Apollo Commercial Real Estate Finance, Inc. (ARI) is a high-yield commercial mortgage REIT for investors with an above-average risk tolerance. Apollo Commercial Real Estate Finance saw strong origination activity in the last quarter of 2018, and the company retains net interest income upside in a rising rate environment. Though Apollo Commercial Real Estate Finance covered its dividend with operating earnings in the last quarter, the margin of dividend safety is very thin. Shares are affordable, and an investment in ARI yields 10.3 percent. What should investors do now?