Obviously if the home isn't an entire gut, that cost can fluctuate.

The transport costs (usually from Eastern Nebraska) could fluctuate and push the pricing even more.

HOA fees are an additional cost but dont fluctuate with taxes. 

We are working towards the top of a market cycle, makes me be more cautious in buying.There are a lot of things that cause my confidence levels to fluctuate and who the president is, is not one of them. 

Inflationary pressures, rising interest rates and property taxes are just a few of the headwinds multi-unit property owners experience in a fluctuating market cycle.

Don't forget, rate quotes are kind of useless until you're ready to lock your rate, since rates fluctuate every day!

I also like the fixed option, as you can lock it in and not have to worry about rate fluctuation.  

It's not like the default rate is going to fluctuate very much on a daily or even weekly basis, I would think.

That has to be balanced by maintaining healthy cash reserves, having enough equity to withstand market fluctuations and rental property issues, and your ability and willingness to grow. 

Real Estate ETFs and REITs trade like and are subject to the same market fluctuations and risks of normal stocks and act less like  RE.