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      "text": "Underwriting Standards at Origination: 250-300 bps rate increase, DCR based on current rents, NOI includes expense/rate forecasts, 5%+ cap rates, annual reviews, 30-year amortization, 5-year resets.",
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      "text": "Portfolio Data Points table showing metrics like Portfolio Size ($2.7B), Average Loan Size ($1.2M), Coupon (4.81%), LTV (44%), DCR (1.8x), NPLs (0.18%), NCOs (<5 bps), Delinquency (0.18%), and Criticized Loans (26 bps).",
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      "text": "Multifamily: Conservative Underwriting Standards",
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