It did not quite work out for me to repeat this pattern multiple times due to how the Colorado market fluctuated, but I now have two rental properties that were my primary residences when I got the original mortgages and when I got HELOCs on them, so I have access to capital that would otherwise be trapped. 

Carriers fluctuate annually in each zip code.

I think many wholesalers try to net a minimum of $5k for each deal but that can fluctuate up or down depending on the deal.  

I understand the stock market fluctuates, but owning RE for a low return isn't a good decision long-term either.

Check them out, I'm not affiliated in any way, but after using them our seasonal fluctuations diminished.

The rates on HELOCs are usually tied to the Prime Rate and will fluctuate based on market conditions.

A part of me (the more risk averse part) is more inclined to focus on debt paydown and stabilizing and preparing the portfolio for fluctuations in the market.

Even though due to market  is fluctuating the rates  go down but never goes back where it was before.

Which makes sense, since taxes are public record but insurance is a fluctuating market with many players.As a general rule, when in doubt round down for estimated income, and round up for estimated expenses.You'll do fewer deals, but the ones you do will be safer.

And then there are fluctuations.