Is there a document that says they owe me extra if the utility bills get too high?

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

You have incidental expenses of an extra 3-4k on the rehab maybe.

The extra $150 will be long forgotten the month after you buy it!

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

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. 

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

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

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.

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