The subject is a 3-bedroom, 2-bathroom home with 1,703 square feet of living space on a 15,304-square-foot lot. The one-story ranch-style home was built in 1951. The property has a 641-square-foot detached ADU with one bedroom, a bathroom, a kitchen, a dining counter, and a living room. The main house features hardwood, tile, and carpet flooring, an open beam ceiling in the living room, central air conditioning, ceiling fans, three brick fireplaces, a covered porch, and a one-car garage currently used as a shed. The kitchen is in original condition with linoleum flooring, white wood cabinets, tiled countertops, a newer gas range oven, and a stainless-steel dishwasher. The bathrooms are in their original condition and have tiled floors, tiled showers, and tiled countertops. There is also a large 24’x42’ barn on the property. The property’s zoning allows for two horses. There are currently no horses on the property. The Borrower purchased the property in 2003 for $555,000 and maintains it as her primary residence. The property is currently owned free and clear. The purpose of the loan is to provide cash out to pay off a loan that is maturing on one of her investment properties. Before maturity, the Borrower will refinance into a long-term conventional loan.