Lakewood is a very competitive market. 

VA loans offer competitive interest rates and no PMI, making them ideal for house hacking and multifamily properties.

What analysis paralysis really is is a lack of confidence.

What other comparable properties could tenants be renting, and is the building you’re looking at competitive?

Rents are competitive and we should see an increase in rents in the coming future.

It's still very hard to win with FHA in NJ because there is a lot of competition putting 20 percent or more down.

Refi appraisals lack the reference point and tend to be more all over the map.

Hi Bill,Sorry for the lack of response and updates here.

Depending on how far these tenants are lagging market rates for their similar size and condition of unit, you can be a touch more aggressive, but likely want to keep your rates $50+ below competition, so even if they are pissed they will start shopping around and realize they will still have to pay more and incur moving costs, if they choose to leave.

Continued adaptation to e-commerce competition will be crucial for brick-and-mortar retailers.