Should I change my current loan?

[Lee Gierszewski]

Two months ago I purchased a duplex on a 20yr 4.5% business loan with a balloon payment due at the end of 5yrs or I refinance at that time. I have the opportunity to move this business loan to a private loan which is a 30yr fixed at 4.375%. Doing this would increase my monthly cash flow approximately $165/mo. Do you think it's worth it to lock in a fixed rate even if it will cost me another $3000-5000 in closing costs?