I expect it to likely occur in some asset classes in CRE, and I won't be surprised if resi sees at least some sort of a dip, but the breadth and depth of any real estate downturn is still, to a great extent, anyone's guess.Happy investing,Troy

On the other hand, if you think rates are going to go down, the yield maintenance might be too big of a risk and you would want to consider doing the step down prepayment penalty structure.I think I might right an article about this calculation in depth but I need to get motivated to do it first.

I just sent you a DM to provide a video explains those options more in depth.

@Joe SplitrockThank you so much for the in depth response.

@Tanisha Costello Google has free high level courses, but it depends how in-depth you are looking to go.

There are quite a few discussion boards here on BiggerPockets that talk about it in depth.

There was also a great in depth deal analysis posted by a Minnesota investor recently, search for "BRRR Success Story Saint Paul MN".

It is not complex in any way so you can expect that guests will be able to manipulate the temps to their liking without getting a call.

Waller it’s greatly appreciated and feel free if you have time to go more in depth.

It was a big picture view which is what I was looking for as some of the topics themselves can be in depth.