The Jersey Shore seems like a headache to manage with fluctuating rates throughout the year, but worth the investment based on those returns.Thanks for sharing!

It has always just been pricier then the Wasatch Front but does not seem to fluctuate in price.  

Yes there can be fluctuations, but fast forward 10+ years and it becomes "I'm so glad I bought when I did!" 

One of my children actually goes to school but only three full days/week, Wednesdays are at home and Wednesdays he is with me...I need to get a job to qualify for a loan...in order to get a job I need the children either in school or in childcare.My weekends fluctuate between me and the ex as we have alternating 50/50 custody.I'm in a pickle!

It is not real estate investing, it is hospitality and fluctuates rapidly. 

The reasons I've found come to these conclusions about certain occupations over the years are as follows:Self employed - Income fluctuates and almost impossible to collect from after they move.

Pros: -Interest only payments for 15 years -Can pay down the principal if you wish on your own timeline in that 15 years, and leave it open for future use if you want if you want-Whatever available funds are available also function as a rainy day or emergency fund if you see a need (but will need to get paid back, obviously)Cons: -Most are variable rate and fluctuate with the whims of the Fed; standard seems to be around a point above prime (could be better and/or fixed if you shop around)-For future lending, they can hammer your DTI ratio because lenders could base your potential monthly payment on a worst case scenario high interest rate (I was told 10%).

Prices fluctuate all the time.

Pros of Commercial Real Estate:Higher Rental Income Potential: Commercial properties typically command higher rental rates per square foot compared to residential properties, leading to potentially greater cash flow.Longer Lease Terms: Commercial leases are often longer in duration than residential leases, providing more stable income and reduced turnover costs.Triple Net Leases: In some commercial leases, tenants cover property expenses such as taxes, insurance, and maintenance (Triple Net Leases), reducing the landlord's financial burden.Diversification: Including commercial properties in your portfolio can diversify your investments, spreading risk across different property types and markets.Professional Tenants: Commercial tenants, like businesses and corporations, tend to be more professional and stable than individual residential renters.Cons of Commercial Real Estate:Higher Initial Costs: Commercial properties typically require a more substantial upfront investment, both in terms of purchase price and ongoing maintenance and improvements.Vacancy Risk: Finding new commercial tenants can take longer than residential renters, leading to potential income gaps when properties sit vacant.Market Sensitivity: Commercial real estate values can be more sensitive to economic downturns and market fluctuations, posing a greater risk during economic downturns.Complex Leases: Commercial leases are often more complex than residential leases, requiring a strong understanding of legal and business terms.Limited Residential Experience: If you're new to real estate investing, starting with commercial properties can be challenging without prior residential real estate experience.

I am currently 3 years into a 30 year mortgage at a fixed 3.25%.My options for withdrawing $50k of equity would be the following:- 15-year Home Equity Loan @5.5% which amounts to $408/mo- 30-year cash out refi at 3.375% which would add $180/mo P&I to my current mortgage payment (plus the 3 year extension) My DTI is currently 30% and my credit score fluctuates between 780-800.