I may have to lower prices a little, but my properties attract couples and small families in an affordable, drivable destination, and I have enough margin that I can ride out a drop in price for awhile.  

In lower income properties you can grab a 7.5 sometimes, most hover around 6.3.

Generally, only the lower ranking folks stay near base due to prices.

It won’t lower any of your monthly payments.

With cash, your holding costs are MUCH lower so a delay isn't as costly.

So my options to lower my monthly payments are limited at best.

Lowering their temperature certainly leads to longer term tenancies. 

Looks like there are a lot of lower priced foreclosures in your area too. 

It could be that the demographics for the area is lower income families.

So, if you want to refinance in the future, it may not add anything to your valueDuplexes may appraise as less than a single family house and thus you might even lower your value.