There are stated or no income 2nd mortgage loans but typically these are fixed term and fixed payment type second mortgages meaning the interest rate usually doesnt fluctuate like a HELOC or home equity line of credit would fluctuate (prime + margin = annual rate calculated based on a monthly basis). 

You just need to buy a stable coin with it so the value doesn’t fluctuate on you.

However, the price fluctuates like stocks, so you may sell for more or less than your purchase price.REIT share prices can increase or decrease based on market demand, real estate trends, and the REIT’s performance.

I want what’s doing best, as the S&P since the Depression has returned on average 10.6% (it fluctuates by .1 or .2% periodically) if I buy a property I want it’s IRR to at least beat that.

Assuming the area you do arbitrage in is not a seasonal area and have demand year round with maybe some fluctuation.

Quote from @Conrad Tillman: Quote from @Jay Hinrichs: LOL  its kind of like 50 ways to leave your lover.And its very much dependent on your jurisdiction. however I will list the stuff I have gone through the last decade or so through about 200 new builds in 4 markets.1. material price fluctuations. rarely down almost always up pretty much annually. 2. as we all know labor  scarce  and or unqualified and do poor work..

Commercial values can fluctuate greatly - I am a fan of time heals all wounds and if you acquire a commercial property and can turn it around I believe there is still money to be made. 

Agree with what Jay outlined above.  1% is right around the going rate but things can fluctuate based on the specific deal, lender, capital available, etc... 

I’ve done some initial research, but I’d love to hear from anyone with firsthand experience or knowledge of the Gulf Shores rental market.Specifically, I’m curious about:•Occupancy Trends: How does demand fluctuate throughout the year?

If your goal is stability and less volatility, an LTR could be more predictable, but it wouldn’t give you the cash flow cushion you’re looking for.Pros:More predictable income with less management effort than STR.Lower vacancy rates compared to STR.Less risk of fluctuating occupancy rates.Cons:Potential negative cash flow if maintenance and repairs exceed margins.Limited growth potential for income.3.