I'd see how next 2 weeks go before lowering the price.

I am considering purchasing in Lower Dimond and any of the directly adjacent neighborhoods.

The importance of lowering expenses and increasing efficiency to maximize property income.

When it comes to managing your mortgage, most homeowners are familiar with refinancing as a way to lower monthly payments or take advantage of better interest rates.

The lower unit is a basement/guest suite.

Taking these two pieces of info will tell you how long you will take to get an offer, so if you go past that you should lower the price, and then the other action item would be to starting off lower than all the other properties if the condition is better than your condition.

I have lowered the price significantly this year. 

Question: Should I collateralize the loan (if using private or hard money), or rely on roll-over loans (to maximize the lower points and 3-4% rate)?

As a result, my DTI ratio is now greatly reduced due to this calculation method and my lower income.

As you suggest lowering down payment to buy more properties is one way, although the downside is greater risk in event of down cycle and more time to manage required.