Bank loan annual review

[Serge K]

This is regarding a small retail property I own, it is a three store building. I own this property for about over two years now.  I bought it in June 2018, the loan docs has a Section about financial statement and reporting. The section states the following:" The financial statements and other information previously provided to Bank in the future will be, complete and accurate and prepared in accordance with Applicable Accounting Standards. There has been no material adverse change in Borrower's financial condition since such information was provided to Bank." Another section the financial covenants, has a debt service coverage ratio defined. The last two reporting tax years I have sent out my tax return and the bank has pulled my credit report and that was enough. But this year I have a new POC at the bank and he has started to asked a tone of things that I think are unnecessary. This year he requested and I sent personal financial statement, which shows a growth in my wealth. I sent my tax return and they have pulled my credit report. They have sent someone for the outside inspection of the property. But now he is asking about a fluctuation on my other personal income as reported in my tax and inquires about a new address in my credit report. In your experience can he do that? He has my credit report which has no new debt and I have a average above 800 FICO. He has my tax and can compute the debt service coverage ratio. Why should he know about a new address in my credit report. How should I deal with all these inquiries? Is it a sign that they don't want my business anymore? Should I look for a different lender? Thanks in advance for your advice, sorry for the long post.

[Serge K]

Thanks, @Ronald Rohde, I may have scared them away I haven't heard from them since my complaints. I like the idea about sending them an attorney letter, if i need it I will let you know.