If someone goes on vacation for a few weeks, they don't get a "credit" for their non-use beyond their pro rata natural reduction in the overall bill for that month.

I have had 5% reductions twice on down payments that were way off their standards for a given market, from two separate institutions.

While not all transactions will follow suit, some will experience up to a 40% reduction from pandemic highs, potentially resulting in a median decrease of 20%.To sum it up, I expect there to be deals in the San Antonio multi-family space in the next year or two.

However, I am not seeing reductions in building costs. 

@Justin WilmotI know you said that you don't mark up the price, so if a wholesaler is selling for $50k and wants to make $10k net profit and will not take a reduction in price, then one would just assign the '$50k contract' to the end-buyer for $3k, but in essence the end buyer paid a total of $53k ??

It's ridiculous as they bring a ton of value in terms of mortgage reduction and even cash flow.

The reduction of self employment tax is your best tax benefit.

In your experience, what is the "magic number" of houses per year where we could get these dramatic reductions in rates?  

I want to pump everything into passive income and expense reduction.

For a rental property, your net profit would be your income from the property minus expenses, including mortgage payments.Mortgage Payments: The principal portion of your mortgage payment is a reduction of liability (your loan balance), while the interest portion is an expense.