Details: purchase of 400,000 - 420,000. Good credit, pre-qualified for 400,000 now (which is what we asked for) with 5% down - however, getting married in a week, moving, etc, so would prefer not to spend $20,000 now. One Ph.D. graduating with offer letter in hand, other Ph.D. with existing position. Have collateral (paid off rental home worth 40,000) as well as income from 3 other rental properties. More than happy to do 15 year.