I do not see that home prices have dropped 2-3% and this is a lot of added savings in additional to a downpayment if so. 

Though USLI, one of the biggest umbrella policy providers, dropped my max coverage to $1M because I had pools.

Upgraded appliances NO builder drop ins..

Listing price is at 130k and agent mentioned that the seller has wiggle room to drop the price.

You lock in your interest rate and if rates drop you can prepay at any time and refinance at a lower rate without penalty.If the deal is commercial, whether commercial multifamily (5+ units), office, industrial, self storage, hotel, you name it...the choice becomes far more difficult. 

Now that i have  to sell, i am trying to see if i should sell each unit separately (each has a PIN) or as a whole.

So if prices are dropping how are the areas hot and a good opportunity.??

You dropped into a vortex of investors who have been doing deals for years.

.- The Yield Curve will begin to normalize (uninverting): Even as the Federal Funds Rate begins to drop, the yield curve will finally begin it's march towards normalization.

The main reason is other buyers who are better able to pin down operating costs will either outbid you because they have their costs right, or you'll outbid them because you have your costs wrong.