EFMT DEPOSITOR LLC ABS-15G

Exhibit 99.13

 

Loan ID Redaction ID Investor Loan ID Loan Program Guideline Product Name Originator Name Originating Entity CDFI Flag Guideline Name Guideline Author Guideline Date Guideline Version Application Date TILA Status TRID GSE Verified Safe Harbor Flag Verified Safe Harbor Reference Document QM Regulation Failures ATR QM Total Points and Fees Audit Loan Regulation Benchmark Date Benchmark Rate AUS Decision System Rating Result Property Inspection Waiver (PIW) Calculated APR HUD 1 Page 1 Credits Total Verified Qualifying Rate Originator Qualifying Rate Qualifying P&I Default Interest Rate Present Default Interest Rate Annual Property Tax Monthly Property Tax Annual Insurance Costs Monthly Insurance Cost Annual HOA Costs Monthly HOA Costs Monthly Other Costs PITIA Residual Income HOA Questionnaire Flag HOA Name HOA Address State HOA Fee Amount HOA Next Due Date HOA Payment Frequency Originator DTI TPR Verified DTI QM DTI Is Borrower Non Occupant Is Co Borrower Non Occupant 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 Borrower Employment Indicator Co Borrower Employment Indicator Co Borrower 2 Employment Indicator Co Borrower 3 Employment Indicator Co Borrower 2 Length of Employment Co Borrower 3 Length of Employment Document Level Borrower Years of W2s/1099 CoBorrower Years of W2s/1099 Borrower Months of Paystubs Verified Co Borrower Months of Paystubs Verified Borrower Employment Gap Letter Borrower Months of Employment Gap Co Borrower Employment Gap Letter Co Borrower Months of Employment Gap Borrower Years of Personal Tax Returns Borrower Years of Business Tax Returns CoBorrower Years of Personal Tax Returns CoBorrower Years of Business Tax Returns Years of 4506T Years of Tax Transcripts Borrower Award/Offer Letter Co Borrower Award/Offer Letter Asset Depletion Flag Partial Asset Depletion Flag Asset Depletion Months Amortized Asset Utilization Flag (No DTI) Borrower Bank Statements Flag Borrower Bank Statement Summary/Lender Worksheet Borrower Number of Personal Bank Statements Borrower Number of Business Bank Statements CoBorrower Bank Statements Flag Co Borrower Bank Statement Summary/Lender Worksheet CoBorrower Number of Personal Bank Statements CoBorrower Number of Business Bank Statements Percent of Income From Statements Borrower Business Ownership % CoBorrower Business Ownership % Bespoke Eligible Assets Borrower P&L Type Borrower Number of Months P&L Borrower P&L Prepared By CoBorrower P&L Type CoBorrower P&L Prepared By CoBorrower Number of Months P&L Borrower CPA Letter Flag # of Months CPA verified income CoBorrower CPA Letter Flag CoBorrower # of Months CPA verified income Borrower WVOE Flag Borrower # of Months Employment Validated WVOE Borrower # of Months Income Validated WVOE Borrower WVOE Form Type CoBorrower WVOE Flag CoBorrower # of Months WVOE CoBorrower # of Months Income Validated WVOE CoBorrower WVOE Form Type DSCR Flag TPR DSCR Originator DSCR Expense Letter Income Doc Detail Tax Return Doc Details Property Address Property City Property State Property Zip Property County Original Credit Report Date Borrower 1 Credit Report Date Borrower 2 Credit Report Date Borrower 3 Credit Report Date Borrower 4 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 Co Borrower 2 FICO Most Recent Co Borrower 3 FICO Updated Credit Report Flag Updated Credit Report Date Updated FICO Method 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 Updated Primary Borrower FICO Updated Co Borrower FICO Updated Co Borrower 2 FICO Updated Co Borrower 3 FICO Updated Qualifying FICO 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 Lates 30d in 0-12m Prior Mortgage/Rent Lates 60d in 0-12m Prior Mortgage/Rent Lates 90d in 0-12m Prior Mortgage/Rent Lates 120d+ in 0-12m Prior Mortgage/Rent Lates 30d in 13-24m Prior Mortgage/Rent Lates 60d in 13-24m Prior Mortgage/Rent Lates 90d in 13-24m Prior Mortgage/Rent Lates 120d+ in 13-24m Prior Mortgage/Rent Late 30d in 24m Prior Mortgage/Rent Late 60d in 24m Prior Mortgage/Rent Late 90d in 24m Has ACH Is Equity Shared Loan Subordinate Lien Type Subordinate Lien Max Draw Amount (HELOC) Is Shared Appreciation Mortgage Borrower Originator Citizenship Designation Borrower Verified Citizenship Designation Borrower Individual Tax Identification Number (ITIN)? Borrower Photo Identification Type Borrower Photo Identification Other Type Borrower Photo ID State of Issuance Borrower Photo ID Country of Issuance Borrower Photo ID Expiration Date Borrower Passport Country of Origin Borrower Passport Expiration Date Borrower Non-US Citizen Identification Document Borrower Date of Resident Since/Valid Date Borrower Non-US Document Expiration Date Co Borrower Originator Citizenship Designation Co Borrower Verified Citizenship Designation Co Borrower Individual Tax Identification Number (ITIN)? Co Borrower Photo Identification Type Co Borrower Photo Identification Other Type Co Borrower Photo ID State of Issuance Co Borrower Photo ID Country of Issuance Co Borrower Photo ID Expiration Date Co Borrower Passport Country of Origin Co Borrower Passport Expiration Date Co Borrower Non-US Citizen Identification Document Co Borrower Date of Resident Since/Valid Date Co Borrower Non-US Document Expiration Date Co Borrower 2 Originator Citizenship Designation Co Borrower 2 Verified Citizenship Designation Co Borrower 2 Individual Tax Identification Number (ITIN)? Co Borrower 2 Photo Identification Type Co Borrower 2 Photo Identification Other Type Co Borrower 2 Photo ID State of Issuance Co Borrower 2 Photo ID Country of Issuance Co Borrower 2 Photo ID Expiration Date Co Borrower 2 Passport Country of Origin Co Borrower 2 Passport Expiration Date Co Borrower 2 Non-US Citizen Identification Document Co Borrower 2 Date of Resident Since/Valid Date Co Borrower 2 Non-US Document Expiration Date Co Borrower 3 Originator Citizenship Designation Co Borrower 3 Verified Citizenship Designation Co Borrower 3 Individual Tax Identification Number (ITIN)? Co Borrower 3 Photo Identification Type Co Borrower 3 Photo Identification Other Type Co Borrower 3 Photo ID State of Issuance Co Borrower 3 Photo ID Country of Issuance Co Borrower 3 Photo ID Expiration Date Co Borrower 3 Passport Country of Origin Co Borrower 3 Passport Expiration Date Co Borrower 3 Non-US Citizen Identification Document Co Borrower 3 Date of Resident Since/Valid Date Co Borrower 3 Non-US Document Expiration Date Property Rights Leasehold Lease Expiration Date Buydown Flag Assumable Mortgage Flag Foreign National Alternative Credit Documentation Liquid / Cash Reserves (ASF) Months Liquid Reserves Total Assets Available for Reserves Months Reserves Blanket Mortgage Flag Qualifying HCLTV Condo Warrantability Flag E-Note Flag O&E in lieu of Title Insurance Business Purpose Flag Borrower Note Executed As Co Borrower Note Executed As Co Borrower 2 Note Executed As Co Borrower 3 Note Executed As Borrower 1 Trust Name Borrower 2 Trust Name Borrower 3 Trust Name Borrower 4 Trust Name
XXXX 1923662 XXXX XXXX XXXX XXXX No XXXX XXXX 05/03/2024 5 XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A APOR Threshold 8865.88 08/05/2024 6.690%     No 9.788%   9.625%   $2,709.34 No   $5,312.52 $442.71 $2,071.80 $172.65 $0.00 $0.00 $0.00 $3,324.70 $31,844.30 N/A     $0.00     0.00% 12.33% 12.33% No               Self-Employed           12 Month Bank Statement 0 0 NA NA N/A 0 N/A 0 0 0 0 0 0 0 NA NA No No 0 No Yes Yes 0 12 No N/A 0 0 100.00% 100.00%     N/A 0 N/A N/A N/A 0 Yes 60 No 0 NA 0 0 N/A NA 0 0 N/A No 0 0.0   Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - 2023, 2024 Borrower - 2023, 2024 XXXX XXXX XX XXXX XXXX 07/08/2024 07/08/2024       663                 No                                       XX     XX       XX     XX     XX   0 0 0 0         0 0 0 Unknown No     No Non Permanent Resident Alien Non Permanent Resident Alien XXXX Standard Driver's License - Not for federal use   XX XXXX XXXX     Missing                                                                                   Fee Simple   No No ITIN Credit Report 27976.68 8.4 27976.68 8.4 No 75.0 N/A No No No Borrower As Individual N/A N/A N/A        
XXXX 1923658 XXXX XXXX XXXX XXXX No XXXX XXXX 08/01/2024 7 XXXX QM: Safe Harbor APOR (APOR SH) Yes No No N/A N/A 57634.63 07/29/2024 6.800%     No 7.774%   7.500%   $15,645.80 No   $23,088.84 $1,924.07 $11,793.96 $982.83 $0.00 $0.00 $0.00 $18,552.70 $43,248.88 N/A     $0.00     0.00% 42.80% 42.80% No No             Self-Employed Self-Employed         12 Month Bank Statement 0 0 NA NA N/A 0 N/A 0 0 0 0 0 0 0 NA NA No No 0 No Yes Yes 0 12 Yes N/A 0 12 100.00% 100.00% 50.00%   N/A 0 N/A N/A N/A 0 NA 0 No 0 NA 0 0 N/A NA 0 0 N/A No 0 0.0   Borrower - SECorporation, SECorporation, SECorporation - Business Bank Statements Verified - 2023, 2024 || Co Borrower - SECorporation - Business Bank Statements Verified - 2023 - 2023 Borrower - 2023, 2024 || Co Borrower - 2023 - 2023 XXXX XXXX XX XXXX XXXX 05/21/2024 05/21/2024 05/21/2024     732                 No                                       XX     XX       XX     XX     XX   0 0 0 0         0 0 0 Unknown No     No US Citizen US Citizen N/A       XXXX       N/A     US Citizen US Citizen XXXX       XXXX       N/A                                                         Fee Simple   No No N/A .00 0.0 425642.01 22.9 No 76.5 N/A No No No Borrower As Individual Borrower As Individual N/A N/A        
XXXX 1923652 XXXX XXXX XXXX XXXX No XXXX XXXX 09/05/2024 11 XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A APOR Threshold 13524 09/02/2024 6.350%     No 8.817%   8.375%   $3,131.50 No   $7,609.80 $634.15 $2,052.96 $171.08 $0.00 $0.00 $0.00 $3,936.73 $33,909.99 N/A     $0.00     0.00% 14.08% 14.08% No               Self-Employed           12 Month Bank Statement 0 0 NA NA N/A 0 N/A 0 0 0 0 0 0 0 NA NA No No 0 No Yes Yes 0 12 No N/A 0 0 100.00% 100.00%     N/A 0 N/A N/A N/A 0 NA 0 No 0 NA 0 0 N/A NA 0 0 N/A No 0 0.0   Borrower - SESoleProprietor - Business Bank Statements Verified - 2024, 2023 Borrower - 2024, 2023 XXXX XXXX XX XXXX XXXX 07/05/2024 07/05/2024       688                 No                                       XX     XX       XX     XX     XX   0 0 0 0         0 0 0 Unknown No     No Non Permanent Resident Alien Non Permanent Resident Alien XXXX Standard Driver's License - Not for federal use   XX XXXX XXXX     N/A                                                                                   Fee Simple   No No ITIN Credit Report 23649.04 6.0 23649.04 6.0 No 80.0 N/A No No No Borrower As Individual N/A N/A N/A        
XXXX 1923642 XXXX XXXX XXXX XXXX No XXXX XXXX 09/05/2024 11 XXXX QM: Safe Harbor APOR (APOR SH) Yes No No N/A N/A 20574 09/09/2024 6.320%     No 7.858%   7.625%   $6,681.57 No   $9,873.48 $822.79 $4,031.04 $335.92 $0.00 $0.00 $0.00 $7,840.28 $17,784.72 N/A     $0.00     0.00% 46.04% 46.04% No No             Self-Employed Not Employed         2YR Full Doc 0 0 NA NA N/A 0 N/A 0 2 2   0 1 1 NA NA No No 0 No No Yes 0 0 No N/A 0 0 0.00% 100.00% 100.00%   Borrower Prepared 8 Borrower N/A N/A 0 NA 0 No 0 NA 0 0 N/A NA 0 0 N/A No 0 0.0 N/A Borrower - SESCorp, SESCorp - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S, K1), YTD Profit And Loss Verified, Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - 2022, 2023, 2024 || Co Borrower - null Personal Tax Returns Verified Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S, K1), Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - 2022, 2023, 2024 || Co Borrower - null Personal Tax Returns Verified XXXX XXXX XX XXXX XXXX 08/27/2024 08/27/2024 08/27/2024     694                 No                                       XX     XX       XX     XX     XX   0 0 0 0         0 0 0 Unknown No     No US Citizen US Citizen N/A       XXXX       N/A     US Citizen US Citizen XXXX       XXXX       N/A                                                         Fee Simple   No No N/A .00 0.0 211861.70 27.0 No 80.0 N/A No No No Borrower As Individual Borrower As Individual N/A N/A        
XXXX 1923657 XXXX XXXX XXXX XXXX No XXXX XXXX 09/05/2024 11 XXXX QM: Higher Priced APOR (APOR HP) Yes No No N/A N/A 13118 08/19/2024 6.450%     No 8.643%   8.375%   $4,341.53 No   $2,816.40 $234.70 $875.04 $72.92 $720.00 $60.00 $0.00 $4,709.15 $8,494.29 N/A XXXX XXXX $60.00 01/01/2025 Annually 0.00% 47.24% 47.24% No               Self-Employed           12 Month Bank Statement 0 0 NA NA N/A 0 N/A 0 0 0 0 0 0 0 NA NA No No 0 No Yes N/A 0 12 No N/A 0 0 100.00% 50.00%     N/A 0 N/A N/A N/A 0 Yes 156 No 0 NA 0 0 N/A NA 0 0 N/A No 0   N/A Borrower - SEPartnership, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - 2024, 2023 Borrower - 2024, 2023 XXXX XXXX XX XXXX XXXX 08/08/2024 08/08/2024       669                 No                                       XX     XX       XX     XX     XX   0 0 0 0         0 0 0 Unknown No     No Foreign National Non Permanent Resident Alien XXXX Real ID Driver's License   XX XXXX XXXX     N/A                                                                                   Fee Simple   No No ITIN Credit Report 34676.84 7.4 34676.84 7.4 No 80.0 N/A No No No Borrower As Individual N/A N/A N/A        
XXXX 1923654 XXXX XXXX XXXX XXXX No XXXX XXXX 09/05/2024 11 XXXX QM: Safe Harbor APOR (APOR SH) Yes No No N/A N/A 18569 09/09/2024 6.320%     No 7.530%   7.500%   $5,244.11 No   $6,028.68 $502.39 $3,087.12 $257.26 $0.00 $0.00 $0.00 $6,003.76 $10,705.52 N/A     $0.00     0.00% 0.00% 0.00% No               Retired           Asset Utilization (No DTI) 0 0 NA NA N/A 0 N/A 0 0 0 0 0 0 0 NA NA No No 0.0 Yes Yes N/A 6 0 No N/A 0 0 0.00% 0.00%     N/A 0 N/A N/A N/A 0 NA 0 No 0 NA 0 0 N/A NA 0 0 N/A No 0   N/A Borrower - N/A - Personal Bank Statements Verified Borrower XXXX XXXX XX XXXX XXXX 08/27/2024 08/27/2024       777                 No                                       XX     XX       XX     XX     XX   0 0 0 0         0 0 0 Unknown No     No US Citizen US Citizen N/A       XXXX       N/A                                                                                   Fee Simple   No No N/A 2468844.76 411.2 2468844.76 411.2 No 71.43 N/A No No No Borrower As Individual N/A N/A N/A        
XXXX 1985135 XXXX XXXX XXXX XXXX No XXXX XXXX 04/01/2024 1 XXXX QM: Safe Harbor APOR (APOR SH) Yes No No N/A N/A 1590 01/27/2025 6.930%     No 7.450%   7.375%   $2,728.17 No   $11,486.28 $957.19 $3,729.84 $310.82 $0.00 $0.00 $0.00 $3,996.18 $8,880.92 N/A     $0.00     0.00% 41.71% 41.71% No No             Self-Employed Not Employed         12 Month Bank Statement 0 0 NA NA N/A 0 N/A 0 0 0 0 0 0 0 NA NA No No 0 No Yes Yes 0 12 No N/A 0 0 100.00% 100.00%     N/A 0 N/A N/A N/A 0 Yes 72 No 0 NA 0 0 N/A NA 0 0 N/A No 0     Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - 2024, 2023 || Co Borrower Borrower - 2024, 2023 || Co Borrower XXXX XXXX XX XXXX XXXX 12/03/2024 12/03/2024 12/03/2024     793                 No                                       XX     XX       XX     XX     XX   0 0 0 0         0 0 0 Unknown No     No US Citizen US Citizen N/A       XXXX       N/A     US Citizen US Citizen XXXX       XXXX       N/A                                                         Fee Simple   No No N/A 35090.11 8.8 35090.11 8.8 No 69.91 N/A No No No Borrower As Individual Borrower As Individual N/A N/A        
XXXX 1985137 XXXX XXXX XXXX XXXX No XXXX XXXX 04/01/2024 1 XXXX QM: Safe Harbor APOR (APOR SH) Yes No No N/A N/A 1590 01/27/2025 6.930%     No 7.729%   7.625%   $5,839.30 No   $12,811.44 $1,067.62 $7,523.04 $626.92 $0.00 $0.00 $0.00 $7,533.84 $193,948.66 N/A     $0.00     0.00% 18.93% 18.93% Yes               Self-Employed           12 Month Bank Statement 0 0 NA NA N/A 0 N/A 0 0 0 0 0 0 0 NA NA No No 0 No Yes Yes 0 12 No N/A 0 0 100.00% 100.00%     N/A 0 N/A N/A N/A 0 Yes 108 No 0 NA 0 0 N/A NA 0 0 N/A No 0     Borrower - SECorporation, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - 2024 - 2024 Borrower - 2024 - 2024 XXXX XXXX XX XXXX XXXX 12/26/2024 12/26/2024       720                 No                                       XX     XX       XX     XX     XX   0 0 0 0         0 0 0 Unknown No     No US Citizen US Citizen N/A       XXXX       N/A                                                                                   Fee Simple   No No N/A .00 0.0 210069.77 27.9 No 75.0 N/A No No No Borrower As Individual N/A N/A N/A        
XXXX 2009691 XXXX XXXX XXXX XXXX No XXXX XXXX 02/01/2025 4 XXXX ATR/QM: Exempt No No No N/A N/A           No     7.490%   $856.67 No   $564.24 $47.02 $1,254.96 $104.58 $0.00 $0.00 $0.00 $1,008.27   N/A     $0.00     0.00% 0.00% 0.00% Yes               Unknown           Debt Service Coverage Ratio           0             0 0     No No 0 No No   0 0 No       0.00%         0           0 No     0 0       0   Yes 1.463 1.46   Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified XXXX XXXX XX XXXX XXXX 03/12/2025 03/12/2025       784                 No                                       XX     XX       XX     XX     XX   0 0 0 0         0 0 0 Unknown No     No US Citizen US Citizen N/A       XXXX       N/A                                                                                   Fee Simple   No No N/A .00 0.0 29749.12 29.5 No 75.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A        
XXXX 2009689 XXXX XXXX XXXX XXXX No XXXX XXXX 02/01/2025 4 XXXX ATR/QM: Exempt No No No N/A N/A           No     7.490%   $856.67 No   $564.24 $47.02 $1,254.96 $104.58 $0.00 $0.00 $0.00 $1,008.27   N/A     $0.00     0.00% 0.00% 0.00% Yes               Unknown           Debt Service Coverage Ratio           0             0 0     No No 0 No No   0 0 No       0.00%         0           0 No     0 0       0   Yes 1.463 1.46   Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified XXXX XXXX XX XXXX XXXX 03/12/2025 03/12/2025       784                 No                                       XX     XX       XX     XX     XX   0 0 0 0         0 0 0 Unknown No     No US Citizen US Citizen N/A       XXXX       N/A                                                                                   Fee Simple   No Unknown N/A .00 0.0 48120.58 47.7 No 75.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A        
XXXX 2009688 XXXX XXXX XXXX XXXX No XXXX XXXX 02/01/2025 4 XXXX ATR/QM: Exempt No No No N/A N/A           No     7.490%   $856.67 No   $556.32 $46.36 $1,254.96 $104.58 $0.00 $0.00 $0.00 $1,007.61   N/A     $0.00     0.00% 0.00% 0.00% Yes               Unknown           Debt Service Coverage Ratio           0             0 0     No No 0 No No   0 0 No       0.00%         0           0 No     0 0       0   Yes 1.464 1.46   Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified XXXX XXXX XX XXXX XXXX 03/12/2025 03/12/2025       784                 No                                       XX     XX       XX     XX     XX   0 0 0 0         0 0 0 Unknown No     No US Citizen US Citizen N/A       XXXX       N/A                                                                                   Fee Simple   No Unknown N/A .00 0.0 49959.71 49.6 No 75.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A        
XXXX 2009686 XXXX XXXX XXXX XXXX No XXXX XXXX 02/01/2025 4 XXXX ATR/QM: Exempt No No No N/A N/A           No     7.490%   $805.18 No   $590.40 $49.20 $1,254.96 $104.58 $0.00 $0.00 $0.00 $958.96   N/A     $0.00     0.00% 0.00% 0.00% Yes               Unknown           Debt Service Coverage Ratio           0             0 0     No No 0 No No   0 0 No       0.00%         0           0 No     0 0       0   Yes 1.538 1.53   Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified XXXX XXXX XX XXXX XXXX 03/12/2025 03/12/2025       784                 No                                       XX     XX       XX     XX     XX   0 0 0 0         0 0 0 Unknown No     No US Citizen US Citizen N/A       XXXX       N/A                                                                                   Fee Simple   No Unknown N/A .00 0.0 40017.35 41.7 No 75.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A        
XXXX 2009682 XXXX XXXX XXXX XXXX No XXXX XXXX 02/01/2025 4 XXXX ATR/QM: Exempt No No No N/A N/A           No     7.490%   $870.71 No   $556.20 $46.35 $1,254.96 $104.58 $0.00 $0.00 $0.00 $1,021.64   N/A     $0.00     0.00% 0.00% 0.00% Yes               Unknown           Debt Service Coverage Ratio           0             0 0     No No 0 No No   0 0 No       0.00%         0           0 No     0 0       0   Yes 1.444 1.444   Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified XXXX XXXX XX XXXX XXXX 03/12/2025 03/12/2025       784                 No                                       XX     XX       XX     XX     XX   0 0 0 0         0 0 0 Unknown No     No US Citizen US Citizen N/A       XXXX       N/A                                                                                   Fee Simple   No No N/A .00 0.0 50332.23 49.3 No 76.23 N/A No No Yes Member on Behalf of Entity N/A N/A N/A        
XXXX 2009683 XXXX XXXX XXXX XXXX No XXXX XXXX 02/01/2025 4 XXXX ATR/QM: Exempt No No No N/A N/A           No     7.490%   $814.54 No   $556.32 $46.36 $1,254.96 $104.58 $0.00 $0.00 $0.00 $965.48   N/A     $0.00     0.00% 0.00% 0.00% Yes               Unknown           Debt Service Coverage Ratio           0             0 0     No No 0 No No   0 0 No       0.00%         0           0 No     0 0       0   Yes 1.58 1.57   Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified XXXX XXXX XX XXXX XXXX 03/12/2025 03/12/2025       784                 No                                       XX     XX       XX     XX     XX   0 0 0 0         0 0 0 Unknown No     No US Citizen US Citizen N/A       XXXX       N/A                                                                                   Fee Simple   No No N/A .00 0.0 37210.08 45.7 No 75.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A        
XXXX 2009687 XXXX XXXX XXXX XXXX No XXXX XXXX 02/01/2025 4 XXXX ATR/QM: Exempt No No No N/A N/A           No     7.490%   $814.54 No   $581.28 $48.44 $1,254.96 $104.58 $0.00 $0.00 $0.00 $967.56   N/A     $0.00     0.00% 0.00% 0.00% Yes               Unknown           Debt Service Coverage Ratio           0             0 0     No No 0 No No   0 0 No       0.00%         0           0 No     0 0       0   Yes 1.576 1.576   Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified XXXX XXXX XX XXXX XXXX 03/20/2025 03/20/2025       784                 No                                       XX     XX       XX     XX     XX   0 0 0 0         0 0 0 Unknown No     No US Citizen US Citizen N/A       XXXX       N/A                                                                                   Fee Simple   No No N/A .00 0.0 24343.82 25.2 No 75.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A        
XXXX 2009690 XXXX XXXX XXXX XXXX No XXXX XXXX 02/01/2025 4 XXXX ATR/QM: Exempt No No No N/A N/A           No     7.490%   $856.67 No   $590.28 $49.19 $1,254.96 $104.58 $0.00 $0.00 $0.00 $1,010.44   N/A     $0.00     0.00% 0.00% 0.00% Yes               Unknown           Debt Service Coverage Ratio           0             0 0     No No 0 No No   0 0 No       0.00%         0           0 No     0 0       0   Yes 1.099 1.31   Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified XXXX XXXX XX XXXX XXXX 03/12/2025 03/12/2025       784                 No                                       XX     XX       XX     XX     XX   0 0 0 0         0 0 0 Unknown No     No US Citizen US Citizen N/A       XXXX       N/A                                                                                   Fee Simple   No No N/A .00 0.0 47982.57 47.5 No 75.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A        
XXXX 2009685 XXXX XXXX XXXX XXXX No XXXX XXXX 02/01/2025 4 XXXX ATR/QM: Exempt No No No N/A N/A           No     7.490%   $814.54 No   $556.20 $46.35 $1,254.96 $104.58 $0.00 $0.00 $0.00 $965.47   N/A     $0.00     0.00% 0.00% 0.00% Yes               Unknown           Debt Service Coverage Ratio           0             0 0     No No 0 No No   0 0 No       0.00%         0           0 No     0 0       0   Yes 1.58 1.57   Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified XXXX XXXX XX XXXX XXXX 03/12/2025 03/12/2025       784                 No                                       XX     XX       XX     XX     XX   0 0 0 0         0 0 0 Unknown No     No US Citizen US Citizen N/A       XXXX       N/A                                                                                   Fee Simple   No No N/A .00 0.0 42833.93 44.4 No 75.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A        
XXXX 2009684 XXXX XXXX XXXX XXXX No XXXX XXXX 02/01/2025 4 XXXX ATR/QM: Exempt No No No N/A N/A           No     7.490%   $880.08 No   $564.12 $47.01 $1,254.96 $104.58 $0.00 $0.00 $0.00 $1,031.67   N/A     $0.00     0.00% 0.00% 0.00% Yes               Unknown           Debt Service Coverage Ratio           0             0 0     No No 0 No No   0 0 No       0.00%         0           0 No     0 0       0   Yes 1.478 1.47   Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified XXXX XXXX XX XXXX XXXX 03/12/2025 03/12/2025       784                 No                                       XX     XX       XX     XX     XX   0 0 0 0         0 0 0 Unknown No     No US Citizen US Citizen N/A       XXXX       N/A                                                                                   Fee Simple   No Yes N/A .00 0.0 39282.39 38.1 No 75.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A        
XXXX 2009694 XXXX XXXX XXXX XXXX No XXXX XXXX 02/01/2025 4 XXXX ATR/QM: Exempt No No No N/A N/A           No     7.250%   $1,765.13 No   $3,172.20 $264.35 $1,364.52 $113.71 $0.00 $0.00 $0.00 $2,143.19   N/A     $0.00     0.00% 0.00% 0.00% Yes               Unknown           Debt Service Coverage Ratio           0             0 0     No No 0 No No   0 0 No       0.00%         0           0 No     0 0       0   Yes 1.213 1.21   Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified XXXX XXXX XX XXXX XXXX 03/06/2025 03/06/2025       742                 No                                       XX     XX       XX     XX     XX   0 0 0 0         0 0 0 Unknown No     No US Citizen US Citizen N/A       XXXX       N/A                                                                                   Fee Simple   No No N/A .00 0.0 249224.11 116.3 No 75.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A        
XXXX 2009695 XXXX XXXX XXXX XXXX No XXXX XXXX 02/01/2025 4 XXXX ATR/QM: Exempt No No No N/A N/A           No     6.990%   $1,814.44 No   $4,620.00 $385.00 $825.48 $68.79 $0.00 $0.00 $0.00 $2,268.23   N/A     $0.00     0.00% 0.00% 0.00% Yes               Unknown           Debt Service Coverage Ratio           0             0 0     No No 0 No No   0 0 No       0.00%         0           0 No     0 0       0   Yes 1.268 1.27   Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified XXXX XXXX XX XXXX XXXX 03/06/2025 03/06/2025       742                 No                                       XX     XX       XX     XX     XX   0 0 0 0         0 0 0 Unknown No     No US Citizen US Citizen N/A       XXXX       N/A                                                                                   Fee Simple   No No N/A .00 0.0 263198.47 116.0 No 70.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A        
XXXX 2009696 XXXX XXXX XXXX XXXX No XXXX XXXX 02/01/2025 4 XXXX ATR/QM: Exempt No No No N/A N/A           No     7.250%   $2,507.00 No   $5,656.08 $471.34 $1,084.20 $90.35 $0.00 $0.00 $0.00 $3,068.69   N/A     $0.00     0.00% 0.00% 0.00% Yes               Unknown           Debt Service Coverage Ratio           0             0 0     No No 0 No No   0 0 No       0.00%         0           0 No     0 0       0   Yes 1.173 1.17   Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified XXXX XXXX XX XXXX XXXX 03/06/2025 03/06/2025       742                 No                                       XX     XX       XX     XX     XX   0 0 0 0         0 0 0 Unknown No     No US Citizen US Citizen N/A       XXXX       N/A                                                                                   Fee Simple   No No N/A .00 0.0 357506.72 116.5 No 75.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A        
XXXX 2009697 XXXX XXXX XXXX XXXX No XXXX XXXX 02/01/2025 4 XXXX ATR/QM: Exempt No No No N/A N/A           No     6.990%   $2,535.57 No   $5,668.56 $472.38 $1,193.52 $99.46 $0.00 $0.00 $0.00 $3,107.41   N/A     $0.00     0.00% 0.00% 0.00% Yes               Unknown           Debt Service Coverage Ratio           0             0 0     No No 0 No No   0 0 No       0.00%         0           0 No     0 0       0   Yes 1.094 1.09   Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified XXXX XXXX XX XXXX XXXX 03/06/2025 03/06/2025       742                 No                                       XX     XX       XX     XX     XX   0 0 0 0         0 0 0 Unknown No     No US Citizen US Citizen N/A       XXXX       N/A                                                                                   Fee Simple   No No N/A .00 0.0 369635.79 119.0 No 70.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A        
XXXX 2009698 XXXX XXXX XXXX XXXX No XXXX XXXX 02/01/2025 4 XXXX ATR/QM: Exempt No No No N/A N/A           No     7.125%   $2,499.50 No   $6,616.80 $551.40 $3,308.76 $275.73 $0.00 $0.00 $0.00 $3,326.63   N/A     $0.00     0.00% 0.00% 0.00% Yes               Unknown           Debt Service Coverage Ratio           0             0 0     No No 0 No No   0 0 No       0.00%         0           0 No     0 0       0   Yes 1.142 1.14   Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified XXXX XXXX XX XXXX XXXX 03/06/2025 03/06/2025       742                 No                                       XX     XX       XX     XX     XX   0 0 0 0         0 0 0 Unknown No     No US Citizen US Citizen N/A       XXXX       N/A                                                                                   Fee Simple   No No N/A .00 0.0 361521.54 108.7 No 70.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A        
XXXX 2009699 XXXX XXXX XXXX XXXX No XXXX XXXX 02/01/2025 4 XXXX ATR/QM: Exempt No No No N/A N/A           No     6.875%   $1,724.44 No   $3,772.08 $314.34 $805.44 $67.12 $0.00 $0.00 $0.00 $2,105.90   N/A     $0.00     0.00% 0.00% 0.00% Yes               Unknown           Debt Service Coverage Ratio           0             0 0     No No 0 No No   0 0 No       0.00%         0           0 No     0 0       0   Yes 1.223 1.22   Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified XXXX XXXX XX XXXX XXXX 03/06/2025 03/06/2025       742                 No                                       XX     XX       XX     XX     XX   0 0 0 0         0 0 0 Unknown No     No US Citizen US Citizen N/A       XXXX       N/A                                                                                   Fee Simple   No No N/A .00 0.0 254133.64 120.7 No 70.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A        
XXXX 2009700 XXXX XXXX XXXX XXXX No XXXX XXXX 02/01/2025 4 XXXX ATR/QM: Exempt No No No N/A N/A           No     6.990%   $1,674.87 No   $4,361.88 $363.49 $925.80 $77.15 $0.00 $0.00 $0.00 $2,115.51   N/A     $0.00     0.00% 0.00% 0.00% Yes               Unknown           Debt Service Coverage Ratio           0             0 0     No No 0 No No   0 0 No       0.00%         0           0 No     0 0       0   Yes 1.324 1.32   Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified XXXX XXXX XX XXXX XXXX 03/06/2025 03/06/2025       742                 No                                       XX     XX       XX     XX     XX   0 0 0 0         0 0 0 Unknown No     No US Citizen US Citizen N/A       XXXX       N/A                                                                                   Fee Simple   No Unknown N/A .00 0.0 244851.83 115.7 No 70.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A        
XXXX 2009701 XXXX XXXX XXXX XXXX No XXXX XXXX 02/01/2025 4 XXXX ATR/QM: Exempt No No No N/A N/A           No     6.990%   $1,628.35 No   $4,329.00 $360.75 $874.68 $72.89 $0.00 $0.00 $0.00 $2,061.99   N/A     $0.00     0.00% 0.00% 0.00% Yes               Unknown           Debt Service Coverage Ratio           0             0 0     No No 0 No No   0 0 No       0.00%         0           0 No     0 0       0   Yes 1.358 1.36   Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified XXXX XXXX XX XXXX XXXX 03/06/2025 03/06/2025       742                 No                                       XX     XX       XX     XX     XX   0 0 0 0         0 0 0 Unknown No     No US Citizen US Citizen N/A       XXXX       N/A                                                                                   Fee Simple   No No N/A .00 0.0 237937.93 115.4 No 70.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A        
XXXX 2009692 XXXX XXXX XXXX XXXX No XXXX XXXX 02/01/2025 4 XXXX QM: Safe Harbor APOR (APOR SH) Yes No No N/A N/A 1590 03/31/2025 6.650%     No 7.523%   7.490%   $7,348.53 No   $26,501.64 $2,208.47 $3,297.00 $274.75 $0.00 $0.00 $0.00 $9,831.75 $27,865.96 N/A     $0.00     0.00% 47.08% 47.08% No               Self-Employed           12 Month Bank Statement 0   NA   N/A 0     0 0     0 0 NA   No No 0 No Yes N/A 0 12 No       100.00% 100.00%     N/A 0 N/A       Yes 180 No   NA 0 0 N/A     0   No 0     Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - 2025, 2024 Borrower - 2025, 2024 XXXX XXXX XX XXXX XXXX 03/31/2025 03/31/2025       776                 No                                       XX     XX       XX     XX     XX   0 0 0 0         0 0 0 Unknown No     No US Citizen US Citizen N/A       XXXX       N/A                                                                                   Fee Simple   No No N/A 130167.47 13.2 130167.47 13.2 No 80.0 N/A No No No Borrower As Individual N/A N/A N/A        
XXXX 2009693 XXXX XXXX XXXX XXXX No XXXX XXXX 02/01/2025 4 XXXX QM: Safe Harbor APOR (APOR SH) Yes No No N/A N/A 1590 03/24/2025 6.660%     No 7.776%   7.750%   $7,307.40 No   $13,263.24 $1,105.27 $2,731.32 $227.61 $0.00 $0.00 $0.00 $8,640.28 $22,679.93 N/A     $0.00     0.00% 36.60% 36.60% No               Self-Employed           12 Month Bank Statement 0   NA   N/A 0     0 0     0 0 NA   No No 0 No Yes Yes 0 12 No       100.00% 100.00%     N/A 0 N/A       Yes 456 No   NA 0 0 N/A     0   No 0     Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - 2025, 2024 Borrower - 2025, 2024 XXXX XXXX XX XXXX XXXX 03/25/2025 03/25/2025       778                 No                                       XX     XX       XX     XX     XX   0 0 0 0         0 0 0 Unknown No     No US Citizen US Citizen N/A       XXXX       N/A                                                                                   Fee Simple   No No N/A 16634.85 1.9 655846.99 75.9 No 75.0 N/A No No No Borrower As Individual N/A N/A N/A