Unethical clause in mortgage loan document?

[Gedaliah Fineman]

I'm trying to close on a commerical refi cash out bridge loan with a lender when I found the following 2 questionable clauses.

I asked the lender to remove them but he insisted that it was for the purpose of making sure that I did not lease the property to a relative for cheap and then default on it.

What do you think, is this ethical?

and also

Lender is aware that this is a commerical, non-primary property for investment purposes and yet asks me to sign a lease that disallows me from renting it out?