Bank financing is beginning a slow return to the commercial real estate market as healthy financial institutions resolve existing credit issues and �right size� their balance sheets. Banks that have worked through their credit issues will re-enter the construction financing market when demand for space demonstrates a renewed need for construction. Those looking for financing will find underwriting standards that reflect banks� lower-risk tolerances. Developers will need to adjust return expectations in response to new underwriting requirements. Healthy banks initiated proactive loan-loss reserves beginning in early 2009. This, in addition to high levels of real estate exposure, created capital issues