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. 

ROI might even be higher since our capex costs will decrease per my original model.Here's my question. 

However, I think that having the shorter term is actually more risky, because if your rents decrease, you will have negative cash flow.

My issue is DTI, so I'm saving and paying off smaller debts to decrease the amount I owe (student loan, rooms to go, etc.) and consolidating the rest into lower interest accounts.