Do you intend to decrease leverage in all states or just judicial ones?

While we haven't yet (and probably won't) see the rates we used to have, we are reporting an average rate decrease of 6.6% YOY.  

Additionally I have been seeing lenders decrease their underwriting requirements to attract more BRRRR investors.

@Ian Dyer how do you decrease the noise on facebook marketplace. 

This is with me doing a large portion of the labor to decrease the overall build price in order to keep loan amounts reasonable. 

Debt value will decrease with inflation. 

Maybe, the tariffs will decrease deficits and the need for federal borrowing.  

Maybe you can increase the rate to decrease the points, if you feel they are high.

Also, some people if they move in without an ESA pet and get certified for their pet to be an ESA animal you might have to decrease the pet fee and credit back the security deposit for the pet (I would check with an attorney on this last one; however, this was what we had to due with an attorney direction for a tenant that did this on one unit we manage). 

Finally back to more stable real estate where pricing is now starting to even soften / decrease in most markets