My tenants (who are leaving at the end of the month) have been great with me throughout their residency, but the unit owner below me (who happens to be the HOA president) has called me every month this past year, complaining loud foot step noises in the middle of the night in and near the bedrooms, most likely from jumping out of bed. 

Due to the historic low rates, we are already  in the middle of a REFI.

It's in the middle of nowhere. 

@Katie Turner - I have a minor regret in the middle of every rehab because I over improve them all.  

I am in the middle of a REFI right now and am unsure if i should switch it to a cash out refi (interest rate will rise from 2.6 to 3.25), or do a HELOC after the REFI.  

While home prices haven't budged much my last two appraisals have been super low (cash-out refis, arms length transactions will likely have an easier go of it), scuttling both of those cash-out refis, and when trying to challenge it was clear quickly the best I would get would be met in the middle, still far short of a fair appraisal based on best avail comps.

Ive learned that there is very little middle ground with the whole thing.

For multi family, is it recommended to include $100/mo/unit for these costs or some middle ground?

They can (and have) leave in the middle of the night and you're SOL.

Or called in the middle of the night about a pipe burst so you could drive down and find out it was a phantom call.