Had several challenges with their bookkeeping after I had to make an adjustment to one of my monthly payments.

I guess the only thing giving me hesitation is that it looks like housing prices are at all time highs even after adjusting for inflation:https://fred.stlouisfed.org/se...Housing affordability is worse today than it was at the bubble peak in 2006 if you believe Case Shiller data. 

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 ? 

It is something only you have access to unless your subscription is automatically canceled due to a payment issue.We also have never increased prices for our existing subscribers as long as their subscription is active.

The 70% rule is a solid guide, but in competitive markets like South Florida, it’s tough to stick to—many investors adjust based on their target profit margin or risk tolerance.

While my budgets are strong, they still require manual adjustments, and I’m looking to automate this process for greater efficiency.My background in technology and AI—along with my experience running a publishing house—has taught me the value of scalable systems.

Your true return has to be risk adjusted.  

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

So I would encourage you to adjust your expectations starting out and develop the discipline of saving money so that every month your net worth is higher than the month before.

In other words, if there are attorneys who can afford to specialize in just prosecuting dog owners for dog bites - then good luck defending against them.What I learned when I was studying law, was that if there is any history whatsoever that a dog has ever bitten someone or a dog before, then no matter the circumstances, if they bite again - they are automatically guilty.And, even as a dog lover, you and I both know that some breeds are more likely to bite than others.