Currently it has allowed local investors to really skyrocket their business & future home owners to buy in at a reverse bubble, locking in future readjustments.

I will try to post more detailed questions in the future.

I was looking to refinance to lower the month payment on my mortgage, but I though if I pay of the loan, then it will be better for me, i can get better return and sell in future quickly.

Unless you believe the value will significantly increase sometime in the future.

But, if your goal is to save money by implementing good tax strategies, a great accountant is worth their weight in gold. 

Might be a good time to modify the lease, if required, to make future repairs on the washer and dryer her responsibility as well.

My brother lives in arizona, He is recently divorced and having a tough time making payments on the house they bought together, BofA and the government modification folks say they cant do anything until she signs a quit claim deed which she does not want to do. i believe she is concerned about future financial responsibility for the house she doesnt live in anymore even though az is a non recourse state.my questions are:Is there anything he can do besides foreclosure?

Once their imaginations get going and they are discussing how they would decorate the house, we like our chances.I do however see the benefit of staging, especially in certain markets and this is something we may look more at in the future.

I want to keep my cash reserves available for incidental expenses/taxes/closing costs/inspections etc, and pay towards principle in the future, if possible.I realize I'm making several assumptions here, and have been light on many specifics.

I will keep on top of it with my monthly visit and adjust my lease template where needed for future tenants/renewals.