.- Even if all of you reading this planted a 1,000 acres; that would not but a dent in the demand, and decreasing availability.- If the world goes into a recession or depression. 

That will definitely increase blue collar wages in certain industries and decrease rental demand in certain submarkets over the course of years.

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

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.

Interesting thought but rates are already going down as the 10 year yield decreases.

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. 

so you have a store of value that will decrease in value if you liquidate it?

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

If we are analyzing a turnkey property, is it reasonable to decrease the repairs and capex to like 5% each?

There was one month where an adjustment to 2017 Illinois taxes decreased my disbursement a bit.