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Maybe a good idea is to refi..at a much lower rate...then take the difference in payment and buy HIgh Grade Corporate Bonds that pay a higher rate of return then the interest you are paying on the loan.

You still have your liquidity, tax write off and if housing goes to nothing in value you still have the income stream and cash...

Also go for the longer term loan...so that your payment is the lowest it can be. Then start making an extra principle payment on your own every month. That way you screw with the amortization tables, and will pay off the loan in a shorter amount of time. That way you have the best of both worlds...a low payment if needed and shorter life of loan...

This is nutz n bolts type of stuff.