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  "notes": "Includes portfolio totals, geographic distribution via donut charts, and bulleted lists of loan characteristics.",
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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: $2.4MM; Weighted average LTV is 50%; Weighted average DCR is ~1.8x; Require primary operating accounts; ARMs adjust each 5-year period.",
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      "text": "Average loan size: $1.1MM; Average monthly rent of $1,447 vs $3,050 for the market; 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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