cash flow with commercial financing

[Andrew Brewer]

Hi Everyone, I am trying to wrap my head around how cashflow works with commercial financing. 

From my understanding, commercial financing is typically on a 20 yr amortization schedule and rates readjust every five years. Typically there is also a large balloon payment at some point. I haven't figured out how to accurately plan for the future considering you don't know what your rate will adjust to. 

Can anyone shed any light on how they budget/plan with commercial financing? 

I've heard that a lot a people will simply sell their buildings right before the rate adjustment and buy something new, but i'm interested in long term buy-and-hold. 

Thanks in advance!