I would like to be flexible with my options holding the note in the future.

I like the flexibility that MTM gives both parties; but it does not seem to have any effect on term.

I kind of just want more options and flexibility but maybe I'm overlooking something.

It is Chase bank so I suspect that they would call it (ie: big corp = not very flexible + rising interest rates providing incentive.)I do not have the resources to refi the loan if it is called. 

Your best bet is probably small time landlords as they’ll likely be more flexible.

Plus...escape velocity...Episode 113 – Jay Papasan - Very practical slow and steady adviceEpisode 221 - Tim Shiner - his concept of equity build up and "shearing the sheep" shows some of the flexibility of real estate vs a 401k Last but not least, I strongly recommend all the tax advice given by my fellow CPAs.Amanda HanBrandon HallTax Reform Update – Brandon Hall and Amanda Han Linda Weygant GuidesUltimate Beginners Guide Forum StickiesBP Calculators or spreadsheets uploaded by membersMy Favorite Books I have to say all of the BP books…right?

-mother of two small children- my schedule is not the most flexible (being full-time working mother of two with husband in medical school) but I have carved out some time over this summer that would lend itself to my real estate endeavorsWho you are:-experienced real estate investor (rentals, flips, etc.)

Both will likely give you flexibility to add any addenda you want, while maintaining a baseline of protection and legality. 

What you seek does not exist.Being an investor-friendly title company requires unique local knowledge and the ability to be creative, flexible, smart and willing.You won't find that combo in a national title company.

It has great flexibility.