The Fed is one of the more cautious examples of regulators you can find in the federal government. Every "we're leaning toward lowering rates" that they say is followed by "on the other hand, things could go wrong."

And people wonder why Treasury yields stay higher than they expect.

What's happening with the Treasury 10-year yields — to mention one rate that has a big influence on CRE financing? While not at the 5% level it hit last fall, they have been well over 4% for much of the time since.

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