Hi, looks like we need to make our assumptions clearer. We assume an approximate 6% cost on selling a home (changes regionally). You will be able to flex your ROI shortly.
Not sure I understand the point about 4% vs 4.65%. If you see a rate of 4% on our site you can execute at that price. If you have problems with the bank, let us know and we'll go to bat for you but everything on our site is actionable.