Take the down payment amount and pay down my loan that amount.

Paying down the current mortgage wouldn't change your monthly payment, it would only reduce the amount of payments due.

Investing in these areas comes with multiple tax benefits such as:Tax-free growthTax payment deferralTax discount for long-term commitmentAdditionally, investors can feel great about investing in struggling areas and stimulating economic growth in these areas.The investments must be owned by an Opportunity Fund.

The early payment penalty is certainly something for me look in.Are you familiar with the Tampa Bay area? 

I have read up on some of the process on the county website as far as a 14-day notice and they have a little bit of an outline of the timeline would like to talk to somebody that's more familiar with the process.This would be for non-payment of rent on a month to month lease that went month to month after the year-long lease expired.

Does this rule of thumb apply as a yearly or monthly payment?

Yes, but what is required may differ from what I, as an appraiser, find meaningful, credible, or reliable with regard to value.

Simpler model with more reliable b2b transactions.

DTI is crucial for these products even if you can get a higher LTV product if you can't meet the payments all the regulators don't care about your equity position.   

150k would get you a down payment on a nice property.