Which may lead to, well if I learn how to "sell" that's what others may perceive me as.  

People hear a success story and want to copy elements of what they perceive has made that person successful.

Some qualified buyers may perceive your property as having some issues too, the reason you are offering to refinance.

What a tile floor and tiling on the walls mean is that your bathroom floor and wall tiles are perceived to flow together almost as one design element.

If someone perceives you to be a licensed agent, you have crossed the line.

Everyone that I have seen when they get what the perceive to be a BIG PAYDAY they go CRAZY.

I'm getting out of debt early, I'm getting a guaranteed return, I'm getting a very high "PERCEIVED" return because I don't care that technically I might be saving over the next 30 years, I'm keeping my money working for me all the time instead of letting it sit in my account all year or even all month, I'm using "free money" to make a solid investment, etc. 

As the landlord you are going to be named in every suit caused by a tenant regardless of fault since you are perceived to have the deeper pockets.

Middle class people will have to have a place to live even through covid.And lastly, as others mentioned there will be an exodus from densely populated areas to those that are perceived as safer and a better value if more people can work from home.A recent study in Honolulu found that 45% of households have had their income drop since covid and 25% are having trouble paying their bills. 13% have food insecurity.So, now that I have shared that I believe this is going to get worse, I will say I believe real estate is a safer investment than stocks at this time and is always going to go up as a long term investment.

Depending upon what we perceive as our risk, we may require an additional security deposit.You say you have been in your current residence for 10 months and you "want" to move because you "need" something better.