So any advice would be extremely precious for us to leverage some past lessons and experiences from the veteran investors here to reduce our risks of investing.

Appears best way for me to reduce my commission costs is to reduce my Roth balance by 10% each year.  

If you are, I recommend buying a small multifamily and house hack to reduce your largest living expense while building equity.I recommend talking to a lender (i can connect you with one) about the income fluctuation and see how much you can qualify.Your best bet is to get a owner occupied loan with 30 yr fixed rate.

.- with DCA strategy, we could reduce market volatilty, while idle money can be saved at 5% saving accont.- my biggest complain to 401k is actually not the employer matching, but lack of diversfication where I can receive high cash flow with low beta structured portfolio.- for example, although SPY lost 28% their value in 202, but as total return, my portfolio is flat because my dividend income is offsetting the market gain losses.- what I am trying to say is that, if you are a "professional fund manager", you could create your set of portfolio that could beat the market , in this situation , the 401k is even less important.

Or do I reduce the listing price by $50k?

Now, every 1% origination moves the needle by 20-35 bps, depending on the lender.Usually, the only folks paying extra points in this market are deals where cash flow is an issue and they need to buy down the rate for more LTV.I've brokered 300 DSCR loans, and the rates you mentioned are no way real unless you're talking very reduced leverage (50% or so LTV).

I would recommend doing a "reduced" (~60%-70%) leverage refinance which would help drive your rate down as much as possible and hopefully still maintain the cash flow that you would like to have, especially since they are free and clear.If you were to go the portfolio route, I would confirm with the lender you use what their 'occupancy requirement' is.

In the short term, if your property is still standing and others are heavily damaged, prices could go up due to reduced supply—there are just fewer homes available that aren’t in need of repair.

Here are a few below:Generally, buying through your personal name can reduce the interest rate - commercial rates on LLC mortgages are usually higher but you can research thisMost LLCs on incorporation don’t have any credit so it may be difficult to find. a lenderIf you own the property in your personal name you are exposing yourself to more risk and will want to transfer the property into LLC as soon as you canIf you own property in your personal name and transfer to LLC the lender may not allow or can call the entire loanLLC or personal ownership you need insurance.If you search the forums for this topic using the magnifying glass feature in top right corner of your screen on BiggerPockets you will find a lot of discussion on "Quit Claim" "Buying through LLC", "LLC or not" etc....

During this time, you'll only be paying the interest, which means your payments won’t reduce the loan principal.