Prices have certainly increased too.We just applied for a home equity loan.  

I also found a coupon code "search" which was supposed to take me to 261 (That's what it showed on the screen when I applied it).I figured the total would be about $200 with the prorate and coupon.

I am also researching a strategy tool that applies only to for profit commercial property.

I've learned a lot, or so I think, just haven't applied the knowledge yet and frankly I am still fearful.

Reason for 30y would be so that my debit to income ratio would be lower if I was applying for a 2nd loan.Main thing is I won't be able to qualify for a loan without my full time income, however, I really need to go part time asap as the busy season for my biz is coming up.

If it is April 1 I might hold the application and see who else applies.

It seems like a lot of information that does not apply to me ?

At the end of 5 years, you can decide to change lenders, in which case you need to apply to other lenders, or your existing lender (as long as you have been making regular payments) will offer to continue your loan into a new term with the existing amortization continuing.

Or do the notice rules only apply to entering the actual house or apartment?

Secondly, DON'T apply for such over-leverage!