Equity, though it fluctuates, is one of the strongest investments in the marketplace through the test of time.

By opting for a loan, investors maintain autonomy in decision-making processes and have the flexibility to execute their strategies without interference from external stakeholders.Cons of Getting a Loan:  Debt Burden: Taking on a loan means incurring debt, which can increase financial risk.You must carefully assess their ability to repay the loan, considering potential market fluctuations, vacancy rates, and unexpected expenses.

They show annual projections and account for seasonal fluctuations in rental income for STRs.

But overall it seems to go pretty smoothly, and the investing portal is very easy to use.I have noticed that the quality of loans seems to fluctuate quite a bit over time, so don't rush yourself into a questionable deal just because it's all they have available at the current time.

Saving/Investment: 25%Giving: 25%Fixed Expenses: 20%Variable Expenses:  20%  Fun Money: 10%With each fluctuation a small percentage month to month.Help!

I can't speak on behalf of the Dallas market, but the reality is prices have been fluctuating these past months so the estimates will vary dramatically based on how much data is pulled. 

That could be:- laundry- # of bathrooms- private yard with sprinklersSome scenarios which I've never faced but you might want to think about- highly uneven number of tenants not accounted for with bedrooms (I wouldn't normally base on people because that can fluctuate with tenant change)- highly uneven square footage not accounted for with bedrooms and bathrooms- a tenant that keeps a greenhouse, etc (I actually did have this when I first started in rentals and was paying water.

Prices – stable to slightly down- Seasonally adjusted prices have remained flat for 9 months since August 2022, while monthly home prices were slightly down (3.2%) compared to last April, the 5th consecutive month slightly off.Mortgage rates – less volatile than recently- Today’s (5/4/23) 30yr fixed averages 6.49%, the same as a month ago though it has fluctuated since then.

Real estate markets can fluctuate over time, so it's essential to regularly assess market conditions.

If your numbers are conservative for market fluctuation, I would do the same.