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