This is just to ensure no large fluctuation in fees that could kill your cash flow or put you in red in worse scenarios.

Prices can fluctuate greatly based on geographic location.

Prices fluctuate, particularly in the last year.

So, buy and hold, just keep on keeping on as the daily/monthly/yearly fluctuations of the market have absolutely NO AFFECT on my strategy.  

@Randall Alan would this budget depend on location (i.e. might the repair costs fluctuate depending on the city you are in)?

Careful on monthly price per KWH calculations (local rates can fluctuate).  

Take a look at how just two percentage points can change your payment: Loan $165,000 Rate: 3.5% Term: 30 years PAYMENT: $740.92Loan $165,000 Rate: 4.0% Term: 30 years PAYMENT: $787.74Loan $165,000 Rate: 5.5% Term: 30 years PAYMENT: $936.85You would be better off locking in a rate on a 15 or 30 year mortgage rather than having the worries that as interest rates increase your return decreases.To see if a HELOC will be better, make sure you calculate how much interest your will pay on this loan (higher interest rate + fluctuating) over lets say 5 years compared with a traditional 15 or 30 year mortgage.

Bac Nguyen - You failed to mention that the annual fees for Equity Trust fluctuate depending on the amount of assets in the account.

Crime rates can fluctuate and there are ways to get increased police patrols in the area which may or may not affect the crime rate.

the "per season" apparently means the visit price may fluctuate per season or some rubbish.