Then the retire older and more experienced Police Officers, then Teachers.So, you would expect more burned out vacant buildings, increase in crime and decrease in the quality of schools in neighborhoods that cannot make corrective measures.

The point I am trying to make is that leverage can increase your returns but as you pay back principal you're leverage decreases.

From there you can run your ow pro-forma, compare to similar properties, see where there's opportunity to decrease expenses to up the NOI, whatever. 

In your opinion is having a higher net worth or using that equity to make another investment and temporarily decreasing your net worth and being highly leveraged the better move in the current market?

Condo prices showed no releanting either with sales in August totaling 2,618 transactions, marking a 1.1 percent decrease from a year earlier.

You can do this 3 ways - decrease spending, increase income, or both.  4) Set goals and stick to them.

the interest will decrease with time, but by then maybe capex will start kicking in, but first year/max 4000K/year-333$/month.The depreciation, if building is only 50 % - 151$/month, if 20% - 60$/month, with interest total 393-484$/month.Vacancy (10%) 125$/month, and capex 183 $ /month, total 308 $/month, which would leave 85-176 $/month for positive cash flow that isn't taxable,  not a lot and that number only goes down with time.

Can you decrease your debt or live more cheaply if need be?  

Peace of mind from less debt.Pros for taking out the line of credit: We could capitalize on the SFH's equity (while still keeping it as a cash flowing rental- although the high monthly cash flow would decrease -  and avoid "parking our money" in the home's equity. 

As rents increase I'm sure crime will also decrease.