You may want to use fractions rather than dollar amounts, since dollar amounts pay fluctuate, but 1/3 of the electric bill will always be 1/3 of the electric bill.

If you have a 640, 619, and 615, your score for mortgage purposes will be 619 even if you have a 640 with one bureau.You are so very close, and scores do fluctuate from month to month. 

I'm not sure if that number fluctuated in the meantime and is on its way up or down.

I say to extent because if the property is 5 years old vs 50 years old, your maintenance number would definitely fluctuate, and your capex would change not as much.For a single family house, I use a minimum of $1000 for capex and for a fourplex or more units, I use a minimum of $350 per unit capex.In terms of maintenance, I use a minimum of $1000 for a single family and $600 per unit for a multifamily property.

Too much leverage, when something goes wrong (market fluctuation), you're out.

Of course, major fluctuations in the macro-economy or significant unforeseen conditions could impact these projections. 

Here are some things to consider:1) Vacation rentals fluctuate a lot in terms of demand, which is one of the biggest reasons they don't cash flow as well (or as regularly) as your typical rental properties.  

, most economic fluctuations are barely even noticeable. 

If you buy right with plenty of positive cash flow and equity, though, these short term fluctuations shouldn't matter all that much.

Thanks for the awesome advice everyone, so what I'm hearing is yes rates may fluctuate between lenders but not so much that it is ever going to be worth going with someone because they're cheaper (due to initial hurdles in VA loan process).