High MR in 4S is true, but it also drags down the price, so you end up paying less property tax. For the people with more cash, you can choose to pay off MR, which is many 4S new home buyers are currently doing. The payoff amount is not that bad, for a $5000/year MR home, the payoff amount is about $50K. I know a lot of 4S families have AMT triggered for their tax return, so MR or even property tax is not tax deductible anyway.