5 Year Fixed Rate on Commercial Loan; Defaults if Rates Go Up?

[Jake Brown]

Hi all, I've been a bit nervous recently since I am closing on a 6 unit multifamily deal which has a 5 year fixed rate of 4.75%. Furthermore, future rate increases are capped to a certain percentage.

As rates are going up over this period, will my commercial lender try as hard as they can to put me in default, so they can exit the loan? Or do they typically stay honest (even though the market rate might be much higher than the current fixed rate)? 

Just want to make sure I won't be forced to sell or payoff this loan. I have no intention of defaulting of course, but the docs give them a lot of power - e.g. if they believe themselves to be insecure, they can call a default.

Thank you!