<prompt> Human: We bought our 155k house a couple months ago. It was an extremely hot market, houses were going before we could even view them, and this one FSBO sort of fell into our laps.Trouble was, we couldnt sell our old house before closing on this one, which meant we didnt have anywhere near the downpayment normally needed.Our glorious lenders proposal was to just put 3 down, as long as we paid PMI. Of course, at the time, we were dumbfounded -founded, really and thought if there was any way to get the house, we should jump at the chance. Now, were paying 240mo on PMI. Which, now that Im researching is...quite high for PMI in general.Ive been wracking my brain trying to figure out how to get out of this. We have enough income to pay about 1kmo extra towards principal - Ive been doing about 600 so far. That seems like the most clean way to do it, but I dont know that we can keep that up for much more than a year. At my current rate itll take about 2.5 years to pay the house down to 80 of value.Any suggestions? Were considering some remodeling work, but the ROI on that isnt exactly what HGTV suggests it is they spent 25k and the house is worth 50k more now, wow! We can add a bedroom by just getting an egress window in our master suite in the basement current has no egress doesnt count as a bedroom. But short of that, nothing else seems worth it - other than for our own comfort in the home, but not for getting it to appraise significantly higher.Or, do we just invest our extra income right now, get a little bit of return, and pay it down in one chunk?Edit: Forgot to mention, we used the proceeds from the old house sale to pay off a lot of credit card debt. That money is basically gone, but well spent.  <response>: Were considering some remodeling work, but the ROI on that isnt exactly what HGTV suggests it is they spent 25k and the house is worth 50k more now, wow! These are entertainment shows, not reality based home improvement shows. Remodeling can wait. 