Borrower looking to cash out on the subject property located in Lynchburg, VA to hold for long-term rental income. Subject is a single-family rental currently leased for $1,300 per month which is below the market rates per the appraiser's estimate ($1,600). Subject was appraised for $200k As-Is and a CDA confirmed the value was acceptable. Sponsor on the loan has excellent credit and bank statements reflect sufficient liquidity to meet the reserve requirement. Total loan amount 75% LTV with 1.07 DSCR.