Can I use your phone? tretinoin gel microsphere .04 for wrinkles This shortfall (or equity gap) is expected for the next several years due to various challenges each source faces. For instance, CMBS has been the hottest market, but is still a fraction of what it was pre-crisis, and rising interest rates have already slowed activity. Rates are expected to continue to rise this decade. The GSEs stepped in during the 2008 liquidity crisis and have been the primary support for the multi-family sector, but their regulator has mandated a draw back in their activity, starting with a 10 percent reduction in multi-family loan volume.