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  <xsd:element name="DebtSecuritiesAvailableForSaleFaceValue" id="stho_DebtSecuritiesAvailableForSaleFaceValue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="NotesReceivableAndOtherLendingInvestmentsBeforeAllowanceForCreditLosses" id="stho_NotesReceivableAndOtherLendingInvestmentsBeforeAllowanceForCreditLosses" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="NotesReceivableAndOtherLendingInvestmentsNetOfAllowanceForCreditLosses" id="stho_NotesReceivableAndOtherLendingInvestmentsNetOfAllowanceForCreditLosses" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="DebtSecuritiesAvailableForSaleSoldOrRepaidDuringPeriod" id="stho_DebtSecuritiesAvailableForSaleSoldOrRepaidDuringPeriod" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="SeniorConstructionMortgageLoanMember" id="stho_SeniorConstructionMortgageLoanMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="DebtInstrumentOriginationFeesPercentage" id="stho_DebtInstrumentOriginationFeesPercentage" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="DebtInstrumentFloorRate" id="stho_DebtInstrumentFloorRate" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="DebtInstrumentExitFeesPercentage" id="stho_DebtInstrumentExitFeesPercentage" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="MultifamilyProjectInAsburyParkNjVentureMember" id="stho_MultifamilyProjectInAsburyParkNjVentureMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="ThirdPartyCapitalContributions" id="stho_ThirdPartyCapitalContributions" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="DeferredProfitInterestEquityCapitalization" id="stho_DeferredProfitInterestEquityCapitalization" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="DebtInstrumentInterestRatePercentageToExtentAnyLoanRemainsOutstandingUnderIncrementalFacility" id="stho_DebtInstrumentInterestRatePercentageToExtentAnyLoanRemainsOutstandingUnderIncrementalFacility" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" />
  <xsd:element name="DebtInstrumentBasisSpreadOnVariableRateIncreaseForSucceedingPeriodAfterPikElection" id="stho_DebtInstrumentBasisSpreadOnVariableRateIncreaseForSucceedingPeriodAfterPikElection" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="InterestExpenseRelatedPartyMember" id="stho_InterestExpenseRelatedPartyMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="NumberOfLoansReceivableRepaid" id="stho_NumberOfLoansReceivableRepaid" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="DebtInstrumentBasisSpreadOnVariableRateIncrease" id="stho_DebtInstrumentBasisSpreadOnVariableRateIncrease" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="InterestExpenseRelatedPartyOperating" id="stho_InterestExpenseRelatedPartyOperating" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="FairValueOfEquityMethodInvestment" id="stho_FairValueOfEquityMethodInvestment" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="LandAndDevelopmentTextBlock" id="stho_LandAndDevelopmentTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="BusinessAndOrganizationAbstract" id="stho_BusinessAndOrganizationAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="PaymentForReimbursementsFromCapitalExpendituresOnLandAndDevelopmentAssets" id="stho_PaymentForReimbursementsFromCapitalExpendituresOnLandAndDevelopmentAssets" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="DebtSecuritiesAvailableForSaleWithGainNumber" id="stho_DebtSecuritiesAvailableForSaleWithGainNumber" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" />
  <xsd:element name="OneAvailableForSaleSecurityMember" id="stho_OneAvailableForSaleSecurityMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="NineAvailableForSaleSecuritiesMember" id="stho_NineAvailableForSaleSecuritiesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="SevenAvailableForSaleSecuritiesMember" id="stho_SevenAvailableForSaleSecuritiesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="FiveAvailableForSaleSecuritiesMember" id="stho_FiveAvailableForSaleSecuritiesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="NotesReceivableAndOtherLendingInvestmentsCurrentInPaymentStatusAndRiskRatingOfThree" id="stho_NotesReceivableAndOtherLendingInvestmentsCurrentInPaymentStatusAndRiskRatingOfThree" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" />
  <xsd:element name="CashAndRestrictedCashDisposedOnDeconsolidationOfVenture" id="stho_CashAndRestrictedCashDisposedOnDeconsolidationOfVenture" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="MezzanineLoanMember" id="stho_MezzanineLoanMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
</xsd:schema>
