So right now at the end of September- I am considering two options - winterizing or renting short term (heavily under-market just to cover utilities expense) till spring.

I'm of course heavily biased.

The downside is (1) compared with residential, comps used in appraisals are nowhere near as accurate, so the income approach is heavily relied on, which can produce huge swing in “valuation” depending on cap rates, interest rates, revenue swings, expense costs.

I’m leaning heavily towards the 10 yr as I like the idea of having a lot more principle paid down by that time as opposed to the 30 yr.

The SB and AB's that were passed for ADU's were much more effective in creating additional housing, but still just a drop in the bucket for what is needed and the costs to build the ADU's are skyrocketing each month due to labor and materials costs, not to mention material shortages due to supply chain issues which are getting worse, not better (that's across the board for all states, not just CA, but more heavily felt here as Long beach is a HUGE port not currently even close to full operations.)

Not saying Oklahoma isn't great because I believe it is as we are heavily invested in the OK market but sometimes the grass isn't always greener on the other side.

Most claims would not weigh heavily on seperate properties as the insurance is rated by area, claim history, and specific info about each property.

My main concern is the future outlook in an area that relies heavily on one industry that will likely continue to slow down in the future.

My sole focus is to trade expenses of my rent into mortgage ASAP and then use everything else for heavily investing in real estate. 

As long as you promote your properties for rent on the main channels, such as Zillow(One of the best, as it crawls quite a few sources), AZ Republic/AZ Central (Heavily read by many PHX residents), East Valley Tribune, Craigslist (inferior, due to scamming and lack of reach, but still works and free), etc, you will generate a lot of interest.