"D) If you *DO* expect to hold your home as an investment beyond a 9-10 year period, look at using your existing equity to buy down your permanent leverage to the lowest coupon available for your particular situation, at the longest amortization terms you can get."

Dave, sorry to sound ignorant but I don't follow what you mean here.

(Also, I sent you an e-mail to your company's general mailbox, let me know if you don't receive)