But most clients think that we handle things in 15 minutes when in reality a boundryline agreement with a neighbor may cost, 24 miles, 3 trips at 30 minutes each, a bottle of Makers Mark, playing catch with the neighbors BermesHuskLabraSpaniel and a 15 minute consult with the clients attorney who has the form.

They don't have authority over the lender's requirements though.

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).

I would suggest picking up a copy of the book I co-authored titled Lend to Live: Earn-Hassle Free Passive Income in Real Estate with Private Money Lending.

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?

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

The housing authority is paying rent on behalf of this tenant.

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