On the weekends, I let my body recharge and sleep until it wakes itself up. 

Marines are simply unique humans.  

If a human being actually reads your credit report, they'll see that it is an authorized user.  

We require a pet application, just like an application for a human to live there.

Why do you think the SPCA gets more support from Pet lovers than real estate investors give human beings that really support the advantaged life style of the Investor, an often Rich Slum Lord?

There are overlays, or there could be something causing the human underwriter to question the transaction, the value of the collateral, etc.

And then stack on top of that, that appraisal fees have not been tracking with local cost of living increases for years (all we did is introduce AMCs to take a cut of the appraiser's pie), forcing it to be a volume game rather than a quality game, and as a human one would expect that someone is going to feel less bad about someone not being able to refinance and save $100/mo (possible consequence of low refinance appraisal), than they will feel bad about a family losing their dream home (possible consequence of low purchase appraisal), and as a result it isn't crazy to think that a human appraiser will spend more time trying to arrive at an opinion of value that matches expectations on purchase appraisals than refinance appraisals. 

I wanted to know what every body else thinks would it be better to continue my plan of 1 house per year or would it be more wise to take a break and save for the deals when the market tanks.

Best practices as defined by the ASPCA, AKC, and the Humane Society are written into our agreement.

Purchase or refinance should not matter.My other other occupation is Information Technology and wearing that hat I don't think it will be too long before subjective human appraisers are replaced with computer algorithms.