Good morning. Joining me on today's call are Tom Lorenzini, President and Chief Investment Officer; Fernando Diaz, Chief Financial Officer and Treasurer; and Jared Lewis, Vice President. Today's call includes a presentation by management, followed by a question-and-answer session with analysts. Please note that the recording, retransmission, and transcription of today's conference call is prohibited without the prior written consent of the company. Also note that today's conference call contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995 and other securities laws. These forward-looking statements are based on Seven Hills' beliefs and expectations as of today, February 19, 2025, and actual results may differ materially from those that we project. The company undertakes no obligation to revise or publicly release the results of any revision to the forward-looking statements made in today's conference call. Additional information concerning factors that could cause those differences is contained in our filings with the Securities and Exchange Commission, or SEC, which can be accessed from the SEC's website. Investors are cautioned not to place undue reliance upon any forward-looking statements. In addition, we will be discussing non-GAAP financial numbers during this call, including Distributable Earnings and Distributable Earnings per share. A reconciliation of GAAP to non-GAAP financial measures can be found in our earnings release presentation, which can be found on our website at sevnreit.com. With that, I will now turn the call over to Tom. Thanks, Matt. Good morning, everyone. On our call today, I will start with an update on our fourth-quarter activities and performance, followed by an overview of our loan portfolio before turning it over to Jared to discuss the macro perspective and the opportunities that we are seeing in this competitive environment as it relates to our pipeline. Fernando will then review our financial results before opening the call to questions from sell-side analysts. Before jumping into our quarterly results, I would like to highlight that for the full year, Seven Hills soundly outperformed our benchmark index, the Nareit Mortgage Commercial Financing Index, by more than 20%. This is the second consecutive year that we have outperformed this index, allowing us to deliver meaningful shareholder returns, which is a testament to the quality of our borrowers as well as our underwriting and portfolio asset management. Turning to our fourth-quarter results, last evening we reported Distributable Earnings per share of $0.33, which met the high end of our guidance range. We further strengthened and diversified our portfolio by increasing our total loan commitments during the quarter to $641 million from $594 million at the end of Q3. Our average loan commitment also increased quarter over quarter from $30 million to $31 million. Our loan portfolio continues to perform well and currently has a weighted average risk rating of 3.1. We have no five-rated loans, no loans in default, and no non-accrual loans. We ended the quarter $70 million in cash and ample borrowing capacity after receiving eight loan repayments totaling $165 million during the year, positioning us to further grow our portfolio by strategically taking advantage of opportunities in our pipeline to generate attractive risk-adjusted returns. Prior to our recycling any capital generated through future loan repayments, we would expect to grow our portfolio by approximately $100 million in 2025. Turning to a few additional highlights from the fourth quarter, we were active during the quarter, closing two loans totaling $87 million. The first loan was a fully funded $42 million refinance of a student housing property serving the University of Mississippi, and the second loan was a $45 million commitment to finance the acquisition of a 178-room hotel located here in Boston. Also, during the quarter, we received one loan repayment, our Starkville, Mississippi loan, which totaled $37 million. In early January, we closed on a $31 million bridge loan to finance the acquisition of another student housing property, this one located at Texas State University in San Marcos. Looking forward, we are not anticipating any first-quarter repayments but do expect six to seven loans totaling approximately $200 million being repaid in the back half of 2025, which should position us well as the markets continue to improve. Turning to our loan book as of December 31, Seven Hills' portfolio remained 100% invested in floating-rate loans, which consisted of 21 first mortgages with an average loan size of $31 million and total commitments of $641 million, an increase of approximately 8% or $47 million from last quarter. Future fundings decreased modestly to 5% of total commitments, and our investments have a weighted average coupon of 8.2% and an all-in yield of 8.6%. In aggregate, the portfolio has a weighted average maximum maturity of 2.6 years when including extension options and a stable overall credit profile with an average risk rating of 3.1 and a weighted average loan-to-value at close of 67%. We continue to thoughtfully diversify our loan book. As of today, our office exposure has been reduced to 26% of our total outstanding loan dollars, down from 30% at the end of Q3. More importantly, all of our office loans are secured by well-leased properties, remain current at debt service, and continue to be actively supported by our borrowers. In addition, 52% of today's portfolio consists of multifamily and industrial loans, followed by select- service hospitality and grocery-anchored retail loans. Geographically, we continue to be well-diversified across the country. From a capital perspective, our lending partners remain incredibly supportive of our business. We amended our UBS Master Repurchase Agreement by extending the maturity date to February of 2026, while also increasing the maximum facility size by $45 million to $250 million. Secondly, we extended the maturity date of our $125 million Wells Fargo Master Repurchase Facility from February 2025 to March of 2026. Before I turn the call to Jared, I would like to mention that in December, Seven Hills elected Ann Danner to our board as an independent trustee. Ann brings more than 40 years of real estate industry experience, and her strong background in residential and multifamily development investment and operations will be a significant asset to Seven Hills going forward. With that, I will now turn the call over to Jared. Thanks, Tom. I'll provide a quick macro perspective update. As mentioned on our last call, at the end of the third quarter, we began to see real optimism in the market as the Federal Reserve began reducing interest rates. As a result, over the fourth quarter, we saw a significant increase in loan request activity and averaged over $1.2 billion of monthly loan registrations during the quarter. More notably, however, we saw an increase in credit quality and, in particular, transactions that fit our stringent underwriting criteria, evidenced by a substantial increase in term sheets issued when compared to the same period last year. Beginning at the end of the last year and so far in early 2024, we have seen a great deal of liquidity return to the market. The CMBS and CRE CLO markets are active, and competition among lenders for new loans continues to drive spreads downward, particularly in the multifamily sector. The confluence of recent interest rate reductions, increased liquidity, and the bottoming of real estate values gives property owners and borrowers more conviction to make buy, sell, or refinance decisions. With significant upcoming loan maturities, this combination should help fuel increased transaction activity as we progress into 2025. Furthermore, a significant amount of these upcoming loan maturities are floating-rate bridge loans originated in 2021 and 2022 and do not readily qualify for permanent financing today. Many of these properties are likely to require additional investment in new floating-rate debt to facilitate the completion of their business plans and to allow for additional time for property NOIs to stabilize. As I mentioned earlier, our pipeline of financing opportunities remains robust, and while borrowers are evaluating both fixed and floating-rate options, we are seeing that many are more open to signing floating-rate loans for the near-term flexibility they offer. Like many lenders, we continue to see an increase in opportunities to finance multifamily properties. However, we continue to be thoughtful about how we deploy our capital and have found success targeting sectors of the multifamily market where there is less competition, like student housing. We also continue to see interesting opportunities in the industrial, hospitality, and retail sectors where we can leverage the expertise of the broader RMR platform to help us better evaluate transactions that generate stronger risk-adjusted returns on our investments. Generally speaking, this is a good environment for floating-rate lenders like us. The relative stability of short-term rates compared to the recent volatility in a 10-year Treasury rate makes floating-rate loans useful for a wide array of circumstances. This allows us to be very selective during our credit analysis process while still being able to strategically expand our loan portfolio. To that end, we currently have two outstanding term sheets on industrial and hospitality properties totaling $65 million. In addition, we have one $19 million loan in diligence with a repeat borrower for the refinance of a student housing property serving Baylor University. This loan has a three-year initial term with two one-year extension options subject to property meeting certain requirements. Barring any issues in diligence, this loan should close within the next 30 days. Now, I would like to turn the call over to Fernando. Thank you, Jared, and good morning. Yesterday, we reported fourth quarter 2024 Distributable Earnings of $4.9 million or $0.33 per share. For the full year, we reported Distributable Earnings of $21.3 million or $1.45 per share compared to our dividend of $1.40 per share. In January, we declared a regular quarterly dividend to shareholders of $0.35 per share to be paid tomorrow, February 20. On an annualized basis, the dividend yield on our stock is approximately 10.6% based on yesterday's closing price. Our CECL reserve remains modest at 140 basis points of our total loan commitments as of December 31 compared to 160 basis points as of September 30. Our CECL provision decreased $450,000 for the third quarter primarily due to an improvement in the macro forecast used in our CECL model and improved performance at certain of our loans during the fourth quarter. As a reminder, to help protect us against investment losses, we structure all of our loans with risk mitigation mechanisms such as cash flow sweeps, interest reserves, and rebalancing requirements, and we do not have any collateral-dependent loans or loans with specific reserves. As of year-end, Seven Hills maintained its conservative leverage metrics and continues to have ample liquidity. We ended the quarter with $70 million of cash on hand, ample borrowing capacity, and a weighted average borrowing rate of SOFR plus 223 basis points. Total debt- to- equity increased 1.6 times from 1.4 times at the end of the previous quarter, primarily due to the two loan originations in the quarter Tom discussed earlier. We believe that our conservative leverage and available borrowing capacity provide a strong opportunity to originate accretive loans that will benefit the company. Turning to our outlook and guidance, we expect first-quarter Distributable Earnings to be in the range of $0.30-$0.32 per share as a result of the fourth quarter payoff and the timing of the closing of new originations currently in our pipeline. As Tom and Jared discussed, we have a robust pipeline with several loans in advanced stages of negotiation. However, these loans will not close until later this quarter or in the second quarter. That concludes our prepared remarks, and with that, Operator, please open the lines for questions. Thank you. We will now begin the question and answer session. To ask a question, you may press star, then one on your touch-tone phone. If you are using a speakerphone, please pick up your handset before pressing the keys. If at any time your question has been addressed and you would like to withdraw your question, please press star, then two. At this time, we will pause momentarily to assemble our roster. The first question will come from Matthew Erdner with JonesTrading. Please go ahead. Hey, good morning, guys. Thanks for the question. Fernando, thanks for that clarification on the interest income and kind of the timing there because that was actually the first question that I had. I guess turning to the portfolio, targeting $100 million in net originations, and I believe you said $200 million in payoffs, how comfortable are you guys at the current dividend or at the current level with the dividend and portfolio size? Just kind of thinking about run rate earnings going forward, once those loans do close, later half one Q, early Q2, you kind of expect that to be fully supportive of that $0.35 dividend? Yeah, I can start with that and perhaps Tom can add some color in terms of the loan production. As you know, Matt, the board evaluates the dividend on a quarterly basis based on market conditions, loan originations and payoffs, and the forward path of interest rates. It is something that the board looks on a quarterly basis, and I think we continue to evaluate that along with the board in terms of the dividend. Matt, I think certainly important to that question is going to be our pace of production. For the year, we've already closed one transaction earlier this year for $31 million. We've got another in the 2019 that we mentioned that's in closing. We will have those two closed this quarter. We have another $50-$60 million that we can put out in two more deals probably in the second quarter at some point, and we start getting into the repayments and recycling that cash. As far as supporting the dividend, it's really going to just depend on how quickly we can get the initial dollars out to continue to support the plan. Got it. That's helpful. Kind of as a follow-up to that, when looking at payoffs, how much insight can you guys see into that? Because it looks like with the original maturity date, there's about 58% of the portfolio, give or take, that was scheduled to mature this year. You mentioned the back half, but how good of a look into that do you guys have? Look, we certainly speak with our sponsors at a minimum monthly as they provide their performance package on the properties. We are acutely aware of these upcoming maturities, and we are working with the sponsorship. What I can tell you is that when we look through the schedule here, there is a handful. There are 11 loans that are going to mature in 2025. Several of those we know will extend. Some have the extensions by right. There are some early maturities coming up quickly now. We have one in Maryland on a retail center. They are actively pursuing two paths, either sell or refinance us. There may be a short-term extension we do there. We have another property outside of Chicago in Downers Grove that is maturing here at the end of February. We've agreed to extend on a short-term basis there as well while they continue to work with their bank on a refinance. The rest of the loans, if you look at the schedule, they're really not scheduled until Q3 and Q4. Got it. Yeah, that's very helpful. Thank you for that. Again, if you have a question, please press star, then one. Our next question will come from Chris Muller with Citizens JMP. Please go ahead. Hey, everyone. Thanks for taking the questions, and congrats to a nice close to 2024. I guess, how are you guys thinking about leverage in 2025? Just to put that in a little context, the commercial mREITs typically used to operate in a three-to-one type leverage scenario, but you guys are well below that today, which gives you a lot of flexibility going forward. Just curious on any thoughts you guys have on leverage going forward. Yeah, happy to take that. As you know, we finished the quarter at 1.6 times. With the amount of capital that Tom alluded to earlier, probably putting another $100 million to work, that can get us comfortably probably around the two times leverage, which is probably a little bit under where we want to be. At this point, maximum leverage will be about two and a half times, but currently probably around two, a little bit north of two as we put the money to work. Part of that equation, keep in mind, is that I think four of the six office loans that we have, we're pretty under-levered. So that factors into keeping that number low. Got it. That's helpful. Maybe something that would impact that leverage a little more dramatically. We're hearing, and you guys touched on this in your prepared remarks, that securitization markets are tightening up and becoming a little more attractive. Is a CLO something that could fit into the Seven Hills vehicle? Just how are you guys thinking about the CLO market as we sit today? Hey, Chris, this is Jared. I can address that. Yeah. With respect to the CMBS and CRE CLO markets, they're definitely back. They're very active, and they're a huge catalyst to driving spreads downward. As a result of that, we gain the benefit of that with our repo facilities as well. Where CLO prints happen, it kind of translates into our borrowing costs as well. That's a benefit to us. Our ability, however, to access or tap into that CRE CLO market is a little bit challenging today given the size of the portfolio. As you know, the majority of those structures are collateralized with multifamily properties, and generally, they're anywhere from three-quarters of a billion to a billion dollars for each of those deals. For us to really access that market, we'd have to originate all of our loans in that probably multifamily world and start from scratch all over again. Our portfolio, we think, is performing well. We continue to find ways to generate returns elsewhere. Got it. A CLO would kind of be a next chapter once we get through this current cycle. I appreciate the comments today and look forward to seeing the story play out in 2025. Thank you. With no further questions, this concludes our question and answer session. I would like to turn the conference back over to Tom Lorenzini, President and Chief Investment Officer, for any closing remarks. Thank you very much for joining our call today. The call is now ended. The conference is now concluded. Thank you for attending today's presentation. You may now disconnect.