Even in states where you are you are not required to hold in an interest bearing account, you are still required to hold the funds as cash.

Even if I refinance I would still be way farther ahead than you would be.  Are

Simple laws of supply and demand bear out what he said.

I tend to be a bit wordy with any story I tell, so bear with me as it is a long one.Fresh out of high school in 2006 I was fortunate enough to get started with my Carpenter apprenticeship in the Detroit local.

Appreciation is yet to be fulfilled promise and has no bearing on cash flow. 

And one thing I learned over the years a bank refi appraisal has NO  bearing on what the property will bring on the open market. it could be off by 20 to 50% .. in real world to a real homeowner.  

You are in it to win it, and the powers that be are going to have to beat you down completely and conquer you to take your investment goals away from you.

Thanks so much for your reply, everything I've seen says it won't have any bearing on the buyer, it's a seller thing. 

Make sure you don't remove load bearing walls.

Bears are looking promising this year too :-)