Rates will fluctuate until you lock, but you should at least run the numbers with current rates (I usually do current rates plus a bit in cast they go up).If you’ve bought and sold a dozen times, then you can maybe talk about getting a property before lining up financing.

Working with a local bank in my city, I was able to get 75% LTV, and the appraisals are VERY conservative, but for me, it's well worth it because that line of credit is my savings account, my checking account, my home for all money storage.The line fluctuates vastly, sometimes with as little as $15,000 in reserves, sometimes as much as $175,000 in reserve.

(I cashed in my constantly fluctuating mostly down IRA to purchase gold and silver) Bought from Monex.com, US silver and gold coins and I dont think it was $5 over spot.

I've found it pretty hard to comp anything because of all the fluctuation in price and demand.

I realize that the resultant vacancies waiting for HOA approvals will kill my cash flow.All in all, I cash flowed OK when I had it, before the change in rules, and was able to profit from the market fluctuations, The condo complex was land-marked though, needed a new roof that cost over a million to replace.

Every state, city, etc. has their own unique set of challenges that must be dealt with, which can create big fluctuations in the costs to build.

When he had contacted them the said the rates can fluctuate between 5.5% to 9.9% depending on his job, income, assets and debts.

I've seen such a wide fluctuation in land prices, but I would think that this would be on the lower end of the spectrum.

Some short term fluctuations are also found in the data including the 4 major housing price cycles.A more comprehensive report has been published in Builder On Line Newsletter.

SFR appreciation depends on local supply/demand fluctuation but you have no control over it except for buying that SFR in disrepair and fixing up the the neighborhood standard.