The message was take caution in the next 6 months and make moves accordingly after that...let this current fluctuation play out first.

I have been studying and trading Forex, Stocks (stocks not so much) and Crypto currencies (just recently started Nov. 2017) part time since I was 18 years old so have a clear understanding of value and how it fluctuates based on a number of variables, and think i have an amazing leverage over the average noob.

Sale prices seem to fluctuate up and down in this area vs steady increasing (over the last decade or so).

I heard that real estate agent income can be very inconsistent and fluctuating.

Meanwhile property prices don't necessarily fluctuate accordingly...

However, the stock market can be more volatile, meaning that stock prices can fluctuate rapidly and unpredictably, and it doesn't provide cash flow like rental income.It's important to consider your individual goals and risk tolerance when deciding whether to invest in real estate or the stock market, or a combination of both.

Here is my dilemma, he wants the loan to adjust every 6 months, with the interest tied to any fluctuation of CPI.I had not heard of this before, but I understand his stance.My question to those who are in the seller financing world, have you encountered this before?

A recession will only cause moderate fluctuations in rentals and for that reason having adequate reserves negates any issues with leverage.If financing is the cause of a failure in rental property investing during a recession you simply did not plan ahead.

I just wanted to make sure we were on the same page re: longterm trends vs. short-term fluctuations.

That is because in New Zealand house values are easy to work out and they fluctuate hardly at all.