I recently did a calculation on monthly mortgage payment comparisons for houses 300-600k town to town based on tax rates (they fluctuate quite a bit around here).

As the libor rates haven't changed much, I doubt their interest rates would fluctuate that much. 

Or at least the real estate gives you less fluctuations.  

And I fluctuate my prices daily based on demand.

With how much my schedule fluctuates on a day to day basis, I have a hard time balancing out the two.

As stated, it's very rare to get a loan that is longer than 15 years, from any lender, and you've done well to get that much.Generally, the longer the term of the loan the higher the rate since the lender is going to build in a buffer to compensate for market fluctuations. 15 years is a long time in the commercial space.Grated, a higher rate isn't going to have a dramatic impact on a small loan so the upside to you knowing that you have a long-term fixed rate may be worth it.

Whose credit report are you going to pull - not the occupants since that could be a changing and fluctuating thing.

There was some fluctuation in utilities because the previous owner skipped on her bills and I got back dated with the balance and had to get caught up.

I realized how the equity on my house wildly fluctuated over the course of 5 years.

Her monthly rent fluctuates between $1400 to $1600/mo due to utilities.