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.

I might suggest that when you are all in with high end properties you want to have a very strong cash reserves to withstand market fluctuations. 

No matter about all the other factors, complications, difficulties, changes in the law structure, fluctuations with the market, and all other nuances, it's what I'm passionate about.

Get your permanent financing (or at least 10 year fixed rate) financing in line. 10 years should be more than enough to see you through fluctuations in the market.

"Nice ideal regarding Flate Rate Utilities.I'm not sure at this point how this would work in the midwest due to the fluctuation of seasons