When rates fluctuate, it shakes up the market in a big way.This is where new homes come out on top.

Nothing illegal about doing that, but if caught, the lender may call the loan due and if you don't correct the situation or pay the loan off, they willstart mortgage foreclosure.3) You could also go the HELOC route to tap the equity in the home, but the 12-month owner-occupancy will also apply AND the interest rate on the HELOC will fluctuate with the Fed Fund Rate.4) You could do a cashout refi as an investment property, but that will be at an interest rate 0.5-1% higher than owner-occupied rate.Suggest you meet with 2-3 lenders to explore your options about the above.Once you have access to funds, recommend you buy a 2-4 unit with 20-25% down. - You can buy owner-occupied, live in one unit, and fix up and rent the other unit(s).- If you're handy, recommend buying a property in the worst condition you can tolerate.

Things will fluctuate but by how much and for how long? 

Diversifying your portfolio can also be beneficial, as it helps mitigate risks associated with market fluctuations.

Yes, this is an unsexy option and it doesn't offer the same tax benefits, but you would benefit from reduced volatility (so long as you don't obsess over fluctuating stock prices), greater liquidity, stronger management teams and superior assets.

And the rates will of course fluctuate over the years.. but if they go up or down then that would apply to all.

This is just an example but I would not try to give anyone a head start as this is going to fluctuate throughout the months and years.  

I think that helps cover the possible fluctuations. 

With real estate, you’re owning a physical asset that’s less subject to daily fluctuations.

This could also lock in a long-term fixed rate if you’re concerned about market fluctuations.3.