Most of the plumbers and HVAC companies charge at least $90 to show up even if it's a 10 minute job.Are there ways to negotiate lower prices if a certain amount of business is done each month?

I don't have 20% to put down on a $160,000 triplex or fourplex and the lower cost associated with townhomes is why I think it would be a better fit for me.

Not exclude , I see that the Multifamily's are listed at lower prices because they are being sold as is, fully occupied, and rent controlled.

The dilemma I have is that the property management company is renting one of the lower units to conduct business. 

I use 8% for modeling and it’s a little lower (hovers between 4%-5%) but I don’t know Overland Park nor do I know where you want to invest.As for maintenance, I’ll just say 5%-10%.

Then a couple months after we moved in, we received a letter addressed to us the new homeowners from the city saying that they had re-evaluated the home value and lowered it to a certain amount which ended up lowering that year's taxes by about $1000.

These loans are tough to get and typically are lower leverage 30-50%.

They will usually lower their price when properties do not sell in a specific time interval. 

Rent prices were higher than neighborhood, but much lower than rest of Atlanta .

On tenants insurance, my properties are mostly section 8 or lower end so they usually don't have the funds for it.