I did "B".
The money is invested in FDIC insured accounts for 4% (Coppermark bank)
I ended up with a 2.75% mortgage at Allegiance Credit union.
I am making money on the deal, even after taxes... and the money is always there to pay off the mortgage, in case interest rates I can safely earn drop below the 2.75% (after tax) If I were to lose my income for a while, I would also have a pretty good cushion to fall back on.
The money is invested in FDIC insured accounts for 4% (Coppermark bank)
I ended up with a 2.75% mortgage at Allegiance Credit union.
I am making money on the deal, even after taxes... and the money is always there to pay off the mortgage, in case interest rates I can safely earn drop below the 2.75% (after tax) If I were to lose my income for a while, I would also have a pretty good cushion to fall back on.