nah, my favorite is the interest only mortgage payments:
pay little, pay FOREVER
With a pay-option ARM, you can choose a 1% interest rate, depending on the lender. That is lower than the interest only. Actually, it is referred to as a negative amortization loan because you are adding on to your principle each month.
My favorite loans are the negative amortization loans. At the end of the loan term, you actually end up owing more than you borrowed. It's just sick.