Investors may be overestimating the negative impact of the refinance bust and missing key strategies that Countrywide Financial has in play that will sustain profitability, according to Morgan Stanley. The Wall Street firm raised its price target for Countrywide stock from $60 to $75 in a Jan. 14 report by Ken Posner. The mortgage company’s stock was trading at about $53 early this week. Morgan Stanley raised its rating on Countrywide from Equal-weight to