A farmer would like to borrow $$155,000$ to buy a land worth $$270,000.$

$1)$ Calculate the loan$-$to$-$value ratio.

$2)$ Using the standards discussed in class and the trends in land value, would you lend to this farmer? Explain why or why not. If not, what loan amount would you suggest? $($Note: For full points you need to state which standard was used in your decision$).$