It also helps in stopping you from temptation as refinance will directly put FAT STACKS in your bank account TAX FREE.

I have a wide range of thin fat as interest.

If your hoa allows it which i assume is a fat no. 

And much like that we will pay likely lose interest after 6 months and go back to being fat and useless.

Like fat and happy oil co's that got rocked by fracking and electric cars, lumber folks will get what for if they continue to take advantage.

Even if you trim off the fat, you will only have the meat from that original cut.

I wonder if the lobbyists and fat cats had this in mind...

All kinds of rehabbers are complaining of tightening profit margins in the past several months as the RE market warms up. 2 years ago, profit margins were FAT and markets were cold.I'll take a cold market over a hot one for flipping any day of the week.

I still say, just live with the exception(s) if the deal is fat enough.

That will allow you to scale up to high quality professional management and live like a fat cat.