Right now, Because this is my first major purchase, I'm just not willing to take a 'paid' risk for someone to tell me something and decrease my chances of getting qualified when my questions could have been answered, I could have worked to improve what I needed to based on your advice provide, saved time from making a stupid financial mistake, not wasting any realtor time to get approved and came back prepared in a better situation for both parties without being paid.

In example, a increase in rate is new credit but a decrease in rate is not.  

I therefore am assuming that if I just start off with Conventional, though requiring more money down and decreasing my cash on cash return, I wouldn't necessarily need to refinance as I could maintain a consistent payment and low interest rate, which would benefit the long term cash flow and PMI drop off.My question for experienced investors are:1.

I just invested in Everett, which has the Casino construction going now, though who knows how that will effect values (studies have been done that showed some areas have increase and some have decrease in property values with new casinos).

Some investors get worried investing in New Brunswick due to the population decreasing over the last census period, but the Moncton CMA actually grew by 4%.Happy to connect with anyone wanting to discuss investing in the Maritimes or investing from a distance.Brad

This will account for any recent gas price increases and decreases.

@Terry Lao my example is from Sec.8 neighborhood where most properties are rented to such Tenants.I bought it for $14K, $6K in repairs, rented for $780.I sure could Rent for $680 to Sec.8, however, it decrease my NOI by $1200/year.

If the trial was ongoing in 2015 or 2016, could that somehow lead to decreased assessed value (if somehow property taxes weren't being paid and the town took this into account when assessing)?

@Pavel Ushakov and @Oscar BrooksAny indication how much your taxes will drop because of the decreases?

If they are decreasing, I would use the most recent and discount it (by how much is what you will need to work out, probably with an agent).