I have a multi-family loan that will qualify as CD under the affordable housing hook. The total loan request is much higher than the note amount in the file due to the existence of a CEMA. The note in the file actually represents only the gap portion. Would you agree that the mortgage(s) that are part of the CEMA would be required documentation in order to validate the total loan amount or do you think I need the notes for those mortgages as well?