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Agree with this. Also, the industry's regulator recently released a compliance bulletin summarizing the current laws.  You may find this to be helpful background. http://files.consumerfinance.gov/f/201508_cfpb_compliance-bulletin_private-mortgage-insurance-cancellation-and-termination.pdf

If you're willing to drive, I recommend checking out this place: http://www.yelp.com/biz/the-piano-warehouse-van-nuys  Used Yamahas, new Kawai and Pearl River, nice guy and much cheaper than traditional piano dealers.