Or is it because of the pandemic, you have to reduce rent?

Even though the 30-year has a somewhat higher rate, it allows you to make a smaller payment during bad times, reducing your risk.

For buy and hold regardless of what market value does, my costs remain the same, and unless I am forced to reduce rent then my revenue remains the same.

@George Allen if he's willing to do that and reduce the sale price by $36k that could save you a significant amount of money, considering the loan term is only 10 years.

I’m not convinced these guys are actually going to move out by the end of the month and if she doesn’t take me up on the reduced rent offer or pay rent for October my plan is to file for an eviction for all of them on the 6thfor non-payment of rent (they've been notified in the lease). 

And many typical entertainment and recreational activities are still closed or operating at reduced capacity, leading some households to save more at the very time they realize they could use much more money.

@Michael Pison if you include a mortgaged duplex and a paid off house you should see a very healthy profit, however if you are just looking at the duplex you'll likely only see reduced living expenses.

Start out by playing defense and reduce your expenses.

@Anthony Marin I’ve been noticing that lately of course I strongly believe doing your homework is super important and can’t be stressed enough before deciding to invest in a certain area .

@Cody L. if you have any tricks for reducing the fixed costs inherent in getting a loan from a local bank and then converting to a longer term fannie/freddie loan later I'd be interested in hearing about it.