It's decreasing as time goes on, and the sell side is too stubborn to acknowledge it.So patience is my creativity, and uniqueness.

Real Estate values, nationally, have never decreased over any 10 years.

Conversely, when property prices are low, rental demand decreases, causing rental rates to remain relatively flat or fall.How can you identify cities that are likely to have significant and sustained appreciation and rent growth?

Cars decrease net worth over time.

Homes prices are still at record highs, some decreases-depending on the city, however, high density apartments are skyrocketing.

early/prepayment only decreases the income/value of the pkg. 

If the husband defaults on the loan, it could affect the household's financial situation, potentially leading to missed payments on other obligations or a decrease in property value, which might influence her credit indirectly.3.

Should I wait until I can put 20% down on a property to decrease the monthly mortgage payment?

I would love to keep it as a rental but at this time I think it would take too long for the rent values to increase enough to make sense Worst case scenario is I have to hold the home for an extended period if the market decreases short term. 

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