This is, primarily, because of the decreased price volatility as well as the inability of the investor to make rash decisions by quickly liquidating their portfolio during a market downturn (behavioral economics 101).

Perhaps a plumber can help you to find the source of water, hard to believe it's all from outside humidity but keep some windows open a crack and determine if the humidity decreases.

Will buying 1 point decrease my interest rate by 0.25?

Other good news is that foreclosure inventories have decreased by 0.3%.

So, if you borrow $100,000 now and your P and I payment is $500 (the cost of say, 72 fast food meals), as you're paying the money back, the value of the dollar decreases.

I'm just trying to make the best decision costs for me and also the tenant but decrease my expenses to increase the NOI. 

Basically sales prices are going up while inventory is increasing and rent is decreasing.  

You may make less money this way, but you could likely avoid hard money all together and substantially decrease your risk.

In our major cities centers, productivity soars, and crime has decreased.

I live in CT where some large employers are moving out and the population is decreasing.