In less ridiculous times banks paid actual interest, and the rate on a savings account fluctuates.

:giggle: They were saying the same things about Silicon Valley in the '70s - - and while there were some MINOR fluctuation, the Sky Never Fell In - - and if you look currently and read how difficult members are finding the Bay Area today, it's still has not.To see RE markets 'collapse', we would need 10x 2008 problems, major foreclosures(HUGE RE inventroies), major job losses in multiple industries, and basically, a second incarnation of the  Great Depression.

The number may fluctuate if you are in a more expense city. 

Electric baseboard (Cheapest to install among the most expensive to operate)8. oil heat (costs fluctuate and is often the most expensive, tenants don't like)

That is what I was thinking, but doesn't HELOC's interest rates fluctuate and are higher. 

I would increase that by 10% to cover ordinary fluctuations and then include a clause in their lease that says, "Rent includes utilities up to $165 per month.

But if you learn to ignore the daily price fluctuations, REITS provide liquidity and diversification not found in syndications.  

Additionally, apartments can be subject to market fluctuations, which can make it more risky than other types of investments.It also important to note that investing in apartments requires a great deal of knowledge and experience, as well as a good understanding of the local real estate market and the laws and regulations that govern it. 

where I also manage the quadplex.I have an 800 credit score but like I said doesn't seem to matter with my crazy fluctuating income.My work as an artist makes most of my days flexible so I have time to devote to learning.One thing I'm looking at is house hacking by taking advantage of the new SB1079 law as an eligible bidder.

I believe in the 4th quarter of this year is when we’ll see the market fluctuate.