With commercial you're probably looking at 5 year fixed, 30 amortization, then adjustable rate after 5 years.5-20 is sort of a no man's land as a resident manager is not cost effective. 

It is suppose to go into effect November 15, 2015.

But putting it into a savings account seems like a waste.  

Personally, I prefer to handle the entire tenant placement process myself for the following reasons:-nobody will care more than me-I have processes in place for all aspects of tenant placement (so I don't need to spend any time learning how to do it)-I like to meet all the prospective tenants in person (meeting in person vs. on paper or over the phone can be very important and effect your decision)Again, that is just my preference.  

Then, you could effectively get a discount on the real estate and pay no interest (to yourself). 

Home warranties are a waste of money most of the time. 

Don't waste your time. 

Effective Date: 10-06-1980 5313.02 Required provisions of land installment contracts.

I wouldn't waste my time until they have a letter of qualification from their lender. 

Professionals know to utilize others' to monetize profitably rather than waste time keeping it all. 100% of zero = $-0-