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The purpose of this book is to raise the level of awareness regarding a cohort of problem loans influencing urban vitality from 2015 to 2020. A confluence of trends are influencing urban areas, not new trends yet intersecting in new ways, including social adaptations, telework, e-commerce, right-sizing, mergers and acquisitions, as well as greater emphasis placed upon real estate efficiency. Commercial real estate has increased significantly with respect to investment valuations from recessionary low points. In spite of this, portions of our cities have reinvention in front of them, which could be rewarding for those ready to understand and seize the opportunities.