@Nick StangoThere's really no value in a 15 year mortgage if you have a choice.If your goal is to pay the place off as quickly as possible, you might as well take a longer amortization and make extra payments.

If that is the case you might consider an extra opener affixed to the wall if its close enough, then everyone pushes a button once they go in. 

That extra bit of personal space is very desirable compared to my competitors who do not have it.

I added some extra space for data to reflect that.  

We faced two issues in escrow: because of the HOA lien foreclosure we had to do some extra searching to find a title insurance company willing to issue a policy; getting a payoff was an issue until someone at escrow obtained the last four digits of the SSN and used the bank's automated system to get a payoff.The second situation was similar but this one we kept as a rental.

We had to move out of state from MI and now we are running into difficulties with insuarance companies because our primary residence is no longer insured in MI.

I thankfully have a resident who is a locksmith and I keep extra locks with my tools.  

If you want to squeeze a bit of extra money out of the deal as you should, then you need to contact your county auditors office about lowering your assessed value.

And if your tenants are paying several hundred bucks extra a year, they won't be happy and they'll bail at the end of the lease. 

Additionally, some affluent towns might have extra fee's for waste removal, parking, etc that local contractors and this city hall will know about. 75% in a nice neighborhood is a good ARV according to what I'm reading for more luxury homes.