You're going to lose your loan from what I understand.

these are construction loans 

One thing I continue to think about is how valuable 2-4 unit properties are becoming, and will continue to be, since Fannie/Freddie took the income restrictions from the 5% down conventional loan option for house hackers. 

what kind of loan?  

This was through the Veterans Affairs home loan program.

Furthermore you can vastly increase your returns through leverage using a non-recourse loan but that will definitely trigger UBIT but again the numbers can still make a lot of sense. 

we have to have pre sales my bank will only give me a certain amount of spec loans but unlimited amount of pre sales. its the only way to keep velocity when you have a larger project like us ( 90 homes) We have been blessed no questions about it.. we made some critical decisions when we started that now look like genius moves :)

You will make more from loan pay down, yes you SHOULD have some appreciation.

Often, lenders will not act until the differential between current interest rates and the interest rate on the subject loan reaches a certain point.  

A bank will not give you the $ as you have to show ability to repay the loan.