Calculate your loan's breakpoint: the interest rate where cash flow stops covering debt service. Then measure your cushion above it. Fixed rates cost more but buy certainty, and whether that's worth it depends on how much room you actually have.
Do not choose between fixed and floating by comparing today's rates. Choose by finding the rate at which your building stops covering its debt. Then ask honestly how much room you have. Certainty has a price. Sometimes it is worth paying. If that gave you a clearer way to decide, like and subscribe. And tell me in the comments, are you fixed or floating right now, and how much room do you actually have? That is a conversation worth having out loud. The Refinance Navigator Checklist includes the worksheet to find your own breakpoint. Link below or scan the code.
