My CS fluctuates from 780 to 800.  

If you're in the short game trying to capitalize on market fluctuations or appreciation, the risk is that you might buy at the top of the market and get stuck overpaying with few exit options.if you're playing the (really) long game, then it matters much less.

Because, the South Florida market, sell prices fluctuate so wildly compared to relatively stable cash flow markets like the mid-west. 

A great deal will insulate you to a large degree from any short term market fluctuations ... in fact, that is the very definition that I use to analyze if I have in fact found a great deal ...

Hi guys,I have a question about financing...Just considering options... say your wife has a W2 income from her job and you have a W2 income from your own S-Corp(and your business has been around for at least 10 years but with fluctuating W2 income) and then your wife considers taking a break from her W2 income to recover thoroughly from her illness... outside of the W2 income we do have $30k-$40k cashflow from existing rentals.How hard would it be for you to get conventional financing with this scenario (losing a more consistent W2 income - even though her W2 is lower than yours) to finance our SFHs purchases?

According to Dave Ramsey put it in a mutual fund it should gain 12% but can fluctuate.  

Also, you should look for opportunities to buy below market and force some appreciation, so that you are not 100% dependent on cash flow to make all your returns, you will be insulated to some degree from short term market fluctuations, you create multiple profitable exit strategies for yourself, and your cash flow numbers should also improve to boot.

This data only includes the 19 small to mid size cities and towns I am interested having investments in.2016 Multi-Family Sales2 Unit Apartment Buildings in my Farm took a dive last year, would have been a good time to buy a 2 unit building but I opted for a 3 unit with better cash flow.59 (2)unit properties soldRed line is the sale price, Blue line is the list priceThe average sale price for the year was close to $65,000The average Discount from list price averaged $9,000Only 10 of the sold properties were purchased at list price or abovePrice per unit was a whopping average of $28,6543 Unit Apartment buildings in my Farm did a little better on price the building I purchased was the last 3 unit in December in 2016 at a 10% discount from the list price and about 11k below market rate at that time.13 (3)unit Buildings soldRed line is sales and the blue line is discount from list price.The average sale price for the year was close to $83,000The average discount from list price was $9,000Only 1 building was purchased at 5k above list priceThe average price per unit was $27,4872017 Multi-Family Sales2 Unit apartment buildings in my farm this year are not suffering as much of a hit to price this year although the average price has continued to drop but only slightly.62 (2)unit Buildings soldRed line is sales and the blue line is discount from list price.The average sale price so far is $58,000The average discount from list price so far is $7,1417 Buildings have sold above list priceThe average price per unit was $30,0003 Unit apartment buildings 201710 (3)unit Building soldRed line is sales and the blue line is discount from list price.The average sale price so far is $75,000The average discount from list price so far is $8,7231 building has sold at list priceThe average price per unit is $25,175SynopsisAlthough there are some minor fluctuations in the NEPA Multi-family market the next chart shows all Multi-Family sales year over year which shows the relative stability of the market.  

The SoCal guy said, "you're never going to lose if you find a deal and keep it for the long term, don't focus so much on short term fluctuations."

Hi DiogoNot sure if you refer to transfer losses or exchange rate fluctuation.