Common for tenants to ask for rate reduction, rare owners give it.I suggest you do everything you can to keep the tenants if you can. 

Also, focus on 2 years of job/income stability.Class D Properties:Cashflow vs Appreciation: Typically, all cashflow with zero or negative relative rent & value appreciationVacancy Est: 20%+ should be used to cover nonpayment, evictions & damages.Tenant Pool: majority will have FICO scores under 560, little to no good tradelines, lots of collections & chargeoffs, recent evictions.

Especially the first one where you don't have enough properties to hire one and you don't want to do it yourself bc you're busy with either your W2 job or your business.2.

There's so many catalysts for population and job growth (Intel, Honda, Amazon, Nationwide Hospital, etc).

We have been using AirDNA data and their suggestions for up and coming STR markets.

Also discuss with the contractor the time expected for the project if its small, mid or large and if it needs permits and how long would it take for permitting and all, also payment terms, make sure you go with payment terms that are fair to you and the contractor (so many terms but most common is monthly based on completed work with an upfront for materials) and ALWAYS keep the last payment until project is closed (retainage) and you do your walkthrough and if there's any issues you write them down and provide the contractor with (punch list to release the retainer once they're corrected or fixed). read about how to deal with contractors and always ask for references but it really depends on how big the job is, personally I wouldn't spend too much time doing due diligence on small jobs such as door latches or shelving rather on additions, layout change and other scopes.Good luck!

Any advice or suggestions to lower my insurance bill would be appreciated. 

Lending is not a job for a do-it-yourselfer, and a title company is not the place to get loan documents.

Most companies only allow you to take out 50% only.Unless you’re switching jobs or it’s a hardship than you can take out all your money but I will pay a huge tax I believe a total of like 30%..But if you use the 401K into a primary home, it gets taxed way different which is a good thing if your mom wanted a property and investment.You can also borrow a loan agains the 401K and would just have to get the money taken out her checks until the loan is repaid back.

Any suggestions?