[quote=sdrealtor]along with how much cash you have lying around and what else you can do with it.[/quote]

Along those lines; one thing I’ve been considering is a 5 year fixed home equity. There’s a couple places offering ~1.99% rates.

Kill the MR in 5 years with a ~2% loan and find another use for the bulk of the cash. (Assuming there is a better use…. 🙂 )