Question about Refi on a 30yr adjustable

[Bob Alva]

Hello everyone,  I took out my first commercial loan a few years ago for a multi-family. It's 30year amortization, but first 5 years were fixed and on the 6th year it will auto adjust to the libor rate plus 2.25%, then auto adjusts every 6 months after that until the 30yrs are up.

I am coming close to the 5th year and thinking out my options. To refi will cost me around 12k closing cost and rate will be close to 4% for another 5 years. Not sure it is worth it. 

But my biggest question is if it's worth it based on how the first few years of loans always have more interest than principal. I feel like if I refinance, I will be "resetting the clock" if that makes sense. And in the long run will wind up paying more on my loan.

Any thoughts on the above? 

thanks all