Hardiboard material wise doesn't fluctuate a lot throughout the country.

I don't really have data on how much they've fluctuated and why in certain areas.

I think that's what most of the warnings above are alluding to.Absolutely Mitch, a HELOC would be a valid lien and the balance will fluctuate, but using this in a manner to hide equity is still equity stripping....but let's say you get sued and notice is given and then you suck the money out after notice, you then provide financial statements and show the debt.

Of course, maintenance and vacancy both fluctuate year to year, so one year you may genuinely not have any expenses and cash flow will be higher than the estimate, but have a lot the next which hurts your margin, so using a rolling average of our most recent data helps us keep our ROI estimates as accurate as they can be without a crystal ball.

There isn't one dominate industry that causes fluctuations like most cities. 

Another important point to bear in mind is the currency fluctuations.

It can also provide a steady income stream from interest payments, potentially resulting in a higher sale price.However, there are also risks associated with seller financing, such as the buyer defaulting on payments (if the seller still has a mortgage) or property value fluctuations.

The payment split between tenant and the housing authority tends to fluctuate frequently.Any advice from landlords/property managers who have a strong Quickbooks + software pairing would be excellent.

New construction is a very volatile market with wild price fluctuations in both labor and materials. 

The rates, home prices, and rental rates will fluctuate but the best thing is to put yourself in a strong position to buy when ready.