If you know yourself and need the forcing function, pick the 20 year.I've heard of some products that allow to keep the same loan duration while adjusting your rate and the amortization schedule.  

But adjusting actions to maximize profit is.  

I'm reading bp's book on flipping houses and I've gotten to a chapter that talks about comp adjustment but I'm unclear as to how they came to their adjustments.

This bank won't be bothering me anymore for my financials every year, nor will they be adjusting my rates or having the right to call it every 5 yrs.  

Does anybody own duplexes in this area, or know how the rental climate is in Tremont?  

The state has beautiful weather but it's not the most friendly climate for real estate investment!!  

Where it follows the property, I always keep it in my name and adjust the rent to account for the expense. 

You need to be comfortable making adjustments on your own.

After she adjusted the values, they were still greatly different. 

Bid may get adjusted after due diligence and when final price is agreed seller sends you a loan sale agreement.