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  <xs:element name="PercentofOurLoanPortfolio" type="dtr:percentItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_PercentofOurLoanPortfolio"/>
  <xs:element name="FutureFundings" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="refi_FutureFundings"/>
  <xs:element name="InterestRateDescriptions" type="xbrli:stringItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_InterestRateDescriptions"/>
  <xs:element name="PeriodicPayment" type="xbrli:stringItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_PeriodicPayment"/>
  <xs:element name="YieldtoMaturityofInternalRateofReturn" type="dtr:percentItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_YieldtoMaturityofInternalRateofReturn"/>
  <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="RealEstateCollateralsCoverage" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="refi_RealEstateCollateralsCoverage"/>
  <xs:element name="LoansHeldForInvestmentNetDetailsScheduleofActivityRelatedtotheCECLReserveforOutstandingBalancesTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="refi_LoansHeldForInvestmentNetDetailsScheduleofActivityRelatedtotheCECLReserveforOutstandingBalancesTable"/>
  <xs:element name="LoansHeldForInvestmentNetDetailsScheduleofActivityRelatedtotheCECLReserveforOutstandingBalancesLineItems" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_LoansHeldForInvestmentNetDetailsScheduleofActivityRelatedtotheCECLReserveforOutstandingBalancesLineItems"/>
  <xs:element name="InterestReceivableDetailsScheduleofaginganalysesofpastdueloansTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="refi_InterestReceivableDetailsScheduleofaginganalysesofpastdueloansTable"/>
  <xs:element name="InterestReceivableDetailsScheduleofaginganalysesofpastdueloansLineItems" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_InterestReceivableDetailsScheduleofaginganalysesofpastdueloansLineItems"/>
  <xs:element name="InterestReserveDetailsScheduleofChangesinInterestReservesTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="refi_InterestReserveDetailsScheduleofChangesinInterestReservesTable"/>
  <xs:element name="InterestReserveDetailsScheduleofChangesinInterestReservesLineItems" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_InterestReserveDetailsScheduleofChangesinInterestReservesLineItems"/>
  <xs:element name="InterestReserves" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="refi_InterestReserves"/>
  <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="UnusedFeeExpense" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="refi_UnusedFeeExpense"/>
  <xs:element name="AmortizationOfDeferredFinancingCosts" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="refi_AmortizationOfDeferredFinancingCosts"/>
  <xs:element name="ManagementFeesEarned" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="refi_ManagementFeesEarned"/>
  <xs:element name="OutsideFeesEarned" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="refi_OutsideFeesEarned"/>
  <xs:element name="CommitmentsandContingenciesDetailsScheduleofUnfundedCommitmentsonExistingLoansTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="refi_CommitmentsandContingenciesDetailsScheduleofUnfundedCommitmentsonExistingLoansTable"/>
  <xs:element name="CommitmentsandContingenciesDetailsScheduleofUnfundedCommitmentsonExistingLoansLineItems" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_CommitmentsandContingenciesDetailsScheduleofUnfundedCommitmentsonExistingLoansLineItems"/>
  <xs:element name="OriginalLoanCommitments" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="refi_OriginalLoanCommitments"/>
  <xs:element name="LessDrawnCommitments" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="refi_LessDrawnCommitments"/>
  <xs:element name="UndrawnCommitments" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="refi_UndrawnCommitments"/>
  <xs:element name="EarningsPerShareDetailsScheduleofBasicEarningsPerCommonShareTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="refi_EarningsPerShareDetailsScheduleofBasicEarningsPerCommonShareTable"/>
  <xs:element name="EarningsPerShareDetailsScheduleofBasicEarningsPerCommonShareLineItems" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_EarningsPerShareDetailsScheduleofBasicEarningsPerCommonShareLineItems"/>
  <xs:element name="FairValueMeasurementsDetailsScheduleofFinancialAssetsandLiabilitiesMeasuredatFairValueonaRecurringBasisTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="refi_FairValueMeasurementsDetailsScheduleofFinancialAssetsandLiabilitiesMeasuredatFairValueonaRecurringBasisTable"/>
  <xs:element name="FairValueMeasurementsDetailsScheduleofFinancialAssetsandLiabilitiesMeasuredatFairValueonaRecurringBasisLineItems" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_FairValueMeasurementsDetailsScheduleofFinancialAssetsandLiabilitiesMeasuredatFairValueonaRecurringBasisLineItems"/>
  <xs:element name="RevolvingLoanCarryingValue" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="refi_RevolvingLoanCarryingValue"/>
  <xs:element name="DividendsandDistributionsDetailsScheduleofDividendsDeclaredTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="refi_DividendsandDistributionsDetailsScheduleofDividendsDeclaredTable"/>
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  <xs:element name="TaxableOrdinaryIncomePerShare" type="dtr:perShareItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_TaxableOrdinaryIncomePerShare"/>
  <xs:element name="OrganizationandDescriptionofBusinessDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="refi_OrganizationandDescriptionofBusinessDetailsTable"/>
  <xs:element name="EffectiveOfOrdinaryIncomePercentage" type="dtr:percentItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_EffectiveOfOrdinaryIncomePercentage"/>
  <xs:element name="EffectiveIncomeTaxRateCapitalGainNetIncome" type="dtr:percentItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_EffectiveIncomeTaxRateCapitalGainNetIncome"/>
  <xs:element name="EffectiveIncomeTaxRateReconciliationNonDeductibleExciseTax" type="dtr:percentItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_EffectiveIncomeTaxRateReconciliationNonDeductibleExciseTax"/>
  <xs:element name="EffectiveIncomeTaxRateReconciliationDistributionOfNetCapitalGains" type="dtr:percentItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_EffectiveIncomeTaxRateReconciliationDistributionOfNetCapitalGains"/>
  <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="PrincipalNewFundings" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="refi_PrincipalNewFundings"/>
  <xs:element name="PortfolioPercentage" type="dtr:percentItemType" abstract="false" xbrli:periodType="instant" nillable="true" substitutionGroup="xbrli:item" id="refi_PortfolioPercentage"/>
  <xs:element name="LoansCommitmentInterestRate" type="dtr:percentItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_LoansCommitmentInterestRate"/>
  <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="UnusedFeesRate" type="dtr:percentItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_UnusedFeesRate"/>
  <xs:element name="RelatedPartyTransactionsDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="refi_RelatedPartyTransactionsDetailsTable"/>
  <xs:element name="RelatedPartyTransactionsDetailsLineItems" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_RelatedPartyTransactionsDetailsLineItems"/>
  <xs:element name="AssignedRightSoldAmount" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="refi_AssignedRightSoldAmount"/>
  <xs:element name="StockholdersEquityDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="refi_StockholdersEquityDetailsTable"/>
  <xs:element name="StockholdersEquityDetailsLineItems" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_StockholdersEquityDetailsLineItems"/>
  <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="IssuedAndOutstandingSharesPercentage" type="dtr:percentItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_IssuedAndOutstandingSharesPercentage"/>
  <xs:element name="UnamortizedShareBasedCompensationExpense" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="refi_UnamortizedShareBasedCompensationExpense"/>
  <xs:element name="grossProceedsPercentage" type="dtr:percentItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_grossProceedsPercentage"/>
  <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="ExistingBorrowers" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="refi_ExistingBorrowers"/>
  <xs:element name="NewBorrowers" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="refi_NewBorrowers"/>
  <xs:element name="LoanBorrowed" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="refi_LoanBorrowed"/>
  <xs:element name="AmortizedCostMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_AmortizedCostMember"/>
  <xs:element name="ArizonaOneMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_ArizonaOneMember"/>
  <xs:element name="AttheMarketOfferingProgramMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_AttheMarketOfferingProgramMember"/>
  <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="CoInvestmentInLoansMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_CoInvestmentInLoansMember"/>
  <xs:element name="CurrentExpectedCreditLossReserveMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_CurrentExpectedCreditLossReserveMember"/>
  <xs:element name="CurrentLoansMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_CurrentLoansMember"/>
  <xs:element name="FloridaOneMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_FloridaOneMember"/>
  <xs:element name="FloridaTwoMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_FloridaTwoMember"/>
  <xs:element name="GraterThanTwoPointZeroXMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_GraterThanTwoPointZeroXMember"/>
  <xs:element name="IllinoisArizonaMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_IllinoisArizonaMember"/>
  <xs:element name="LessThanOnePointZeroXMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_LessThanOnePointZeroXMember"/>
  <xs:element name="LoanThreeMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_LoanThreeMember"/>
  <xs:element name="LoanThreeSecondCommitmentMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_LoanThreeSecondCommitmentMember"/>
  <xs:element name="MarylandOneMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_MarylandOneMember"/>
  <xs:element name="MichiganOneMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_MichiganOneMember"/>
  <xs:element name="MichiganThreeMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_MichiganThreeMember"/>
  <xs:element name="MichiganTwoMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_MichiganTwoMember"/>
  <xs:element name="NonAccrualLoansMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_NonAccrualLoansMember"/>
  <xs:element name="OhioOneMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_OhioOneMember"/>
  <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="OutstandingPrincipalMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_OutstandingPrincipalMember"/>
  <xs:element name="PrimeRateEightMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_PrimeRateEightMember"/>
  <xs:element name="PrimeRateFiveMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_PrimeRateFiveMember"/>
  <xs:element name="PrimeRateFourMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_PrimeRateFourMember"/>
  <xs:element name="PrimeRateNineMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_PrimeRateNineMember"/>
  <xs:element name="PrimeRateOneMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_PrimeRateOneMember"/>
  <xs:element name="PrimeRateSevenMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_PrimeRateSevenMember"/>
  <xs:element name="PrimeRateSixMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_PrimeRateSixMember"/>
  <xs:element name="PrimeRateThreeMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_PrimeRateThreeMember"/>
  <xs:element name="PrimeRateTwoMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_PrimeRateTwoMember"/>
  <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="RegularCashDividendOneMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_RegularCashDividendOneMember"/>
  <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="RiskRatingOneMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_RiskRatingOneMember"/>
  <xs:element name="SubtotalMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_SubtotalMember"/>
  <xs:element name="TotalCashDividendMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_TotalCashDividendMember"/>
  <xs:element name="TwoThousandTwentyOneEquityIncentivePlanMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_TwoThousandTwentyOneEquityIncentivePlanMember"/>
  <xs:element name="UndrawnCommitmentMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_UndrawnCommitmentMember"/>
  <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="OrganizationAndDescriptionOfBusinessLineItems" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_OrganizationAndDescriptionOfBusinessLineItems"/>
  <xs:element name="DocumentAndEntityInformationAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="refi_DocumentAndEntityInformationAbstract"/>
</xs:schema>
