If you are a ultra conservative investor, if you have surplus cash you have no use for, if parking surplus cash is your goal, if earning minimum return on your cash fits your investment plans, if you intend to sell as soon as they are paid off then these are all good reasons to force yourself to save money where you can not easily access a 15 year loan is for you.

You might end up with a non-standard or a surplus lines policy.  

it shows 68,000 as surplus. 

There are companies that provide opinions as to the deficit or surplus in a condos reserve account, and also will forecast any anticipated assessments or increase in fees.

Since competition is always fierce in DC, I bid an additional surplus of $63,000 on the lien to win the final bid.

I replaced the carpet in the bedrooms with a luxury vinyl flooring from a local surplus warehouse store.

Almost a month later, they sent us a denial letter in the mail stating that our interest rate was too low to qualify for a Loan Modification and wouldnt end up lowering our payments, and also stating that a repayment plan was off the table because we didnt have enough surplus to make the higher payments.

I have had a few meters stolen from my rentals and then also found surplus meters after the tenants moved out. 

Ideally they have a surplus and no huge expenses. 

The term in year vary from 4 to 30 yrs, and the amortization is usually 20 to 30 years.However this plan only works if you scale up fast because you need to create enough surplus in cash to pay contracts soon.