I'm confused at to why some folks on here are saying that adding an ADU will lower my property value.

You may FEEL that they are but your expenses may go UP at the same time as rents need to be LOWERED!

I have supplemental insurance so I am of the mindset that they should get rid of this bogus insurance and lower my host fees..

Local banks typically offer lower interest rates but might require a solid track record and detailed financials.

Than AFTER that base-line cleanup action is done which part of it is to establish access for all others, than things get into the next lower level of details. 

I would not put so much on an appraisal report.A number of reasons might be the answer for this lower appraisal report:1- What city is this property located?

I would like to have lower monthly payments should I make a big lump sum payment towards my principals and ask my mortgage company to adjust it or refinance it or which one is the best ? 

@Damon AlbersSounds like these properties are in a class c area and your manager is not doing a good job vetting themBut this is not out of ordinary for c class rentals which is why people look at cash flow and be like wow but one $5000 bill can wipe out 4-6 months of rental income and properties never make money and rarely appreciateThis is why we do not do lower class rentals as stated cash flow vs reality are typically not close

Which is why I pay more, for less cash flow in highly desirable areas.In high income areas, rent is a lower proportion of income so therefore your tenants have a higher capacity for paying higher rent because rent is less than 20% or even 10% of their income.

I would just take into account that a lower down payment will mean a higher monthly payment so be sure to run the numbers conservatively in order to ensure your STR revenue is able to carry your monthly payment with this higher mortgage cost.