Do you consider short term rental income in the cashflow equation or do you avoid that due to its volatility?

Hopefully that bridges this volatile market and we can start again in November for STR.To me, this confirmed the importance of diversifying. 

The DFW market is actually very volatile.

Long term, stocks are great, but they are too volatile to count on in a short time frame. 

So although I might have maxed out 3 cards I still had 4 others with a $0 balance that I also increased the credit limit on to try and offset the hit to my score thus keeping my credit card utilization % low or at least trying to.There also is nothing more volatile to a credit score whether negative or positive like % credit utilization.

@Jeff B.You have a ton of good opinions in response to your question.As far as my opinion goes for what I see in my market is appreciation is always nice but it can be very volatile in the wrong market (Arizona, Florida in 2008).

Prepayments are a guaranteed percentage return year-over-year for almost 30 years, which is almost impossible to beat (especially with today's volatile stock market). 

If you are wondering why I have included a somewhat historically volatile asset class like commodities, it's because their values tends to be uncorrelated with the systematic risk adherent in the stock market and other asset classes. 

All I know is that it is a bit volatile.  

Way less volatile in a correction.