Technically when you do this through a bank it will be based on average daily Balance so it can fluctuate a few dollars but that's irrelevant in this case.

Otherwise, comparing rates is essentially worthless, since rates fluctuate on a daily basis and you'll never get a true comparison.

I also always look for deals where I can get a short term forced appreciation equity bump to insulate me from short term market fluctuations and hold from a position of financial strength ... who knows about the short term market, which is why I like to counterbalance the uncertainty with forced appreciation, but If you run your numbers this way, it will give you a clearer picture of your likely long term returns. 

So that average cash flow amount will fluctuate based on if you have a vacancy that month, or have to fix a bunch of stuff the tenant breaks, obviously.However, like I said, multi-units tend to cash flow a lot more.  

While certain neighborhoods are generally better than others, you will find that some of the property values fluctuate greater than 10% from any given block to the next.

And assuming we're talking buy and hold, wouldn't the long term stability outweigh any market fluctuations, especially since you'll be paying it down. 

I think the rate they quoted me was a 5 year loan @ 5.25 (they said it fluctuates though, don't think it was fixed for 5 years) amortized out 25 years.  

Strong fluctuations tend to affect the Energy Corridor most.

I heard it fluctuates depending on the number of properties with loans you own.  

However, my market doesn't fluctuate as much, as drastically, etc as the rest of the country as a whole.