How do I start my typewriter (text box) annotation with a lowercase letter?

If you prefer not to have the first letter of your text automatically capitalized and instead want to start a typewriter (text box) annotation with a lowercase letter, you can follow one of these suggestions.

Auto-capitalization is an OS wide setting.  There are two ways to manage the setting.
 
A. Auto-Capitalization can be disabled in the settings app of the iPad if you do not ever want auto-capitalization:
  1. Navigate to the settings app of the iPad
  2. Tap "General"
  3. Tap "Keyboard"
  4. Turn "auto-capitalization" off (grey not green)
B. If you do want auto-capitalization most of the time, there is a keyboard shortcut to override and make the letter lowercase for occasional use:
  1. Tap "shift" on your keyboard. Do not hold it down.
  2. Tap the letter you are starting with and it will type a lowercase letter.