I called them and found out that the miles needed for a Christmas trip I booked for my son and his wife went down (pretty substantially I might add) and Delta auto adjusted my miles.

In the next 5 years, we can buy one property per year with 25% down (~100K), and perform the same operation of using cash-flow for paying off properties next 15 years and we will have $15K/month net-profit which hits our goal adjusted for inflation (assumed at 3%).

Send it certified mail, return receipt requested if you are so inclined. 

Therefore your contract needs to adjusted accordingly. 

This will be the way to get them adjusted to assets that they will take over like I did from my dad.I look at multis and mixed-use to buy for my son to house hack, but NJ is crazy on pricing.

It’s not typical for a lender to adjust the rate so late in the process without notifying you, even if there were issues flagged during inspections.

Feel free to adjust the numbers based on your expectations for capex or vacancy rates.

Unless you're certified, then you don't have the inspection requirements.

its mostly focused on retail, but the inputs are infinitely adjustable for whatever asset you are going after.   

But most pricing is a function of recent comps, adjusted for the subject property by size, condition of systems, and aesthetic qualities.