I work / live / play in the PHX metro area, so you've picked a great market I'm very familiar with. 

You may need to play around with how you word your request, so you won't get charged for an excessive amount of pages. 

At the end of the year, if I am over that average I take out all but 90% percent (I keep playing with this number to make sure I keep enough at the beginning of the year, but not have too much at the end of the year).

But, I am still confused where a refi comes in to play, or doesn't, in your hold scenario.  

Generally speaking, other than a fire wall and additional sound proofing, what other costs come into play w/ duplexes or mfh in regards to that joined wall?

It is also why virtually every RE syndication has an appreciation play.  

Although I still do not forget my slight increase, I play in an online casino from time to time.

Curious exactly how does DTI come into play when buying a non owner occupied investment property with conventional mortgages.

It's not much of a prediction as it's more just reciting from the political play-book on election strategy. 

Do you see the BS propaganda at play in this narrative being spoon feed to the public?