why is the job growth in Bloomington Indiana decreasing while the population increases (prior to pandemic)?

Your chances of cash flowing positive will always decrease when you have a low down payment on a high valued property, naturally.

So, if you buy a property targeted at families in an area where the “family aged” population is decreasing due to aging (even if the total population is stable), you are going have a serious problem in a few years.EmploymentIn many parts of the US, manufacturing and similar high paying jobs are vanishing and what remains are service sector type jobs.

Is their opportunity to increase rents if they are below market rates or are their opportunities to decrease expenses?

There are other factors:neighborhoodprice rangeage of propertycost of the renowhether you are flipping, renting or occupying.how long you plan to own the property.In general I look to increase the number of bedrooms if there are less than 3, decrease the number of bedrooms if more than 5, and increase the number of bathrooms to 2 or 3.But there are exceptions.

She would call inadequate heat when heat was 74 degrees. 

The interest rate is variable so if rates start going down, our interest payments will also decrease.

Philadelphia's population growth was about 4.4% and other cities like Brentwood and McKees Rocks saw a population decrease of -11.4 and -11.6 respectively.

Too many people unfortunately in todays world do live paycheck to paycheck and are unable to save up to owning simply because they are undisciplined when it comes to money. 1st financial law from the book "The Richest man in Babylon" : one's "necessary" expenses will increase AND decrease in DIRECT proportion to ones income.

The mortgage insurance costs for FHA decreased, and interest rates are lower now as well.