How long are you financing properties?

[Andy N.]

I am currently using a small local bank for financing my rentals.  I am able to get 5% fixed for 10 years with an am of up to 30 years.  I currently have them financed for 10 years.  I don't have much cash flow each month.  But, I do know they will be paid for in ten years.  I keep a good amount of reserves so the small cash flow does not bother me. 

I have started thinking about 15-25 year terms on my next purchases.  I am just curios if anyone is willing to share what they do and their thoughts?

Thanks

Andy