I then called the local credit union and they said rates fluctuated between 5-5.1% today for multi family units if I were to go through them. 

So it fluctuates across the board, but not per property.

Typically the mortgage term is 5yrs and that means you are also exposed to interest rate fluctuations.

The reason that we don't is that markets do fluctuate and they sometimes go down a bit.

I find the market is always fluctuating with needs.

@Shiloh LundahlIf you're including today's value of your RE assets, your networth is going to fluctuate every year, some years it goes up, other years it goes down.

If you're more interested in cashing out and reinvesting elsewhere, selling might be the better option.Weigh the potential for future appreciation: Real estate prices can fluctuate, and it's impossible to predict the future.

Not a huge number, so not sure it is statistically significant enough beyond normal monthly fluctuations.

I currently lose about $25 a month after mortgage, insurance, property taxes and homeowner fees.Facts:Purchase price in 2005 - $170,000Current approx value - $195,000Owe $100,000 on an ARM currently at 4.3% which adjusts in October yearly but cannot fluctuate more than 2% points. 

Flipping generally offers quicker returns but can be riskier, especially in fluctuating markets.