Borrower looking to cash out refinance the subject property located in Macon, GA to hold for long-term rental income. Subject is an SFR currently leased for $1200 per month, which is the same as the market rate per the appraiser's estimate. Property was appraised for $127k as-is with a CDA confirming the value was acceptable. Sponsor on the loan as good credit and bank statements reflect sufficient liquidity to meet the reserve requirement for the deal. Total loan amount 75% LTV presenting 1.36 DSCR.