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.

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

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

My main hobbies are playing golf, video games, and reading about real estate.Excited to learn and connect with you all!

(On that type of deal it should but play it safe)Even if the seller can show you a current policy and that is what they are paying now you as the new owner may not be able to secure that same rate even from the same insurance carrier.