That ultimately means their property value goes down, and around 65% of the Nation are homeowners:https://fred.stlouisfed.org/series/RHORUSQ156N  Great point Jake.

Market selection is tough because there are so many choices.

Ultimately, the decision should align with your long-term and short-term goals.

Good luck with either choice!

The combination of Germany's stable economy, well-regulated property market, relatively low interest rates, and the opportunity for long-term capital appreciation make it a compelling choice for U.S.

While short-term rentals in areas like Kissimmee, Florida, can pay for themselves and offer lifestyle benefits, the ROI typically doesn’t match what I see from my traditional portfolio of long-term rentals in North Texas.That said, short-term rentals can still be a great choice, especially if you're drawn to the area and the opportunity to combine personal use with investment income.

The Capitol region, NJ, and CT are solid choices.

So choice is staying stock market and making 15%-20% or buying property and MAYBE breaking even. 

What to do with cash flow ultimately has to align with your goals.

While automation can help with data pulling, it’s those conversations and local market knowledge that ultimately give us the edge in making informed decisions.I really appreciate your thorough response.