These loans are perfect for those who are looking to maximize their tax write off while minimizing their mortgage payment. These loans have the minimum payment of only the interest portion of the loan and let the borrower pay any additional principal they see fit. These also have the minimum payment drop if there is a principal payment made on the loan. Great for commission and self employed borrowers who want to minimize their monthly liability and can pay to the principal when it is beneficial for them, i.e. receive a large commission check. This loan lets you determine the amount that goes to principal on your loan.