_minLockPeriod is used to compute the lock time for a tranche or a loan. If the ratio is set too high (e.g., 10000), tranches or loans cannot be refinanced due to failing _loanLocked() checks (src/lib/loans/MultiSourceLoan.sol#L181).
src/lib/loans/MultiSourceLoan.sol#L508
Considering adding a cap value (e.g., 10%).
