Quarterly NewsletterSPI MarketingQ4 2022, Pensford Financial Group, Pensford, LoanBoss, LoanBoss Inc., JP Conklin, debt management, Interest Rate Hedging, interest rate advisory, Commercial Real Estate, financial strategy, interest rate derivatives, Federal Reserve, The Fed, cap rates, CAPs, swaps in multifamily, defeasances, multifamily defeasances, multifamily lenders, multifamily borrowers, interest rate caps, SOFR, SOFR index, rate cap contract, rate cap strike, floating interest rate, multifamily floating interest rate, fixed interest rate, multifamily fixed interest rate, yield maintenance penalty, yield maintenance, interest rate cap escrows, compounding interest, Refinance, prepayment penalty, underwriting, multifamily underwriting, Fed tightening cycle, 10-Year Treasury, core PCE, annualized interest, December 14th meeting, interest rate hikes, interest rate cuts, restrictive financial conditions, capital markets, selective lending, pre-funding interest, prepaid interest expense, volatility, risk volatility premium, market stability, labor market, loan spreads