You may want to consider an option arm. This is a loan that will give you the choice of four different payments each month.
You can pay a negative amortized payment of about 2%
or You can pay an interest only payment
or You can make a payment as if it is a 30 year fixed
or you can make a payment as if it is a 15 year fixed
Give me a call if you get a chance 954 650 5789