A two-story contemporary-style residence with 4 bedrooms, 3.1 bathrooms, and 2,959 square feet of living space on a generous 16,100-square-foot lot. Recently remodeled, the home features wood flooring, dual-pane windows, recessed lighting, central air conditioning, one fireplace, a patio, ceiling speakers, newer doors, and updated plumbing. Parking includes both a two-car carport and a two-car garage. The modern kitchen offers waterfall-style granite countertops, new cabinetry, a large center island with seating, and built-in stainless steel appliances. Bathrooms are upgraded with tile flooring, wood vanities, tiled showers, and new bathtubs. The backyard is ideal for relaxation and entertainment, featuring a swimming pool and a distant bay view. Purchased in 2024 for $4,100,000, the Borrower invested over $2,100,000 in cash to close escrow and subsequently spent an additional $226,700 on renovations. The property is leased at $15,000 per month through August 31, 2026, generating strong and stable rental income. The first deed of trust is with United Wholesale Mortgage at a fixed 7.625% interest rate, maturing in December 2054, with a current unpaid principal balance of $1,989,672.03. The purpose of the requested loan is to provide cash out to pay off high-interest debt, cover tax obligations, and retire a loan on another investment property with a significant prepayment penalty. The Borrower’s exit strategy is to refinance the total debt into a long-term loan before maturity. The Borrower is a highly experienced real estate investor and property manager with over 40 years in the industry. She maintains strong liquidity, currently showing $705,270.08 in her accounts. Her holdings include an investment property in South Lake Tahoe, her primary residence in Burlingame, and approximately $2,453,501 in protective equity. She also owns a retail store in San Francisco. With a 769 FICO score, she presents as a financially sound and reliable borrower. The loan will have a 24-month maturity, providing ample time to execute the planned refinance strategy.