Simplisticly speaking my rate has to be 5% for the next 5 years for it to be a wash (I saved 1% for 5 years with ARM and lost 1% with ARM over next 5 years).

This is a super simplistic version that doesn't take into account time value of money (what it would make if that 2k was invested instead of used in refinancing), or different interest rates, or time spent finding a bank to refinance with or... well, you get the point. 

I now only use online lenders like simplist or quicken because all I do each morning is log in, see which docs they need, and upload.

Too simplistic?

I get the idea is to buy a multi family house and live in one of the units while the tenants of the other units pay the mortgage (overly simplistic, I'm sure).My question is, has anyone ever done this and have issues living in the same building as your tenant?

The GL coding is simplistic and easy for my three units.

This sounds so simplistic but it's so often overlooked.

Looking at it simplistically, you would cut that income in half.

Up till now, I've been using a flat 0.75% of property value, but I worry that's too simplistic.

There's one problem however; we live on an agriculturally zoned property and most banks are too simplistic to loan against such a property.