Repeat Borrowers are looking to Rate/term refinance on subject property located in Abilene, TX to hold for long-term rental income. Subject is a Duplex currently leased for $2,400 per month which is equal to the market rates per the appraiser's estimate. Subject appraised for $287k As-Is and a CDA confirmed the value was acceptable. Two Sponsors on the loan with good credit with a mid-score of 712; Bank statements reflect sufficient liquidity to meet the reserve requirement. Total loan amount 75% LTV with 1.22 DSCR.