We build high quality apartments with strong preventative maintenance programs that generate returns with minimal input after initial repairs.Keep in touch and good luck!

This would eliminate your housing expense or minimize it(I believe Phoenix is a relatively HCOL market).

I also don't think it's wise to buy a MF in Multnomah county due to tenant laws & minimal cash flow.

I didn't see a reason to delay any longer. 

., change in loan amount, LTV, DTI, etc), but I would expect the change to be more minimal than a 1% increase in rate...I do not understand the change from 15% down to 25% down either - that makes no sense to me unless they messed up in initially telling you 15% down was allowable for their product.Not sure how much time you have left before closing, but a second opinion here may not be a bad idea...if it's a 1 unit investment property then 15% down IS the minimum down payment allowed for a conventional loan. 

I had a delay with one of the payments by a few days which was due to some admin error, i'm told it's been corrected now.

Maybe the difference is mine are always cash out refinance (delayed financing).

Those low cost markets return on investment has minimal appreciation.  

If you plan on putting minimal value adds that justifies a rent increase in my eyes but I certainly understand the motive of slight increases over time.

@Candace Noel, you best defense to avoid or minimize the risk of evictions is proper tenant screening.