10 yr. Fixed vs. 5 yr. Adj. (20 yr. term)

[Brandon Reiter]

Which loan would you pick on a single family investment property? The property cannot be financed in the secondary market since it's situated on a large commercial lot. Not knowing what the rates will do over the next 20 years is the big question. Any help is appreciated!!

Loan A - Current Loan on Property (in Year 2)
Years 1-5: 5.25%
Years 6-10: ???
Years 11-15: ???
Years 16-20: ???

Loan B - Promotion at Local Credit Union
Years 1-10: 5.25%