A floor fan and a slight reduction in rent, perhaps. 

We are working with the lender who insists that refinancing the house that we're hacking, and in which we're going to stay for 30 more months, should be refinanced because he can get us more than a point reduction in interest rates.  

Sell your house at a slight premium as being prequalified and ask to buy it back at a slight reduction.  

Not a downturn, but a correction that’s separating well-priced, well-presented homes from those chasing yesterday’s prices.Here’s what’s happening and what it means for both sides of the table.Overall Market SnapshotMedian Sales Price: $314,000 (down just 0.2% year over year)Sales Volume: Up 2.7% from Q3 2024Days on Market: 44 days, up 46.7% from last yearList-to-Sale Ratio (S/OLP): 97.1%, down 0.9 pointsSeller Concessions: Paid in 58.6% of transactions (up 1.1%)Months of Supply: 3.9 months, still a solid seller’s market below $750KIn plain terms, homes are still selling, but buyers are taking their time and overpricing is punishing sellers more severely than it did a year ago.For Sellers: Pricing Precision Matters More Than EverAbout 59% of homes were overpriced when they hit the market this quarter, and 46% of sales required a price reduction before selling.That mistake cost sellers an average of 7.1% off their original list price and added more than three extra months on the market3Q 25 Greater Huntsville Quarte…3Q 25 Greater Huntsville Quarte…Top 2 Takeaways for Sellers:Price it right the first time.Sellers who listed competitively from day one achieved 100% of their asking price in just 11 days.

I haven't been affected by it much because we do 80-90% direct at most of my places, but I do have a few places that rely on Airbnb, and I would agree I have seen a reduction in activity, but only a full 12 months will tell the data, so we need to wait. 

Rate matters, but structure often matters more.There’s a world of tools beyond rate shopping that can dramatically change your deal’s economics:Buydowns: Temporary rate reductions (like a 2-1 buydown) that ease you into full payments.Seller credits: Negotiate to have the seller cover closing costs or fund your buydown.Adjustable-rate mortgages (ARMs): Useful if you plan to refinance or sell within a few years.Interest-only periods: Boost cash flow early, especially on value-add projects.Example:Let’s say you take a $300,000 loan.

Keep an eye out for the homes that have been listed, de-listed, and can't seem to sell for whatever reason despite multiple price reductions.

This will tell you how many rentals are being filled each month, which you can use to predict vacancy time.How many current rental listings have had price reductions?

The Prop Mgr company branch was less than ethical, so I switched to another local prop mgr (but that cost me $$$, to pay the due commissions on my 6 units for the remainder of each lease).I do realize that they are on a fixed income, so I do offer them a reduction in monthly rent.Because this discussion is in the earliest idea phase, I wanted to ask the great ppl here at Bigger Pockets for advice before we even got started with bids and installation(s), and of course I have been OVERWHELMED by the great responses and advice.... 

Any reduction in debt or cash received may be treated as a taxable boot, resulting in potential tax liabilities.