Condos alone are on the edge of being a buyer’s market.”That could mean further price decreases in a market that’s already seen three straight years of falling prices, according to the Citizen.

Basing your investment strategy on bank financing parameters will drive you crazy, limit your ability to grow and will keep you from being as productive as you could be.5) MF provides better cash flow and allows for more efficient management. 6) $/Unit decreases as your "# of units per property" increases, typically. 7) Leverage.

And vice versa, the low rate guy can bump the rate and decrease your closing costs. 

I understand new windows will decrease my insurance, but is that worth how much windows would cost?

So if you are an agent and want to flip in your area then become the best agent in your area; know every street, every house, every price increase/decrease, trend, every business that's moving in/out, etc.

The important factor in increasing income is the number of doors you own not the number of buildings.As a side not having equity in a rental property decreases cash flow due to the opportunity value of cash.

At the beginning of January they inform me that household income has decreased and they won't be able to afford that particular property anymore and would like to know if I would have anything available April 1 in their new price range. 

If a shorter term gives you a considerably lower rate then you might better stomach the decrease in cash flow for the improved lifetime profitability.  

I see 2 options for you:1) Push to get the loans paid down (increase salary, decrease expenses, time to pay down) to improve your personal debt to income ratio2) Look at larger properties (commercial loans) where the lending criteria is based more on the property than on your personal numbers.

Right now I have to recalculate the numbers, because not only did we fill some vacancies, but the expenses decreased as well, which brought up the NOI even more.