Who is making loans in this environment? Have heard that many big banks like Wells Fargo are on the sidelines. It seems like the GSEs are lending, but with more structure, such as escrow requirements.
My bank, about $20 B in assets, is lending, but it's still somewhat unknown what we can get approved. We're requiring full recourse, lower leverage, and it will probably take some money pledged for Debt Service in the event that tenants can't pay.
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