My credit fluctuates between 725 - 745.

Unfornutely when I first started out, being from Ca where the taxes don't fluctuate like other states do when prices go up and not being familiar with hurricanes etc, I invested in areas where the taxes and the insur skyrocketed thus leaving a negative cashflow after I had done my #s.

. - Depending on the county you are purchasing in, the VA Entitlement fluctuates on the amount you have available - I know, a bit confusing, but please read on... - You can find what your entitlement is by using this calculator: https://whatsmypayment.com/va-... - The entitlement is equal to 25% of what the county's "High Balance Loan Limit

I'm currently going through the process of finding my first investment property and have noticed that my mood fluctuates from "I've done a lot of research and thousands of people have done this before me."

@Jim Ying    Yes,  you can get lower rates with a 15 or 20 year - though how much lower does fluctuate.   

The best way to do it is to give several lenders all the info and have them give you a couple of quotes on the same day as I did not even mention the fluctuation of the overall mortgage market of course can change from hour to hour much less day to day.

If your expenses fluctuate ever so slightly upwards, you know what that means, don't you?

And if it is legal, still, check into splitting them because that added cost is a big turn off, namely because it can fluctuate wildly based upon tenant usage, and if it is free tenants will use it freely.

If it cash flows & you have good financing do you really care if the value fluctuates?

I am not well versed on HELOC's but the rate fluctuates with the market and you have 10 years I think to pay it back vs 30 rolling it into your loan.