It all depends on what you are comfortable with. Again, I have a 30 year mortgage and invest the rest. I agree that if you don't invest, or don't get the return, then it is not worth the risk. However, I am comfortable with that risk as I know I am consciense enough to invest the difference (that is probably why I visit sites like this). As well, I will accept the consequences if the money that I could have put down does not get the returns I expect. Likewise, I will enjoy the consequences if it does get the expected returns. The answer to teh question is, are you comfortable with the risk? If you say yes, then go with the 30. If not, go with something less. The only wrong answer is to go with something that is out of your reach.
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