New borrower looking to rate/term refinance the subject property located in Plainfield, CT to hold for long-term rental income. Subject is a single-family rental currently vacant, but with market rates per the appraiser's estimate at $3,400/month. Subject was appraised for $420k as-is and a CDA confirmed the value was acceptable. Sponsor on the loan has good credit and bank statements reflect sufficient liquidity to meet the reserve requirement. Total loan amount 76.3% LTV with 1.39 DSCR.