If a gym gives month to month cancel anytime with specials then cash flow heavily fluctuates but expenses are constant.

Jimmy,I would like to add, while not common, that some bases shutdown, training numbers fluctuate, or brigades move and that can severely hurt the population of these small military towns. 

Flips are great in this scenario because they are a shorter term investment that you can profit from quicker and ride with market fluctuations more steadily throughout the year.

I think steady cash flow without market fluctuation fear provides a lot of peace of mind for a first investment! 

They're not truly fixed, but they don't fluctuate much.

Any fluctuating income typically requires 2 years though it can be done with less.

They're not truly fixed, but they don't fluctuate much.

They're not truly fixed, but they don't fluctuate much.

I hope this is a fairly logical approach to take as real life can change factors randomly and we must ultimately cope with that as required.So, we must break down a scenario with only the essentials on the table:We have some undefined amount that can be applied to one loan at a time (for the sake of focusing on the efficiency principle).In addition to being an undefined amount it can also fluctuate in unknown amounts and directions (keeping real life involved).All loans are assumed to be fixed rate and amortized.All the loans are at different points in their life cycle of pay down.The loans could have had the same, different, or mixed original amortization periods.We will have 4 loans to prioritize (listed in no particular order) so we can work off the same example:A) Remaining principle $94,925, Interest rate 3.75%, Monthly payment $710B) Remaining principle $54,814, Interest rate 5.50%, Monthly payment $388C) Remaining principle $12,741, Interest rate 3.90%, Monthly payment $532D) Remaining principle $41,495, Interest rate 5.25%, Monthly payment $355Given the above information:Is there some fundamental flaw in looking at the question in this manner?

Increase rent $25 each and include that utility in the rent.I recommend bumping it 10% per unit to cover fluctuations.