Very timely thread--I am considering using multiple SDs in lieu of a cap reduction as well. My problem is that the initial MF that I'm being offered is .002500 instead of .00200--so I need improve that starting point before I work on lowering it with MSDs.
Seems like a no-brainer though if you already intended to put $5k down--you are just putting it in one bucket instead of the other, and that money eventually comes back to you. It does feel like I am missing something though, as anyone who was putting money into the deal should be taking this route.
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