And commercial loans are NOT like your home mortgage. One you got your home loan, the bank no longer cares (or even can care) about the value of the house, only if you’re not actively destroying the property and maintaining insurance and paying on time.

Commercial loans are often shorter duration and roll over and highly tied to the valuation of the property or properties, and often have clauses allowing them to call the loan if valuation dips too much (think: margin call).