Business name or Personal name?

[Richard Kelly]

Hello Bigger Pockets Family!

I would love all feedback as I have been battling with a decision that I could use other insight on.

I currently own a single family Property that I have a commercial loan on in my business name, however the rate is adjustable and it’s currently at 6.25% I know I can refinance it into my personal name with a lower rate but then it would increase my personal debt to income and be added to my credit profile which may hurt future opportunities for lending. 

I do cash flow with this current loan but I could increase this cash flow by going to a 30 year fixed rate. 

My questions is, would it be best to keep the loan as is or go for more cash flow with with a higher debt to income and additional loan on my credit profile?