Are you covering property/appliances you are leaving behind, what is the age of the property and condition, rates also fluctuate due to insurer's rates and reinsurer coverage strength.

Other trends that emerged from the study was that only about 25% percent of persons said that interest rate fluctuations would not have an impact on house buying.

Rents do not fluctuate nearly as much as home prices so you should be okay as long as you cash flow. 

All eggs in one basket makes for scrambled eggs if market tanks.I invest in several states for various reasons, one of which is market fluctuations.

Home equity lines rates usually fluctuate with prime interest rates.

Due to where I live I doubt I'll ever be able to fully get 100% of my money back short term because finding a SFR at 75-80% under ARV will be tough and homes in my area don't fluctuate with appreciation as much as other areas in the country it seems.

@david Faulkner But heloc rate fluctuate.

I always plan to hold on to properties I buy but have flipped a couple due to market fluctuations or unforseen expenses.

The only reason the payment fluctuates is because of taxes or insurance.  

The bigger reason is the fluctuating cost of utilities.