about my H. Are you sure you're not married to my H???

Regarding the appraisal, don't worry much about the cat boxes or the other pets unless they've chewed or scratched holes in your walls, floors, or doors. Appraisers are looking at square footage, condition of the structure, is the outside paint peeling, is the driveway or roof in need of repair, condition of the appliances and floors, ammenities like big windows, big yard, a view, other homes in the neighborhood.

Hey, why is it $10,000 for you to re-fi? Seems a little steep. Ask if he'll roll it into the loan - 10G won't change your monthly payment that much. That way you can spread it out over 30 years or whatever your time frame may be.