You have to decide if it is worth a fight over the pro-ration. 

I have a single family house in a class C neighborhood. My tenant texted me that she was thinking about it and she would really appreciate it if we could replace the front door on the house. She said that because the ...

I think the not having phone is due to irrational (or rational ?)

Using analysis like this isn't investing, it's speculating, and is commonly used as an analysis tool in REI when you have a bad deal...and want to rationalize it into a good one.

Each deal is defined in your plan, and executed within the market(s) you have found using whatever strategy you need to use where the deal (property) delivers the criteria defined in your plan.Not having that plan, is why most REI run into trouble/roadblocks, and not analyzing for markets is why most REI make bad deals...they don't know where the next one is coming from, so they rationalize the current deal to make it fit.

The very same Casa Pacifica where Nixon rationalized his actions during Watergate by telling David Frost “well, when the President does it, that means it is NOT illegal.”

So...go with what feels best and then justify/rationalize it post deal...just like how the experts do it (haha).All the best! 

Counting the refi in your cash flow can be rationalized as OK, but it would be very misleading since it's a one time event. 

that's one reason wholesalers are shunned.. they rationalize what they do as some sort of benevolent service to sellers..  

Borrower's debt to income ration is UNDER 30%.