Help with choosing the right mortgage loan

[Anthu Tam]

For 30 years I am getting around 4.5 (P+I)  with a return of +$300/month

For 15 years I am getting around 4 %( P+I) with a return of +$50/month

For 10 years I am getting around 4% (P +I) with a return of -$219/month

I was planning to go with 15/10 years so I can make some money after the 10th or 15th year. Not sure if this a correct approach though.