A company wants to borrow $400,000. The monthly payment obligation is $2,700. They have $3,000 available to service the debt. The collateral is worth $500,000. Will the bank make the loan? No, because the loan to value ratio is >0.8 Yes, because the loan to value ratio is 0.8 yes, because the debt service coverage ratio is >1.20 No, becsuse the debt service coverage ratio is