<?xml version="1.0" encoding="US-ASCII"?>
<!-- Generated by CompSci Transform (tm) - http://www.compsciresources.com -->
<!-- Created: Tue Aug 09 01:16:38 UTC 2022 -->
<xs:schema elementFormDefault="qualified" xmlns:srt-types="http://fasb.org/srt-types/2022" xmlns:refi="http://chicagoatlanticcredit.com/20220630" targetNamespace="http://chicagoatlanticcredit.com/20220630" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:us-types="http://fasb.org/us-types/2022" xmlns:xs="http://www.w3.org/2001/XMLSchema" xmlns:xbrldt="http://xbrl.org/2005/xbrldt" xmlns:dtr="http://www.xbrl.org/dtr/type/2020-01-21" xmlns:xbrli="http://www.xbrl.org/2003/instance">
  <xs:annotation>
    <xs:appinfo>
      <link:linkbaseRef xlink:type="simple" xlink:href="refi-20220630_lab.xml" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef"/>
      <link:linkbaseRef xlink:type="simple" xlink:href="refi-20220630_pre.xml" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:role="http://www.xbrl.org/2003/role/presentationLinkbaseRef"/>
      <link:linkbaseRef xlink:type="simple" xlink:href="refi-20220630_def.xml" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:role="http://www.xbrl.org/2003/role/definitionLinkbaseRef"/>
      <link:linkbaseRef xlink:type="simple" xlink:href="refi-20220630_cal.xml" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:role="http://www.xbrl.org/2003/role/calculationLinkbaseRef"/>
      <link:roleType roleURI="http://chicagoatlanticcredit.com/role/ConsolidatedBalanceSheet" id="refi_r_ConsolidatedBalanceSheet">
        <link:definition>001 - Statement - Consolidated Balance Sheets</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://chicagoatlanticcredit.com/role/ConsolidatedBalanceSheet_Parentheticals" id="refi_r_ConsolidatedBalanceSheet_Parentheticals">
        <link:definition>002 - Statement - Consolidated Balance Sheets (Parentheticals)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://chicagoatlanticcredit.com/role/ConsolidatedIncomeStatement" id="refi_r_ConsolidatedIncomeStatement">
        <link:definition>003 - Statement - Consolidated Statements of Income (Unaudited)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://chicagoatlanticcredit.com/role/ShareholdersEquityType2or3" id="refi_r_ShareholdersEquityType2or3">
        <link:definition>004 - Statement - Consolidated Statements of Equity (Unaudited)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://chicagoatlanticcredit.com/role/ConsolidatedCashFlow" id="refi_r_ConsolidatedCashFlow">
        <link:definition>005 - Statement - Consolidated Statements of Cash Flows (Unaudited)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://chicagoatlanticcredit.com/role/OrganizationandDescriptionofBusiness" id="refi_r_OrganizationandDescriptionofBusiness">
        <link:definition>006 - Disclosure - Organization and Description of Business</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://chicagoatlanticcredit.com/role/SummaryofSignificantAccountingPolicies" id="refi_r_SummaryofSignificantAccountingPolicies">
        <link:definition>007 - Disclosure - Summary of Significant Accounting Policies</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://chicagoatlanticcredit.com/role/LoansHeldForInvestmentNet" id="refi_r_LoansHeldForInvestmentNet">
        <link:definition>008 - Disclosure - Loans Held For Investment, Net</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://chicagoatlanticcredit.com/role/InterestReceivable" id="refi_r_InterestReceivable">
        <link:definition>009 - Disclosure - Interest Receivable</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://chicagoatlanticcredit.com/role/InterestReserve" id="refi_r_InterestReserve">
        <link:definition>010 - Disclosure - Interest Reserve</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://chicagoatlanticcredit.com/role/Debt" id="refi_r_Debt">
        <link:definition>011 - Disclosure - Debt</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://chicagoatlanticcredit.com/role/RelatedPartyTransactions" id="refi_r_RelatedPartyTransactions">
        <link:definition>012 - Disclosure - Related Party Transactions</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://chicagoatlanticcredit.com/role/CommitmentsandContingencies" id="refi_r_CommitmentsandContingencies">
        <link:definition>013 - Disclosure - Commitments and Contingencies</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://chicagoatlanticcredit.com/role/StockholdersEquity" id="refi_r_StockholdersEquity">
        <link:definition>014 - Disclosure - Stockholders' Equity</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://chicagoatlanticcredit.com/role/EarningsPerShare" id="refi_r_EarningsPerShare">
        <link:definition>015 - Disclosure - Earnings Per Share</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://chicagoatlanticcredit.com/role/IncomeTax" id="refi_r_IncomeTax">
        <link:definition>016 - Disclosure - Income Tax</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://chicagoatlanticcredit.com/role/DividendsandDistributions" id="refi_r_DividendsandDistributions">
        <link:definition>017 - Disclosure - Dividends and Distributions</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://chicagoatlanticcredit.com/role/SubsequentEvents" id="refi_r_SubsequentEvents">
        <link:definition>018 - Disclosure - Subsequent Events</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://chicagoatlanticcredit.com/role/AccountingPoliciesByPolicy" id="refi_r_AccountingPoliciesByPolicy">
        <link:definition>019 - Disclosure - Accounting Policies, by Policy (Policies)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://chicagoatlanticcredit.com/role/LoansHeldForInvestmentNetTables" id="refi_r_LoansHeldForInvestmentNetTables">
        <link:definition>020 - Disclosure - Loans Held For Investment, Net (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://chicagoatlanticcredit.com/role/InterestReceivableTables" id="refi_r_InterestReceivableTables">
        <link:definition>021 - Disclosure - Interest Receivable (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://chicagoatlanticcredit.com/role/InterestReserveTables" id="refi_r_InterestReserveTables">
        <link:definition>022 - Disclosure - Interest Reserve (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://chicagoatlanticcredit.com/role/DebtTables" id="refi_r_DebtTables">
        <link:definition>023 - Disclosure - Debt (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://chicagoatlanticcredit.com/role/RelatedPartyTransactionsTables" id="refi_r_RelatedPartyTransactionsTables">
        <link:definition>024 - Disclosure - Related Party Transactions (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://chicagoatlanticcredit.com/role/CommitmentsandContingenciesTables" id="refi_r_CommitmentsandContingenciesTables">
        <link:definition>025 - Disclosure - Commitments and Contingencies (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://chicagoatlanticcredit.com/role/StockholdersEquityTables" id="refi_r_StockholdersEquityTables">
        <link:definition>026 - Disclosure - Stockholders' Equity (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://chicagoatlanticcredit.com/role/EarningsPerShareTables" id="refi_r_EarningsPerShareTables">
        <link:definition>027 - Disclosure - Earnings Per Share (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://chicagoatlanticcredit.com/role/DividendsandDistributionsTables" id="refi_r_DividendsandDistributionsTables">
        <link:definition>028 - Disclosure - Dividends and Distributions (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://chicagoatlanticcredit.com/role/LoansHeldForInvestmentNetDetails" id="refi_r_LoansHeldForInvestmentNetDetails">
        <link:definition>029 - Disclosure - Loans Held For Investment, Net (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://chicagoatlanticcredit.com/role/ScheduleofloansheldforinvestmentTable" id="refi_r_ScheduleofloansheldforinvestmentTable">
        <link:definition>030 - Disclosure - Loans Held For Investment, Net (Details) - Schedule of loans held for investment</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://chicagoatlanticcredit.com/role/ScheduleofchangesinloansheldatcarryingvalueTable" id="refi_r_ScheduleofchangesinloansheldatcarryingvalueTable">
        <link:definition>031 - Disclosure - Loans Held For Investment, Net (Details) - Schedule of changes in loans held at carrying value</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://chicagoatlanticcredit.com/role/ScheduleofloansheldatcarryingvalueportfoliobasedoninformationTable" id="refi_r_ScheduleofloansheldatcarryingvalueportfoliobasedoninformationTable">
        <link:definition>032 - Disclosure - Loans Held For Investment, Net (Details) - Schedule of loans held at carrying value portfolio based on information</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://chicagoatlanticcredit.com/role/ScheduleofriskratingTable" id="refi_r_ScheduleofriskratingTable">
        <link:definition>033 - Disclosure - Loans Held For Investment, Net (Details) - Schedule of risk rating</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://chicagoatlanticcredit.com/role/ScheduleofcarryingvalueofloansheldforinvestmentTable" id="refi_r_ScheduleofcarryingvalueofloansheldforinvestmentTable">
        <link:definition>034 - Disclosure - Loans Held For Investment, Net (Details) - Schedule of carrying value of loans held for investment</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://chicagoatlanticcredit.com/role/ScheduleofrealestatecollateralcoverageTable" id="refi_r_ScheduleofrealestatecollateralcoverageTable">
        <link:definition>035 - Disclosure - Loans Held For Investment, Net (Details) - Schedule of real estate collateral coverage</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://chicagoatlanticcredit.com/role/ScheduleofactivityrelatedtotheCECLReserveforoutstandingbalancesTable" id="refi_r_ScheduleofactivityrelatedtotheCECLReserveforoutstandingbalancesTable">
        <link:definition>036 - Disclosure - Loans Held For Investment, Net (Details) - Schedule of activity related to the CECL Reserve for outstanding balances</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://chicagoatlanticcredit.com/role/ScheduleofProvisionforcurrentexpectedcreditlossesTable" id="refi_r_ScheduleofProvisionforcurrentexpectedcreditlossesTable">
        <link:definition>037 - Disclosure - Loans Held For Investment, Net (Details) - Schedule of Provision for current expected credit losses</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://chicagoatlanticcredit.com/role/ScheduleofsummarizestheinterestreceivableTable" id="refi_r_ScheduleofsummarizestheinterestreceivableTable">
        <link:definition>038 - Disclosure - Interest Receivable (Details) - Schedule of summarizes the interest receivable</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://chicagoatlanticcredit.com/role/ScheduleofchangesininterestreservesTable" id="refi_r_ScheduleofchangesininterestreservesTable">
        <link:definition>039 - Disclosure - Interest Reserve (Details) - Schedule of changes in interest reserves</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://chicagoatlanticcredit.com/role/DebtDetails" id="refi_r_DebtDetails">
        <link:definition>040 - Disclosure - Debt (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://chicagoatlanticcredit.com/role/ScheduleofinterestexpenseincurredduringthethreeandsixmonthsTable" id="refi_r_ScheduleofinterestexpenseincurredduringthethreeandsixmonthsTable">
        <link:definition>041 - Disclosure - Debt (Details) - Schedule of interest expense incurred during the three and six months</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://chicagoatlanticcredit.com/role/RelatedPartyTransactionsDetails" id="refi_r_RelatedPartyTransactionsDetails">
        <link:definition>042 - Disclosure - Related Party Transactions (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://chicagoatlanticcredit.com/role/ScheduleofrelatedpartycostsandamountspayabletothemanagerTable" id="refi_r_ScheduleofrelatedpartycostsandamountspayabletothemanagerTable">
        <link:definition>043 - Disclosure - Related Party Transactions (Details) - Schedule of related party costs and amounts payable to the manager</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
<!-- [WMV5][XcpuxYn59dz7vgYynUDuwG7r97K2jUTysl7vcz0lJt/tSeJz73kx1cLt0ZFF2SK/vxBCY0vdSraVoisCNTuBoGf3agoTpKHVQjE/lVaYHdgHe/ZiJKat1rw5U284b5o13PtA/anmSz3TVDRxsJtT9zXyclLAyaHQDf1dpkuUFkc6vzoxLUlzZ2xSAw4BsWmKKxYoyjbkJ+NTS3LKKq3ja1lCDL1Q5b2d2XSmYA1+oWYnxh1QGEbDSMWhC/JYWmZ9cNCkymUGMh+y/zqD5DICSNqKt0Co/rIwrzNNpocFzXTyGZhWeO2dbsAfzxVzBxXW/+WVrsWtqyJptCQ1m+m5ww==] CSR-->
      <link:roleType roleURI="http://chicagoatlanticcredit.com/role/ScheduleofcommitmentstofundvariousexistingloansTable" id="refi_r_ScheduleofcommitmentstofundvariousexistingloansTable">
        <link:definition>044 - Disclosure - Commitments and Contingencies (Details) - Schedule of commitments to fund various existing loans</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://chicagoatlanticcredit.com/role/StockholdersEquityDetails" id="refi_r_StockholdersEquityDetails">
        <link:definition>045 - Disclosure - Stockholders' Equity (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://chicagoatlanticcredit.com/role/ScheduleofrestrictedstockactivityTable" id="refi_r_ScheduleofrestrictedstockactivityTable">
        <link:definition>046 - Disclosure - Stockholders' Equity (Details) - Schedule of restricted stock activity</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://chicagoatlanticcredit.com/role/ScheduleofbasicearningspercommonshareTable" id="refi_r_ScheduleofbasicearningspercommonshareTable">
        <link:definition>047 - Disclosure - Earnings Per Share (Details) - Schedule of basic earnings per common share</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://chicagoatlanticcredit.com/role/IncomeTaxDetails" id="refi_r_IncomeTaxDetails">
        <link:definition>048 - Disclosure - Income Tax (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://chicagoatlanticcredit.com/role/ScheduleofdividendsdeclaredTable" id="refi_r_ScheduleofdividendsdeclaredTable">
        <link:definition>049 - Disclosure - Dividends and Distributions (Details) - Schedule of dividends declared</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://chicagoatlanticcredit.com/role/SubsequentEventsDetails" id="refi_r_SubsequentEventsDetails">
        <link:definition>050 - Disclosure - Subsequent Events (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://chicagoatlanticcredit.com/role/DocumentAndEntityInformation" id="DocumentAndEntityInformation">
        <link:definition>000 - Document - Document And Entity Information</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
    </xs:appinfo>
  </xs:annotation>
  <xs:import namespace="http://www.xbrl.org/2003/instance" schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd"/>
  <xs:import namespace="http://www.xbrl.org/2003/linkbase" schemaLocation="http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd"/>
  <xs:import namespace="http://fasb.org/us-types/2022" schemaLocation="https://xbrl.fasb.org/us-gaap/2022/elts/us-types-2022.xsd"/>
  <xs:import namespace="http://www.xbrl.org/dtr/type/2020-01-21" schemaLocation="https://www.xbrl.org/dtr/type/2020-01-21/types.xsd"/>
  <xs:import namespace="http://xbrl.org/2005/xbrldt" schemaLocation="http://www.xbrl.org/2005/xbrldt-2005.xsd"/>
  <xs:import namespace="http://fasb.org/srt-types/2022" schemaLocation="https://xbrl.fasb.org/srt/2022/elts/srt-types-2022.xsd"/>
  <xs:import namespace="http://xbrl.sec.gov/sic/2022" schemaLocation="https://xbrl.sec.gov/sic/2022/sic-2022.xsd"/>
  <xs:element name="LoansHeldForInvestmentNetAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_LoansHeldForInvestmentNetAbstract"/>
  <xs:element name="ScheduleOfLoansHeldForInvestmentAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_ScheduleOfLoansHeldForInvestmentAbstract"/>
  <xs:element name="ScheduleOfChangesInLoansHeldAtCarryingValueAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_ScheduleOfChangesInLoansHeldAtCarryingValueAbstract"/>
  <xs:element name="ScheduleOfLoansHeldAtCarryingValuePortfolioBasedOnInformationAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_ScheduleOfLoansHeldAtCarryingValuePortfolioBasedOnInformationAbstract"/>
  <xs:element name="ScheduleOfRiskRatingAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_ScheduleOfRiskRatingAbstract"/>
  <xs:element name="ScheduleOfCarryingValueOfLoansHeldForInvestmentAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_ScheduleOfCarryingValueOfLoansHeldForInvestmentAbstract"/>
  <xs:element name="ScheduleOfRealEstateCollateralCoverageAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_ScheduleOfRealEstateCollateralCoverageAbstract"/>
  <xs:element name="ScheduleOfActivityRelatedToTheCeclReserveForOutstandingBalancesAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_ScheduleOfActivityRelatedToTheCeclReserveForOutstandingBalancesAbstract"/>
  <xs:element name="ScheduleOfProvisionForCurrentExpectedCreditLossesAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_ScheduleOfProvisionForCurrentExpectedCreditLossesAbstract"/>
  <xs:element name="InterestReceivableAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_InterestReceivableAbstract"/>
  <xs:element name="ScheduleOfSummarizesTheInterestReceivableAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_ScheduleOfSummarizesTheInterestReceivableAbstract"/>
  <xs:element name="ScheduleOfChangesInInterestReservesAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_ScheduleOfChangesInInterestReservesAbstract"/>
  <xs:element name="ScheduleOfInterestExpenseIncurredDuringTheThreeAndSixMonthsAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_ScheduleOfInterestExpenseIncurredDuringTheThreeAndSixMonthsAbstract"/>
  <xs:element name="ScheduleOfRelatedPartyCostsAndAmountsPayableToTheManagerAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_ScheduleOfRelatedPartyCostsAndAmountsPayableToTheManagerAbstract"/>
  <xs:element name="ScheduleOfCommitmentsToFundVariousExistingLoansAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_ScheduleOfCommitmentsToFundVariousExistingLoansAbstract"/>
  <xs:element name="ScheduleOfRestrictedStockActivityAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_ScheduleOfRestrictedStockActivityAbstract"/>
  <xs:element name="ScheduleOfBasicEarningsPerCommonShareAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_ScheduleOfBasicEarningsPerCommonShareAbstract"/>
  <xs:element name="DividendsAndDistributionsAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_DividendsAndDistributionsAbstract"/>
  <xs:element name="ScheduleOfDividendsDeclaredAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_ScheduleOfDividendsDeclaredAbstract"/>
  <xs:element name="UnlabeledAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_UnlabeledAbstract"/>
  <xs:element name="UnlabeledAbstract0" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_UnlabeledAbstract0"/>
  <xs:element name="UnlabeledAbstract00" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_UnlabeledAbstract00"/>
  <xs:element name="UnlabeledAbstract000" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_UnlabeledAbstract000"/>
  <xs:element name="UnlabeledAbstract0000" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_UnlabeledAbstract0000"/>
  <xs:element name="UnlabeledAbstract00000" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_UnlabeledAbstract00000"/>
  <xs:element name="UnlabeledAbstract000000" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_UnlabeledAbstract000000"/>
  <xs:element name="UnlabeledAbstract0000000" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_UnlabeledAbstract0000000"/>
  <xs:element name="UnlabeledAbstract00000000" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_UnlabeledAbstract00000000"/>
  <xs:element name="UnlabeledAbstract000000000" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_UnlabeledAbstract000000000"/>
  <xs:element name="UnlabeledAbstract0000000000" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_UnlabeledAbstract0000000000"/>
  <xs:element name="UnlabeledAbstract00000000000" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_UnlabeledAbstract00000000000"/>
  <xs:element name="UnlabeledAbstract000000000000" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_UnlabeledAbstract000000000000"/>
  <xs:element name="UnlabeledAbstract0000000000000" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_UnlabeledAbstract0000000000000"/>
  <xs:element name="UnlabeledAbstract00000000000000" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_UnlabeledAbstract00000000000000"/>
  <xs:element name="SupplementalInformationAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_SupplementalInformationAbstract"/>
  <xs:element name="UnlabeledAbstract000000000000000" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_UnlabeledAbstract000000000000000"/>
  <xs:element name="AffiliatePaymentsAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_AffiliatePaymentsAbstract"/>
  <xs:element name="DividedByAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_DividedByAbstract"/>
  <xs:element name="LoansHeldForInvestment" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="refi_LoansHeldForInvestment"/>
  <xs:element name="CurrentExpectedCreditLossReserve" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="refi_CurrentExpectedCreditLossReserve"/>
  <xs:element name="InterestReserve" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="refi_InterestReserve"/>
  <xs:element name="InvestmentPayable" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="refi_InvestmentPayable"/>
  <xs:element name="PayableForInvestmentPurchased" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="refi_PayableForInvestmentPurchased"/>
  <xs:element name="ProvisionForCurrentExpectedCreditLosses" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="refi_ProvisionForCurrentExpectedCreditLosses"/>
  <xs:element name="OrganizationalExpense" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="refi_OrganizationalExpense"/>
  <xs:element name="IncreaseDecreaseInInterestReserve" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="refi_IncreaseDecreaseInInterestReserve"/>
  <xs:element name="IssuanceOfAndFundingsOfLoans" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="refi_IssuanceOfAndFundingsOfLoans"/>
  <xs:element name="ProceedsFromRepaymentOfLoanToPurchaseCommonStock" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="refi_ProceedsFromRepaymentOfLoanToPurchaseCommonStock"/>
  <xs:element name="InterestReserveWithheldFromFundingOfLoan" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="refi_InterestReserveWithheldFromFundingOfLoan"/>
  <xs:element name="OIDWithheldfromFundingOfLoans" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="refi_OIDWithheldfromFundingOfLoans"/>
  <xs:element name="LoansHeldForInvestmentNetTextBlock" type="dtr:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_LoansHeldForInvestmentNetTextBlock"/>
  <xs:element name="InterestReceivableTextBlock" type="dtr:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_InterestReceivableTextBlock"/>
  <xs:element name="InterestReserveTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="refi_InterestReserveTable"/>
  <xs:element name="InterestReserveLineItems" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_InterestReserveLineItems"/>
  <xs:element name="DividendsAndDistributionsTextBlock" type="dtr:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_DividendsAndDistributionsTextBlock"/>
  <xs:element name="ScheduleOfLoansHeldForInvestmentTableTextBlock" type="dtr:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_ScheduleOfLoansHeldForInvestmentTableTextBlock"/>
  <xs:element name="ScheduleOfRiskRatingTableTextBlock" type="dtr:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_ScheduleOfRiskRatingTableTextBlock"/>
  <xs:element name="ScheduleOfRealEstateCollateralCoverageTableTextBlock" type="dtr:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_ScheduleOfRealEstateCollateralCoverageTableTextBlock"/>
  <xs:element name="ScheduleOfProvisionForCurrentExpectedCreditLossesTableTextBlock" type="dtr:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_ScheduleOfProvisionForCurrentExpectedCreditLossesTableTextBlock"/>
  <xs:element name="ScheduleOfChangesInInterestReservesTableTextBlock" type="dtr:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_ScheduleOfChangesInInterestReservesTableTextBlock"/>
  <xs:element name="ScheduleOfAffiliatePaymentsTableTextBlock" type="dtr:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_ScheduleOfAffiliatePaymentsTableTextBlock"/>
  <xs:element name="ScheduleOfCommitmentsToFundVariousExistingLoansTableTextBlock" type="dtr:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_ScheduleOfCommitmentsToFundVariousExistingLoansTableTextBlock"/>
  <xs:element name="LoansHeldForInvestmentNetDetailsScheduleofloansheldforinvestmentTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="refi_LoansHeldForInvestmentNetDetailsScheduleofloansheldforinvestmentTable"/>
  <xs:element name="LoansHeldForInvestmentNetDetailsScheduleofloansheldforinvestmentLineItems" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_LoansHeldForInvestmentNetDetailsScheduleofloansheldforinvestmentLineItems"/>
  <xs:element name="TotalLoansHeldAtCarryingValueOriginalIssueDiscount" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="refi_TotalLoansHeldAtCarryingValueOriginalIssueDiscount"/>
  <xs:element name="TotalLoansHeldAtCarryingValueCarryingValue" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="refi_TotalLoansHeldAtCarryingValueCarryingValue"/>
  <xs:element name="TotalLoansHeldAtCarryingValueWeightedAverageRemainingLifeYears" type="xbrli:durationItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_TotalLoansHeldAtCarryingValueWeightedAverageRemainingLifeYears"/>
  <xs:element name="OriginalIssueDiscountLoans" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="refi_OriginalIssueDiscountLoans"/>
  <xs:element name="lLoansContributed" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="refi_lLoansContributed"/>
  <xs:element name="OriginalIssueDiscountLoansContributed" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="refi_OriginalIssueDiscountLoansContributed"/>
  <xs:element name="AllowanceForCreditLossesLoansContributed" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="refi_AllowanceForCreditLossesLoansContributed"/>
  <xs:element name="CarryingValueLoansContributed" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="refi_CarryingValueLoansContributed"/>
  <xs:element name="PrincipalNewFundings" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="refi_PrincipalNewFundings"/>
  <xs:element name="OriginalIssueDiscountNewFundings" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="refi_OriginalIssueDiscountNewFundings"/>
  <xs:element name="AllowanceForCreditLossesNewFundings" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="refi_AllowanceForCreditLossesNewFundings"/>
  <xs:element name="CarryingValueNewFundings" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="refi_CarryingValueNewFundings"/>
  <xs:element name="OriginalIssueDiscountPrincipalRepaymentOfLoans" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="refi_OriginalIssueDiscountPrincipalRepaymentOfLoans"/>
  <xs:element name="AllowanceForCreditLossesPrincipalRepaymentOfLoans" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="refi_AllowanceForCreditLossesPrincipalRepaymentOfLoans"/>
  <xs:element name="CarryingValuePrincipalRepaymentOfLoans" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="refi_CarryingValuePrincipalRepaymentOfLoans"/>
  <xs:element name="AccretionOfOriginalIssueDiscount" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="refi_AccretionOfOriginalIssueDiscount"/>
  <xs:element name="AllowanceForCreditLossesAccretionOfOriginalIssueDiscount" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="refi_AllowanceForCreditLossesAccretionOfOriginalIssueDiscount"/>
  <xs:element name="CarryingValueAccretionOfOriginalIssueDiscount" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="refi_CarryingValueAccretionOfOriginalIssueDiscount"/>
  <xs:element name="PrincipalSaleOfLoans" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="refi_PrincipalSaleOfLoans"/>
  <xs:element name="OriginalIssueDiscountSaleOfLoans" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="refi_OriginalIssueDiscountSaleOfLoans"/>
  <xs:element name="AllowanceForCreditLossesSaleOfLoans" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="refi_AllowanceForCreditLossesSaleOfLoans"/>
  <xs:element name="CarryingValueSaleOfLoans" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="refi_CarryingValueSaleOfLoans"/>
  <xs:element name="PrincipalPIKInterest" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="refi_PrincipalPIKInterest"/>
  <xs:element name="OriginalIssueDiscountPIKInterest" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="refi_OriginalIssueDiscountPIKInterest"/>
  <xs:element name="AllowanceForCreditLossesPIKInterest" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="refi_AllowanceForCreditLossesPIKInterest"/>
  <xs:element name="CarryingValuePIKInterest" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="refi_CarryingValuePIKInterest"/>
  <xs:element name="OriginalIssueDiscountProvisionForCreditLosses" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="refi_OriginalIssueDiscountProvisionForCreditLosses"/>
  <xs:element name="AllowanceForCreditLossesProvisionForCreditLosses" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="refi_AllowanceForCreditLossesProvisionForCreditLosses"/>
  <xs:element name="CarryingValueProvisionForCreditLosses" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="refi_CarryingValueProvisionForCreditLosses"/>
  <xs:element name="LoansHeldForInvestmentNetDetailsScheduleofloansheldatcarryingvalueportfoliobasedoninformationTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="refi_LoansHeldForInvestmentNetDetailsScheduleofloansheldatcarryingvalueportfoliobasedoninformationTable"/>
  <xs:element name="LoansHeldForInvestmentNetDetailsScheduleofloansheldatcarryingvalueportfoliobasedoninformationLineItems" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_LoansHeldForInvestmentNetDetailsScheduleofloansheldatcarryingvalueportfoliobasedoninformationLineItems"/>
  <xs:element name="Location" type="xbrli:stringItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_Location"/>
  <xs:element name="OutstandingPrincipal" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="refi_OutstandingPrincipal"/>
  <xs:element name="OriginalIssuePremiumDiscount" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="refi_OriginalIssuePremiumDiscount"/>
  <xs:element name="DebtInstrumentCarryingValue" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="refi_DebtInstrumentCarryingValue"/>
  <xs:element name="SaleOfLoansHeldForInvestmentMaturityDate" type="xbrli:stringItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_SaleOfLoansHeldForInvestmentMaturityDate"/>
  <xs:element name="InitialFundingDate" type="xbrli:stringItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_InitialFundingDate"/>
  <xs:element name="LoansHeldForInvestmentNetDetailsScheduleofriskratingTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="refi_LoansHeldForInvestmentNetDetailsScheduleofriskratingTable"/>
  <xs:element name="LoansHeldForInvestmentNetDetailsScheduleofriskratingLineItems" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_LoansHeldForInvestmentNetDetailsScheduleofriskratingLineItems"/>
  <xs:element name="RiskRatingDefinition" type="xbrli:stringItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_RiskRatingDefinition"/>
  <xs:element name="InformationByCategoryOfDebtSecurityDomain" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_InformationByCategoryOfDebtSecurityDomain"/>
  <xs:element name="RiskRatingOne" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="refi_RiskRatingOne"/>
  <xs:element name="RiskRatingTwo" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="refi_RiskRatingTwo"/>
  <xs:element name="RiskRatingThree" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="refi_RiskRatingThree"/>
  <xs:element name="RiskRatingFour" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" nillable="true" substitutionGroup="xbrli:item" id="refi_RiskRatingFour"/>
  <xs:element name="RiskRatingFive" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="refi_RiskRatingFive"/>
  <xs:element name="RiskRating" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="refi_RiskRating"/>
  <xs:element name="LoansHeldForInvestmentNetDetailsScheduleofrealestatecollateralcoverageTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="refi_LoansHeldForInvestmentNetDetailsScheduleofrealestatecollateralcoverageTable"/>
  <xs:element name="LoansHeldForInvestmentNetDetailsScheduleofrealestatecollateralcoverageLineItems" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_LoansHeldForInvestmentNetDetailsScheduleofrealestatecollateralcoverageLineItems"/>
  <xs:element name="Floatingrate" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="refi_Floatingrate"/>
  <xs:element name="CurrentExpectedCreditLossRecoveries" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="refi_CurrentExpectedCreditLossRecoveries"/>
  <xs:element name="LoansHeldForInvestmentNetDetailsScheduleofProvisionforcurrentexpectedcreditlossesTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="refi_LoansHeldForInvestmentNetDetailsScheduleofProvisionforcurrentexpectedcreditlossesTable"/>
  <xs:element name="LoansHeldForInvestmentNetDetailsScheduleofProvisionforcurrentexpectedcreditlossesLineItems" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_LoansHeldForInvestmentNetDetailsScheduleofProvisionforcurrentexpectedcreditlossesLineItems"/>
  <xs:element name="UnusedFeesReceivable" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="refi_UnusedFeesReceivable"/>
  <xs:element name="TotalInterestReceivable" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="refi_TotalInterestReceivable"/>
  <xs:element name="InitialReserves" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="refi_InitialReserves"/>
  <xs:element name="NewReserves" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="refi_NewReserves"/>
  <xs:element name="ReserveDisbursed" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="refi_ReserveDisbursed"/>
  <xs:element name="TotalInterestReserve" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="refi_TotalInterestReserve"/>
  <xs:element name="AmortizationOfDebtIssueCosts1" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="refi_AmortizationOfDebtIssueCosts1"/>
  <xs:element name="OtherFeesEarnedAndPaidToTheManager" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="refi_OtherFeesEarnedAndPaidToTheManager"/>
  <xs:element name="BaseManagementFeesNet" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="refi_BaseManagementFeesNet"/>
  <xs:element name="ManagementAndIncentiveFeesPayable" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="refi_ManagementAndIncentiveFeesPayable"/>
  <xs:element name="DilutedEarningsPerCommonShare" type="dtr:perShareItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_DilutedEarningsPerCommonShare"/>
  <xs:element name="DividendsandDistributionsDetailsScheduleofdividendsdeclaredTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="refi_DividendsandDistributionsDetailsScheduleofdividendsdeclaredTable"/>
  <xs:element name="DividendsandDistributionsDetailsScheduleofdividendsdeclaredLineItems" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_DividendsandDistributionsDetailsScheduleofdividendsdeclaredLineItems"/>
  <xs:element name="CommonShareDistributionAmount" type="dtr:perShareItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_CommonShareDistributionAmount"/>
  <xs:element name="TaxableOrdinaryIncomePerShare" type="dtr:perShareItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_TaxableOrdinaryIncomePerShare"/>
  <xs:element name="LoansHeldForInvestmentNetDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="refi_LoansHeldForInvestmentNetDetailsTable"/>
  <xs:element name="LoansHeldForInvestmentNetDetailsLineItems" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_LoansHeldForInvestmentNetDetailsLineItems"/>
  <xs:element name="PortfolioPercentage" type="dtr:percentItemType" abstract="false" xbrli:periodType="instant" nillable="true" substitutionGroup="xbrli:item" id="refi_PortfolioPercentage"/>
  <xs:element name="LoanCarryingValue" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="refi_LoanCarryingValue"/>
  <xs:element name="RemainingPortfolioPercentage" type="dtr:percentItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_RemainingPortfolioPercentage"/>
  <xs:element name="DebtInstrumentAdvance" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="refi_DebtInstrumentAdvance"/>
  <xs:element name="BorrowerPercentage" type="dtr:percentItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_BorrowerPercentage"/>
  <xs:element name="GrossProceeds" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="refi_GrossProceeds"/>
  <xs:element name="DebtDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="refi_DebtDetailsTable"/>
  <xs:element name="DebtDetailsLineItems" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_DebtDetailsLineItems"/>
  <xs:element name="LoanCommitment" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="refi_LoanCommitment"/>
  <xs:element name="UnusedFeesRate" type="dtr:percentItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_UnusedFeesRate"/>
  <xs:element name="InterestPercentage" type="dtr:percentItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_InterestPercentage"/>
  <xs:element name="EquityPercentage" type="dtr:percentItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_EquityPercentage"/>
  <xs:element name="OutsideFees" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="refi_OutsideFees"/>
  <xs:element name="IncentiveCompensation" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="refi_IncentiveCompensation"/>
  <xs:element name="UnderwritersSharesPurchase" type="xbrli:sharesItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_UnderwritersSharesPurchase"/>
  <xs:element name="CommonStockPriceParValue" type="dtr:perShareItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_CommonStockPriceParValue"/>
  <xs:element name="AdditionalGrossProceeds" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="refi_AdditionalGrossProceeds"/>
  <xs:element name="AdditionalNetProceeds" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="refi_AdditionalNetProceeds"/>
  <xs:element name="UnderCommissions" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="refi_UnderCommissions"/>
  <xs:element name="CommonStockCapitalShareReservedForFutureIssuance" type="xbrli:sharesItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_CommonStockCapitalShareReservedForFutureIssuance"/>
  <xs:element name="CommonStockShareIssued" type="xbrli:sharesItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_CommonStockShareIssued"/>
  <xs:element name="CommonStockPerShare" type="dtr:perShareItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_CommonStockPerShare"/>
  <xs:element name="GrossProceedsFromIPO" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="refi_GrossProceedsFromIPO"/>
  <xs:element name="GrossProceed" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="refi_GrossProceed"/>
  <xs:element name="RestrictedCommonStockShares" type="xbrli:sharesItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_RestrictedCommonStockShares"/>
  <xs:element name="IssuedAndOutstandingSharesPercentage" type="dtr:percentItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_IssuedAndOutstandingSharesPercentage"/>
  <xs:element name="SubsequentEventsDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="refi_SubsequentEventsDetailsTable"/>
  <xs:element name="SubsequentEventsDetailsLineItems" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_SubsequentEventsDetailsLineItems"/>
  <xs:element name="UnfundedCommitment" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="refi_UnfundedCommitment"/>
  <xs:element name="AllowanceForCreditLossesMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_AllowanceForCreditLossesMember"/>
  <xs:element name="BaseTenMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_BaseTenMember"/>
  <xs:element name="BaseThreeMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_BaseThreeMember"/>
  <xs:element name="CECLReserveRelatedToOutstandingMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_CECLReserveRelatedToOutstandingMember"/>
  <xs:element name="CECLReserveRelatedToUnfundedMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_CECLReserveRelatedToUnfundedMember"/>
  <xs:element name="CarryingValueMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_CarryingValueMember"/>
  <xs:element name="CurrentExpectedCreditLossReserveMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_CurrentExpectedCreditLossReserveMember"/>
  <xs:element name="FirstAdvanceMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_FirstAdvanceMember"/>
  <xs:element name="FloridaOneMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_FloridaOneMember"/>
  <xs:element name="GraterThanTwoPointZeroXMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_GraterThanTwoPointZeroXMember"/>
  <xs:element name="LessThanOnePointZeroXMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_LessThanOnePointZeroXMember"/>
  <xs:element name="LondonInterbankMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_LondonInterbankMember"/>
  <xs:element name="MichiganFiveMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_MichiganFiveMember"/>
  <xs:element name="MichiganFourMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_MichiganFourMember"/>
  <xs:element name="MichiganOneMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_MichiganOneMember"/>
  <xs:element name="MichiganTwoMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_MichiganTwoMember"/>
  <xs:element name="OnePointFiftyXMinusOnePointSeventyFiveMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_OnePointFiftyXMinusOnePointSeventyFiveMember"/>
  <xs:element name="OnePointSeventyFiveXMinusTwoZeroMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_OnePointSeventyFiveXMinusTwoZeroMember"/>
  <xs:element name="OnePointTwentyFiveXMinusOnePointFiveXMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_OnePointTwentyFiveXMinusOnePointFiveXMember"/>
  <xs:element name="OnePointZeroXMinusOnePointTwentyFiveXMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_OnePointZeroXMinusOnePointTwentyFiveXMember"/>
  <xs:element name="OriginalIssueDiscountMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_OriginalIssueDiscountMember"/>
  <xs:element name="OutstandingMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_OutstandingMember"/>
  <xs:element name="PIKEqualRateMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_PIKEqualRateMember"/>
  <xs:element name="PIKInterestRateMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_PIKInterestRateMember"/>
  <xs:element name="PIKIntialRateMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_PIKIntialRateMember"/>
  <xs:element name="PennsylvaniaOneMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_PennsylvaniaOneMember"/>
  <xs:element name="PennsylvaniaTwoMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_PennsylvaniaTwoMember"/>
  <xs:element name="PrincipalMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_PrincipalMember"/>
  <xs:element name="RegularCashDividendMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_RegularCashDividendMember"/>
  <xs:element name="RegularCashDividendTwoMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_RegularCashDividendTwoMember"/>
  <xs:element name="RevolvingLoanMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_RevolvingLoanMember"/>
  <xs:element name="RiskRatingFiveMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_RiskRatingFiveMember"/>
  <xs:element name="RiskRatingFourMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_RiskRatingFourMember"/>
  <xs:element name="RiskRatingOneMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_RiskRatingOneMember"/>
  <xs:element name="RiskRatingThreeMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_RiskRatingThreeMember"/>
  <xs:element name="RiskRatingTwoMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_RiskRatingTwoMember"/>
  <xs:element name="SecondAdvanceMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_SecondAdvanceMember"/>
  <xs:element name="SecondCommitmentMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_SecondCommitmentMember"/>
  <xs:element name="ThirdAdvanceMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_ThirdAdvanceMember"/>
  <xs:element name="TotalCashDividendMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_TotalCashDividendMember"/>
  <xs:element name="TotalMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_TotalMember"/>
  <xs:element name="TwentyoneMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_TwentyoneMember"/>
  <xs:element name="TwoConsecutiveMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_TwoConsecutiveMember"/>
  <xs:element name="TwoThousandNineteenMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_TwoThousandNineteenMember"/>
  <xs:element name="TwoThousandTwentyMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_TwoThousandTwentyMember"/>
  <xs:element name="TwoThousandTwentyOneMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_TwoThousandTwentyOneMember"/>
  <xs:element name="TwoThousandTwentyTwoMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_TwoThousandTwentyTwoMember"/>
  <xs:element name="UnfundedMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_UnfundedMember"/>
  <xs:element name="VariousFiveMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_VariousFiveMember"/>
  <xs:element name="VariousFourMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_VariousFourMember"/>
  <xs:element name="VariousMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_VariousMember"/>
  <xs:element name="VariousOneMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_VariousOneMember"/>
  <xs:element name="VariousThreeMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_VariousThreeMember"/>
  <xs:element name="VariousTwoMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_VariousTwoMember"/>
  <xs:element name="DocumentAndEntityInformationAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_DocumentAndEntityInformationAbstract"/>
</xs:schema>
