Whee, I bought at a 10% cap and my rents are decreasing and vacancy is up! 

This would provide me the capital necessary to fund my real estate business and get it off the ground and also provide a conservative reserve for unknown expenses.Effectively, I'd be making the decision that I can actively manage my real estate portfolio in a way that will generate a return better than the stock market (index funds via 401(k)).I've been a passive index fund investor for years and the thought of decreasing my retirement account contribution is painful.

If not, then I might not be too quick to decrease it.

I COULD purchase another rental property, but knowing there's going to be a hefty recession coming up, the value of that also will decrease.

After spending a few years investing out of state in long term rentals, I realized that I would have to accumulate up to 100+ houses at the infamous “$100/door” target to completely decrease my dependance on my W-2 income.

I am trying to figure out how much more to pay per month and how many monthe it will decrease the loan term.Thank you.

A local Investor-Agent can help shorten your learning curve and save you a lot of headaches as they tend to understand the market better.I will say to decrease your risk, and I am glad you’re looking out of state.

With those numbers that are given I would assume that 12% is the yearly appreciation estimate which 12% of 100,000 would be $12,000 or $1,000 per month.This appreciation number is a guess and I would not count on it every year, specially as we are seeing interest rates increase and home values decrease over the last 3-6 months in most markets.Generally a safe appreciation number would be inflation plus a 1% in most markets, but 2022 and 2023 will be a different bear I am sure! 

As the Property appreciates and loan balances decrease ~you can cash out refinance. additionally, this may be a repair that applies for bonus depreciation. 

If you improve your property and increase rent, your repairs will more than likely decrease rather than increase.