Nah, the MF amount you might save from trading that deed in on a different one would be eaten up by the cost of the new deed and then some. You have the Hawaii deed and I would just use it. The resale deed would be just added to your existing deed. I have 22400 points every year and I am always borrowing from the following year. You bought it, just use it and add to it if you think you will use the extra points. If you don’t think you would be able to use more points, than just keep what you have and enjoy it.