For my duplexes, I use 8.33% as I have high turn over (most tenants say less than 2 yrs), but the area is in high demand and rents fast.  

I also do want to eventually just pay off the house and own it in case of emergencies when im older :) I have 14 yrs left (i refinanced last year).Meg

My name is Darrell Tucker (26 yrs. old).

These payments will be $176 per month for 5 yrs.

He had a super score, he has been yrs struggling to pay this off.   

i just removed 6 fans from two homes. i dont want them to break down.but i still install garbage disposals. just last weekend i got my first "clogged pipe" in 4 yrs. turns out it was garbage disposal clog.also - http://www.biggerpockets.com/forums/52/topics/68041-how-do-you-harden-your-rentals

It's a newer home only 2 yrs old in a newer neighborhood.

This adds debt of 10k total to buy down the rate to 4.75% which is my current rate but saves 32k over 30 yrs.

The builder has been in business for @ 20 yrs. and has built subdivisions and spec homes before.

@Zach Bollman Commercial loans, which is the bank department to talk to, are different in that you can get 20-25 yr. amortization but they usually balloon in 5-10 yrs. and then you have to refi.