Furthermore, if expenses such as insurance, property taxes, or maintenance increase, your profit margin may decrease.

Looking to decrease management costs because 10% is a lot for a newer built home for not requiring much maintenance.

So yes, I think it's highly likely that you could decrease your employer savings to increase your cash flow. 

Practice analyzing deals in your area or out-of-state — it builds your muscle for spotting good opportunities quickly.Network locally and here online.

You can actually decrease your adjusted risk-return by diversifying in terms of location and currency even if you get a lower rate of return from your additional investment (as I mentioned above, you could actually get a (much) higher return.

Evaluate historical and current vacancy rates, aiming for decreasing trends.Demographics: For younger populations, focus on proximity to parks and schools.

And if you need to lower to monthly rent slightly to get a solid tenant in, it will be worth your while long term(as long as your property can handle a price decrease).

At the end of the day is the .5% decrease worth resetting your loan?

As other have said, escrows/impounds for taxes and insurance materially decrease the risk in the loan.

It's not a widely offered service, but it’s a valuable service that speaks to the property management companies confidence in their screening process.Cashflow may be strong now, but rent will inevitably decrease over time if the property is not well maintained.I hope you find this helpful!