there's a tremendous demand for inventory - both primary residences and rentals - and so buyers are willing to accept lower yield than a lot of us think makes sense. 

Factoring market conditions at the time of refinance, I negotiated a lower rate and conceded a lower term anticipating rates to normalize in the 4%-5% range by 2026.

Are there any lenders who are lower than this, I've been brokering myself.

Get a nice downpayment (lower LTV better)Hope this helps

The lower rate or longer term can also make the payment more affordable. 

Can you do the lease renewal, but have lower rent for the first month and then increase it the second month (if that fits with 60 days' notice)? 

The lower unit is a basement/guest suite.

As sellers realize that buyers cannot pay the same price for the same income stream as before due to the higher rates dampening overall buyer returns over that 6-month market cycle, sellers will eventually transact at lower prices, making it more apparent to sellers where the current market pricing is.

I will be lowering the asking price and seeing if that will help in the sale of these properties.

Lower the price2.