There werent any drops into the apartment but simply ceiling saturation.

However, with mortgage rates where they are, it might be worth waiting for them to drop a bit to refinance and pull out equity at a better rate.For your second question, improving your current property to maximize its value before a refinance or HELOC is a smart move.

With interest rates as they are, and knowing they are probably going to start dropping over the next few quarters, is it best to wait on any kind of finance for a year'ish or are the rates not going to come down enough over that period to make a huge difference?

We appealed and got no change- still 19k below.We discussed a 10k variance in the potential appraisal when I was in the office and I appreciate that REI stuck to their word and dropped their price to get to 10k above appraisal.

so i'm left with... the biggest drivers seem to be... 1. the rise in interest rates, and 2. the building drop that was caused by the great recession. 

This business and the investment knowledge probably won't drop in your lap at KW or even any other brokerage. 

Bought a new construction in a very hot area (both temperature and housing market).

We have two options, they can pay on our software through their app or they can drop payment to our office durring office hours.

You can also provide multiple invoices to show no dramatic drops in usage, which would indicate the heat was still on.If the landlord doesn't have a bill, that may indicate the utility was off.

Excellent location in Mesa.I shopped around and I found a mortgage broker who was able to get me a 6.99% rate who took the loan to UWM (united wholesale mortgage).I negotiated a $15k seller concession I used for a 1-0 buy down so my rate for 1 year will be 5.99% and then revert to 6.99% for 30yrs. and then we used the rest of the concessions for closing costs. in 6 months or 12 months I will revisit to see if mortgage interest rates dropped significantly to justify a refinance to lock in a lower interest rate.part of the approval process for the Fannie Mae 5% mortgage is to make sure that i could afford this property and that i have good credit, my income is consistent and stable and it reflects that on my tax returns, I have sufficient capital reserves for the subject property and my other 10 Multifamily properties (6 months of PITI for the subject and then it's percentage based off of the loan amounts and how many properties you have)I agree, the more that government "helps" they therefore are increasing pricing.