From my understanding, mortgages are considered riskier investments than most other loans because the borrowers can repay early with little to no extra cost.

and there are so many extra things you still have to pay for after I payed the 27k, it is ridiculous.

Subject to zoning could be apartments, self storage on extra land, sell lots, etc. 

We’ve also tried talking to the neighbors directly, but they don’t acknowledge the issue or make any effort to address it, on the contrary somtimes they are extra loud in spite. 

Some things matter more than saving an extra $200/month because you chose to live in a market you didn't necessarily like.

@Caleigh McDonough age old question.How long will it take you to save the extra funds vs how much the property may increase in price over that time?

I don’t have any debt besides my mortgage fortunately or unfortunately however you look at it, and I’m not opposed to using my extra funds to buy down my mortgage but I’m afraid it won’t lower my DTI quite enough.

You're just adding an extra step/bottleneck to a process that already works really well with credit cards alone.You're literally quoting an imaginary person.

It's easy to obtain, costs very little, and doesn't require extra, on-going effort to maintain.

I've reached out to lenders here on Bigger Pockets- but their rates & terms seem high (DSCR or just not good terms)- I qualify for a conventional loan, but my DTI is almost maxed so why pay an extra 2-3% DSCR when I don't have too.