I don't think the 10% is all that restrictive. I don't see that many people who agressively pay down their mortgage. !0% a year isn't all that bad. Who pays down their mortgage 50% of the term? Who doesn't have other debt that would be better paid down. Also it's a 25 year amortization. So many people are getting 30 years.
If I used it I just wouldnt sell my place. I'd rent it out and get another place. That's some Cheap money!
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