EFMT DEPOSITOR LLC ABS-15G

Exhibit 99.57

 

Loan ID Seller Loan 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
XXXX   1643193 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A Appendix Q Documentation 12432.5 09/19/2022 6.090% Manual Underwriting Manual Underwriting No 8.115%   7.625% 7.625% $1,911.04 No   $3,010.56 $250.88 $1,517.04 $126.42 $0.00 $0.00 $0.00 $2,288.34 $5,651.83 N/A XXXX   $0.00 XXXX   48.61% 48.61% 48.61% No               Employed           Full Doc 2 0 1 Month NA N/A 0 N/A   0 0 0 0 2 2 Yes NA No No 0 No No Yes 0 0 No N/A     0.00% 0.00%     N/A 0 N/A N/A N/A   NA 0 No   Yes 188 188 Other NA   0 N/A No 0     Borrower - Wage, SSI and Disability, SSI and Disability - 2 YRS W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified - 2019, 2020 Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2019, 2020 XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX 655                 No                                       7 XXXX XXXX 1 XXXX XXXX   0     0     0   0 0 0 0         0 0 0 Unknown No     No US Citizen US Citizen N/A Real ID Driver's License   CA United States XXXX     N/A   XXXX               XXXX                                                               Fee Simple   No   N/A .00 0.0 61080.70 26.7   55.1 N/A No No No Borrower As Individual N/A N/A N/A
XXXX   1722484 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A Appendix Q Documentation 7510 01/16/2023 6.260% Manual Underwriting Manual Underwriting No 10.055%   9.750% 9.750% $2,586.05 No   $1,564.08 $130.34 $3,012.96 $251.08 $0.00 $0.00 $0.00 $2,967.47 $30,253.90 N/A XXXX   $0.00 XXXX   18.23% 18.28% 18.28% No               Self-Employed           12 Month Bank Statement 0 0 NA NA N/A 0 N/A   0 0 0 0 0 0 NA NA No No 0 No Yes Yes 0 24 No N/A     100.00% 100.00%     N/A 0 N/A N/A N/A   Yes 257 No   Yes 257 257 N/A NA   0 N/A No 0   N/A Borrower - SESoleProprietor - CPA Letter Verified, Written VOE Verified, Business Bank Statements Verified - 2021, 2022 Borrower - 2021, 2022 XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX 626                 No                                       NA XXXX XXXX 0 XXXX XXXX   0     0     0   0 0 0 0         0 0 0 Unknown No     No US Citizen US Citizen N/A Standard Driver's License - Not for federal use   AZ United States XXXX     N/A   XXXX               XXXX                                                               Fee Simple   No   N/A .00 0.0 113436.63 38.2 No 64.32 N/A No No No Borrower As Individual N/A N/A N/A
XXXX   1944830 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A N/A   07/18/2024 6.900% Manual Underwriting Manual Underwriting No 10.540%   9.999% 9.999% $3,790.79 No   $3,602.16 $300.18 $3,054.96 $254.58 $3,096.00 $258.00 $0.00 $4,603.55 $8,217.93 Yes XXXX FL $258.00 XXXX Monthly 43.75% 43.75% 43.75% 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 12 0 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   N/A Borrower - SESoleProprietor - Personal Bank Statements Verified - 2023, 2024 Borrower - 2023, 2024 XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX 639                 No                                       NA XXXX XXXX 0 XXXX XXXX   0     0     0   0 0 0 0 0 0 0 0 0 0 0 Unknown No     No Permanent Resident Alien Permanent Non-US Citizen N/A Real ID Driver's License   FL United States XXXX     I-551 Permanent Resident Card    XXXX               XXXX                                                               Fee Simple   No No N/A 104894.40 22.8 104894.40 22.8 No 80.0 N/A No No No Borrower As Individual N/A N/A N/A
XXXX   1944831 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A N/A   07/22/2024 6.760% Manual Underwriting Manual Underwriting No 10.356%   9.999% 9.999% $3,896.09 No   $16,199.52 $1,349.96 $1,137.96 $94.83 $0.00 $0.00 $0.00 $5,340.88 $6,155.51 N/A XXXX   $0.00 XXXX   49.27% 49.27% 49.27% No               Self-Employed           1YR Business P&L 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 3 No N/A 0 0 0.00% 100.00%     Audited 12 CPA N/A N/A 0 NA 0 No 0 NA 0 0 N/A NA 0 0 N/A No 0   N/A Borrower - SESoleProprietor - YTD Profit And Loss Verified, Business Bank Statements Verified - 2023, 2024 Borrower - 2023, 2024 XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX 641                 No                                       NA XXXX XXXX 0 XXXX XXXX   0     0     0   0 0 0 0 0 0 0 0 0 0 0 Unknown No     No Permanent Resident Alien Permanent Non-US Citizen N/A Standard Driver's License - Not for federal use   NJ United States XXXX     Employment Authorization Document (I-821D)   XXXX               XXXX                                                               Fee Simple   No No N/A 91719.13 17.2 91719.13 17.2 No 80.0 N/A No No No Borrower As Individual N/A N/A N/A
XXXX   1891929 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A N/A   08/01/2024 6.800% Manual Underwriting Manual Underwriting No 9.775%   9.250% 9.250% $3,586.86 No   $4,427.04 $368.92 $7,941.96 $661.83 $1,700.04 $141.67 $0.00 $4,759.28 $22,034.87 N/A XXXX FL $141.67 XXXX Annually 37.04% 37.04% 37.04% 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   N/A Borrower - SESoleProprietor - Business Bank Statements Verified - 2023, 2024 Borrower - 2023, 2024 XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX 686                 No                                       NA XXXX XXXX 0 XXXX XXXX   0     0     0   0 0 0 0 0 0 0 0 0 0 0 Unknown No     No US Citizen US Citizen N/A Real ID Driver's License   FL United States XXXX     N/A   XXXX               XXXX                                                               Fee Simple   No No N/A .00 0.0 103936.25 21.8 No 80.0 N/A No No No Borrower As Individual N/A N/A N/A
XXXX   1923710 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A N/A   09/20/2024 6.150% Manual Underwriting Manual Underwriting No 9.292%   8.875% 8.875% $1,591.29 No   $1,791.72 $149.31 $2,057.04 $171.42 $0.00 $0.00 $0.00 $1,912.02 $2,506.65 N/A XXXX   $0.00 XXXX   49.51% 49.49% 49.49% No               Employed           Full Doc 2 YRS W2 0 1 Month NA N/A 0 N/A 0 0 0 0 0 3 2 NA NA No No 0 No No Yes 0 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 - Wage - 2 YRS W2 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2022, 2023, 2024 Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2022, 2023, 2024 XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX 622                 No                                       NA XXXX XXXX 0 XXXX XXXX   0     0     0   0 0 0 0 0 0 0 0 0 0 0 Unknown No     No US Citizen US Citizen N/A Real ID Driver's License   GA United States XXXX     N/A   XXXX               XXXX                                                               Fee Simple   No No N/A .00 0.0 185685.46 97.1 No 68.26 N/A No No No Borrower As Individual N/A N/A N/A
XXXX   1901191 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A N/A   10/08/2024 6.120% Manual Underwriting Manual Underwriting No 8.402%   8.125% 8.125% $5,642.98 No   $7,593.12 $632.76 $6,549.96 $545.83 $0.00 $0.00 $0.00 $6,821.57 $28,196.03 N/A XXXX   $0.00 XXXX   31.27% 30.85% 30.85% No               Self-Employed           1YR Full Doc 0 0 NA NA N/A 0 N/A 0 1 1 0 0 3 1 NA NA No No 0 No No Yes 0 0 No N/A 0 0 0.00% 100.00%     Borrower Prepared 9 Borrower N/A N/A 0 NA 0 No 0 NA 0 0 N/A NA 0 0 N/A No 0   N/A Borrower - SESCorp, SESCorp, Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S), YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2023, 2024 Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S), 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2023, 2024 XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX 694                 No                                       NA XXXX XXXX 0 XXXX XXXX   0     0     0   0 0 0 0 0 0 0 0 0 0 0 Unknown No     No US Citizen US Citizen N/A Real ID Driver's License   FL United States XXXX     N/A   XXXX               XXXX                                                               Fee Simple   No No N/A .00 0.0 568508.64 83.3 No 80.0 N/A No No No Borrower As Individual N/A N/A N/A
XXXX   1901200 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A N/A   10/24/2024 6.400% Manual Underwriting Manual Underwriting No 8.510%   8.250% 8.250% $7,324.85 No   $17,853.96 $1,487.83 $1,286.16 $107.18 $0.00 $0.00 $0.00 $8,919.86 $13,441.22 N/A XXXX   $0.00 XXXX   46.47% 46.47% 46.47% No               Self-Employed           Full Doc 0 0 NA NA N/A 0 N/A 0 2 2 0 0 3 2 NA NA No No 0 No No Yes 0 0 No N/A 0 0 0.00% 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   N/A Borrower - SESCorp, SEPartnership, SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S, K1), YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2022, 2023, 2024 Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S, K1), 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2022, 2023, 2024 XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX 669                 No                                       NA XXXX XXXX 0 XXXX XXXX   0     0     0   1 0 0 0 0 0 0 0 1 0 0 Unknown No     No US Citizen US Citizen N/A Standard Driver's License - Not for federal use   CA United States XXXX     N/A   XXXX               XXXX                                                               Fee Simple   No No N/A 182437.48 20.5 182437.48 20.5 No 75.0 N/A No No No Borrower As Individual N/A N/A N/A
XXXX   1901757 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A N/A   09/16/2024 6.150% Manual Underwriting Manual Underwriting No 8.490%   8.115% 8.115% $4,895.86 No   $8,104.56 $675.38 $8,777.04 $731.42 $0.00 $0.00 $0.00 $6,302.66 $13,402.11 N/A XXXX   $0.00 XXXX   44.07% 44.02% 44.02% 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   N/A Borrower - SESoleProprietor, SESoleProprietor - Business Bank Statements Verified - 2023, 2024 Borrower - 2023, 2024 XXXX XXXX MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX 676                 No                                       NA XXXX XXXX 0 XXXX XXXX   0     0     0   0 0 0 0 0 0 0 0 0 0 0 Unknown No     No US Citizen US Citizen N/A Standard Driver's License - Not for federal use   MN United States XXXX     N/A   XXXX               XXXX                                                               Fee Simple   No No N/A .00 0.0 314854.00 50.0 No 58.67 N/A No No No Borrower As Individual N/A N/A N/A
XXXX   1939515 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A N/A   09/17/2024 6.150% Manual Underwriting Manual Underwriting No 9.058%   8.625% 8.625% $1,925.03 No   $4,104.72 $342.06 $2,788.32 $232.36 $99.96 $8.33 $0.00 $2,507.78 $4,363.80 N/A XXXX FL $8.33 XXXX Annually 49.48% 49.07% 49.07% 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 12 0 No N/A 0 0 100.00% 100.00%   Stocks/Bonds 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 - SESCorp, Subject Property Net Rental Income(Loss) if NOO - Personal Bank Statements Verified - 2023, 2024 Borrower - 2023, 2024 XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX 787                 No                                       NA XXXX XXXX 0 XXXX XXXX   0     0     0   0 0 0 0 0 0 0 0 0 0 0 Unknown No     No US Citizen US Citizen N/A Real ID Driver's License   FL United States XXXX     N/A   XXXX               XXXX                                                               Fee Simple   No No N/A 25869.31 10.3 25869.31 10.3 No 90.0 N/A No No No Borrower As Individual N/A N/A N/A
XXXX   1901764 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A N/A   10/28/2024 6.590% Manual Underwriting Manual Underwriting No 8.837%   8.500% 8.500% $5,017.16 No   $9,062.52 $755.21 $2,340.96 $195.08 $0.00 $0.00 $0.00 $5,967.45 $13,602.90 N/A XXXX   $0.00 XXXX   32.87% 32.61% 32.61% 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%   Stocks/Bonds 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 - SESoleProprietor - Business Bank Statements Verified - 2023, 2024 Borrower - 2023, 2024 XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX 740                 No                                       NA XXXX XXXX 0 XXXX XXXX   0     0     0   0 0 0 0 0 0 0 0 0 0 0 Unknown No     No US Citizen US Citizen N/A Standard Driver's License - Not for federal use   CA United States XXXX     N/A   XXXX               XXXX                                                               Fee Simple   No No N/A 77335.52 13.0 77335.52 13.0 No 90.0 N/A No No No Borrower As Individual N/A N/A N/A
XXXX   1939842 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A N/A   10/09/2024 6.120% Manual Underwriting Manual Underwriting No 8.986%   8.625% 8.625% $6,807.60 No   $12,156.24 $1,013.02 $2,076.00 $173.00 $0.00 $0.00 $0.00 $7,993.62 $10,309.30 N/A XXXX   $0.00 XXXX   48.73% 48.73% 48.73% No No             Self-Employed Employed         12 Month Bank Statement 0 2 YRS W2 NA 2+ Months N/A 0 N/A 0 0 0 0 0 1 2 NA NA No No 0 No Yes Yes 12 0 No Yes 0 0 65.19% 100.00% 0.00%   N/A 0 N/A N/A N/A 0 NA 0 No 0 NA 0 0 N/A Yes 22 22 Work Number No 0   N/A Borrower - SESCorp, SEPartnership - Personal Bank Statements Verified - 2023, 2024 || Co Borrower - Wage - 2 YRS W2 Verified, 2+ Months Paystubs Verified, Written VOE Verified, Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024 Borrower - 2023, 2024 || Co Borrower - Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024 XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX 799                 No                                       NA XXXX XXXX 0 XXXX XXXX   0     0     0   0 0 0 0 0 0 0 0 0 0 0 Unknown No     No US Citizen US Citizen N/A Real ID Driver's License   CA United States XXXX     N/A   XXXX US Citizen US Citizen N/A Standard Driver's License - Not for federal Use   CA United States XXXX     N/A                                                         Fee Simple   No No N/A 88830.64 11.1 88830.64 11.1 No 90.0 N/A No No No Borrower As Individual Borrower As Individual N/A N/A
XXXX   1901758 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A N/A   10/29/2024 6.590% Manual Underwriting Manual Underwriting No 6.515%   6.375% 6.375% $5,848.00 No   $14,016.24 $1,168.02 $1,225.68 $102.14 $0.00 $0.00 $0.00 $7,118.16 $14,890.84 N/A XXXX   $0.00 XXXX   34.00% 33.82% 33.82% 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% 65.00%     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 - SEPartnership - Business Bank Statements Verified - 2023, 2024 Borrower - 2023, 2024 XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX 807                 No                                       NA XXXX XXXX 0 XXXX XXXX   0     0     0   0 0 0 0 0 0 0 0 0 0 0 Unknown No     No US Citizen US Citizen N/A Standard Driver's License - Not for federal use   CA United States XXXX     N/A   XXXX               XXXX                                                               Fee Simple   No No N/A 119247.96 16.8 119247.96 16.8 No 74.99 N/A No No No Borrower As Individual N/A N/A N/A
XXXX   1901761 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A N/A   11/08/2024 6.730% Manual Underwriting Manual Underwriting No 9.819%   9.500% 9.500% $4,406.08 No   $3,459.00 $288.25 $2,301.00 $191.75 $0.00 $0.00 $0.00 $4,886.08 $8,093.90 N/A XXXX   $0.00 XXXX   41.80% 41.19% 41.19% 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   N/A Borrower - SESoleProprietor - Business Bank Statements Verified - 2023, 2024 Borrower - 2023, 2024 XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX 683                 No                                       NA XXXX XXXX 0 XXXX XXXX   0     0     0   0 0 0 0 0 0 0 0 0 0 0 Unknown No     No US Citizen US Citizen N/A Standard Driver's License - Not for federal use   AZ United States XXXX     N/A   XXXX               XXXX                                                               Fee Simple   No No N/A .00 0.0 29561.77 6.1 No 80.0 N/A No No No Borrower As Individual N/A N/A N/A
XXXX   1901755 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A N/A   10/15/2024 6.360% Manual Underwriting Manual Underwriting No 9.483%   9.000% 9.000% $2,285.13 No   $4,485.00 $373.75 $2,354.88 $196.24 $450.00 $37.50 $0.00 $2,892.62 $9,340.49 N/A XXXX MD $37.50 XXXX Annually 37.38% 37.08% 37.08% 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   N/A Borrower - SESCorp - Business Bank Statements Verified - 2023, 2024 Borrower - 2023, 2024 XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX 668                 No                                       NA XXXX XXXX 0 XXXX XXXX   0     0     0   0 0 0 0 0 0 0 0 0 0 0 Unknown No     No US Citizen US Citizen N/A Real ID Driver's License   MD United States XXXX     N/A   XXXX               XXXX                                                               Fee Simple   No No N/A 44727.54 15.5 44727.54 15.5 No 80.0 N/A No No No Borrower As Individual N/A N/A N/A
XXXX   1901743 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A N/A   10/22/2024 6.400% Manual Underwriting Manual Underwriting No 7.915%   7.750% 7.750% $12,422.59 No   $25,500.00 $2,125.00 $1,404.12 $117.01 $0.00 $0.00 $0.00 $14,664.60 $18,002.95 N/A XXXX   $0.00 XXXX   45.38% 45.17% 45.17% No No             Employed Employed         Full Doc 2 YRS W2 2 YRS W2 1 Month 1 Month N/A 0 N/A 0 0 0 0 0 3 2 NA NA No No 0 No No Yes 0 0 No Yes 0 0 0.00% 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 - Wage, Overtime and Bonus - 2 YRS W2 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2022, 2023 || Co Borrower - Wage - 2 YRS W2 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2022, 2023 Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2022, 2023 || Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2022, 2023 XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX 770                 No                                       NA XXXX XXXX 0 XXXX XXXX   0     0     0   0 0 0 0 0 0 0 0 0 0 0 Unknown No     No US Citizen US Citizen N/A Real ID Driver's License   CA United States XXXX     N/A   XXXX US Citizen US Citizen N/A Real ID Driver's License   CA United States XXXX     N/A                                                         Fee Simple   No No N/A 154803.15 10.6 154803.15 10.6 No 85.0 N/A No No No Borrower As Individual Borrower As Individual N/A N/A
XXXX   1923715 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A N/A   11/05/2024 6.730% Manual Underwriting Manual Underwriting No 8.072%   7.625% 7.625% $1,521.76 No   $5,733.96 $477.83 $1,673.04 $139.42 $0.00 $0.00 $0.00 $2,139.01 $4,267.99 N/A XXXX   $0.00 XXXX   46.57% 44.57% 44.57% 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 12 0 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   N/A Borrower - SESoleProprietor - Personal Bank Statements Verified - 2023, 2024 Borrower - 2023, 2024 XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX 675                 No                                       NA XXXX XXXX 0 XXXX XXXX   0     0     0   0 0 0 0 0 0 0 0 0 0 0 Unknown No     No US Citizen US Citizen N/A Standard Driver's License - Not for federal use   CA United States XXXX     N/A   XXXX               XXXX                                                               Fee Simple   No No N/A .00 0.0 105339.83 49.3 No 46.24 N/A No No No Borrower As Individual N/A N/A N/A
XXXX   1923690 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A N/A   10/28/2024 6.590% Manual Underwriting Manual Underwriting No 9.144%   8.875% 8.875% $3,362.00 No   $5,868.72 $489.06 $1,554.00 $129.50 $0.00 $0.00 $0.00 $3,980.56 $7,648.78 N/A XXXX   $0.00 XXXX   37.80% 37.80% 37.80% 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%   Stocks/Bonds,Stocks/Bonds,Stocks/Bonds,Stocks/Bonds 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 - SESCorp - Business Bank Statements Verified - 2023, 2024 Borrower - 2023, 2024 XXXX XXXX IA XXXX XXXX XXXX XXXX XXXX XXXX XXXX 753                 No                                       NA XXXX XXXX 0 XXXX XXXX   0     0     0   0 0 0 0 0 0 0 0 0 0 0 Unknown No     No US Citizen US Citizen N/A Real ID Driver's License   KS United States XXXX     N/A   XXXX               XXXX                                                               Fee Simple   No No N/A 50798.08 12.8 50798.08 12.8 No 90.0 N/A No No No Borrower As Individual N/A N/A N/A
XXXX   1923687 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A N/A   11/04/2024 6.730% Manual Underwriting Manual Underwriting No 8.144%   7.750% 7.750% $2,189.53 No   $8,034.84 $669.57 $2,388.96 $199.08 $0.00 $0.00 $0.00 $3,058.18 $7,900.00 N/A XXXX   $0.00 XXXX   32.46% 32.81% 32.81% 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 12 0 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   N/A Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Personal Bank Statements Verified - 2023, 2024 Borrower - 2023, 2024 XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX 707                 No                                       7 XXXX XXXX 1 XXXX XXXX   0     0     0   0 0 0 0 0 0 0 0 0 0 0 Unknown No     No US Citizen US Citizen N/A Standard Driver's License - Not for federal use   CA United States XXXX     N/A   XXXX               XXXX                                                               Fee Simple   No No N/A 48716.89 15.9 48716.89 15.9 No 75.0 N/A No No No Borrower As Individual N/A N/A N/A
XXXX   1939844 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A N/A   11/12/2024 6.780% Manual Underwriting Manual Underwriting No 9.875%   9.500% 9.500% $3,254.03 No   $5,287.32 $440.61 $903.96 $75.33 $2,664.00 $222.00 $0.00 $3,991.97 $12,616.40 N/A XXXX FL $222.00 XXXX Monthly 46.62% 46.62% 46.62% 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% 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   N/A Borrower - SEPartnership, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2023, 2024 Borrower - 2023, 2024 XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX 772                 No                                       NA XXXX XXXX 0 XXXX XXXX   0     0     0   0 0 0 0 0 0 0 0 0 0 0 Unknown No     No US Citizen US Citizen N/A Real ID Driver's License   FL United States XXXX     N/A   XXXX               XXXX                                                               Fee Simple   No No N/A 45539.45 11.4 45539.45 11.4 No 90.0 N/A No No No Borrower As Individual N/A N/A N/A
XXXX   1923694 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A N/A   10/31/2024 6.590% Manual Underwriting Manual Underwriting No 8.208%   7.875% 7.875% $4,553.44 No   $4,974.84 $414.57 $743.04 $61.92 $1,380.00 $115.00 $0.00 $5,144.93 $14,748.13 N/A XXXX NV $115.00 XXXX Monthly 27.55% 27.55% 27.55% No No             Employed Employed         Full Doc 2 YRS W2 2 YRS W2 2+ Months 2+ Months N/A 0 N/A 0 0 0 0 0 3 2 NA NA No No 0 No No Yes 0 0 No Yes 0 0 0.00% 0.00% 0.00%   N/A 0 N/A N/A N/A 0 NA 0 No 0 Yes 35 34 Work Number NA 0 0 N/A No 0   N/A Borrower - Wage - 2 YRS W2 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024 || Co Borrower - Wage - 2 YRS W2 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024 Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024 || Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024 XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX 680                 No                                       13 XXXX XXXX 1 XXXX XXXX   0     0     0   0 0 0 0 0 0 0 0 0 0 0 Unknown No     No US Citizen US Citizen N/A Real ID Driver's License   NV United States XXXX     N/A   XXXX US Citizen US Citizen N/A Real ID Driver's License   TX United States XXXX     N/A                                                         Fee Simple   No No N/A 21001.47 4.1 21001.47 4.1 No 78.5 N/A No No No Borrower As Individual Borrower As Individual N/A N/A
XXXX   1952350 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A N/A   10/18/2024 6.360% Manual Underwriting Manual Underwriting No 6.192%   6.000% 6.000% $11,091.68 No   $28,547.76 $2,378.98 $5,676.96 $473.08 $1,152.00 $96.00 $0.00 $14,039.74 $14,390.64 N/A XXXX CA $96.00 XXXX Monthly 47.02% 49.58% 49.58% No               Self-Employed           24 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 24 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   N/A Borrower - SESCorp - Business Bank Statements Verified - 2022, 2023, 2024 Borrower - 2022, 2023, 2024 XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX 798                 No                                       NA XXXX XXXX 0 XXXX XXXX   0     0     0   0 0 0 0 0 0 0 0 0 0 0 Unknown No     No US Citizen US Citizen N/A Real ID Driver's License   CA United States XXXX     N/A   XXXX               XXXX                                                               Fee Simple   No No N/A 122487.35 8.7 122487.35 8.7 No 68.52 N/A No No No Borrower As Individual N/A N/A N/A
XXXX   1923692 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A N/A   11/20/2024 6.830% Manual Underwriting Manual Underwriting No 8.834%   8.500% 8.500% $7,612.24 No   $7,753.92 $646.16 $4,567.80 $380.65 $0.00 $0.00 $0.00 $8,639.05 $37,704.63 N/A XXXX   $0.00 XXXX   29.32% 29.32% 29.32% 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   N/A Borrower - SESCorp, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2023, 2024 Borrower - 2023, 2024 XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX 758                 No                                       NA XXXX XXXX 0 XXXX XXXX   0     0     0   0 0 0 0 0 0 0 0 0 0 0 Unknown No     No US Citizen US Citizen N/A Real ID Driver's License   FL United States XXXX     N/A   XXXX               XXXX                                                               Fee Simple   No No N/A 130521.01 15.1 130521.01 15.1 No 90.0 N/A No No No Borrower As Individual N/A N/A N/A
XXXX   1923696 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A N/A   11/08/2024 6.730% Manual Underwriting Manual Underwriting No 8.415%   7.875% 7.875% $1,015.10 No   $2,037.60 $169.80 $594.00 $49.50 $5,076.00 $423.00 $0.00 $1,657.40 $4,934.16 Yes XXXX MA $423.00 XXXX Monthly 34.66% 30.39% 30.39% No No             Retired Employed         Full Doc 0 2 YRS W2 NA 1 Month N/A 0 N/A 0 0 0 0 0 1 2 Yes NA No No 0 No No N/A 0 0 No Yes 0 0 0.00% 0.00% 0.00% Proceeds from Sale 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 - Retirement, Retirement - Award Letter Verified - 2024 - 2024 || Co Borrower - Wage - 2 YRS W2 Verified, 1 Month Paystubs Verified, Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2022, 2023 Borrower - 2024 - 2024 || Co Borrower - Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2022, 2023 XXXX XXXX MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX 646                 No                                       NA XXXX XXXX 0 XXXX XXXX   0     0     0   0 0 0 0 0 0 0 0 0 0 0 Unknown No     No US Citizen US Citizen N/A Real ID Driver's License   MA United States XXXX     N/A   XXXX US Citizen US Citizen N/A Real ID Driver's License   MA United States XXXX     N/A                                                         Fee Simple   No No N/A 29514.89 17.8 29514.89 17.8 No 47.14 No No No No Borrower As Individual Borrower As Individual N/A N/A
XXXX   1923698 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A N/A   11/08/2024 6.730% Manual Underwriting Manual Underwriting No 6.717%   6.375% 6.375% $6,032.57 No   $18,453.00 $1,537.75 $2,705.04 $225.42 $0.00 $0.00 $0.00 $7,795.74 $13,679.54 N/A XXXX   $0.00 XXXX   39.29% 37.57% 37.57% No No             Employed Self-Employed         12 Month Bank Statement 2 YRS W2 0 2+ Months NA N/A 0 N/A 0 0 0 0 0 3 2 NA NA No No 0 No No Yes 0 0 Yes Yes 0 12 66.99% 0.00% 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   N/A Borrower - Wage, Overtime and Bonus, Other REO Net Rental Income(Loss) - 2 YRS W2 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024 || Co Borrower - SESCorp - Business Bank Statements Verified - 2023, 2024 Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024 || Co Borrower - 2023, 2024 XXXX XXXX MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX 810                 No                                       NA XXXX XXXX 0 XXXX XXXX   0     0     0   0 0 0 0 0 0 0 0 0 0 0 Unknown No     No US Citizen US Citizen N/A Real ID Driver's License   MA United States XXXX     N/A   XXXX US Citizen US Citizen N/A Real ID Driver's License   MA United States XXXX     N/A                                                         Fee Simple   No No N/A 99465.17 12.8 99465.17 12.8 No 58.78 N/A No No No Borrower As Individual Borrower As Individual N/A N/A
XXXX   1923691 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A N/A   11/13/2024 6.780% Manual Underwriting Manual Underwriting No 9.098%   8.875% 8.875% $1,993.09 No   $3,793.44 $316.12 $4,443.00 $370.25 $0.00 $0.00 $0.00 $2,679.46 $13,856.96 N/A XXXX   $0.00 XXXX   32.01% 32.01% 32.01% 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 12 0 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   N/A Borrower - SESoleProprietor - Personal Bank Statements Verified - 2023, 2024 Borrower - 2023, 2024 XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 677                 No                                       7 XXXX XXXX 1 XXXX XXXX   0     0     0   0 0 0 0 0 0 0 0 0 0 0 Unknown No     No US Citizen US Citizen N/A Real ID Driver's License   TX United States XXXX     N/A   XXXX               XXXX                                                               Fee Simple   No No N/A .00 0.0 99072.86 37.0 No 69.97 N/A No No No Borrower As Individual N/A N/A N/A
XXXX   1923688 XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A N/A   11/15/2024 6.780% Manual Underwriting Manual Underwriting No 9.944%   9.500% 9.500% $2,874.96 No   $2,825.04 $235.42 $1,710.96 $142.58 $540.00 $45.00 $0.00 $3,297.96 $6,952.60 N/A XXXX TN $45.00 XXXX Monthly 38.47% 37.35% 37.35% 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 12 0 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   N/A Borrower - SESCorp - Personal Bank Statements Verified - 2023, 2024 Borrower - 2023, 2024 XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX 756                 No                                       NA XXXX XXXX 0 XXXX XXXX   0     0     0   0 0 0 0 0 0 0 0 0 0 0 Unknown No     No Permanent Resident Alien Permanent Non-US Citizen N/A Real ID Driver's License   FL United States XXXX     I-551 Permanent Resident Card    XXXX               XXXX                                                               Fee Simple   No No N/A 12694.22 3.9 12694.22 3.9 No 90.0 N/A No No No Borrower As Individual N/A N/A N/A
XXXX   1939517 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A N/A   11/11/2024 6.780% Manual Underwriting Manual Underwriting No 9.494%   9.250% 9.250% $14,160.30 No   $7,149.72 $595.81 $3,535.56 $294.63 $750.00 $62.50 $0.00 $15,113.24 $60,270.39 N/A XXXX AZ $62.50 XXXX Annually 26.19% 26.19% 26.19% No No             Self-Employed Not Employed         24 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 24 No N/A 0 0 100.00% 100.00% 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 - SESoleProprietor, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2022, 2023, 2024 || Co Borrower - N/A Borrower - 2022, 2023, 2024 || Co Borrower XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX 732                 No                                       NA XXXX XXXX 0 XXXX XXXX   0     0     0   0 0 0 0 0 0 0 0 0 0 0 Unknown No     No US Citizen US Citizen N/A Standard Driver's License - Not for federal use   AZ United States XXXX     N/A   XXXX US Citizen US Citizen N/A Standard Driver's License - Not for federal Use   AZ United States XXXX     N/A                                                         Fee Simple   No No N/A 181545.76 12.0 181545.76 12.0 No 85.0 N/A No No No Borrower As Individual Borrower As Individual N/A N/A
XXXX   1939846 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A N/A   11/20/2024 6.830% Manual Underwriting Manual Underwriting No 9.644%   9.375% 9.375% $6,175.74 No   $9,874.08 $822.84 $9,696.00 $808.00 $2,055.96 $171.33 $0.00 $7,977.91 $17,299.44 N/A XXXX TX $171.33 XXXX Annually 42.34% 42.34% 42.34% No               Self-Employed           24 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 24 0 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   N/A Borrower - SESoleProprietor - Personal Bank Statements Verified - 2023, 2024 Borrower - 2023, 2024 XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 641                 No                                       NA XXXX XXXX 0 XXXX XXXX   0     0     0   0 0 0 0 0 0 0 0 0 0 0 Unknown No     No US Citizen US Citizen N/A Real ID Driver's License   TX United States XXXX     N/A   XXXX               XXXX                                                               Fee Simple   No No N/A 74843.40 9.4 74843.40 9.4 No 75.0 N/A No No No Borrower As Individual N/A N/A N/A
XXXX   1959617 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A N/A   12/05/2024 6.760% Manual Underwriting Manual Underwriting No 7.195%   6.375% 6.375% $754.88 No   $1,801.80 $150.15 $2,672.64 $222.72 $440.04 $36.67 $0.00 $1,164.42 $1,301.12 N/A XXXX FL $36.67 XXXX Annually 49.96% 49.96% 49.96% No               Employed           Full Doc 0 0 1 Month NA N/A 0 N/A 0 2 0 0 0 3 2 NA NA No No 0 No No Yes 0 0 No N/A 0 0 0.00% 0.00%     N/A 0 N/A N/A N/A 0 NA 0 No 0 Yes 21 21 FNMA 1005 NA 0 0 N/A No 0   N/A Borrower - Wage - 2 YRS Personal Tax Returns Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024 - 2024 Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024 - 2024 XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX 750                 No                                       NA XXXX XXXX 0 XXXX XXXX   0     0     0   0 0 0 0 0 0 0 0 0 0 0 Unknown No     No US Citizen US Citizen N/A Real ID Driver's License   FL United States XXXX     N/A   XXXX               XXXX                                                               Fee Simple   No No N/A .00 0.0 42215.88 36.3 No 33.7 N/A No No No Borrower As Individual N/A N/A N/A
XXXX   1988128 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A N/A   01/03/2025 6.900% Manual Underwriting Manual Underwriting No 7.563%   7.125% 7.125% $4,580.71 No   $2,219.28 $184.94 $1,704.00 $142.00 $0.00 $0.00 $0.00 $4,907.65 $13,403.03 N/A XXXX   $0.00 XXXX   35.44% 35.39% 35.39% 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 Yes No No 0 No Yes Yes 0 12 No N/A 0 0 78.05% 100.00% 0.00% Stocks/Bonds 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 - SESoleProprietor - Business Bank Statements Verified - 2023, 2024 || Co Borrower - Retirement, SSI and Disability - Award Letter Verified Borrower - 2023, 2024 || Co Borrower XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX 743                 No                                       NA XXXX XXXX 0 XXXX XXXX   0     0     0   0 0 0 0 0 0 0 0 0 0 0 Unknown No     No US Citizen US Citizen N/A Real ID Driver's License   AZ United States XXXX     N/A   XXXX US Citizen US Citizen N/A Real ID Driver's License   AZ United States XXXX     N/A                                                         Fee Simple   No No N/A 34458.47 7.0 34458.47 7.0 No 85.0 N/A No No No Borrower As Individual Borrower As Individual N/A N/A
XXXX   1973087 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A N/A   01/08/2025 6.890% Manual Underwriting Manual Underwriting No 9.132%   8.875% 8.875% $5,682.10 No   $1,931.04 $160.92 $2,969.04 $247.42 $0.00 $0.00 $0.00 $6,090.44 $12,513.01 N/A XXXX   $0.00 XXXX   43.89% 43.48% 43.48% No               Self-Employed           24 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 24 0 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   N/A Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Personal Bank Statements Verified - 2022, 2023, 2024 Borrower - 2022, 2023, 2024 XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX 749                 No                                       NA XXXX XXXX 0 XXXX XXXX   0     0     0   0 0 0 0 0 0 0 0 0 0 0 Unknown No     No US Citizen US Citizen N/A Real ID Driver's License   TN United States XXXX     N/A   XXXX               XXXX                                                               Fee Simple   No No N/A 139280.77 22.9 139280.77 22.9 No 90.0 N/A No No No Borrower As Individual N/A N/A N/A
XXXX   1979033 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A N/A   01/06/2025 6.890% Manual Underwriting Manual Underwriting No 8.692%   8.375% 8.375% $6,384.61 No   $10,269.12 $855.76 $3,813.00 $317.75 $0.00 $0.00 $0.00 $7,558.12 $8,079.71 N/A XXXX   $0.00 XXXX   49.90% 49.90% 49.90% No No             Employed Retired         Full Doc 2 YRS W2 0 2+ Months NA N/A 0 N/A 0 0 0 0 0 3 1 NA Yes No No 0 No No Yes 0 0 No N/A 0 0 0.00% 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 - Wage, Overtime and Bonus, Other REO Net Rental Income(Loss) - 2 YRS W2 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2022, 2023, 2024 || Co Borrower - SSI and Disability - 3 YRS Executed 4506T Verified, Award Letter Verified - 2023 - 2023 Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2022, 2023, 2024 || Co Borrower - 3 YRS Executed 4506T Verified - 2023 - 2023 XXXX XXXX MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX 708                 No                                       NA XXXX XXXX 0 XXXX XXXX   0     0     0   0 0 0 0 0 0 0 0 0 0 0 Unknown No     No US Citizen US Citizen N/A Real ID Driver's License   MA United States XXXX     N/A   XXXX US Citizen US Citizen N/A Real ID Driver's License   MA United States XXXX     N/A                                                         Fee Simple   No No N/A .00 0.0 95552.38 12.6 No 80.0 N/A No No No Borrower As Individual Borrower As Individual N/A N/A
XXXX   1979032 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A N/A   01/22/2025 7.070% Manual Underwriting Manual Underwriting No 8.945%   8.625% 8.625% $3,920.06 No   $4,463.88 $371.99 $3,766.44 $313.87 $159.96 $13.33 $0.00 $4,619.25 $15,378.39 N/A XXXX FL $13.33 XXXX Annually 38.65% 38.49% 38.49% 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       NA 0 No   NA 0 0 N/A     0   No 0   N/A Borrower - SESoleProprietor - Business Bank Statements Verified - 2024 - 2024 Borrower - 2024 - 2024 XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX 680                 No                                       NA XXXX XXXX 0 XXXX XXXX   0     0     0   0 0 0 0 0 0 0 0 0 0 0 Unknown No     No US Citizen US Citizen N/A Real ID Driver's License   TN United States XXXX     N/A   XXXX               XXXX                                                               Fee Simple   No No N/A 94338.13 20.4 94338.13 20.4 No 80.0 N/A No No No Borrower As Individual N/A N/A N/A
XXXX   2007423 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX ATR/QM: Exempt No No No N/A N/A       Manual Underwriting Manual Underwriting No     7.625% 7.625% $6,587.79 No   $8,392.32 $699.36 $8,889.84 $740.82 $0.00 $0.00 $0.00 $8,027.97   N/A XXXX   $0.00 XXXX   0.00% 0.00% 0.00% Yes               Unknown           Debt Service Coverage Ratio 0 0 NA NA N/A 0 N/A 0 0 0 0 0 0 0 NA NA No No 0 No No N/A 0 0 No N/A 0 0 0.00%     Stocks/Bonds,Stocks/Bonds N/A 0 N/A N/A N/A 0 NA 0 No 0 NA 0 0 N/A NA 0 0 N/A Yes 1.981 1.981 N/A Borrower Borrower XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX 772                 No                                       NA XXXX XXXX 0 XXXX XXXX   0     0     0   0 0 0 0 0 0 0 0 0 0 0 Unknown No     No US Citizen US Citizen N/A Real ID Driver's License   CO United States XXXX     N/A   XXXX               XXXX                                                               Fee Simple   No No N/A 528411.67 65.8 528411.67 65.8 No 85.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A
XXXX   1995589 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX ATR/QM: Exempt No No No N/A N/A       Manual Underwriting Manual Underwriting No     7.125% 7.125% $2,317.59 No   $7,965.00 $663.75 $1,313.04 $109.42 $0.00 $0.00 $0.00 $3,090.76   N/A XXXX   $0.00 XXXX   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 1.003 1.003 N/A 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 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 OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX 763                 No                                       NA XXXX XXXX 0 XXXX XXXX   0     0     0   0 0 0 0 0 0 0 0 0 0 0 Unknown No     No US Citizen US Citizen N/A Real ID Driver's License   CA United States XXXX     N/A   XXXX               XXXX                                                               Fee Simple   No No N/A 374543.49 121.2 374543.49 121.2 No 64.91 N/A No No Yes Borrower As Individual N/A N/A N/A
XXXX   1995587 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX ATR/QM: Exempt No No No N/A N/A       Manual Underwriting Manual Underwriting No     8.125% 8.125% $9,498.02 No   $23,610.84 $1,967.57 $10,372.08 $864.34 $1,872.00 $156.00 $0.00 $12,485.93   N/A XXXX SC $156.00 XXXX Annually 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 1.001 1.02 N/A 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 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 SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX 758                 No                                       NA XXXX XXXX 0 XXXX XXXX   0     0     0   0 0 0 0 0 0 0 0 0 0 0 Unknown No     No US Citizen US Citizen N/A Real ID Driver's License   SC United States XXXX     N/A   XXXX               XXXX                                                               Fee Simple   No No N/A 788011.56 63.1 788011.56 63.1 No 80.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A
XXXX   1995599 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX ATR/QM: Exempt No No No N/A N/A       Manual Underwriting Manual Underwriting No     8.125% 8.125% $2,073.79 No   $5,137.44 $428.12 $2,209.92 $184.16 $1,389.96 $115.83 $0.00 $2,801.90   N/A XXXX TX $115.83 XXXX Annually 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 0.812 0.812 N/A 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 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 TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 681                 No                                       NA XXXX XXXX 0 XXXX XXXX   0     0     0   0 0 0 0 0 0 0 0 0 0 0 Unknown No     No US Citizen US Citizen N/A Standard Driver's License - Not for federal use   NY United States XXXX     N/A   XXXX               XXXX                                                               Fee Simple   No No N/A 12014.13 4.3 12014.13 4.3 No 70.0 N/A No No Yes Borrower As Individual N/A N/A N/A
XXXX   1995588 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX ATR/QM: Exempt No No No N/A N/A       Manual Underwriting Manual Underwriting No     8.000% 8.000% $2,066.67 No   $1,868.40 $155.70 $986.04 $82.17 $1,116.00 $93.00 $0.00 $2,397.54   N/A XXXX AZ $93.00 XXXX Monthly 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 1.001 1.001 N/A 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 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 AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX 715                 No                                       NA XXXX XXXX 0 XXXX XXXX   0     0     0   0 0 0 0 0 0 0 0 0 0 0 Unknown No     No US Citizen US Citizen N/A Standard Driver's License - Not for federal use   AZ United States XXXX     N/A   XXXX               XXXX                                                               Fee Simple   No No N/A 57357.17 23.9 57357.17 23.9 No 74.7 N/A No No Yes Borrower As Individual N/A N/A N/A
XXXX   2007428 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX ATR/QM: Exempt No No No N/A N/A       Manual Underwriting Manual Underwriting No     6.875% 6.875% $5,699.55 No   $5,784.00 $482.00 $2,838.96 $236.58 $0.00 $0.00 $0.00 $6,418.13   N/A XXXX   $0.00 XXXX   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 1.253 1.253 N/A 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 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 AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX 800                 No                                       NA XXXX XXXX 0 XXXX XXXX   0     0     0   0 0 0 0 0 0 0 0 0 0 0 Unknown No     No US Citizen US Citizen N/A Real ID Driver's License   FL United States XXXX     N/A   XXXX               XXXX                                                               Fee Simple   No No N/A 722898.85 112.6 722898.85 112.6 No 75.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A
XXXX   1996200 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A N/A   01/17/2025 6.980% Manual Underwriting Manual Underwriting No 7.476%   7.375% 7.375% $6,216.08 No   $20,000.04 $1,666.67 $4,185.96 $348.83 $0.00 $0.00 $0.00 $8,231.58 $36,623.05 N/A XXXX   $0.00 XXXX   23.88% 23.95% 23.95% 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% 0.00% Proceeds from Sale 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 - SESoleProprietor, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2024, 2025 || Co Borrower - N/A Borrower - 2024, 2025 || Co Borrower XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX 809                 No                                       NA XXXX XXXX 0 XXXX XXXX   0     0     0   0 0 0 0 0 0 0 0 0 0 0 Unknown No     No US Citizen US Citizen N/A Real ID Driver's License   CA United States XXXX     N/A   XXXX US Citizen US Citizen N/A Real ID Driver's License   CA United States XXXX     N/A                                                         Fee Simple   No No N/A 939831.31 114.2 939831.31 114.2 No 57.69 N/A No No No Borrower As Individual Borrower As Individual N/A N/A
XXXX   1996199 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A N/A   03/04/2025 6.730% Manual Underwriting Manual Underwriting No 7.437%   7.375% 7.375% $15,194.85 No   $7,042.08 $586.84 $2,555.04 $212.92 $0.00 $0.00 $0.00 $15,994.61 $71,192.21 N/A XXXX   $0.00 XXXX   27.74% 27.68% 27.68% No               Self-Employed           24 Month Bank Statement 0   NA   N/A 0     0 0     0 0 NA   No No 0 No Yes Yes 0 24 No       100.00% 100.00%     N/A 0 N/A       NA 0 No   NA 0 0 N/A     0   No 0   N/A Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2023, 2024, 2025 Borrower - 2023, 2024, 2025 XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX 728                 No                                       NA XXXX XXXX 0 XXXX XXXX   0     0     0   0 0 0 0 0 0 0 0 0 0 0 Unknown No     No Permanent Resident Alien Permanent Non-US Citizen N/A Real ID Driver's License   AZ United States XXXX     I-551 Conditional Permanent Resident Card w/ USCIS 1-751   XXXX               XXXX                                                               Fee Simple   No No N/A 836939.53 52.3 836939.53 52.3 No 80.0 N/A No No No Borrower As Individual N/A N/A N/A
XXXX   2007424 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A N/A   02/13/2025 6.870% Manual Underwriting Manual Underwriting No 7.828%   7.625% 7.625% $6,858.52 No   $10,715.16 $892.93 $9,528.96 $794.08 $0.00 $0.00 $0.00 $8,545.53 $52,505.77 N/A XXXX   $0.00 XXXX   37.21% 37.21% 37.21% 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%   Stocks/Bonds,Stocks/Bonds N/A 0 N/A       NA 0 No   NA 0 0 N/A     0   No 0   N/A Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2024, 2025 Borrower - 2024, 2025 XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX 772                 No                                       NA XXXX XXXX 0 XXXX XXXX   0     0     0   0 0 0 0 0 0 0 0 0 0 0 Unknown No     No US Citizen US Citizen N/A Real ID Driver's License   CO United States XXXX     N/A   XXXX               XXXX                                                               Fee Simple   No No N/A 171297.72 20.1 171297.72 20.1 No 85.0 N/A No No No Borrower As Individual N/A N/A N/A
XXXX   2007435 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX ATR/QM: Exempt No No No N/A N/A       Manual Underwriting Manual Underwriting No     6.750% 6.750% $5,990.63 No   $9,916.08 $826.34 $1,192.20 $99.35 $0.00 $0.00 $0.00 $6,916.32   N/A XXXX   $0.00 XXXX   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 1.084 1.084 N/A 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 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 CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX 707                 No                                       NA XXXX XXXX 0 XXXX XXXX   0     0     0   0 0 0 0 0 0 0 0 0 0 0 Unknown No     No US Citizen US Citizen N/A Real ID Driver's License   CA United States XXXX     N/A   XXXX               XXXX                                                               Fee Simple   No No N/A 220434.16 31.9 220434.16 31.9 No 56.89 N/A No No Yes Borrower As Individual N/A N/A N/A
XXXX   2000685 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A N/A   02/14/2025 6.870% Manual Underwriting Manual Underwriting No 7.354%   7.000% 7.000% $2,900.72 No   $6,061.68 $505.14 $1,636.80 $136.40 $0.00 $0.00 $0.00 $3,542.26 $13,816.21 N/A XXXX   $0.00 XXXX   33.26% 31.56% 31.56% No No             Self-Employed Not Employed         24 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 24 No N/A 0 0 100.00% 100.00% 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 - SESoleProprietor, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2023, 2024 || Co Borrower - N/A Borrower - 2023, 2024 || Co Borrower XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX 806                 No                                       NA XXXX XXXX 0 XXXX XXXX   0     0     0   0 0 0 0 0 0 0 0 0 0 0 Unknown No     No US Citizen US Citizen N/A Standard Driver's License - Not for federal use   PA United States XXXX     N/A   XXXX US Citizen US Citizen N/A Standard Driver's License - Not for federal Use   PA United States XXXX     N/A                                                         Fee Simple   No No N/A 19610.47 5.5 19610.47 5.5 No 80.0 N/A No No No Borrower As Individual Borrower As Individual N/A N/A
XXXX   2000688 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX ATR/QM: Exempt No No No N/A N/A       Manual Underwriting Manual Underwriting No     7.250% 7.250% $1,637.22 No   $3,223.08 $268.59 $1,315.44 $109.62 $0.00 $0.00 $0.00 $2,015.43   N/A XXXX   $0.00 XXXX   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 1.141 1.141 N/A 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 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 TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 757                 No                                       NA XXXX XXXX 0 XXXX XXXX   0     0     0   0 0 0 0 0 0 0 0 0 0 0 Unknown No     No US Citizen US Citizen N/A Real ID Driver's License   TX United States XXXX     N/A   XXXX               XXXX                                                               Fee Simple   No No N/A 51362.15 25.5 277212.83 137.6 No 59.78 N/A No No Yes Borrower As Individual N/A N/A N/A
XXXX   2000686 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX ATR/QM: Exempt No No No N/A N/A       Manual Underwriting Manual Underwriting No     6.500% 6.500% $1,534.50 No   $4,849.68 $404.14 $612.00 $51.00 $0.00 $0.00 $0.00 $1,989.64   N/A XXXX   $0.00 XXXX   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 1.181 1.181 N/A 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 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 NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX 805                 No                                       NA XXXX XXXX 0 XXXX XXXX   0     0     0   0 0 0 0 0 0 0 0 0 0 0 Unknown No     No US Citizen US Citizen N/A Real ID Driver's License   NV United States XXXX     N/A   XXXX               XXXX                                                               Fee Simple   No No N/A 861254.37 432.9 861254.37 432.9 No 65.0 N/A No No Yes Borrower As Individual N/A N/A N/A
XXXX   2000691 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX ATR/QM: Exempt No No No N/A N/A       Manual Underwriting Manual Underwriting No     8.375% 8.375% $3,026.99 No   $5,763.12 $480.26 $3,498.00 $291.50 $0.00 $0.00 $0.00 $3,798.75   N/A XXXX   $0.00 XXXX   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 1.0 1.0 N/A 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 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 RI XXXX XXXX XXXX XXXX XXXX XXXX XXXX 684                 No                                       NA XXXX XXXX 0 XXXX XXXX   0     0     0   0 0 0 0 0 0 0 0 0 0 0 Unknown No     No US Citizen US Citizen N/A Real ID Driver's License   RI United States XXXX     N/A   XXXX               XXXX                                                               Fee Simple   No No N/A 67033.31 17.7 67033.31 17.7 No 75.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A
XXXX   2000692 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A N/A   03/05/2025 6.730% Manual Underwriting Manual Underwriting No 6.832%   6.750% 6.750% $9,566.82 No   $12,126.36 $1,010.53 $5,301.00 $441.75 $0.00 $0.00 $0.00 $11,019.10 $23,531.66 N/A XXXX   $0.00 XXXX   32.75% 32.71% 32.71% No               Self-Employed           24 Month Bank Statement 0   NA   N/A 0     0 0     0 0 NA   No No 0 No Yes Yes 0 24 No       100.00% 50.00%     N/A 0 N/A       NA 0 No   NA 0 0 N/A     0   No 0   N/A Borrower - SESCorp - Business Bank Statements Verified - 2024, 2023 Borrower - 2024, 2023 XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX 792                 No                                       NA XXXX XXXX 0 XXXX XXXX   0     0     0   0 0 0 0 0 0 0 0 0 0 0 Unknown No     No US Citizen US Citizen N/A Real ID Driver's License   NC United States XXXX     N/A   XXXX               XXXX                                                               Fee Simple   No No N/A .00 0.0 986992.62 89.6 No 50.86 N/A No No No Borrower As Individual N/A N/A N/A
XXXX   2000684 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX ATR/QM: Exempt No No No N/A N/A       Manual Underwriting Manual Underwriting No     6.625% 6.625% $1,591.17 No   $3,614.04 $301.17 $1,459.92 $121.66 $0.00 $0.00 $0.00 $2,014.00   N/A XXXX   $0.00 XXXX   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 1.04 1.04 N/A 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 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 CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX 766                 No                                       NA XXXX XXXX 0 XXXX XXXX   0     0     0   0 0 0 0 0 0 0 0 0 0 0 Unknown No     No US Citizen US Citizen N/A Real ID Driver's License   CA United States XXXX     N/A   XXXX               XXXX                                                               Fee Simple   No No N/A .00 0.0 234692.92 116.5 No 70.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A
XXXX   2000689 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX ATR/QM: Exempt No No No N/A N/A       Manual Underwriting Manual Underwriting No     7.125% 7.125% $5,265.32 No   $8,903.88 $741.99 $1,637.04 $136.42 $0.00 $0.00 $0.00 $6,143.73   N/A XXXX   $0.00 XXXX   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 1.549 1.549 N/A 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 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 CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX 767                 No                                       NA XXXX XXXX 0 XXXX XXXX   0     0     0   0 0 0 0 0 0 0 0 0 0 0 Unknown No     No US Citizen US Citizen N/A Real ID Driver's License   CA United States XXXX     N/A   XXXX               XXXX                                                               Fee Simple   No No N/A .00 0.0 115828.26 18.9 No 70.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A
XXXX   2007417 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX ATR/QM: Exempt No No No N/A N/A       Manual Underwriting Manual Underwriting No     7.375% 7.375% $6,906.75 No   $3,975.24 $331.27 $1,701.96 $141.83 $0.00 $0.00 $0.00 $7,379.85   N/A XXXX   $0.00 XXXX   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 1.355 1.355 N/A 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 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 AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX 778                 No                                       NA XXXX XXXX 0 XXXX XXXX   0     0     0   0 0 0 0 0 0 0 0 0 0 0 Unknown No     No US Citizen US Citizen N/A Standard Driver's License - Not for federal use   CA United States XXXX     N/A   XXXX               XXXX                                                               Fee Simple   No No N/A 307984.19 41.7 307984.19 41.7 No 80.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A
XXXX   2007415 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A N/A   03/10/2025 6.620% Manual Underwriting Manual Underwriting No 6.761%   6.375% 6.375% $2,495.48 No   $6,249.96 $520.83 $791.04 $65.92 $6,360.00 $530.00 $0.00 $3,612.23 $3,616.38 N/A XXXX CA $530.00 XXXX Monthly 96.12% 49.97% 49.97% No No             Not Employed Not Employed         Retirement Income Doc Verified 0 0 NA NA N/A 0 N/A 0 1 0 1 0 3 3 Yes Yes No No 0 No No Yes 0 0 No Yes 0 0 0.00% 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 - SSI and Disability, Retirement, Other - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified, Award Letter Verified - 2022, 2024, 2023, 2025 || Co Borrower - SSI and Disability - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified, Award Letter Verified - 2024, 2022, 2023, 2025 Borrower - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified - 2022, 2024, 2023, 2025 || Co Borrower - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified - 2024, 2022, 2023, 2025 XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX 796                 No                                       NA XXXX XXXX 0 XXXX XXXX   0     0     0   0 0 0 0 0 0 0 0 0 0 0 Unknown No     No US Citizen US Citizen N/A Standard Driver's License - Not for federal use   TN United States XXXX     N/A   XXXX US Citizen US Citizen N/A Standard Driver's License - Not for federal Use   TN United States XXXX     N/A                                                         Fee Simple   No No N/A 219113.37 60.7 219113.37 60.7 No 80.0 N/A No No No Borrower As Individual Borrower As Individual N/A N/A
XXXX   2007426 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A N/A   03/04/2025 6.730% Manual Underwriting Manual Underwriting No 6.861%   6.625% 6.625% $12,806.21 No   $6,646.08 $553.84 $7,875.00 $656.25 $4,860.00 $405.00 $0.00 $14,421.30 $48,370.89 N/A XXXX AZ $405.00 XXXX Monthly 0.00% 35.06% 35.06% No               Self-Employed           12 Month Bank Statement 0   NA   N/A 0     0 0     0 0 NA   No No 0 No Yes Yes 12 0 No       100.00% 100.00%     N/A 0 N/A       NA 0 No   NA 0 0 N/A     0   No 0   N/A Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Personal Bank Statements Verified - 2024, 2025 Borrower - 2024, 2025 XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX 746                 No                                       NA XXXX XXXX 0 XXXX XXXX   0     0     0   0 0 0 0 0 0 0 0 0 0 0 Unknown No     No US Citizen US Citizen N/A Standard Driver's License - Not for federal use   OR United States XXXX     N/A   XXXX               XXXX                                                               Fee Simple   No No N/A 132985.02 9.2 132985.02 9.2 No 80.0 N/A No No No Borrower As Individual N/A N/A N/A
XXXX   2007433 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A N/A   03/05/2025 6.070% Manual Underwriting Manual Underwriting No 7.060%   6.625% 6.625% $4,082.67 No   $7,749.96 $645.83 $3,930.96 $327.58 $2,256.00 $188.00 $0.00 $5,244.08 $8,405.67 N/A XXXX CA $188.00 XXXX Monthly 45.07% 44.94% 44.94% 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       NA 0 No   NA 0 0 N/A     0   No 0   N/A Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2024, 2025 Borrower - 2024, 2025 XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX 770                 No                                       NA XXXX XXXX 0 XXXX XXXX   0     0     0   0 0 0 0 0 0 0 0 0 0 0 Unknown No     No US Citizen US Citizen N/A Real ID Driver's License   CA United States XXXX     N/A   XXXX               XXXX                                                               Fee Simple   No No N/A 162269.91 30.9 38269.91 7.3 No 75.0 N/A No No No Borrower As Individual N/A N/A N/A
XXXX   2007434 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A N/A   03/03/2025 6.730% Manual Underwriting Manual Underwriting No 7.071%   6.875% 6.875% $3,202.53 No   $3,993.84 $332.82 $2,192.04 $182.67 $0.00 $0.00 $0.00 $3,718.02 $18,432.51 N/A XXXX   $0.00 XXXX   19.42% 19.18% 19.18% 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       NA 0 No   NA 0 0 N/A     0   No 0   N/A Borrower - SESCorp - Business Bank Statements Verified - 2024, 2025 Borrower - 2024, 2025 XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX 774                 No                                       NA XXXX XXXX 0 XXXX XXXX   0     0     0   0 0 0 0 0 0 0 0 0 0 0 Unknown No     No US Citizen US Citizen N/A Standard Driver's License - Not for federal use   AZ United States XXXX     N/A   XXXX               XXXX                                                               Fee Simple   No No N/A 36731.25 9.9 36731.25 9.9 No 50.05 N/A No No No Borrower As Individual N/A N/A N/A
XXXX   2007421 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX ATR/QM: Exempt No No No N/A N/A       Manual Underwriting Manual Underwriting No     7.250% 7.250% $1,314.89 No   $8,764.80 $730.40 $938.04 $78.17 $0.00 $0.00 $0.00 $2,123.46   N/A XXXX   $0.00 XXXX   0.00% 0.00% 0.00% Yes Yes             Unknown Unknown         Debt Service Coverage Ratio           0             0 0     No No 0 No No   0 0 No   0 0 0.00%         0       0   0 No 0   0 0     0 0   Yes 1.107 1.106 N/A 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 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 || Co 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 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 || Co 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 IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX 771                 No                                       NA XXXX XXXX 0 XXXX XXXX   0     0     0   0 0 0 0 0 0 0 0 0 0 0 Unknown No     No US Citizen US Citizen N/A Standard Driver's License - Not for federal use   IL United States XXXX     N/A   XXXX US Citizen US Citizen N/A Standard Driver's License - Not for federal Use   IL United States XXXX     N/A                                                         Fee Simple   No No N/A 69569.44 32.8 69569.44 32.8 No 75.0 N/A No No Yes Borrower As Individual Borrower As Individual N/A N/A
XXXX   2007420 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A N/A   02/26/2025 6.850% Manual Underwriting Manual Underwriting No 7.052%   6.875% 6.875% $5,452.51 No   $29,201.88 $2,433.49 $1,926.84 $160.57 $0.00 $0.00 $0.00 $8,046.57 $14,715.36 N/A XXXX   $0.00 XXXX   43.83% 43.44% 43.44% 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% 71.30%     N/A 0 N/A       NA 0 No   NA 0 0 N/A     0   No 0   N/A Borrower - SESCorp - Business Bank Statements Verified - 2024, 2025 Borrower - 2024, 2025 XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 705                 No                                       NA XXXX XXXX 0 XXXX XXXX   0     0     0   0 0 0 0 0 0 0 0 0 0 0 Unknown No     No US Citizen US Citizen N/A Real ID Driver's License   TX United States XXXX     N/A   XXXX               XXXX                                                               Fee Simple   No No N/A .00 0.0 240708.61 29.9 No 48.82 N/A No No No Borrower As Individual N/A N/A N/A
XXXX   2007430 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A N/A   03/04/2025 6.730% Manual Underwriting Manual Underwriting No 7.010%   6.875% 6.875% $8,432.35 No   $30,440.04 $2,536.67 $4,374.96 $364.58 $0.00 $0.00 $0.00 $11,333.60 $26,887.42 N/A XXXX   $0.00 XXXX   39.93% 39.74% 39.74% 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% 50.00%     N/A 0 N/A       NA 0 No   NA 0 0 N/A     0   No 0   N/A Borrower - SEPartnership, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2024 - 2024 Borrower - 2024 - 2024 XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX 753                 No                                       NA XXXX XXXX 0 XXXX XXXX   0     0     0   0 0 0 0 0 0 0 0 0 0 0 Unknown No     No US Citizen US Citizen N/A Real ID Driver's License   CA United States XXXX     N/A   XXXX               XXXX                                                               Fee Simple   No No N/A 68184.14 6.0 68184.14 6.0 No 73.1 N/A No No No Borrower As Individual N/A N/A N/A