@Bonnie LowWe have had a range on the MTR rents as we definitely experience "high season" fluctuations in northern Minnesota thanks to our wicked winters and incredible summers.

The second you begin to use them, your dti (debt to income) ratio will fluctuate and your score will go down with to indicate such.Now there are some issues with some past comments that I want to address:Freecreditreport.com isn’t a scam.

We've been pulling equity to fund the down payment on another rental property but you really need to look at your numbers and make sure, even with fluctuations in the market, that you will have no problem cash flowing both properties, otherwise it would not be a good move. 

I have an “open book” program which allows the client to see all bids and together we select the best fit for each task, this works very well with the finishes of the project as finishes are what fluctuate the most in pricing for construction projects.

Rates fluctuate, and when they eventually drop, the refinance will help the monthly payment make much more sense. 

These figures will fluctuate, if the property is 5 year old vs 50 years old.

While there might be some fluctuations in market value in the short term, the consistent rental income and potential for future appreciation can make these investments quite valuable in the long haul.Hope this example helps illustrate the point a bit better!

You'll still need to provide W2s, paystubs, employment history, all that fun stuff....so if either of you have changed jobs or pay structures recently, credit score has fluctuated greatly those can affect your approvability.

Stick to your plan and avoid making impulsive decisions based on short-term fluctuations.

In fact, a good friend of mine did this even though he didn't receive a discount because he was a trader on an exchange and his monthly cash flow fluctuated greatly.