Commercial 5 unit loan question “new guy”

[Terry Imus]

Hi All,

I working on my first 5 unit, I've done a couple single and 4 unit residential but the commercial loans are new to me. I'm wondering if I'm in a good place with a 5yr fix at 4% 75% LTV and 20yr amortization?

 From what I’ve read I need to ask what the cap rate is after 5 years?

At that 5 year mark I make a decision to accept the change or refi based on my preference?

   Thanks!