By default the Dollar has to get significantly devalued, which means your future debt decreases in cost significantly. 

For example, during the 2008 financial crash, our clients had no decrease in rent and no vacancies.Achieving and sustaining financial independence totally depends on where you invest.

You can find higher ROI (on paper) here and probably in other cities…but the probability of actually collecting rent significantly decreases.

I have also had clients wait to refinance and their market decreased, which inhibited their ability to accomplish a good BRRRR.

Here's the latest in Brevard County Real Estate (all property types and all price points) - July 2025My take: Compared to many FL markets, Brevard County prices are still holding (no significant increases or decreases in the last 2 years).

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

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

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

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.