The shares are represented by certificates sold to investors for the purpose of maximizing value and lowering risks of pooling payments on fixed assets, which allows for increased liquidity, thus aiding the total market.

We took the reverse action and started lowering asking rents until they moved.I suspect the reason that one property of yours turned quickly is because your asking rent was very favorable vs. local competition. 

Could you not put a lower amount down? 

That way your purchase price will be lower and your debt will be cheaper due to inflation.  

(d) retained earnings from depreciation use to lower tax burden. 

You may FEEL that they are but your expenses may go UP at the same time as rents need to be LOWERED!

Local banks typically offer lower interest rates but might require a solid track record and detailed financials.

I would like to have lower monthly payments should I make a big lump sum payment towards my principals and ask my mortgage company to adjust it or refinance it or which one is the best ? 

I would not put so much on an appraisal report.A number of reasons might be the answer for this lower appraisal report:1- What city is this property located?

I have supplemental insurance so I am of the mindset that they should get rid of this bogus insurance and lower my host fees..