Don't expect for the inventory levels to get any better anytime soon or for prices to decrease in spite of the rhetoric about the city caring about working class citizens.  

A couple of ways to decrease cost.

@Mike Franco - I hope you take a step back and really think about your lifestyle and how much stress you want in your life.

It's easier and takes the stress off of the loan originator.The reason there's a range is simple, different borrowers have different requirements; some want the lowest rates because they're going to keep the property forever and some are limited in their cash and need closing help.  

It will relieve them of the financial burden/not having to stress about their credit score, and it will definitely preserve your relationship with that person. 

What are common, what are not so common, what are BIG stresses, what are small stresses? 

Increase income and decrease expenses --> increase NOI!!

I would stress it at a high vacancy rate and management rate (in case your super hits the lotto and takes off).

Wanted to decrease monthly expenses by moving out of our downtown Cleveland condo into a property we would eventually hold as an investment property.

It's still going to not be the same so they are fighting for customers, causing a decrease in airbnb prices (whereas it used to be the other way around).