We do not suspect foul play because apparently that tenant's relatives have reported to the remaining tenants that the MIA tenant has moved in with another relative (but did not give that MIA tenant's new contact information). 

Is this playing with fire? 

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).

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?

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

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

If they gave you the runaround and then we’re honest with you that’s a different story but they gambled by being honest with you knowing they might not be able to move in Because they have changed in their hearts and are no longer willing to deceive anyone.

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