Any suggestions wil be helpful.

Hang in there for a few years till things correct or inevitably rents go up and the fixed mortgage stays the same.The people that only own vacation rentals and paid too much will likely go under in saturated areas.The other option is to be the tallest pygmy and stand out amongst your peers.

Common for tenants to ask for rate reduction, rare owners give it.I suggest you do everything you can to keep the tenants if you can. 

I  would always suggest a Mentor and top notch Realtor with construction experience or contractor with Real Estate knowledge Mentor Never read a book on my skills. 

Questions like in this neighborhood what kind of rent would you suggest for this size house and beds/baths?

The property I purchased is unique and they are not building properties with lot sizes and features like it in the area so it stands out.

Any advice or suggestions to lower my insurance bill would be appreciated. 

I am hearing your opinions and suggestions loud and clear.

Any suggestions?

Then, as Nathan suggests, just run the math.