Take $1000 and decrease it by 50%, you now have $500.

The latter tend to fail and be less accurate than expected although I am sure it will improve over time and the cost of creating personal GPTs will decrease as well. 

(We get a %0.25 rate decrease when we pay with an auto debit payment.

In the future, we plan to make improvements on the home to force increase in value, hopefully we can decrease the mortgage through refinance, hold for a few years and sell for profit.

Buy your assets with enough wiggle room that you can withstand a rent decrease and wait out a downturn.

Who likes to spend their time with someone is only partly loyal.Many years ago when I first went home hunting I had a bad experience with an aggressive agent you tried to muscle me into signing and exclusivity agreement.

In addition, when interest rates decrease in more favorable rates from the FEDS, there will be more buyers looking to diversify (buy).

Not only are second positions risky, but they increase the risk of the first lien as you have decreased/eliminated the investors' skin in the game, so to speak.

If the value of homes go down rents may decrease, but if you buy right you can ride out the storm. 

He doesn't worry about decreasing debt/expenses, but rather on increasing assets /income.