QUIET Exercise Bike Under $300? I'm hoping you can help me! I moved to a place with little soundproofing and neighbors below and next to me who complain about noise at night. Due to my schedule I can only exercise nights indoors and I love cycling so I decided to get an exercise bike but it needs to be quiet. 

Based on what I've learned so far, I want a belted spinner with magnetic resistance. I'm shopping on Amazon since I need to use their card for this but I'm having a hard time finding this combination. I'm willing to forego a spinner and get a regular upright but I don't want to sacrifice magnetic resistance or belt instead of chain. 

Also, I'm short (5'2) so it needs to fit me and I don't care about consoles/programming options/etc. I never use them. I came down to these:

http://www.amazon.com/Sunny-Health-Fitness-Indoor-Cycling/dp/B002CVU2HG/

http://www.amazon.com/Schwinn-140-Upright-Exercise-Bike/dp/B00275R1TY/

Or the 120 model.

Sunny reviews mostly complain about noise saying it's loud because it has pads for resistance and a chain drive where the chain slaps against the side of it or something but it's the only one I saw on Amazon in my budget that didn't have a lot of "defective" complaints.

Schwinn's reviews mostly complain about some kind of defect that causes you to not be able to pedal and a grinding noise right out of the box and needing get it replaced immediately for both models. I think the 120 is magnetic but don't know about the 140. Those problems seem worse to me than the Sunny issue but since I'm buying it to AVOID noise and prefer magnetic resistance, it ends up making this a toughy.

Unfortunately no place nearby has any bikes for me to try so I'm flying blind. Any thoughts on these bikes or any others you know of that would fit what I need for my budget? Even if it's not on Amazon, please let me know it and I'll research it and find a way to get it if I can. Also, I'm not interested in using a trainer, only standalone exercise bike. Thank you!!!
Assuming you already have a bike, have you looked into a trainer? Since you're not buying as much equipment, essentially just the resistance unit, you can get much better quality without spending as much.  I got a CycleOps Fluid2 and it's pretty quiet, and also folds down pretty small which would probably be beneficial in an apartment.  There's quite a wide range of them, and I understand that most of them are pretty quiet as long as you stay away from the cheaper "wind" trainers.