[fastfredracing]

I hope some of you finance gurus can give me some advice. I have an arm loan that goes adjustable in august, and wouldnt you know, the whole real estate thing goes sour. I am self employed, and do not show much income. Before you flame me, I really am not hiding income, just rather have deductions than pay taxes , it is expensive to run a buisness. I have decent credit, but I am afraid that the loan programs that I have used in the past are nearly non existant, or they have really tightened the reigns on them and I may not qualify anymore. I am prepared for the increased payments , and I surely will not loose my property over this, but I really hate to think that my mortage will go up 400-500 dollars a month over the next couple of years. The property is a mixed use, commercial /residential. ( I run my buisness out of a huge building on the property, and my parents live in the house that came with it. I am wondering if I should ride the economy out, or maybe look at some form of commercial loan, and really smack this loan out in 15 years. Any input help would be greatly appreciated. I turn bolts for a living and although I am good with money, I am trying to make smart long term decisions.