Do I need a new bank?

[Clint Shelley]

I am in the middle of purchasing a commercial property with 2 buildings. I lease one, the other is empty. I'm buying at 120 and the appraisal came back at 158. My lender who I have a long track record with is only loaning to cost and not value. They have all of my banking. Is loan to cost and not LTV a function of the times or should I refi out if this loan later? I don't mind putting in some cash and have the 25% down but want to be rewarded for a good purchase. Thanks.

Clint