Repeat Borrowers looking to refinance on a free and clear subject property and hold it to long term loan. Subject property is located in Hamlet, NC and is appraised for $174k As-Is. Two Sponsors on loan have decent credit with mixed mid-scores of 788 and 689; Bank statements reflect just over $19k in liquidity which is sufficient to meet the reserve requirement. Loan structured and priced in accordance with the qualification model. Total loan amount 50% LTV with 1.38 DSCR.