Your business tax return shouldn't hold a ton of weight on a commercial loan versus a personal loan where they are calculating a DTI for you and accounting for any business you own also in that calculation.

Many lenders  will allow a  rate  lock float  down  if the market  rates   drop to a certian  point that  is lower than a  locked rate ....I think your 2nd point is decribing  either 1) a  " recast " of a loan ( which is  the ability to  make a  large  prin reduction and have the payment  reamortized with keeping the terms the same   or   2) allowing an  ARM  loan to  have the rate/ payment  reamortized  at regular   adjustement  periods  .....most lenders   offer these  too 

*The Dollar Index (a weighted basket of various foreign currencies) is currently getting smoked against the Dollar.

Take your commission in the form of a price reduction and save yourself money.

I found it on the MLS and asked for $10k seller concession instead of price reduction.

I agree with the 115,000 dollar reduction.

All recognized certifications have minimum energy and/or water reduction requirements.

Do they want a rent reduction?

What's the worst case if you apply for a refinance and it doesn't go through, you credit gets hit with a few points reduction? 

I had a moment of clarity recently, like a fog dissipated or a weight was lifted off my shoulders.