Traditional lenders are often limited by two crucial pieces of documentation that provide guidance for their commercial real estate lending opportunities. The first, a paper released by the Federal Reserve that details lending guidance for banks, was issued back in 2006. The second was introduced more recently in 2015 and was in direct response to the credit crisis. This Basel III rule requires banks who underwrite high-volatility commercial real estate (HVCRE) loans to hold 150 percent of its capital. HVCRE loans are considered to be those are family residential properties, commercial projects where the loan-to-value (LTV) ratio is higher and other challenging developments.