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Repeat borrower looking to cash out refinance the subject property and hold it for long-term rental income. Subject is a multifamily property currently leased for $4300.00 per month which is above the market rates per the appraiser's estimate. Subject was appraised for $290k as-is and a CDA confirmed the value was acceptable. Sponsor on the loan has good credit and bank statements reflect just sufficient liquidity to meet the reserve requirement. Total loan amount 75.00% LTV with 1.69 DSCR.