Commercial office loan- Matured, renew? Prepay indemnity etc

[Will F.]

Hi guys, I'm redoing a commercial loan for an office building in LA.  Last loan just matured we're thinking of staying with the same bank

These are the terms, options and rate:

10 year 15 year amortization

No points or major fees since we're going with same bank.

1.   5.15% for no prepay option

2.    5.7%  with prepay and prepayment penalty

What are some things I should add since we may plan on developing or in the near future reselling property? This is not definite though...

This is a low LTV, like 30-40% LTV

Is this pretty standard?  Is it good?  I'm leaning towards the 5.7% since we may develop or refi/sell in future