In the article by Zombie Offices' Spell Trouble for Some Banks" by Jeanna Smialek, what specific factors are contributing to the potential losses on commercial real estate loans, especially office loans? Mark all that apply

Question $9$ options:

Some offices are still officially occupied but have few workers, termed as "zombies," which may mask the true financial distress of these properties

Rising interest rates have reduced the value of assets, including commercial real estate, leading to potential losses for banks holding these loans $.$

A significant portion of office loans are underwater. However for the most part the properties are worth more than the debt.

Many office buildings are experiencing low occupancy rates, with some as low as $17$ percent, leading to reduced rental income and property value $.$

Banks have been quick to acknowledge the building stress and potential losses