Unfortunately I don't qualify for what I was looking for originally so that forced me to adjust my search.

If i put money into the property and force appreciation, am i able to cashout refi on it? 

I wasn't aware of the forced depreciation.

I am a big advocate in having strong relationships, so I prefer to ask a lot of open ended probing questions searching for responses that force people to talk and give me their opinion.

My bank, Schools First FCU says I can do 3% down on a $650k SFH or 5% on a $750k SFH, but if they see that the home is actually a Duplex then they force the Down Payment to be 15% even if I can qualify for 3% Down with zero rental income!

If she is interfering with Tenant B and C's peace and quiet and causing a scene, then that could force them both to move out so by keeping one tenant, you lose two.

Not a scam or pyramid scheme in the way you are thinking, but probably not the best use of disposable income for the frugal investor looking to optimize their ROI.Some probably need the forced savings aspect. 

I'm just frustrated because all the comps support my property meeting self sufficiency, so I don't feel like I should be forced into a conventional at this point.

When you are doing forced appreciation model of rehabbing and bumping rents to increase the NOI and value you are creating so much value it greatly trumps the debt service.

I will force the value by rehabbing it!