The 24 year option keeps the term of the loan shorter, raises the monthly outlay a little bit and delays getting my wife off the loan by a few months.  

Since most nurses book 3 months with possible renewals, maybe consider booking the April stay but keep an eye out for any shorter-term bookings to fill the gap if needed.

Midterm rental rents for no less than 30 days but shorter than a traditional lease (1 year).

The restriction in Draper is nothing shorter than 30 days, and Lehi’s is that rentals the owner has to live there for 185 days a year, which we would not be.

I allow the shorter stays when it lines up with my calendar but our average reservation is 3 months. 

The shorter the prepayment term has an impact on increasing the rate.4.

But holding longer is better than shorter. 

The cost is quite high considering your scenario, however, that's based on a shorter rate lock period. 

It helps them mitigate the loss by being able to do shorter terms or mo to mo leases incase the rebuild (or in some cases, just clean up efforts or water damage repair etc. doesn't take that long...it gives them options). 

Typically, a cost segregation study identifies and reclassifies certain assets to shorter depreciation periods, allowing for accelerated depreciation deductions and increased tax savings.As a rough estimate, the tax savings from a cost segregation study can range from 15% to 30% of the reclassified property value.