Repeat and experienced Borrower looking to refinance existing debt on subject property and hold it to long term loan. Subject is an SFR located in Lawrenceville, GA currently leased for $2,500 per month which is below the market rates per the appraiser's estimate ($2,305). Subject appraised for $389k As-Is and a CDA was ordered to confirm the value was acceptable. Sponsor on the loan with Average credit with a mid-score of 696; Loan structured and priced in accordance with the qualification model. Total loan amount 56.6% LTV with 1.10 DSCR.