Don is asking for $250,000 to purchase a second home that he will use as a vacation home. He also states that he will earn additional income by putting it on Air BnB when he is not using it. Don's credit score is 675
Don is currently a car salesman that earned $125,000 in 2019, but only $90,000 in 2020 due to the pandemic. He expects to earn $140,000 this year based on his January 2021 sales.
He has been selling cars for three years, but has been employed by three different dealerships.
In the five years prior to his career as a car salesman, Don had many other jobs, none of which he kept for more than one year.
Don currently owns one home and two cars. His home is appraised at $400,000, but he still owes $300,000.
He has paid for one car that is worth $10,000 and his second car is worth $40,000 and he owes $42,000.

Is Don a low, medium or high credit risk?
Would you grant Don the loan?
Why or why not?
Incorporate the three "C's" of creditworthiness to justify your choice.