Office Space Loan Crisis Troubled Loans Loan Maturities Defaults Lenders Goldman Sachs Loan Loss Rates Loan Performance Interest Rates Bankruptcy Crash Loan Defaults Office Vacancies Occupancy Rates Real Estate Transformation Residential Properties Potential Bad Loans Loans Market Conditions Financial Stability Federal Reserve Financial Crisis Apartment Buildings New York Community Bancorp Regional Banks Office Buildings Bad Loans Regulation Banks Risk Assessment Bank Failures Risk Ratings