Loans for Commercial Multifamily with Buy and Hold Strategy

[Jocelyn Canfield]

First time Commercial investor here. How do you deal with uncertainty of having an ARM for something you want to buy and hold long term? The idea of potentially rising/adjusting rates pricing me out of a property I own is unsettling. If I go with a fixed rate, the shorter terms make the deal impossible from a cash flow standpoint. Are there commercial lenders who do 30 year fixed? Or do you evaluate and offer on a property assuming you need positive cash flow with a 20-year amortized loan? (under ten unit under $1 million property)

Appreciate your insights.