Essentially they split up the loan into 2 loans to avoid it.

But are there any good 'rules of thumb' behind this principle?

If you're building with a production builder who has an in house lender, essentially they offer 30 year fixed. 

My plan is to essentially by up the scrap lots left in newer subdivision neighborhoods by big developers, build sub 2,000 sqf single family homes, and market them between 200,000$ and 300,000$.

-It's essentially free for landlords (at least with Guardian) once it's set up, because the cost of the service is included in the tenant's monthly water bill.

People that DO PPC don't understand motivated selelrs, and conversion principles and then they just label PPC to be "bad" while it is they are just suck!

The Whole Foods/Trader Joes/Starbucks principle works as well.

So you would make all tenants get this essentially or you can get it for them?

My question is if anyone has experience with getting a 15 year mortgage and then recasting some time later (since the mortgage principle is being paid down quickly)?

We use Engage Essentials luxury plank.