He’s getting 10% interest and gross income/mortgage payment ratio is very high + he’s getting cash flow sweeps every year so that the total loan amount is repaid in 3-4 years.

There are a few things you can do and know on the front end to help prepare. 1)Know how to read your loan documents. 2)Know the differences between Cash Trap, Cash Management, and Cash Sweep. 3)Know what a Trigger Event is, and if you have one written into your loan agreement. 4)Know how to efficiently request reserve disbursements.5)Make sure your lender is never holding more than they need to in escrow. 6)Have a system set up to monitor your lender and their obligations, in addition to your own.7)Know how to recognize and monitor risks based on how your loan agreement was written.8)Know when you need to hire an attorney, and when you don’t. 9)Know the difference between Property Management and Asset Management.Already experiencing some of these issues on a Loan?

Usually, when you get under the 1.25 DCR, the lender would do cash flow sweeps to cover the loan. 

@Jay Hinrichs I love going to range except when novices next to me sweep their barrels sideways

I hired a chimney sweep company to clear a blocked gas furnace vent and replace a faulty vent cap on the roof at one of my single family rentals.

Account Closed Each lender is different so I can't provide you a sweeping generalization.

It also reinforced my thoughts that a clean sweep sale and a 1031 into better performance would be a good plan. 

She would sweep while my young son would pick up trash.

Just consider how much you want to rely on advice from people making sweeping generalizations. 

@Michinori Kaneko You have been making sweeping generalizations, but a multi-family having lower quality tenants is really laughable.