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  "documentTitle": "Flushing Financial | Results Presentation Deck | 40 slides",
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  "authorName": "Flushing Financial Corporation",
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  "presentationDate": "2024-03-01 00:00:00",
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  "notes": "Includes two donut charts showing portfolio composition by geography and bulleted lists of credit metrics for each.",
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      "kind": "callout",
      "text": "Underwrite Real Estate Loans with a Cap Rate over 6% in 4Q23 (5%+ Historically) and Stress Test Each Loan",
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      "text": "Average loan size: $2.5MM; 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: $1.2MM; Average monthly rent of $1,645 vs $3,082 for the market; Weighted average LTV is 44%; 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, 1-16-2024; LTVs are based on value at origination; Based on most recent Annual Loan Review",
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      "text": "Well-Secured Multifamily and CRE Portfolios",
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