For your cash that you want to utilize a bit more, I'd just find a high yield account that you can park it in and keep accumulating, something of low risk that won't fluctuate much.I like to keep liquid a certain % for my personal emergency fund, funds to cover expenses on properties for a few months, and then I like to accumulate enough to go in on an apartment deal that I put together, to show my investors that I also invest in what I'm pitching them

In short, short term asset price fluctuations should not concern long term investors looking for cash flow.  

Id love to here from some of you that have been in similar situations or maybe another take on it, maybe I have options Im not thinking of.Side Note- Im a flipper/realtor with a rather unsteady income $100k-250k a year and the wife has a solid income (Owns a traveling hair salon) I hate that a lot of pressure is on her since her income is super steady and mine fluctuates so damn much.Opinions NEEDED

General rule of thumb would be to assume 10% of income will go towards property management, but this value may fluctuate depending on location, property-type, etc...

@Jaysen Medhurst This is the article I read, but i have also seen a couple others and some points seem to fluctuate between what they are saying, such as percentage of residential to commercial space. https://www.fhanewsblog.com/2017/12/can-i-get-an-fha-loan-for-a-commercial-property/

Currently 5.5%+1%=6.5%.You can see the history of the Prime Rate here to get an idea of how it moves: http://www.fedprimerate.com/wall_street_journal_prime_rate_history.htmNote that it hasn't fluctuated more than 2% in the past 10 years, and doesn't typically move up or down very fast, so it's highly unlikely you'd ever see a jump from 3.99% to 6.5% in a single month. 

I live in Philadelphia so I know this market fluctuates between "sections of the city but I am just trying to sharpen my Analyzing skills.Any feedback is helpful!

I'm curious to see how occupancy rates fluctuate once we get past the worst of the pandemic - like 2022/23.

The construction cost can fluctuate drastically --- I mean by several millions --- depending on the design choices, construction materials, etc.

My income fluctuates do to my freelance work.I have an amazing credit score 799I tried to get a line of credit and got rejected from my bank.I now have an offer to refinance and get cash out for a total of $375K loan at 4.5% for 30 years (That gives me a bit more then $175K out)My plan was to keep my mortgage as is rent my place out to cover it and get a new multi unit to live in and rent.