I would recommend saving a 20% down payment and once you have accomplished that I would then increase your retirement contribution.

Standard practices are there for a reason, if you deviate you are increasing your risk ten fold.

Many try and put a cap on increases. 

I would be able to get out of PMI but every option I’ve been given increases my mortgage payment.

The title company was engaged to conduct title and lien searches and to issue an owner's policy of title insurance at closing.5.  

@Matt Shumate Is this something you considering to increase occupancy?

Do I keep the rent stable, or should I increase the rent by a certain percent (5%?)

My single older tenant notified us she is applying to get licensed to do daycare in her home/our SFH.In Calif, we are permitted increase the SD to 2X rent because of the daycare. 

My tenants are on a month to month lease, at this time i also gave one tenant notice to rent increasing and the other notice that i would be not renewing their lease.Good luck and be open and honest with them!!

Once they are paid down, the cash flow increases greatly.