Hi Bryan, these loan types are becoming more uncommon, with rates fluctuating as often as they are.

Also the reason the banks don't like STR is because the income can fluctuate greatly and that is a risky asset for them to securitize.

The occupancy fluctates, the collected rents fluctuate, the repairs and expenses fluctuate, all on a monthly basis. 

Yet I rank 1.It took me 3 to 4 months to rank on first page of google with  appearances on the first spot fluctuating.

They are very easy to get in contact with, have affordable rates that don't fluctuate too much, and best of all they're relatively local.

But yeah, you're right, the "true" return will always fluctuate. 

You have to take fluctuating interest rates into consideration.

This strategy is great, but it fluctuates depending on the time of year, you probably won't live for free because it is more challenging since you are only Airbnbing a small space or basement unit.3) MTR - this is a good in between style of creative strategies since you can furnish a place nicely that would rent out on Airbnb but you want a long-term high quality tenant like a travel nurse or corporate rental that stay for 2-3 months vs. under 30 days for most Airbnbs.Combining strategies is the best way to go, ideally, you would find a house with a separate entrance or walkout basement, live upstairs in the one of the bedrooms, rent out the other upstairs rooms and STR/MTR/LTR the bottom unit.

This strategy is great, but it fluctuates depending on the time of year, you can still live for free, but it is more challenging since you are only Airbnbing a small space or basement unit. 3) MTR - this is a good in between style of creative strategies since you can furnish a place nicely that would rent out on Airbnb but you want a long-term high quality tenant like a travel nurse or corporate rental that stay for 2-3 months vs. under 30 days for most Airbnbs.Combining strategies is the best way to go, ideally, you would find a house with a separate entrance or walkout basement, live upstairs in the one of the bedrooms, rent out the other upstairs rooms and STR/MTR the bottom unit.

Does the interest rate fluctuate up and down with the HELOC loan?