The cashflow fluctuates from month to month depending on the season.

I have great credit, and great credit credentials, but the underwriting process has been slow due to my fluctuating career path.

Check their rates, lease fees, lease renewal fees etc.Do direct deposit of your rent collection and contributions to your PM for repairs from that bank account you just opened and never touch the income as you save for the next property.Do a spread sheet on all your properties as you accumulate more to keep up with passwords for log in to lenders, PMs, insurance, etc. keep track of cash flow, property taxes and insurance (the fluctuations of these benchmarks will give you the information you need to make decisions on raising the rent or not.

Are the driving factors macro-economic trends such as fluctuations in the Energy sector, COVID-19, and lower income taxes or is it trends that are specific to Tulsa, such as major company opening up jobs in the area?

So basically I would be saving $10k over 7 years and then the rest of the life of the loan would be game to annual interest fluctuations.

The rent estimates I’ve gotten running numbers fluctuate however.

Since prices of materials and markets fluctuate greatly you initially want to get just a safe ballpark number in order to make an offer.

Make it a flat dollar amount every month that covers their utilities, rather than fluctuating every month.

Cannabis-use focused publicly-traded REITs such as IIPR have outperformed their non-cannabis publicly traded peers, but there is still the volatility of the market fluctuations of the stock price regardless of the REIT dividend.

After looking at their utility statements from last year - they're averaging about $400/mo in utilities (obviously that fluctuates significantly depending on winter/summer).I realize that I'm going to have to 're-train' these tenants no matter which route I go but what would you do?