I researched a bit some seems like a lot of people stay away from them.

If those earnings didn't stay the same or increase, that could leave the lenders with folks that go bankrupt trying to pay for a property they can't make perform like you did.

Way way too often Mrs. wants to stay, but realistically can't afford to stay with one income....and it is just a downhill disaster finacially the longer they stay.   

Tenants prefer detached housing over attached housing and stay longer. 

I stayed with a buddy in Roppongi Minato  when I was there.  

✅ Pros: Lower costs, better cash flow, diversification, scalability⚠ Cons: Harder management, reliance on local teams, financing challengesTips:Visit the market first and build a trusted team (agent, PM, contractor).Choose landlord-friendly states with strong rental demand.Consider a low-maintenance property for your first deal.If staying local, you gain hands-on experience, but out-of-state investing can work with proper due diligence.2.

I guess a few others could have stayed to encourage and educate the new investors for whatever reason.

Even if you aren't into creative finance, stay away from rough neighborhoods.

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

Staying updated and having a good insurance broker is now a key part of your core five (4+1).