but the 'dont sell' isnt helping make new prices grow. it just stagnates the price to remain at whatever the price was a month, six month or 3 years ago, (whenever the market STOPPED)

by having no market growth.. refinancing becomes meaningless because you are not unlocking any excess equity. you are just causing yourself to double your debt with no benefit.

refinancing only works if the market has grown since the last sell. where you unlock the new higher amount to re invest in certain things.