As we've seemingly adjusted to new lifestyles as a result of COVID-19, aversion to pandemic risk has also subsided. Commercial and multifamily debt financing is making a full comeback. Fannie Mae and Freddie Mac have reduced the COVID-19 reserve requirements to six months and in many instances, where the loan-to-value (LTV) ratio is lower, have removed the restrictions all together. Community banks have also begun to increase their lending guidelines, meaning borrowers are able to stretch to secure higher valued buildings.