Maybe taking advantage is the wrong word because they might be charging what they can based on supply/demand of the general public but I am determined to find a small to medium sized shop that is more flexible and can appreciate the volume we bring. 

Not only are taxes rough in New York, but Syracuse has experienced five decades of declining population. https://www.osc.state.ny.us/localgov/pubs/research...When you look at the principles of supply and demand, rent growth, occupancy levels, and NOI tends to lag behind markets with growing populations.

Dallas Rental Market BalancedDALLAS (Dallas Business Journal) – An Apartment List report shows the city's rental market has relatively balanced supply and demand.

As a result, subprime mortgage bond issuance is a tiny fraction of it was prior to the crisis.Lastly, the massive housing supply for sale during the collapse, pushed prices into free fall.

Assuming the buyer pool got cut in half, those offset each other on the supply and demand curve. 

As long as rents grow as well, refi every 5-7 years might be a good strategy considering supply for "starter homes" in the east valley won't go up for quite a while, if ever.

Just yesterday, I was speaking with an investor about supply and demand as it is represented in 2-4 units. 

I think it’s really a supply/demand issue.

Supply can be tough to come by right now, and a lot of investors are competing for the same thing. 

So supply and demand ratios are still relatively consistent, and definitely supply constrained as of late.3)Yes, in your viewpoint that is true.