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  "documentTitle": "Flushing Financial | Results Presentation Deck | 37 slides",
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  "presentationDate": "2023-07-01 00:00:00",
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  "notes": "Comparison of two distinct portfolio segments with donut charts and bulleted performance metrics.",
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      "text": "Underwrite Real Estate Loans with a Cap Rate in Mid to High 5s and Stress Test Each Loan",
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      "text": "Average loan size: $1.1MM; Average monthly rent of $1,447 vs $3,050; Weighted average LTV is 45%; Weighted average DCR is ~1.8x; Borrowers typically do not sell; ARMs adjust each 5-year period",
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      "text": "CoStar New York Multifamily Market Report, 7-10-2023; LTVs are based on value at origination; Based on most recent Annual Loan Review",
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