@Brian Burke  lenders can lag the market somewhat but they are not clueless.they see markets rise they adjust. 

The fact that a retirement plan will be tax-deferred means you can grow the account to a larger value than if you were paying taxes along the way with each investment.A simple analysis you could do would start with the following premise:If you have, say, $100,000 in a retirement plan, in order to take it out you would give up a 10% penalty for early distribution (if you are under age 59 1/2) as well as whatever your tax bracket will be if you add $100,000 to your adjusted gross income.  

Several have adjustable interests rates maxed at 12%.

In the meantime while I dont have it though I fired my best bet would be an adjustable rate mortgage, because by the time it does adjust (3years most likely) I can refinance it into a va loan.

Ideally, it would adjust if a tenant has something slightly different in their contract.  

You may be able to go right over the existing wall, but that will require some adjustments around baseboard/window trim, crown mouldings, and electrical outlets and switches.

Sometimes points are paid to adjust other loan terms - see if that is going on. 

Each should be adjusted accounting for chosen market, comfort level, investment strategy, long-term/short-term old, and for many other reasons.  

The selling agent(Your agent) can adjust their commission in the bid processFor instance, as a Broker the selling agent commission is always $0

Once my units are at market rates, I don't find that a 1% or 2% increase each year is worth the vacancy risk but again, if the market jumps 10%, I would adjust but not necessarily the entire 10%.