30yr fixed or 7/1 ARM?

[Nic S.]

Mortgage advice: would you do a 30yr fixed @ 4.5% or 7/1 ARM @ 4%?

Property 4 & 5 in portfolio with a purchase price of $155k.

Previous properties are on 30yr fixed. Lender says at my current pace, I will be at 10 properties in personal name and will need to move to a portfolio lender in next two years. Thus yielding the 7/1 ARM

more cash flow positive.

I’m a buy and hold investor and don’t like the idea of being forced to account for rate adjustments after 7 years. But if I get to 10 properties in less than 7 years it’s a mute point. What would you do?