The first thing you do is anticipate what the max impact is if the interest hits the max, and prepare for that when you buy the property.Since that ship has sailed, one option is to pay down the principle, but that defeats the purpose of cash flow.You say all your loans are commercial, and they have to be for some reason. 

@Jerry Cinor CCRs means: Covenants, Conditions & Restrictions - they are the governing documents of your community that all property owners must abide by and vote to change.

I know some states, labor and shipping is not taxable.

The brick is so popular, that it is being illegally stolen from vacant buildings and shipped throughout the country for accent pieces, etc.The problem with this nice material, is that it would be insanely expensive if you tried to replicate the building exactly. 

So purchase, shipping, install ect combined

I live and work downtown and am on the board of San Diego downtown partnership, gentrification is a slow moving ship but it is happening.

(no, I am not a lawyer -  just an experienced HOA manager) @Phil Glantz is correct - if you buy in a covenant protected community then be prepared to follow the rules as written.

In the Property Disclosure -> Covenants, Fees and Assesment section, the seller marked YES to Q:Is the property subject to a recorded Declaration of Covenants, Conditions and Restrictions (CC & R"s) or other similar restrictions.No explanation notes were provided.

Eventually I am looking for mentor-ship but I understand we all have to pay our dues at the beginning.

Unless Amazon moves into the RE market, and starts stacking shipping containers, renting them to millenials as studio apts, and undercutting me on price, I'm going to be good. 3) On the other hand, if liquidity dries up nationwide, as it did in 2007-9, I suppose the worst case scenario is that my bank doesn't want to refinance a few of my 5/20 year/am term loans.