Saluda Grade Mortgage Funding LLC ABS-15G
Exhibit 99.1 Schedule 5
Saluda Grade
DSCR Cumulative
12/8/2022
Loan ID | Transaction ID | Field Name | Review Value | Tape Value | Discrepancy Comments |
FF12 | XXXX | Amortization Term | XXXX | XXXX | |
FF42 | XXXX | Amortization Term | XXXX | XXXX | XXXX month term; XXXX interest only, XXXX amortized. |
FF14 | XXXX | Amortization Term | XXXX | XXXX | Confirmed |
2502054 | XXXX | Amortization Term | XXXX | XXXX | Confirmed |
BPP3601159 | XXXX | Borrower 1 Last Name | XXXX | XXXX | Per note |
FF14 | XXXX | DSCR | 1.73 | 1.35 | |
2502054 | XXXX | DSCR | 2.2 | 2.80 | |
220487 | XXXX | DSCR | 1.83 | 1.69 | |
KPRE-0069 | XXXX | DSCR | 1.16 | 1.61 | |
WD0920 | XXXX | DSCR | 0.9 | 1.18 | |
BPP3601306 | XXXX | DSCR | 1.55 | 1.88 | |
BPP3601372 | XXXX | DSCR | 1.88 | 1.70 | |
BPP3601219 | XXXX | DSCR | 1.23 | 1.11 | |
BPP3601222 | XXXX | DSCR | 1.56 | 1.30 | |
121777 | XXXX | DSCR | 1.01 | 1.25 | |
122828 | XXXX | DSCR | 1.23 | 3.64 | |
104755 | XXXX | Closing/Settlement Date | XX/XX/XXXX | XX/XX/XXXX | |
104842 | XXXX | Closing/Settlement Date | XX/XX/XXXX | XX/XX/XXXX | |
122339 | XXXX | Closing/Settlement Date | XX/XX/XXXX | XX/XX/XXXX | |
72879 | XXXX | Closing/Settlement Date | XX/XX/XXXX | XX/XX/XXXX | |
72880 | XXXX | Closing/Settlement Date | XX/XX/XXXX | XX/XX/XXXX | |
72877 | XXXX | Closing/Settlement Date | XX/XX/XXXX | XX/XX/XXXX | |
7000012 | XXXX | CLTV | 69.33 | 0.70 | |
FF12 | XXXX | CLTV | 76.52 | 0.78 | |
FF15 | XXXX | CLTV | 72.51 | 0.75 | |
BPP3600896 | XXXX | Calculated DSCR | 1.21 | 1.08 | calculated with 1007 info and qualifying data |
46142 | XXXX | DSCR | 0.93 | 1.47 | |
BPP3601588 | XXXX | Calculated DSCR | 1.11 | 1.00 | DSCR had to be 1 or greater. |
BPP3601227 | XXXX | Calculated DSCR | 1.22 | 1.10 | Validated PITIA supports 1.22 DSCR |
121834 | XXXX | DSCR | 1.49 | 3.12 | |
7000005 | XXXX | DSCR | 1.14 | 1.96 | |
7000006 | XXXX | DSCR | 1.22 | 1.96 | |
7000007 | XXXX | DSCR | 1.13 | 1.96 | |
7000008 | XXXX | DSCR | 1.1 | 1.95 | |
7000009 | XXXX | DSCR | 1.18 | 1.95 | |
7000011 | XXXX | DSCR | 1.18 | 1.95 | |
7000012 | XXXX | DSCR | 1.16 | 1.95 | |
BPP3601195 | XXXX | DSCR | 1.45 | 1.30 | |
BPP3601250 | XXXX | DSCR | 1.11 | 1.00 | |
BPP3601151 | XXXX | DSCR | 1.05 | 1.01 | |
BPP3601159 | XXXX | DSCR | 1.25 | 1.13 | |
BPP3601271 | XXXX | DSCR | 1.95 | 1.76 | |
BPP3601489 | XXXX | DSCR | 1.46 | 1.42 | |
BPP3601519 | XXXX | DSCR | 1.45 | 1.31 | |
72879 | XXXX | Interest Only Term | XXXX | XXXX | |
72880 | XXXX | Interest Only Term | XXXX | XXXX | |
72877 | XXXX | Interest Only Term | XXXX | XXXX | |
BPP3601385 | XXXX | Calculated DSCR | 1.02 | 1.10 | Using 105% of market rent DSCR is 1.02 |
106986 | XXXX | DSCR | 1.32 | 1.65 | 1.09 |
104755 | XXXX | DSCR | 1.02 | 1.31 | DSCR is 1.02 per appraisal |
72879 | XXXX | Interest Rate | XXXX | XXXX | |
72880 | XXXX | Interest Rate | XXXX | XXXX | |
72877 | XXXX | Interest Rate | XXXX | XXXX | |
FF12 | XXXX | Interest Rate | XXXX | XXXX | |
FF15 | XXXX | Interest Rate | XXXX | XXXX | |
FF42 | XXXX | Interest Rate | XXXX | XXXX | |
104842 | XXXX | DSCR | 1.03 | 1.41 | DSCR is 1.03. |
39wkgijp | XXXX | Interest Rate | XXXX | XXXX | Verified on Note |
84fxdgeb | XXXX | Interest Rate | XXXX | XXXX | Verified on Note |
FF14 | XXXX | Interest Rate | XXXX | XXXX | |
121777 | XXXX | Interest Rate | XXXX | XXXX | |
ATL50353 | XXXX | Interest Rate | XXXX | XXXX | Per Note the rate is XXX% |
ATL50345 | XXXX | Interest Rate | XXXX | XXXX | Per the Note the rate is XXX% |
ATL50331 | XXXX | Interest Rate | XXXX | XXXX | Verified Note pg 200 - rate XXX% |
220487 | XXXX | Interest Rate | XXXX | XXXX | rate is XXX% per the note |
WD0920 | XXXX | Loan Program | XX YR FIX | XX Year Rental | |
121816 | XXXX | Interest Rate | XXXX | XXXX | VERIFIED |
2502054 | XXXX | Loan Amount/Draw Amount | XXXX | XXXX | Confirmed pg 7 & 328 |
v3pdyyj2 | XXXX | Loan Program | XX Yr Fixed Rate | XX Year Rental | XX Year Fixed |
KPRE-0069 | XXXX | Loan Program | XX YEAR FIX | XX Year Rental | Verified Loan Term Sheet - pg 556 - XX Yr Fix |
105574 | XXXX | Loan Purpose | Refinance | Purchase | Refinance transaction per CD |
2111001 | XXXX | Loan Purpose | Refinance | Purchase | Refinance transaction per CD |
104755 | XXXX | LTV | 68.79 | 70.00% | LTV is 68.79 per appraisal. |
104843 | XXXX | LTV | 68.25 | 70.00% | LTV is 68.25 |
106927 | XXXX | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | Per Note, Maturity Date is XX/XX/XXXX. |
106968 | XXXX | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | Per Note, Maturity Date is XX/XX/XXXX. |
72879 | XXXX | Number of Units | 12 | 6 | |
122339 | XXXX | Prepayment Penalty Flag | Y | 0 | |
104755 | XXXX | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | Per Note, the maturity date is XX/XX/XXXX. |
121335 | XXXX | Prepayment Penalty Total Term | XX | XX | |
104842 | XXXX | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | Maturity date, per Note, is XX/XX/XXXX. |
104843 | XXXX | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | Per Note, maturity date is XX/XX/XXXX. |
2022-0044 | XXXX | Prepayment Penalty Total Term | XX | XX | |
jkxmnwbp | XXXX | Prepayment Penalty Total Term | XX | XX | |
72879 | XXXX | Prepayment Penalty Total Term | XX | XX | |
72880 | XXXX | Prepayment Penalty Total Term | XX | XX | |
72877 | XXXX | Prepayment Penalty Total Term | XX | XX | |
FF15 | XXXX | Prepayment Penalty Total Term | XX | XX | |
ATL50339 | XXXX | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | verified by note and dot. |
ATL50331 | XXXX | Prepayment Penalty Flag | Y | N | Verified PP pg 273Y PPP exists |
121655 | XXXX | Prepayment Penalty Total Term | XX | XX | Prepayment Penalty Total Term-XX months |
106992 | XXXX | Property Address | XXXX | TCR Loan 4/7 | |
PP102778 | XXXX | Property Address | XXXX | Portfolio Loan | |
107397 | XXXX | Property Address | XXXX | TCR Loan 7/7 | |
10003148 | XXXX | Prepayment Penalty Total Term | XX | XX | verified by note and dot. no prepayment penalty. |
BPP3601151 | XXXX | Prepayment Penalty Total Term | XX | XX | Per Note |
ATL50331 | XXXX | Prepayment Penalty Total Term | XX | XX | see PPP addendum |
106928 | XXXX | Property Address | XXXX | TCR Loan 2/7 | ADRESS IS XXXX |
BPP3601152 | XXXX | Property Address | XXXX | XXXX | verified by note and dot, unit number is XXX. |
BPP3601477 | XXXX | Property City | XXXX | Multi-Property | |
106928 | XXXX | Property City | XXXX | XXXX | PROPERTY CITY IS XXXX |
vqdmkbnx | XXXX | Property County | XXXX | Multi-Property | |
BPP3601477 | XXXX | Property County | XXXX | Multi-Property | |
106992 | XXXX | Property City | XXXX | XXXX | XXXX VERIFIED FROM PG 1 |
107416 | XXXX | Property City | XXXX | XXXX | XXXX |
BPP3601271 | XXXX | Property City | XXXX | XXXX | Per note |
10003148 | XXXX | Property County | XXXX | Multi-Property | XXXX county |
BPP3601151 | XXXX | Property Type | PUD | Single Family Detached | Property located in PUD based on loan documentation |
106928 | XXXX | Property Zip Code | XXXX | XXXX | ZIPCODE IS XXXX |
BPP3601477 | XXXX | Property Zip Code | XXXX | XXXX | |
FF14 | XXXX | Property Zip Code | XXXX | XXXX | |
106992 | XXXX | Property Zip Code | XXXX | XXXX | ZIP CODE IS XXXX |
107416 | XXXX | Property Zip Code | XXXX | XXXX | XXXX |
2390182 | XXXX | Property Zip Code | XXXX | XXXX | XXXX |
BPP3601151 | XXXX | Property Zip Code | XXXX | XXXX | Verified per loan documentation, ZIP is XXXX |
BPP3601598 | XXXX | Calculated DSCR | 1.45 | 1.31 | |
BPP3601151 | XXXX | Proposed HOA | 0 | 190.00 | HOA is $190/mo |
BPP3601227 | XXXX | Qualifying Total Reserves Number of Months | 0 | 23.86 | 100% of business funds not allowed per guidelines |
BPP3600896 | XXXX | Qualifying Total Reserves Number of Months | 168.6 | 107.77 | |
BPP3601588 | XXXX | Qualifying Total Reserves Number of Months | 10.48 | 9.39 | |
BPP3601598 | XXXX | Qualifying Total Reserves Number of Months | 10.66 | 16.55 | |
BPP3601282 | XXXX | Sales Price | XXXX | XXXXX | Loan is Cash Out Refinance |
BPP3601385 | XXXX | Qualifying Total Reserves Number of Months | 29.74 | 24.20 | |
BPP3601227 | XXXX | Sales Price | XXXX | XXXX | Contract addendum final sales price $XXXX |