Downsides of commercial financing?

[Scott Sewell]

Hello BP,
Please consider this our introduction, and thanks for this opportunity. My wife and I are novice investors and have spent the last 5 years honing our property management skills, learning all we can about investing, and repositioning an 8 unit multi-family from a D+/C- property to C+/B- with what we consider good results. Good increase in equity , good cash flow, minimal vacancy factor and management requirements.
We're looking at leveraging that equity to buy more property, but want to be smart.
The question is this: We've heard horror stories of banks calling notes out of the blue (second hand information for sure, but) or at least not willing to re-up (is this a word?) existing financing at the end of the term.
Is this something we need to plan for?
What parameters would the (existing/new) lender look for at that time?
Our (commercial - portfolio) note is amortized for 20Yrs, with adjustments every 3 (2pts. max) and a call in 12, and always paid on/ahead of time. The property is an old (by Alaska standards) legally non-conforming property and we know that this can be an issue. It seems that a well performing loan would be the banks interest to keep, but it's always good to be prepared.
Thanks in advance, we've learned as much in the last 2 months of watching BP as in the previous 4 years on our own. What a resource!