This is something that can easily be changed later if needed.

However some of the "easy parts" of residential change like financing and the term of the note.

The tenant hasn’t been the greatest: late payment with not always paying late fees, multiple complaints from the neighbors, changing phone numbers, ect .

Then interview a few of them and ask them if they have ever used strategies that you are interested in and clients that have had success with it. 

If I ever run low on reserves, I can easily transfer funds from my personal to rental account.

I have to imagine it's a bit more negotiating than just purchasing something with cash, since it's essentially bartering @Rene Hosman YEARS and that's if they actually got approved because it had to be so completely vetted to avoid lawsuits after approval. 5-10 years but the stance of that municipality was anti-change, anti-development, NIMBY on steroids, etc.

Each change took a meeting, then two different public hearings, then a Board approval meeting. 

You should only have to change when your current software has a flaw or lacking feature causing you to spend too much work on a work-around.

We talked briefly, he filled me in on the broad strokes and it sounded good to me in concept. 

@Tony it's interesting that your 6% locked rate wound up changing so much prior to closing.