I have learned that San Diego values can fluctuate street by street in some locations.

Not really interested in commercial loans or anything I have to refinance every 5-10 years that would leave me vulnerable to the fluctuation of interest rates.Any recommendations would be appreciated.

It’s a money market, pays 1.82% yield currently, and doesn’t fluctuate.

If you do, then maybe it's worth selling that one and buying more of those (keeping in mind fluctuations for risk factors).

Kind of like how Warren Buffet looks at the day to day fluctuations in the stock market. 

The market may fluctuate, maybe slow down a bit, but there overall trend is very clear.Just like (over) supply (plus a little mortgage meltdown) caused the 2010 collapse, it is supply (shortage) and demand that is driving this now, and there is no change in direction until we see new supply, which we could only see in the form of high rise condos in opportunity zones and downtown.Most of my crystal balls expect at least another +5% for Milwaukee this year and I don't see a real reason why "Denver" could not happen to us here.We all have real estate PTSD from 2008, but when you look back in history you realize, this was a one time event with very special circumstances.

I also like a longer hold which allows you to pick up more recession-based revenue increases over time while the cap rates and interest rates fluctuate against and for you.

However understand that HELOCS are variable interest meaning that your interest rate will fluctuate with current interest rates, it's not fixed.

Management fluctuates on area and company, remember, you get what you pay for here.

Landlord friendly vs tenant friendly and the overall demographics - price-appreciation - local market fluctuations - all interesting trends to observe and learn.PS: Agree on the fact that multi-family makes you the most money eventually & old-time investors or general thumb rule has been to stay local - buy/manage local etc.