We'd all love to see those 80% and 100% gains stay there linearly and then start to increase

from from that level but it ain't how the market works. Unfortunately, I've experienced

this myself, have been fortunate enough. Everyone's a while to buy at a great point when the

market's really down as I think Cassandra has and see some big gains but I think in the

investing game, it's more important to try to realize those long-term returns and not try to

get things perfect. I'm Mary Long and that's Botley Fool, senior analyst Aset Sharma. On today's

show, we're cracking open the mailbag and answering listener questions. If you have a question

about saving, investing or the economy, shoot us an email at podcast at fool.com. That's podcast

with an S at fool.com. We're starting off with a commercial real estate question, so we'll kick

that one over to our resident real estate expert and Botley Fool Money co-host, Dieter Wollard.

JD from Fairfax Station, Virginia writes, Hey Fools, do you think a United States commercial

real estate crash could have a similar impact on the global economy, like the subprime mortgage

crisis of 2007-2010? Well, JD, that is certainly an interesting question. There are absolutely

signs commercial real estate in a tough spot. I would say though that the impact is spread out

a little differently, so you've got a few different things going on here. First, as you know,

high interest rates, so that makes getting a new loan or refinancing really tricky and you have

that both on the residential and the commercial side. But on the commercial side, the total commercial

and multifamily borrowing and lending, that has dropped dramatically. It's expected to fall to

$504 billion down about 38% according to the Mortgage Bankers Association. Now, it is expected to

rebound last year, but next year, but you've got this kind of stalled out market right now,

global investment in CRE down for at least this year, probably next year too. So at the same time,

you've also got a lot of big cities that have dramatically reduced office occupancy rates. You've

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