Here in JC a refi would definitely NOT trigger a reassessment, but doing it based on the bank appraisal would be smart on the part of the cities, along with reassessing at sale, also not done.  

@David Spencer I would definitely suggest getting a 3 or 4 unit place, where you can still get owner occupied financing as well as potentially cover your expenses with rental income.

I will definitely reach out to you on this subject soon.

Thanks for sharing @Greg T. this is definitely how we all learn the lessons!  

The only thing is I definitely have to do it on the right deal to recycle my money, or not have much money in the deal.

Yeah I'm definitely gonna take the necessary actions before moving forward.

Here's a 12 step plan that will definitely help you get your SH*T together and get you moving in the right direction: Educate yourself.

Any information that I find, I will definitely post on here for us. 

I will definitely be getting in touch with some people...

You should definitely try it.