Look at your loan estimate and see what the difference would be by not buying the rate down and how long it will take to realize a gain by buying it down and then make a decision about which way would be better.  

When they know you're the decision maker you'll get every request under the sun and it's a lot easier to just be the messenger and blame the "Owner" for denying the request. 

. - over last 2 months property manager has made about $750 extra payment while I have lost about $2000 unexpected losses and it’s all a result of the property managers decisions.

I would love to get some feedback from other investors who may have dealt with this decision in the past!

The best single economic decision I ever made was hanging on to our starter home in Mill Valley when it came time to buy our next, larger home. 

I merely want to present a few concerns that might help you in your decision.

Originally posted by @Grant Wilson:Lilah, congrats on making the decision to go down this route - real estate investing is the best route to financial freedom.

One thing if you agreed based on the situation but you not knowing about it and only being 3 months….I would at least ask them for justification for why they deserve that after 3 months, and them making this decision unilaterally.

You make some good points and we will definitely keep those in mind as we get closer to our decision.

If a decision is being made to deny an applicant because of these categories then that could be a violation.