But if that plan stretches out very long, I'll do the pay or quit three days before the planned payment date. 

If the properties appreciates and I am able to refinance and stretch the term, the bank will usually lower the interest rate and give 70% of the homes value?

There are many illegal immigrants who do so, but that is not the majority by any stretch.  

So how much less should the HAI be stretched in this upward cycle, relative to the last?

I have a good chunk of cash available, but it likely won’t be enough to pay all cash (and I may want to stretch my cash out to cover more than one deal)?

Right now we are still continuing to soar, and I do wonder when that rubber band will get stretched too thin, and snap back a bit (1, 2 years out?) 

Even that may be a stretch.

If they are modern (ish) double glazed, then you might be able to stretch that 2t unit and just shove another duct in.Also, find out if your power company offer any incentives for upgrading a central a/c system.

Kihei is a great area and starting from those 3 Kamaole beaches, it's just amazing how many great beaches stretch that South Maui coast!

I prefer to take Loan so that you can stretch your cash better.