That's going to play a big role when you refinance in a year like you mentioned. 

I sold a house to a vet that had 100% disability rating and he told me he pays no property taxes....and it appears this way on the tax role too.   

I want to be a role model for my sons, give generously to others, and surround myself with beauty (that may be why I own a flower farm)."

For various reasons, I'm eager for them to just exercise and buy the house.

Level of finishes plays a role as well. 

This is usually only exercised in cases where they can not legally sell the property due to foreclosure process errors. 

While I say we’ve gotten lucky, hard work has played a role, while we have a friendly banker it took work to make him love us, and it took a few project done right to get on the radar for boomers to call us up to off load their properties.

I know that compound interest would play a role in the 401(k) gains, but I would also see it in the real estate market (more properties/more income/more doors/etc.).

My role beyond the financial investment is property management.

The state these are in also plays a major role as in some states you just be licensed to be the mortgage holder etc.