sure they do, and love the idea of you,not them, struggling to adjust /repair them when they  break.  

Where could you invest that money for a better return when you include adjustment for tax-free?

I missed opportunities to rebalance my portfolio and adjust asset allocation.

How do you see the San Antonio market evolving over the next 5-10 years, and how are you adjusting your investing approach to align with your expectations?

As for the rate adjustment, yeah, it's messed up move on the lenders part, but lets look at the math... $41/month.

Sometimes lenders can do what's called a "float down", where they can adjust your rate if rates have dropped enough (enough being the key here).

All signs of stress.”Inflation Numbers this WeekThe Consumer Price Index measure of inflation increased .4% in February (seasonally adjusted), after rising .3 % in January, or 3.2% YoY (BLS).

Manually check your numbers.

I was once an “unqualified” person due to buying at the top of a market and being told I could get an adjustment on the rates and by the time I qualified for it they ran out of funding for the adjustment.  

Bruh, if youre trying to compare multifamily homes in Chicago, which are 100-300 year old homes to new construction....then you really do have to re-adjust your expectations.