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Borrower looking to rate/term refinance on the subject property located in Canon City, CO and hold it to long term loan. Subject is a SFR, currently vacant, where the market rates per the appraiser's estimate is $1,800. Subject appraised for $322K As-Is & a CDA confirmed the value was acceptable. Sponsor on the loan has a good credit score and bank statements reflect sufficient funds to meet the reserve requirement. Total loan amount 69.70% LTV with 1.15 DSCR.