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.

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.