If my plan was to hold onto this short term (let's just say 2-3 years out of thin air), it makes no sense to pay the point up front and I would opt for the higher percentage rate per month.I know I've heard/read that some people would argue that it rarely ever makes sense to pay the point up front, but if its a long term play, I don't truly understand why that might be...Any info appreciated!

Inspection only listed 1 surprise, it only has a furnace not central air, although my AC guy doesn't see an issue with the upgrade - being a foreclosure it was "as is".

I'm not sure the electric bill would be higher, as central heat & air is usually more energy consumptive than a window unit. 

I don't believe quality tenants would rent a property in Phoenix without air conditioning.

I am a UCLA graduate and have a background in film and acting but currently I'm a tech project manager for a startup.I also own a duplex in LA that I rent out and I Air BNB two properties in Greece.What I'm looking for:1.

I'm a retired Air Force veteran and I work full time as a maintenance supervisor for an apartment complex. 

I started changing the air filters for my condos’ ACs and I would take time to scan around then and anytime a repair was needed my handyman would give me the scoop then too.

If you are paying heat/air costs, it will reduce the cost and make you happy. 

I just furnished a house to rent out and the utilities went way up due to air conditioning costs, etc. 

They have changed most of the electrical, there still is a little knob and tube left that they will probably have to fix before lender will loan us the money probably if we decide to buy this.