Quote from @Jared Hottle: ...and always remember that prices fluctuate.

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!

Taxes fluctuate yes, but not to the degree you are making it out to be.

Market fluctuations is precisely the topic I am interested in studying.

The benefits would certainly be to stabilize fluctuations in maintenance costs and to streamline repairs, but at what cost?  

Thanks @Nate Reed for explaining.As a primary buy&hold investor, with passive income as the goal, I come from a different perspective:- The property appreciation is not something you can rely on, as nobody can predict the market fluctuations and time the market.

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.

We fluctuate very slowly compared to many markets in America.

My appreciation rates are based on decades of data and yes it fluctuates but duplicates itself in every decade.Rents are good and needed for most people but I know a few people that never rent and walk away with hundreds of thousands of dollars in appreciation.The thing about relying solely on rents is that if you are not a good landlord/manager you have no profit.  

It's a challenging question to answer for agents because it fluctuates significantly from month to month and even year to year.