Like others have mentioned, there’s appreciation, depreciation, leverage, and tax benefits that produce a compelling risk adjusted return. 

I understand some of the issues and I believe those can be adjusted to be sure we are not penalizing some of the small investors.

If you’re comfortable with it, you could ask to extend the term beyond five years or potentially even adjust the interest rate for a longer payoff.

I absolutely agree with manually checking the competitions pricing.

If they are adjusting the amount they can lend because the margins are too thin or telling you the deal metrics are not checking out it is likely due to the expected earnings not being sufficient. 

The manual entry of numbers has moved to an automated model with accurate ARV, Cap Rates, etc.  

Larger owners tend to analyze market rents monthly or even weekly and manage rents (or incentives) the best way they can.As long as the owner is engaged, the chance of adjusting rents is higher.

The historical appreciate indicates it will not keep up with inflation and therefore loose value in inflation adjusted dollars.  

Are you aiming to lower your monthly payment, shorten the loan term, or switch from an adjustable rate to a fixed rate?

@Alex SilangFirst I assume it’s a month to month lease as you cannot raise it if it’s a long term leaseFor me that is not something I would do, If you want to raise it to market rent then do it, don’t adjust rent because you had an unexpected cost.What if they turn around and walk?