And appraisals do the work of keeping markets somewhat price-stable.But then there are some variables that are included that account for market direction.

He should want stability and security for his businessNo need to change that if she is paying rent on time.Paying rent on time is a fleeting variable on which to judge this situation.

The only problem is that the interest is variable.

Usually the house isn't even the most important variable, it's what is going on with the seller in their world and how you can genuinely help

While this isn't your question, what do you intend to do when the rate becomes variable?

That's actually a bigger spread between fixed and variable than I've been seeing.

With real estate it’s the same way: what is your expected return (it’s a random variable but the distribution can be estimated) and the knowledge you gain that will help you make more in the future.

There are a zillion variables at play here so that is a broad generalization and why it's always important to verfiy from a pro.Feel free to connect or shoot me any further questions...always down to help!  

HELOCs are great, however they are usually 1-2 points higher than traditional financing, variable and more meant for short term investments.

That might not be the case every year though, there are many variable at play of course, but we do have consistent seasonality here.