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Repeat borrower under contract to purchase the subject property located in Rochester, NY to hold for long-term rental income. Subject is a single-family rental with a market rental rate of $1700/month per the appraiser's estimate. Subject was appraised for $128k As-Is and a CDA confirmed the value was acceptable. Sponsor on the loan has good credit and sufficient liquidity to meet the reserve requirement. Total loan amount 80.00% LTV & 79.40% LTC presenting 1.55 DSCR.