What to we think about these two loan scen

[Michael Klinger]

Hi all,

I am doing  a few Commercial/Multi-family deal(s) simultaneously and heading down the path of bank loan(s) with a couple of regional banks.

I am being offered from the same bank several scenarios. 

Of those, the two I am considering: A 5 year fixed/arm, resets every 5 years, 25 year amort. Or a 25 year fixed for an interest rate of one percent more than the 5 year fixed/arm.

Curious on what kind of response these two options get from others and what others would consider more attractive in their own situations and why.