EFMT DEPOSITOR LLC ABS-15G

Exhibit 99.06

 

 

ASF Addendum - Business Purpose
Run Date - 5/20/2025 2:52:51 PM
SitusAMC Loan ID Customer Loan ID Seller Loan ID Investor Loan Number Seller Name Originator Name Guideline Author Loan Program Loan Program Date Executed NOO Docs in File Lease In Place Flag Rental Purpose Actual In Place Rent Third Party Market Rent Estimate Third Party Rent Source Rental Income Used for Property DSCR Calculation Rental Source for Property DTI Calculation Calculated Monthly Debt Property DTI Investor DTI  Inverse DSCR Net Operating Income Total Debt Service DSCR Total DSCR PITIA Lease End Date Original Lease Term Lease in Place Flag Unit 1 Lease Start Date Unit 1 Lease End Date Unit 1 Original Lease Term Unit 1 Rental Purpose Unit 1 Actual In Place Rent Unit 1 Third Party Market Rent Estimate Unit 1 Lease in Place Flag Unit 2 Lease Start Date Unit 2 Lease End Date Unit 2 Original Lease Term Unit 2 Rental Purpose Unit 2 Actual In Place Rent Unit 2 Third Party Market Rent Estimate Unit 2 Lease in Place Flag Unit 3 Lease Start Date Unit 3 Lease End Date Unit 3 Original Lease Term Unit 3 Rental Purpose Unit 3 Actual In Place Rent Unit 3 Third Party Market Rent Estimate Unit 3 Lease in Place Flag Unit 4 Lease Start Date Unit 4 Lease End Date Unit 4 Original Lease Term Unit 4 Rental Purpose Unit 4 Actual In Place Rent Unit 4 Third Party Market Rent Estimate Unit 4 Lease in Place Flag Unit 5 Lease Start Date Unit 5 Lease End Date Unit 5 Original Lease Term Unit 5 Rental Purpose Unit 5 Actual In Place Rent Unit 5 Third Party Market Rent Estimate Unit 5 Lease in Place Flag Unit 6 Lease Start Date Unit 6 Lease End Date Unit 6 Original Lease Term Unit 6 Rental Purpose Unit 6 Actual In Place Rent Unit 6 Third Party Market Rent Estimate Unit 6 Lease in Place Flag Unit 7 Lease Start Date Unit 7 Lease End Date Unit 7 Original Lease Term Unit 7 Rental Purpose Unit 7 Actual In Place Rent Unit 7 Third Party Market Rent Estimate Unit 7 Lease in Place Flag Unit 8 Lease Start Date Unit 8 Lease End Date Unit 8 Original Lease Term Unit 8 Rental Purpose Unit 8 Actual In Place Rent Unit 8 Third Party Market Rent Estimate Unit 8 Lease in Place Flag Unit 9 Lease Start Date Unit 9 Lease End Date Unit 9 Original Lease Term Unit 9 Rental Purpose Unit 9 Actual In Place Rent Unit 9 Third Party Market Rent Estimate Unit 9 Lease in Place Flag Unit 10 Lease Start Date Unit 10 Lease End Date Unit 10 Original Lease Term Unit 10 Rental Purpose Unit 10 Actual In Place Rent Unit 10 Third Party Market Rent Estimate Unit 10 Rent Loss Insurance Rent Loss Insurance Amount HOA Flag HOA Monthly Premium Amount Monthly Property Tax Monthly Insurance Cost Asset Verification Blanket Mortgage Flag Number of Mortgaged Properties With Lender Number of Properties Foreign National Alternative Credit Documentation Foreign National Borrower 1 Foreign National Borrower 2 Investor Type Number of Years Property Owned Borrower Residency Status Co Borrower Residency Status Qualifying Credit Score Months Bankruptcy 7 11  Months Bankruptcy 13  Months Deed in Lieu Months Short Sale or Pre FC  Prior Mtg Rent Late 30d in 12m  Prior Mtg Rent Late 60d in 12m  Prior Mtg Rent Late 90d in 12m  Prior Mtg Rent Late 30d in 24m  Prior Mtg Rent Late 60d in 24m  Prior Mtg Rent Late 90d in 24m  Section 8 Street Address Borrower 1 Type Borrower 1 Designation Borrower 1 Employment Status Borrower 1 First Name Borrower 1 Last Name Borrower 1 Number of Mortgaged Properties Borrower 1 Citizenship Borrower 1 Documentation Used to Determine Legal Residency Borrower 1 Country Name Borrower 1 Asset Verification Level Borrower 1 Credit Order Date Borrower 1 Experian FICO Borrower 1 Experian FICO Model Used Borrower 1 Equifax FICO Borrower 1 Equifax FICO Model Used Borrower 1 TransUnion FICO Borrower 1 TransUnion FICO Model Used Borrower 2 Type Borrower 2 Designation Borrower 2 Employment Status Borrower 2 First Name Borrower 2 Last Name Borrower 2 Number of Mortgaged Properties Borrower 2 Citizenship Borrower 2 Documentation Used to Determine Legal Residency Borrower 2 Country Name Borrower 2 Asset Verification Level Borrower 2 Credit Order Date Borrower 2 Experian FICO Borrower 2 Experian FICO Model Used Borrower 2 Equifax FICO Borrower 2 Equifax FICO Model Used Borrower 2 TransUnion FICO Borrower 2 TransUnion FICO Model Used Borrower 3 Designation Borrower 3 First Name Borrower 3 Last Name Borrower 3 Number of Mortgaged Properties Borrower 3 Citizenship Borrower 3 Documentation Used to Determine Legal Residency Borrower 3 Country Name Borrower 3 Asset Verification Level Borrower 3 Credit Order Date Borrower 3 Experian FICO Borrower 3 Experian FICO Model Used Borrower 3 Equifax FICO Borrower 3 Equifax FICO Model Used Borrower 3 TransUnion FICO Borrower 3 TransUnion FICO Model Used Borrower 4 Designation Borrower 4 First Name Borrower 4 Last Name Borrower 4 Number of Mortgaged Properties Borrower 4 Citizenship Borrower 4 Documentation Used to Determine Legal Residency Borrower 4 Country Name Borrower 4 Asset Verification Level Borrower 4 Credit Order Date Borrower 4 Experian FICO Borrower 4 Experian FICO Model Used Borrower 4 Equifax FICO Borrower 4 Equifax FICO Model Used Borrower 4 TransUnion FICO Borrower 4 TransUnion FICO Model Used Personal Guarantee Guarantor 1 First Name Guarantor 1 Last Name Guarantor 1 Business Ownership Percent Guarantor 1 Recourse Type Guarantor 1 Number of Mortgaged Properties Guarantor 1 Citizenship Guarantor 1 Documentation Used to Determine Legal Residency Guarantor 1 Country Name Guarantor 1 Asset Verification Level Guarantor 1 Employment Verification Level Guarantor 1 Income Verification Level Guarantor 1 FICO Model Used Guarantor 1 Credit Order Date Guarantor 1 Experian FICO Guarantor 1 Experian FICO Model Used Guarantor 1 Equifax FICO Guarantor 1 Equifax FICO Model Used Guarantor 1 TransUnion FICO Guarantor 1 TransUnion FICO Model Used Guarantor 1 Most Recent Fico Method Guarantor 2 First Name Guarantor 2 Last Name Guarantor 2 Business Ownership Percent Guarantor 2 Recourse Type Guarantor 2 Number of Mortgaged Properties Guarantor 2 Citizenship Guarantor 2 Documentation Used to Determine Legal Residency Guarantor 2 Country Name Guarantor 2 Asset Verification Level Guarantor 2 Employment Verification Level Guarantor 2 Income Verification Level Guarantor 2 FICO Model Used Guarantor 2 Credit Order Date Guarantor 2 Experian FICO Guarantor 2 Experian FICO Model Used Guarantor 2 Equifax FICO Guarantor 2 Equifax FICO Model Used Guarantor 2 TransUnion FICO Guarantor 2 TransUnion FICO Model Used Guarantor 2 Most Recent Fico Method Guarantor 3 First Name Guarantor 3 Last Name Guarantor 3 Business Ownership Percent Guarantor 3 Recourse Type Guarantor 3 Number of Mortgaged Properties Guarantor 3 Citizenship Guarantor 3 Documentation Used to Determine Legal Residency Guarantor 3 Country Name Guarantor 3 Asset Verification Level Guarantor 3 Employment Verification Level Guarantor 3 Income Verification Level Guarantor 3 FICO Model Used Guarantor 3 Credit Order Date Guarantor 3 Experian FICO Guarantor 3 Experian FICO Model Used Guarantor 3 Equifax FICO Guarantor 3 Equifax FICO Model Used Guarantor 3 TransUnion FICO Guarantor 3 TransUnion FICO Model Used Guarantor 3 Most Recent Fico Method Guarantor 4 First Name Guarantor 4 Last Name Guarantor 4 Business Ownership Percent Guarantor 4 Recourse Type Guarantor 4 Number of Mortgaged Properties Guarantor 4 Citizenship Guarantor 4 Documentation Used to Determine Legal Residency Guarantor 4 Country Name Guarantor 4 Asset Verification Level Guarantor 4 Employment Verification Level Guarantor 4 Income Verification Level Guarantor 4 FICO Model Used Guarantor 4 Credit Order Date Guarantor 4 Experian FICO Guarantor 4 Experian FICO Model Used Guarantor 4 Equifax FICO Guarantor 4 Equifax FICO Model Used Guarantor 4 TransUnion FICO Guarantor 4 TransUnion FICO Model Used Guarantor 4 Most Recent Fico Method Authorized Signor 1 First Name Authorized Signor 1 Last Name Authorized Signor 2 First Name Authorized Signor 2 Last Name Member 1 First Name Member 1 Last Name Member 1 Documentation Used to Determine Legal Residency Member 1 Credit Order Date Member 1 Experian FICO Member 1 Experian FICO Model Used Member 1 Equifax FICO Member 1 Equifax FICO Model Used Member 1 TransUnion FICO Member 1 TransUnion FICO Model Used Member 1 Asset Verification Level Member 1 Employment Verification Level Member 1 Income Verification Level Member 2 First Name Member 2 Last Name Member 2 Documentation Used to Determine Legal Residency Member 2 Credit Order Date Member 2 Experian FICO Member 2 Experian FICO Model Used Member 2 Equifax FICO Member 2 Equifax FICO Model Used Member 2 TransUnion FICO Member 2 TransUnion FICO Model Used Member 2 Asset Verification Level Member 2 Employment Verification Level Member 2 Income Verification Level Loan Application Date Sales Contract Date Qualifying Home Value for LTV Number of Units Year Built Total Sq Ft Number of Bedrooms Number of Bathrooms Property Condition Acquisition Cost Renovation Cost Effective Gross Income Turnover Costs Repairs and Maintenance Marketing and Leasing Costs Utilities Other Costs Cap Ex Reserve Investment Property Original As Is LTV As Is Value After Repair Value After Repair Value LTV Loan to Cost Original Sales Price Assignment Fee Loan to Purchase Price SBC Occupancy Investment Property Type Has Dutch Interest Interest Reserves Escrowed Borrower 1 ITIN Flag Borrower 2 ITIN Flag Borrower 3 ITIN Flag Borrower 4 ITIN Flag Guarantor 1 ITIN Flag Guarantor 2 ITIN Flag Guarantor 3 ITIN Flag Guarantor 4 ITIN Flag
xxx 24110020301 xxx             Yes No Long Term       xxx Third Party Rental Source xxx   0.000000 xxx     xxx xxx xxx     No       Long Term   xxx                                                                                                                               Yes xxx     xxx xxx Level 4-Stated/Verified as defined No xxx xxx No No   Experienced Investor   US Citizen   xxx         0 0 0 0 0 0     Individual Individual       2 US Citizen     Level 4-Stated/Verified as defined xxx xxx Fair Isaac (VER. 2) xxx FICO Classic V5 Facta xxx FICO Risk Score Classic 04                                                                                               No                                                                                                                                                                                                                                 xxx 1         C3                   xxx xxx           xxx                        
xxx 24120020567 xxx             Yes Yes Long Term       xxx Multiple Sources xxx   0.000000 xxx     xxx xxx xxx     No       Long Term   xxx Yes xxx xxx 12 Long Term xxx xxx No       Long Term   xxx                                                                                                   Yes xxx     xxx xxx Level 4-Stated/Verified as defined No xxx xxx No     Experienced Investor       xxx         0 0 0 0 0 0     LLC Business Entity       1       Level 4-Stated/Verified as defined xxx xxx   xxx   xxx                                                                                                 Yes     xxx xxx 1 US Citizen     Level 4-Stated/Verified as defined     Classic xxx xxx Fair Isaac (VER. 2) xxx FICO Classic V5 Facta xxx FICO Risk Score Classic 04 3                                                                                                                                                                                         xxx 3         Average                   xxx xxx           xxx                        
xxx 24120020980 xxx             Yes Yes Long Term       xxx Rent on Existing Lease xxx   0.000000 xxx     xxx xxx xxx     Yes xxx xxx xxx Long Term xxx xxx Yes xxx xxx 11 Long Term xxx xxx                                                                                                                 Yes xxx     xxx xxx Level 4-Stated/Verified as defined No xxx xxx No No   Experienced Investor   US Citizen   xxx         0 0 0 0 0 0     Individual Individual       2 US Citizen     Level 4-Stated/Verified as defined xxx xxx FICO II xxx Beacon 5.0 xxx FICO Risk Score Classic 04                                                                                               No                                                                                                                                                                                                                                 xxx 2         Average                   xxx xxx           xxx                        
xxx 24110020006 xxx             Yes No Long Term       xxx Third Party Rental Source xxx   0.000000 xxx     xxx xxx xxx     No       Long Term   xxx                                                                                                                               Yes xxx     xxx xxx Level 4-Stated/Verified as defined No xxx xxx No No   First-Time Investor   US Citizen   xxx         0 0 0 0 0 0     Individual Individual       1 US Citizen     Level 4-Stated/Verified as defined xxx xxx Fair Isaac (VER. 2) xxx FICO Classic V5 Facta xxx FICO Risk Score Classic 04                                                                                               No                                                                                                                                                                                                                                 xxx 1         C3                   xxx xxx           xxx                        
xxx 24120020867 xxx             Yes No Long Term       xxx Third Party Rental Source xxx   0.000000 xxx     xxx xxx xxx     No       Long Term   xxx No       Long Term   x                                                                                                                 Yes xxx     xxx xxx Level 3-Stated/Partially Verified No xxx xxx No No   Experienced Investor   US Citizen   xxx         0 0 0 0 0 0     Individual Individual       8 US Citizen     Level 3-Stated/Partially Verified xxx xxx Fair Isaac (VER. 2) xxx FICO Classic V5 Facta xxx FICO Risk Score Classic 04                                                                                               No                                                                                                                                                                                                                                 xxx 2         C4                   xxx xxx           xxx                        
xxx 25020022602 xxx             Yes No Long Term       xxx Third Party Rental Source xxx   0.000000 xxx     xxx xxx xxx     No       Long Term   xxx                                                                                                                               Yes xxx     xxx xxx Level 4-Stated/Verified as defined No xxx xxx No No   Experienced Investor   US Citizen   xxx         0 0 0 0 0 0     Individual Individual       5 US Citizen     Level 4-Stated/Verified as defined xxx xxx Fair Isaac (VER. 2) xxx FICO Classic V5 Facta xxx FICO Risk Score Classic 04                                                                                               No                                                                                                                                                                                                                                 xxx 1         C3                   xxx xxx           xxx                        
xxx 25020022373 xxx             Yes Yes Long Term       xxx Third Party Rental Source xxx   0.000000 xxx     xxx xxx xxx     Yes xxx xxx xxx Long Term xxx xxx Yes xxx xxx 12 Long Term xxx x                                                                                                                 Yes xxx     xxx xxx Level 4-Stated/Verified as defined No xxx xxx No No   Experienced Investor xxx US Citizen   xxx         0 0 0 0 0 0     Individual Individual       3 US Citizen     Level 4-Stated/Verified as defined xxx xxx Fair Isaac (VER. 2) xxx FICO Classic V5 Facta xxx FICO Risk Score Classic 04                                                                                               No                                                                                                                                                                                                                                 xxx 2         Average                   xxx xxx           xxx                        
xxx 25020022214 xxx             Yes No Long Term       xxx Third Party Rental Source xxx   0.000000 xxx     xxx xxx xxx     No       Long Term   xxx No       Long Term   x                                                                                                                 Yes       xxx xxx Level 4-Stated/Verified as defined No xxx xxx No No   Experienced Investor   US Citizen   xxx         0 0 0 0 0 0     Individual Individual       1 US Citizen     Level 4-Stated/Verified as defined xxx xxx Fair Isaac (VER. 2) xxx FICO Classic V5 Facta xxx FICO Risk Score Classic 04                                                                                               No                                                                                                                                                                                                                                 xxx 2         Average                   xxx xxx           xxx