I have very little knowledge about pharmaceuticals, apparel, software, mobile devices, music, precious metals, etc... so there is no way that I can make an educated investment in those other industries.  

I want to lock in the low rates for the long term.

But, putting myself in their shoes... if I were having to lock up my capital for 5 years, I'd at least want to see some cash in the meantime, or a much higher return than 8.45%.

@Denny Robert  Cool story....smart move on your tenants part though....He was probably afraid you raise it $100, so he's trying to lock in at $50 ;)

Lock it up with a $500-$1,000 EMD.  

While interest rates are through the floor I want to lock them in.

We are not locked in until later this week.

Will you be adding a lock box soon?

You could be purchasing a foreclosure in incubation if they can't pay off the balloon, or you get stuck extending and lock in that 6% yield.  

I would rather know that my assets were locked up and discourage lawsuits vice encouraging them because not only to I have a ton of assets but a great big insurance policy to target as well.