<prompt> Human: Hello,I recently purchased my second home, sold first from a move. While doing that I had a serious debate on whether to go with the 15 or the 30 year mortgage. A little background on myself, I have recently paid off all my debts, make 128k, have a child and wife, and am 30 years old. Bought a 237k home. My initial thought was that I would do the 30 year and pay it like a 15. I remembered then that I also had that thought with my 1st mortgage, and did not follow through. I decided to go with the 15 year mortgage, at 3. I have been happy with that decision so far because I also pay a little extra each month and will have the house paid off in 14 years. That is exciting. Now, at this point I also want to start investing in real estate, mostly some rental properties. Begin building the equity empire...or whatever. The problem, it takes money to make money! Minimum 20-25 down required. I feel like had I gone with the 30 year mortgage I would have more liquid cash to utilize. This certainly isnt limited to real estate, but all investing. There will always be a debate, debt vs invest etc, etc, make the spread on debt interest rate vs investing return...etc. Basically Im just saying, think about all these things prior to buying. Think about your long term goals long and hard. Thats it. Thanks  <response>: Cash out refinance, bra. 