Certainly it is challenging to underwrite a loan these days. Apartment owners have some tenants not paying rent due to Covid and not able to evict until the end of January, other tenants asking for concessions, or rent reductions. While we realize this is a temporary situation, we have to take into account the cash flow presently and the cash flow in the future when the new ‘normal’ finally comes. We closed 44 loans this year, most during Covid, the real estate market remains strong. If you have a scenario, we would love to hear from you. In the meantime, Happy Holidays and let’s all look forward to a better year in 2021.