My dilemma of trying to refinance a commercial property

[John McKee]

I have a property where a tenant moved out that was paying high rent of $7,400 a month including NNN. However the market dictates that rent is about $6K for a new tenant. The loan rate is about to adjust to 6.9% which is more than double what it currently is, making the property in the negative for monthly cash flow. The bank is saying that I need to put more money down (which I don't have) or kick the can down the road until a higher paying tenant comes along which is not likely. What would you do?