McCary Stevens Associates, Inc. (MSA) provided institutional clients a broad range of commercial mortgage underwriting, due diligence and loan advisory services from 1993 to 2008. We were commercial bank and insurance company trained loan officers with a strong credit culture whose services helped our clients analyze, invest in, and manage their real estate loans, portfolios and CMBS (commercial mortgage backed) bonds. Since inception, MSA analyzed over $110 billion in commercial real estate assets for its clients representing approximately 7,500 separate properties in most of the U. S. markets. Our clients included some of the largest financial institutions in the country including: Wells Fargo Bank; Citigroup; ING-Clarion; CIBC; Midland Loan Services; Merrill Lynch; J.P. Morgan; RBS Greenwich Capital; Allied Capital; CIT and American Capital.