I was primarily dealing with the owner of the company and had her sign a lease which states that rent would not be returned in the event of tenant default or other lease violation.

There may be additional hoops to jump through or you may need to "review them for mortgage retention options if they defaulted.

This gives you a better equity position earlier in the agreement if you default on the loan.

What's more - that POA is there EVEN IF you are not in default on the loan.2.

Now if the loan is made as a commercial loan and its a non-recourse loan, meaning you don't have any personal responsibility to pay it back if your corporation should default, then that doesn't need to be disclosed.

Tamping down risk could limit their defaults and produce bigger profits, which in turn could help them appeal to potential investors.

It is a good thing that student loans are permanent debt, because without that protection, banks would need to double or triple interest rate to account for default.

Obviously putting more down increases the cash flow by default, but what I'm wondering is if anybody has done or routinely does deals where they put down 25%, and still manage to get 12% CoCr?

But be careful making any demands unless the note is due or in default because your only remedy would be to go to civil court. 

That being said if it is a good enough deal and you can pay cash for the property most states have rules that state that if the party in default redeems the property they are required to repay the purchaser the purchase price plus interest, but that usually only applies to the original purchase price at auction.