If you can't ask the card company for a interest rate reduction.

It's such a dynamic equation, and each variable has a different weight depending on your market.

The not moving again is a biggie for us this will be move number 17 and as a civilian finally the stability option carries some weight.

Yes they can and they carry a lot of weight.

If I were your other  tenants I would be demanding a rent reduction immediately.

It's estimated rental rates have increased 6% - 10% in the last year.A mere snapshot in time, be careful relying on cap rate alone, which factors neither principal reduction or appreciation into the equation.

I don't think you can change anything on the lease as it may be seen as a reduction of service.  

How is that tenant situation weighted against let's say making an offer on the same property if it were vacant?

This would more or less get me on track to my next major retirement account milestone, which is a total size of 2x income by the age of 35.Reductions in taxable income: Contributions to the 401k would yield a few thousands of savings in tax obligation.Time and overhead: A 401k contribution is much easier than an REI transaction.

After 10 years, the loan will be paid down to about 61 or 62% depending on the rate (assuming you do the second loan and amortize over 15 years).When you refi the new principal after the next balloon and set the amortization back to 20 years, you'll get a sizable reduction in your payments (roughly 60%).In terms of what I was describing sounded like an ARM, thats exactly what my local banks have seemingly morphed their commercial loans into these days.