It’s only ~$5-$10 per property analysis, and you can adjust the amenities for the area to see how that affects the revenue estimate.

Whether the balloon or the adjusted rate approach, the borrower is incentivized to refinance.

I have financed a number of STR properties and they will usually be appraised as a pure real estate as vacant value and a cash flow adjusted commercial value, sometime separated as going concern and real property.  

Now, let's adjust structure type as that alone will get some really good focus right.

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 ? 

I recently changed the rental type to "whole house" and the fraudulent listing also adjusted its rental price.

Adjusted for inflation, the prices of homes in a desirable location appreciate more than average wages. 

Miami is still doing well, Fort Myers is adjusting and has lower real estate than 12 months ago, etc..)My simple thought, for what it is worth, is choose a place to live and not invest in:  choose the location you and your family WANT to live in ( because of the schools, taxes, weather, other family there, etc...) and then buy and do real estate there (and get whatever licenses you need once you start third party management).I wish you well!

Today I got a certified letter stating a lien has been placed on the property by the landscaping company they hired but have not paid.

These LOCs are typically interest only and adjustable rate, which of course is planned for, again with the equity and the cash flow of the investment, it shouldnt be a problem to at the very least break even, even in the worst of scenarios.