As that is what we agreed on and I should’ve foresaw the downstairs rent decreasing and this is not her fault.

(let’s say your deductible is $25,000).To add a buy-down program to your protection you would look to max your policy deductible (typically to $100k, $500k, or $1MM), which will decrease your premium.The Buy-Down program deductible could stay the same or decrease from than the original $25,000.The program provides coverage from your buy-down deductible up to your new regular policy deductible.The program would be an additional cost, but ideally would save money OR keep costs the same while lowering out of pocket expenses.Part 3 of 5: Who has access to Deductible Buy-Down programs?

Potentially causing a rather quick decrease in revenue as they are all operate in the same stream. 

Decreasing crime indexEssentially, it does not really matter what your strategy is if the market is depressed or in a down cycle.

We primarily invest and manage around SECT (Groton, New London, Mystic), we have a few large employers as well as the Navy here so we don't see a decrease in demand for some time. 

In better neighborhoods with higher price points (over 300k) the margin goes down to $500 or even $400, so your cash flow is decreasing, but your equity gain over time is stronger and you are enjoing a nicer lifestyle.

Your P&I will decrease increasing cash flow but the amount of cash invested will increase lowering your CoC return.Todd 

Does anyone have any other strategies to decrease my insurance costs?

In my experience, my rental properties actually decrease my income taxes, despite positive cash flow, due to the "phantom expense" depreciation.

The stress goes down, cash-flow remains stable, DOM decrease at turn over, and value increases.