I'm self-employed and just spent 9 months traveling n South Asia, which makes it harder to get loans, even though my credit score fluctuates between 787 and 812.

I currently have one property that has fluctuated from a primary residence to a rental over the last 10 years (unfortunately purchased near the peak).

Owen, although I agree for the most part of your analogy, I disagree with the notion that cash flow is somewhat immune trends and fluctuation.

Everything seems to be fluctuating and changing.

I've been reading a lot here, and I know there are some people who are self-employed here; however, I am curious about how funding has worked for those who are self-employed with one or more of the the following "barriers":Highly fluctuating yearly incomeLimited amount for down (say the 3-10% range)Being in your self-employed field for less than 2 yearsFair credit/Credit Issues/Bankruptcies These are just general questions.I know quite a few self-employed people who make anywhere from 15k to 1m a year, but they all discuss how frustrating it is to (try) to get "traditional" financing when self-employed and applying for mortgages; regardless of credit.

When I was selling my property last year the realtor even posted the number of minutes walk to the subway and it definitely seemed like value would fluctuate based on that metric.

I live in a rural area where there is a great deal of fluctuation in housing prices.  

Also with the the rising interest rates I think this will cause some fluctuation in the market which will cause some people to downsize to a condo.

If you wouldn't plan on being able to pay it back right away, that interest could add up and fluctuate over time giving you interest rate risk.

That is because interest rates fluctuate every day and sometimes multiple times a day.