Putting 10%+ down with a different lender and getting lower points and interest is 100% better.

If your current lender is open to restructuring, you could negotiate better terms (lower rate or extended term).

A little lower ARV is also ok.I like to use Hocker Title.

Payments stay lower, cashflow better and it'll boost your balance sheet not to mention lower risk when things go awry. 

The market does offer lower priced investment opportunities and higher cashflow returns, with ongoing revitalization projects like the DORA boosting appreciation potential.

I am doing my best to accommodate and fix the insulation as well as see if there are programs in place to lower the cost. however i want to be firm with tenant as they are not compliant with paying rent because of the cost of the utilities.

@Robert Quiroz I’m seeing sellers who purchased at a lower price and either have low interest rates or little to no debt on their property.

This implies residential units can be built at lower costs and provide better return. 11) adding an ADU to SFH can make the SFH fall under rent control.

I gained equity in the property, and I got higher rents which lowered my living expenses while living there.

There's a lot of suckers who attend these sales, particularly for the lower priced properties and that's precisely who you don't want to be bidding against.