Without any debt you wouldn't see any advantages from principle reduction, and, if you're an owner-occupant on say, a multifamily, you wouldn't be able to deduct interest on your personal residence either.

Many local banks are giving out 3 to 5 year refi bombs when the debt service will be much higher and you will have refi costs to do a new loan.If you can find say a loan amort. over many years and due in 10 even if the debt service is 50 to 75 basis points higher it gives you more flexibility.Even if you need to refi by then you should have a big chunk of principal paid down.This is why your plan is much more important than shooting offers on different things and seeing how much they will come down.

The tenants who have been on section 8 for 5+ years tend to hold their vouchers more dear than say a first time section 8 renter because they know how precious the voucher is to them.  

I may be missing on what I am trying to say as I am laughing while typing.  

If you’re house hacking in say a duplex and the mortgage is $1,0000 but the rent collected for one side is $800.

That's a GREAT ideaWe've also noticed that a LOT of properties listed in Hawaii are listed as "single-family" when in fact, they have, as you mentioned, an Ohana, and/or, say, a unit above the garage, a studio on the ground floor, etc. and you would think, be listed as a "multi-unit"? 

For example, a house built in 1920 but had updated electrical, plumbing, etc. done in the last 20 years is a lot different than say a house built in the 50's that was never updated. 

As an example: Let's say a property manager runs 400 properties and that requires 1 employee per 100 properties (probably conservative.)  

William Lees I would say a good way to stay motivated is to keep the eye on the long term prize or goal.

When you say a 30 day close is realistic, what size loan are you referring to?