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In September 2019, the Federal Housing Finance Agency (FHFA) overhauled its system of multifamily caps, simplifying its structure and setting caps for Fannie Mae and Freddie Mac of $100 billion each for the next five quarters. Two months later, Freddie Mac asked Rich Martinez to play a major role in guiding production volume, appointing him senior vice president, multifamily production and sales. Just three weeks later, patient zero, the first person diagnosed with COVID-19, fell ill. 

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