State of commercial lending. Looking for some insight into how lending policies have changed recently.
Does anyone here work in commercial lending and can speak to some current rates and terms being offered on different types of assets? Have DSCRs gone up with rates? Alternatively does anyone know of any resources/websites regarding lending that are updated frequently?

Specific to Canada would be great but anything helps.
[{"id": "ixh8vn7", "text": "I only have anecdotal evidence and have not been in market. LTVs have fallen ~10%, underlying rates are up, spreads are up 25-30 bps.   We havent heard about the banks closing up shop like in the US, but thats peimarily due to fed balance sheet requirements.", "replies": [{"id": "ixhrgwa", "text": "Where are you located?", "replies": [], "depth": 2}], "depth": 1}, {"id": "ixhwg6y", "text": "Lending policies haven\u2019t changed materially. A 1.25x DSCR is still the most common, but rates are pushing proceeds lower as a result. \n\nCMA is good for info on securitized debt but beyond that there\u2019s not a great singular resource. You sort of have to work on the industry and just stay in the flow.", "replies": [], "depth": 1}, {"id": "ixl8n94", "text": "US here - 1.25x covenants for DSCR still, but being asked to size loans based on 1.35-1.30x. We are being told to increase spreads in 2023 overall. Likely at all banks you will see this too. Things are tightening up across the board, if your lender hasn\u2019t told you that then they either work for a small community bank or don\u2019t want you to know (and you should find a new one).", "replies": [], "depth": 1}]