1a) Lenders say i shouldn't fear the interest rates as a refinancing could be done fairly easily.

I went back and forth with their VP of Sales about how I paid them to level the home, but they didn't do it, so after some disgruntled emails back and forth (i even tell him that I fear we will not be able to sell the home one day because of it), we finally agreed on $500 for them to come back out and put 2 more piers into the middle of the home.

Try to take at least two people for inspections if the owner will be present so that one can keep the owner occupied.If the owner is sticking too close, you can bet they fear what the tenants will say.

I just feared that perhaps the property market had already run quite hard and finding a good buy to hold investment may be challenging.

We have some barriers to overcome with financing (being newly self employed), and getting over the fear of using non convential financing.

They have much more to 'fear' than you do.  

Even if I find their beliefs crazy as all hell...Do you know if this fear of ghosts is based in a religion?

When interest rates increase demand eventually declines, but we're still in the fear of missing out stage.

Insurance companies make money on the fear of their clients.

Do what every you can to defend your property and do not fear political pressure!