EFMT DEPOSITOR LLC ABS-15G

Exhibit 99.05

 

 

Supplemental Data
Run Date - 5/20/2025 2:52:50 PM
SitusAMC Loan ID Customer Loan ID Seller Loan ID Investor Loan Number TILA Status Loan Designation Exempt QM/ATR Equivalency CDFI Bank Originated Loan Application Date TRID Tested GSE HOEPA Fees TILA Fees Rate Lock Date Calculated APR Original P&I Qualifying P&I Qualifying Rate Is Borrower Non Occupant Is Co Borrower Non Occupant Borrower Employment Indicator Co Borrower Employment Indicator Co Borrower 2 Employment Indicator Co Borrower 3 Employment Indicator Co Borrower2 Length of Employment Co Borrower3 Length of Employment Borrower Foreign National Indicator Co Borrower Foreign National Indicator Co Borrower 2 Foreign National Indicator Co Borrower 3 Foreign National Indicator Borrower Country Name Co Borrower Country Name Co Borrower2 Country Name Co Borrower3 Country Name Residual Income Num Units Annual Property Tax Annual Insurance Costs Monthly Property Tax Monthly Insurance Costs HOA Name HOA Address State Fee Amount Next Due Date HOA Payment Frequency Investor DTI QM DTI Non QM DTI Original Credit Report Date Qualifying Credit Score Third Wage Earner Original FICO Equifax Third Wage Earner Original FICO Experian Third Wage Earner Original FICO Transunion Fourth Wage Earner Original FICO Equifax Fourth Wage Earner Original FICO Experian Fourth Wage Earner Original FICO Transunion Most Recent Updated Credit Report Date Primary Wage Earner Updated FICO Equifax Primary Wage Earner Updated FICO Experian Primary Wage Earner Updated FICO Transunion Secondary Wage Earner Updated FICO Equifax Secondary Wage Earner Updated FICO Experian Secondary Wage Earner Updated FICO Transunion Third Wage Earner Updated FICO Equifax Third Wage Earner Updated FICO Experian Third Wage Earner Updated FICO Transunion Fourth Wage Earner Updated FICO Equifax Fourth Wage Earner Updated FICO Experian Fourth Wage Earner Updated FICO Transunion Most Recent Updated Co Borrower 2 FICO Most Recent Updated Co Borrower 3 FICO Co Borrower 2 Asset Verification Level Co Borrower 3 Asset Verification Level Co Borrower 2 Income Verification Level Co Borrower 3 Income Verification Level Co Borrower 2 Employment Verification Level Co Borrower 3 Employment Verification Level Asset Depletion Flag Bank Statements Flag Number of Statements Type of Statements Percent of Income From Statements Borrower Business Ownership % CoBorrower Business Ownership % P&L Type Income Doc Detail Tax Return Doc Details Document Level Document Type Most Recent Bankruptcy Type Most Recent Bankruptcy Filing Date Most Recent Bankruptcy Discharge Date Number of Bankruptcy Events Months Bankruptcy (7, 11)  Months Bankruptcy (13)  Most Recent Deed-in -Lieu Date Number of Deed-in-Lieu Events Months Deed-in-Lieu Most Recent Short Sale Date Number of Short Sale Events Months Short Sale (or Pre FC)  Most Recent Foreclosure Date Number of Foreclosure Events Months Foreclosure Prior Mortgage/Rent Late 30d in 24m  Prior Mortgage/Rent Late 60d in 24m  Prior Mortgage/Rent Late 90d in 24m  Has ACH Guideline Name UW Guideline Author ATR QM Total Points and Fees Audit Loan Regulation Benchmark Date Benchmark Rate HUD 1 Page 1 Credits Total Collateral Underwriter Risk Score AUS Decision System Property Inspection Waiver (PIW) Rating Result Eligible For Rep and Warrant Relief Per Collateral Advisor Is Equity Shared Loan Investor Qualifying Rate Borrower Years of W2s CoBorrower Years of W2s Years of Personal Tax Returns Years of Business Tax Returns Years of 4506T Years of Tax Transcripts Months of Personal Bank Statements Months of Business Bank Statements Months of Profit and Loss Statements Expense Letter DSCR Inverse DSCR Subordinate Lien Type Is Shared Appreciation Mortgage Duration of Payout Months Seller VSH Indicator Seller Indicated VSH Guideline Validated VSH IO Remaining Amortization Term at Recast Maturity Date Borrower Own Funds Cash Amount Borrower Own Funds Percent Is the Note an eNote Borrower WVOE - # of Months of Income provided Co Borrower WVOE - # of Months of Income provided Co Borrower2 WVOE - # of Months of Income provided Co Borrower3 WVOE - # of Months of Income provided Were the origination guidelines utilized for this diligence review? Title Evidence Ownership Type Borrower Type Borrower Designation Co Borrower Type Co Borrower Designation Co Borrower2 Type Co Borrower2 Designation Co Borrower3 Type Co Borrower3 Designation Senior Lien Position Senior Lien Original Loan Amount Senior Lien Original Interest Rate Senior Lien Note Projected Closing Date Senior Lien Current Balance Senior Lien Current P&I Loan Closed in the Name of an Entity Note Executed by Assumable Mortgage Flag Leasehold Flag Buydown Flag Borrower Experian FICO Model Used Borrower Equifax FICO Model Used Borrower TransUnion FICO Model Used Co Borrower Experian FICO Model Used Co Borrower Equifax FICO Model Used Co Borrower TransUnion FICO Model Used Co Borrower2 Experian FICO Model Used Co Borrower2 Equifax FICO Model Used Co Borrower2 TransUnion FICO Model Used Co Borrower3 Experian FICO Model Used Co Borrower3 Equifax FICO Model Used Co Borrower3 TransUnion FICO Model Used Borrower Documentation Used to Determine Legal Residency Co Borrower Documentation Used to Determine Legal Residency Co Borrower2 Documentation Used to Determine Legal Residency Co Borrower3 Documentation Used to Determine Legal Residency Delayed Financing? Months Reserves Correspondent Type Departure Residence Rate Increase on Default MERS Min Number Co Borrower Other Income Co Borrower Wage Income
xxx CASDW180003777 xxx   xxx       Yes No xxx xxx   xxx xxx xxx xxx No xxx xxx xxx         US Citizen US Citizen             xxx xxx xxx xxx xxx xxx           xxx xxx xxx xxx xxx                                                       No Yes 24 Business 81.000%       [Borrower -  | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: % | Expense Ratio Source:  | # of Bank Statements Required: ]; Account Statements - Business - 2018
[Borrower -  | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: % | Expense Ratio Source:  | # of Bank Statements Required: ]; Third Party Verification - 2018
[Borrower -  | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: % | Expense Ratio Source:  | # of Bank Statements Required: ]; Third Party Verification - 2018
[Borrower -  | Non-Primary Income - Social Security]; Account Statements - 2018
[Borrower -  | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2018		 [Borrower]; 1084 or income worksheet - Year Not Available Alternative Documentation (A) 24mo Bank Statement                               xxx xxx xxx     xxx xxx   xxx xxx   None     N/A No xxx 0 0 0 0 0 0   24 xxx No                   xxx xxx xxx             Commitment Fee Simple Individual Individual Individual Individual                     No Individual No                                       xxx     No xxx $0.00 $0.00
xxx CASDW190004166 xxx   xxx       Yes No xxx xxx   xxx xxx xxx xxx No xxx xxx           US Citizen               xxx xxx xxx xxx xxx xxx           xxx xxx xxx xxx xxx                                                       No Yes 24 Personal 100.000% 100.000%     [Borrower -  | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: % | Expense Ratio Source:  | # of Bank Statements Required: ]; Account Statements - Personal - 2019
[Borrower -  | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: % | Expense Ratio Source:  | # of Bank Statements Required: ]; Third Party Verification - 2019		 [Borrower]; 1084 or income worksheet - Year Not Available Alternative Documentation (A) 24mo Bank Statement                               xxx xxx xxx     xxx xxx   xxx xxx   None     N/A No xxx 0   0 0 0 0 24   xxx No                   xxx xxx xxx             Commitment Fee Simple Individual Individual                         No Individual No                                       xxx     No xxx $0.00 $0.00
xxx 304367569 xxx   xxx       Yes No xxx xxx   xxx xxx xxx xxx No xxx xxx           US Citizen               xxx xxx xxx xxx xxx xxx           xxx xxx xxx xxx xxx                                                       No Yes 24 Business 100.000% 25.000%     [Borrower -  | Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2024
[Borrower -  | Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2024
[Borrower -  | Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2024		 [Borrower]; 1084 or income worksheet - Year Not Available Alternative Documentation (A) 24mo Bank Statement                               xxx xxx xxx No   xxx xxx   xxx xxx 1.0 None     Yes No xxx 0   0 0 0 0   24 xxx No                   xxx xxx xxx No         Yes Commitment Fee Simple Individual Individual                         No Individual No   No Fair Isaac (VER. 2) FICO Classic V5 Facta FICO Risk Score Classic 04                             xxx   Yes No xxx $0.00 $0.00
xxx 304366470 xxx   xxx       Yes No xxx xxx   xxx xxx xxx xxx No xxx xxx           US Citizen               xxx xxx xxx xxx xxx xxx           xxx xxx xxx xxx xxx                                                       No Yes 12 Business 100.000% 100.000%     [Borrower -  | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2024
[Borrower -  | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2024
[Borrower -  | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2024		 [Borrower]; 1084 or income worksheet - Year Not Available Alternative Documentation (A) 12mo Bank Statement                               xxx xxx xxx No   xxx xxx   xxx xxx 4.6 None     No No xxx 0   0 0 0 0   12 xxx No                   xxx xxx xxx No         Yes Commitment Fee Simple Individual Individual                         No Individual No   No Fair Isaac (VER. 2) FICO Classic V5 Facta FICO Risk Score Classic 04                           No xxx   No No xxx $0.00 $0.00
xxx 22024080156 xxx   xxx       Yes No xxx xxx   xxx xxx xxx xxx No xxx xxx           US Citizen               xxx xxx xxx xxx xxx xxx           xxx xxx xxx xxx xxx                                                       No Yes 12 Business 100.000% 50.000%     [Borrower -  | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024
[Borrower -  | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2024
[Borrower -  | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024
[Borrower -  | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024
[Borrower -  | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2024
[Borrower -  | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2024
[Borrower -  | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2003		 [Borrower]; 1084 or income worksheet - Year Not Available Alternative Documentation (A) 12mo Bank Statement                               xxx xxx xxx     xxx xxx   xxx xxx   None     N/A No xxx 0   0 0 0 0   12 xxx No                   xxx xxx xxx No         Yes Commitment Fee Simple Individual Individual                         No Individual No   No Fair Isaac (VER. 2) FICO Classic V5 Facta FICO Risk Score Classic 04                             xxx   No No xxx $0.00 $0.00
xxx 24120021150 xxx   xxx       Yes No xxx xxx   xxx xxx xxx xxx No xxx xxx           US Citizen               xxx xxx xxx xxx xxx xxx           xxx xxx xxx xxx xxx                                                       No Yes 48 Business 100.000% 100.000%     [Borrower -  | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.80000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Third Party Verification - 2025
[Borrower -  | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.80000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Account Statements - Business - 2024
[Borrower -  | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.80000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; CPA Letter - 2024
[Borrower -  | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.80000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Other - 2024
[Borrower -  | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.80000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Other - 2024
[Borrower -  | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.80000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Third Party Verification - 2025
[Borrower -  | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.80000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Account Statements - Business - 2024
[Borrower -  | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.80000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; CPA Letter - 2024
[Borrower -  | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.80000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Other - 2024
[Borrower -  | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.80000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Other - 2024		 [Borrower]; 1084 or income worksheet - Year Not Available Alternative Documentation (A) 24mo Bank Statement                               xxx xxx xxx     xxx xxx   xxx xxx 3.1 None     Yes No xxx 0   0 0 0 0   24 xxx No                   xxx xxx xxx No         Yes Commitment Fee Simple Individual Individual                         No Individual No   No Fair Isaac (VER. 2) FICO Classic V5 Facta FICO Risk Score Classic 04                             xxx     No xxx $0.00 $0.00
xxx 24120020572 xxx   xxx       Yes No xxx xxx   xxx xxx xxx xxx No xxx xxx           US Citizen               xxx xxx xxx xxx xxx xxx           xxx xxx xxx xxx xxx                                                       No Yes 12 Business 100.000% 50.000%     [Borrower -  | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024
[Borrower -  | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2024		 [Borrower]; 1084 or income worksheet - Year Not Available Alternative Documentation (A) 12mo Bank Statement                               xxx xxx xxx     xxx xxx   xxx xxx   None     N/A No xxx 0   0 0 0 0   12 xxx No                   xxx xxx xxx No         Yes Preliminary Fee Simple Individual Individual                         No Individual No   No Fair Isaac (VER. 2) Beacon 5.0 FICO Risk Score Classic 04                           No xxx   No No xxx $0.00 $0.00
xxx 24110020506 xxx   xxx       Yes No xxx xxx   xxx xxx xxx xxx No xxx xxx           US Citizen               xxx xxx xxx xxx xxx xxx           xxx xxx xxx xxx xxx                                                       No Yes 12 Business 100.000% 100.000%     [Borrower -  | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025
[Borrower -  | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024
[Borrower -  | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2024		 [Borrower]; 1084 or income worksheet - Year Not Available Alternative Documentation (A) 12mo Bank Statement                               xxx xxx xxx     xxx xxx   xxx xxx 2.8 None     No No xxx 0   0 0 0 0   12 xxx No                   xxx xxx xxx No         Yes Commitment Fee Simple Individual Individual                         No Individual No   No Fair Isaac (VER. 2) FICO Classic V5 Facta FICO Risk Score Classic 04                           No xxx   No No xxx $0.00 $0.00
xxx 24120021116 xxx   xxx       Yes No xxx xxx   xxx xxx xxx xxx No xxx xxx xxx         US Citizen US Citizen             xxx xxx xxx xxx xxx xxx           xxx xxx xxx xxx xxx                                                       No Yes 12 Business 100.000%   25.000%   [Coborrower(s) -  | Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025
[Coborrower(s) -  | Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025
[Coborrower(s) -  | Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025
[Coborrower(s) -  | Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2024		 [Coborrower]; 1084 or income worksheet - Year Not Available Alternative Documentation (A) 12mo Bank Statement                               xxx xxx xxx     xxx xxx   xxx xxx 1.7 None     Yes No xxx 0 0 0 0 0 0   12 xxx No                 240 xxx xxx xxx No         Yes Preliminary Fee Simple Individual Individual Individual Individual                     No Individual No   No Fair Isaac (VER. 2) FICO Classic V5 Facta FICO Risk Score Classic 04 Fair Isaac (VER. 2) FICO Classic V5 Facta FICO Risk Score Classic 04                     No xxx   No No xxx $432,409.35 $0.00
xxx 25010021502 xxx   xxx       Yes No xxx xxx   xxx xxx xxx xxx No xxx xxx xxx         US Citizen US Citizen             xxx xxx xxx xxx xxx xxx           xxx xxx xxx xxx xxx                                                       No Yes 12 Business 100.000%   100.000%   [Coborrower(s) -  | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025
[Coborrower(s) -  | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025
[Coborrower(s) -  | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025
[Coborrower(s) -  | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025
[Coborrower(s) -  | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024		 [Coborrower]; 1084 or income worksheet - Year Not Available
[Coborrower]; 1084 or income worksheet - Year Not Available		 Alternative Documentation (A) 12mo Bank Statement                               xxx xxx xxx     xxx xxx   xxx xxx 3.0 None     No No xxx 0 0 0 0 0 0   12 xxx No                   xxx xxx xxx No         Yes Commitment Fee Simple Individual Individual Individual Individual                     No Individual No   No Fair Isaac (VER. 2) Beacon 5.0 FICO Risk Score Classic 04 Fair Isaac (VER. 2) Beacon 5.0 FICO Risk Score Classic 04                     No xxx     Yes xxx $28,036.10 $0.00
xxx 25020022251 xxx   xxx       Yes No xxx xxx   xxx xxx xxx xxx No xxx xxx           US Citizen               xxx xxx xxx xxx xxx xxx           xxx xxx xxx xxx xxx                                                       No No             [Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025
[Borrower -  | Primary Income - Wages]; The Work Number - Income - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower -  | Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024
[Borrower -  | Primary Income - Wages]; W-2 - 2023
[Borrower -  | Primary Income - Wages]; W-2 Transcript - 2023
[Borrower -  | Primary Income - Wages]; W-2 Transcript - 2022		 [Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2021
[Borrower]; 4506-C - 2020
[Borrower]; 4506-C - 2019
[Borrower]; 1084 or income worksheet - Year Not Available		 Full Documentation (F) 2yr Full Doc                               xxx xxx xxx     xxx xxx   xxx xxx 3.4 None     No No xxx 3   0 0 6 0     xxx No                   xxx xxx xxx No 25       Yes Preliminary Fee Simple Individual Individual                         No Individual No   No Fair Isaac (VER. 2) FICO Classic V5 Facta FICO Risk Score Classic 04                           No xxx     No xxx $0.00 $0.00
xxx 25020022484 xxx   xxx       Yes No xxx xxx   xxx xxx xxx xxx No xxx xxx xxx         US Citizen US Citizen             xxx xxx xxx xxx xxx xxx           xxx xxx xxx xxx xxx                                                       Yes No             [Borrower -  | Primary Income - Asset Depletion]; Account Statements - 2025
[Borrower -  | Primary Income - Asset Depletion]; Account Statements - 2025
[Borrower -  | Primary Income - Asset Depletion]; Account Statements - 2025
[Borrower -  | Primary Income - Asset Depletion]; Account Statements - 2025
[Borrower -  | Primary Income - Asset Depletion]; Account Statements - 2025
[Borrower -  | Primary Income - Asset Depletion]; Account Statements - 2025
[Borrower -  | Primary Income - Asset Depletion]; Account Statements - 2025
[Borrower -  | Primary Income - Asset Depletion]; Account Statements - 2025		 [Borrower]; 1084 or income worksheet - Year Not Available Other Documentation (O) Asset Depletion                               xxx xxx xxx     xxx xxx   xxx xxx 4.2 None     N/A No xxx 0 0 0 0 0 0     xxx No         Other         xxx xxx xxx No         Yes Commitment Fee Simple Individual Individual Individual Individual                     No Individual No   No Fair Isaac (VER. 2) FICO Classic V5 Facta FICO Risk Score Classic 04 Fair Isaac (VER. 2) FICO Classic V5 Facta FICO Risk Score Classic 04                       xxx   Yes No xxx $0.00 $0.00
xxx 24110020301 xxx   xxx       No No xxx xxx   xxx xxx xxx xxx No xxx xxx           US Citizen               xxx xxx xxx xxx xxx xxx           xxx xxx xxx xxx xxx                                                       No No                   DSCR                               xxx xxx xxx Yes   xxx xxx   xxx xxx 4.4       N/A No xxx 0   0 0 0 0     xxx No xxx xxx               xxx xxx xxx No         Yes Commitment Fee Simple Individual Individual                         No Individual Yes   No Fair Isaac (VER. 2) FICO Classic V5 Facta FICO Risk Score Classic 04                             xxx       xxx $0.00 $0.00
xxx 24120020567 xxx   xxx       No No xxx xxx   xxx xxx xxx xxx No xxx xxx             US Citizen             xxx xxx xxx xxx xxx xxx           xxx xxx xxx xxx xxx                                                       No No                   DSCR                               xxx xxx xxx Yes   xxx xxx   xxx xxx         N/A No xxx 0 0 0 0 0 0     xxx No xxx xxx               xxx xxx xxx No         Yes Commitment Fee Simple LLC Business Entity Individual Guarantor - Individual                     Yes Business Entity No   No       Fair Isaac (VER. 2) FICO Classic V5 Facta FICO Risk Score Classic 04                       xxx       xxx $0.00 $0.00
xxx 24120020980 xxx   xxx       No No xxx xxx   xxx xxx xxx xxx No xxx xxx           US Citizen               xxx xxx xxx xxx xxx xxx           xxx xxx xxx xxx xxx                                                       No No                   DSCR                               xxx xxx xxx Yes   xxx xxx   xxx xxx         N/A No xxx 0   0 0 0 0     xxx No xxx xxx             240 xxx xxx xxx No         Yes Preliminary Fee Simple Individual Individual                         No Individual No   No FICO II Beacon 5.0 FICO Risk Score Classic 04                             xxx       xxx $0.00 $0.00
xxx 24110020006 xxx   xxx       No No xxx xxx   xxx xxx xxx xxx No xxx xxx           US Citizen               xxx xxx xxx xxx xxx xxx           xxx xxx xxx xxx xxx                                                       No No                   DSCR                               xxx xxx xxx Yes   xxx xxx   xxx xxx 1.3       N/A No xxx 0   0 0 0 0     xxx No xxx xxx               xxx xxx xxx No         Yes Final Fee Simple Individual Individual                         No Individual No   No Fair Isaac (VER. 2) FICO Classic V5 Facta FICO Risk Score Classic 04                             xxx       xxx $0.00 $0.00
xxx 24120020867 xxx   xxx       No No xxx xxx   xxx xxx xxx xxx No xxx xxx           US Citizen               xxx xxx xxx xxx xxx xxx           xxx xxx xxx xxx xxx                                                       No No                   DSCR                               xxx xxx xxx Yes   xxx xxx   xxx xxx         N/A No xxx 0   0 0 0 0     xxx No xxx xxx               xxx xxx xxx No         Yes Final Fee Simple Individual Individual                         No Individual No   No Fair Isaac (VER. 2) FICO Classic V5 Facta FICO Risk Score Classic 04                             xxx       xxx $0.00 $0.00
xxx 25020022602 xxx   xxx       No No xxx xxx   xxx xxx xxx xxx No xxx xxx           US Citizen               xxx xxx xxx xxx xxx xxx           xxx xxx xxx xxx xxx                                                       No No                   DSCR                               xxx xxx xxx Yes   xxx xxx   xxx xxx 1.6       Yes No xxx 0   0 0 0 0     xxx No xxx xxx               xxx xxx xxx No         Yes Commitment Fee Simple Individual Individual                         No Individual No   No Fair Isaac (VER. 2) FICO Classic V5 Facta FICO Risk Score Classic 04                             xxx       xxx $0.00 $0.00
xxx 25020022373 xxx   xxx       No No xxx xxx   xxx xxx xxx xxx No xxx xxx           US Citizen               xxx xxx xxx xxx xxx xxx           xxx xxx xxx xxx xxx                                                       No No                   DSCR                               xxx xxx xxx Yes   xxx xxx   xxx xxx         N/A No xxx 0   0 0 0 0     xxx No xxx xxx               xxx xxx xxx No         Yes Commitment Fee Simple Individual Individual                         No Individual No   No Fair Isaac (VER. 2) FICO Classic V5 Facta FICO Risk Score Classic 04                           No xxx       xxx $0.00 $0.00
xxx 25020022214 xxx   xxx       No No xxx xxx   xxx xxx xxx xxx No xxx xxx           US Citizen               xxx xxx xxx xxx xxx xxx           xxx xxx xxx xxx xxx                                                       No No                   DSCR                               xxx xxx xxx Yes   xxx xxx   xxx xxx         N/A No xxx 0   0 0 0 0     xxx No xxx xxx               xxx xxx xxx No         Yes Commitment Fee Simple Individual Individual                         No Individual Yes   No Fair Isaac (VER. 2) FICO Classic V5 Facta FICO Risk Score Classic 04                             xxx       xxx $0.00 $0.00