Exhibit 99.5
Supplemental Data
| SitusAMC Loan ID | Loan ID | Seller Loan ID | Investor Loan Number | TILA Status Loan Designation | Exempt QM/ATR Equivalency | CDFI Bank Originated Loan | Application Date | TRID Tested | GSE | HOEPA Fees | TILA Fees | Rate Lock Date | Calculated APR | Original P&I | Qualifying P&I | Qualifying Rate | Is Borrower Non Occupant | Is Co Borrower Non Occupant | Borrower Employment Indicator | Co Borrower Employment Indicator | Co Borrower 2 Employment Indicator | Co Borrower 3 Employment Indicator | Co Borrower2 Length of Employment | Co Borrower3 Length of Employment | Borrower Foreign National Indicator | Co Borrower Foreign National Indicator | Co Borrower 2 Foreign National Indicator | Co Borrower 3 Foreign National Indicator | Borrower Country Name | Co Borrower Country Name | Co Borrower2 Country Name | Co Borrower3 Country Name | Residual Income | Num Units | Annual Property Tax | Annual Insurance Costs | Monthly Property Tax | Monthly Insurance Costs | HOA Name | HOA Address State | Fee Amount | Next Due Date | HOA Payment Frequency | Investor DTI | QM DTI | Non QM DTI | Original Credit Report Date | Qualifying Credit Score | Third Wage Earner Original FICO Equifax | Third Wage Earner Original FICO Experian | Third Wage Earner Original FICO Transunion | Fourth Wage Earner Original FICO Equifax | Fourth Wage Earner Original FICO Experian | Fourth Wage Earner Original FICO Transunion | Most Recent Updated Credit Report Date | Primary Wage Earner Updated FICO Equifax | Primary Wage Earner Updated FICO Experian | Primary Wage Earner Updated FICO Transunion | Secondary Wage Earner Updated FICO Equifax | Secondary Wage Earner Updated FICO Experian | Secondary Wage Earner Updated FICO Transunion | Third Wage Earner Updated FICO Equifax | Third Wage Earner Updated FICO Experian | Third Wage Earner Updated FICO Transunion | Fourth Wage Earner Updated FICO Equifax | Fourth Wage Earner Updated FICO Experian | Fourth Wage Earner Updated FICO Transunion | Most Recent Updated Co Borrower 2 FICO | Most Recent Updated Co Borrower 3 FICO | Co Borrower 2 Asset Verification Level | Co Borrower 3 Asset Verification Level | Co Borrower 2 Income Verification Level | Co Borrower 3 Income Verification Level | Co Borrower 2 Employment Verification Level | Co Borrower 3 Employment Verification Level | Asset Depletion Flag | Bank Statements Flag | Number of Statements | Type of Statements | Percent of Income From Statements | Borrower Business Ownership % | CoBorrower Business Ownership % | P&L Type | Income Doc Detail | Tax Return Doc Details | Document Level | Document Type | Most Recent Bankruptcy Type | Most Recent Bankruptcy Filing Date | Most Recent Bankruptcy Discharge Date | Number of Bankruptcy Events | Months Bankruptcy (7, 11) | Months Bankruptcy (13) | Most Recent Deed-in -Lieu Date | Number of Deed-in-Lieu Events | Months Deed-in-Lieu | Most Recent Short Sale Date | Number of Short Sale Events | Months Short Sale (or Pre FC) | Most Recent Foreclosure Date | Number of Foreclosure Events | Months Foreclosure | Prior Mortgage/Rent Late 30d in 24m | Prior Mortgage/Rent Late 60d in 24m | Prior Mortgage/Rent Late 90d in 24m | Has ACH | Guideline Name | UW Guideline Author | ATR QM Total Points and Fees Audit | Loan Regulation Benchmark Date | Benchmark Rate | HUD 1 Page 1 Credits Total | Collateral Underwriter Risk Score | AUS Decision System | Property Inspection Waiver (PIW) | Rating Result | Eligible For Rep and Warrant Relief Per Collateral Advisor | Is Equity Shared Loan | Investor Qualifying Rate | Borrower Years of W2s | CoBorrower Years of W2s | Years of Personal Tax Returns | Years of Business Tax Returns | Years of 4506T | Years of Tax Transcripts | Months of Personal Bank Statements | Months of Business Bank Statements | Months of Profit and Loss Statements | Expense Letter | DSCR | Inverse DSCR | Subordinate Lien Type | Is Shared Appreciation Mortgage | Duration of Payout Months | Seller VSH Indicator | Seller Indicated VSH Guideline | Validated VSH | IO Remaining Amortization Term at Recast | Maturity Date | Borrower Own Funds Cash Amount | Borrower Own Funds Percent | Is the Note an eNote | Borrower WVOE - # of Months of Income provided | Co Borrower WVOE - # of Months of Income provided | Co Borrower2 WVOE - # of Months of Income provided | Co Borrower3 WVOE - # of Months of Income provided | Were the origination guidelines utilized for this diligence review? | Title Evidence | Ownership Type | Borrower Type | Borrower Designation | Co Borrower Type | Co Borrower Designation | Co Borrower2 Type | Co Borrower2 Designation | Co Borrower3 Type | Co Borrower3 Designation | Senior Lien Position | Senior Lien Original Loan Amount | Senior Lien Original Interest Rate | Senior Lien Note Projected Closing Date | Senior Lien Current Balance | Senior Lien Current P&I | Loan Closed in the Name of an Entity | Note Executed by | Assumable Mortgage Flag | Leasehold Flag | Buydown Flag | Borrower Experian FICO Model Used | Borrower Equifax FICO Model Used | Borrower TransUnion FICO Model Used | Co Borrower Experian FICO Model Used | Co Borrower Equifax FICO Model Used | Co Borrower TransUnion FICO Model Used | Co Borrower2 Experian FICO Model Used | Co Borrower2 Equifax FICO Model Used | Co Borrower2 TransUnion FICO Model Used | Co Borrower3 Experian FICO Model Used | Co Borrower3 Equifax FICO Model Used | Co Borrower3 TransUnion FICO Model Used | Borrower Documentation Used to Determine Legal Residency | Co Borrower Documentation Used to Determine Legal Residency | Co Borrower2 Documentation Used to Determine Legal Residency | Co Borrower3 Documentation Used to Determine Legal Residency | Delayed Financing? | Months Reserves | Correspondent Type | Departure Residence | Rate Increase on Default | MERS Min Number | Co Borrower Other Income | Co Borrower Wage Income | Primary Housing Lates 0 6 Months 30 | Primary Housing Lates 0 6 Months 60 | Primary Housing Lates 0 6 Months 90 | Primary Housing Lates 7 12 Months 30 | Primary Housing Lates 7 12 Months 60 | Primary Housing Lates 7 12 Months 90 | Primary Housing Lates 13 24 Months 30 | Primary Housing Lates 13 24 Months 60 | Primary Housing Lates 13 24 Months 90 | Primary Housing Lates 25 36 Months 30 | Primary Housing Lates 25 36 Months 60 | Primary Housing Lates 25 36 Months 90 | Borrower 1 ITIN Flag | Borrower 2 ITIN Flag | Borrower 3 ITIN Flag | Borrower 4 ITIN Flag |
| 20250502 | N/A | No | No | $1,414.81 | $1,414.81 | 7.125% | No | No | US Citizen | 1 | $2,902.44 | $0.00 | $241.87 | $0.00 | 0.000% | 0.000% | 0.000% | 09/18/2024 | 734 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 1.6 | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.17 | 0.85 | 11/01/2054 | $94,628.16 | 34.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 6.74 | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250733 | Safe Harbor QM (APOR) | Yes | No | $16,793.50 | $20,899.64 | 7.435% | $7,162.85 | $7,162.85 | 7.250% | No | No | Self-Employed | US Citizen | $15,803.02 | 1 | $10,748.64 | $1,418.04 | $895.72 | $118.17 | 36.976% | 36.976% | 36.976% | 09/25/2024 | 763 | Yes | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; Business Return Transcripts - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2022 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022 [Borrower - | Primary Income - S-Corp (>= 25%)]; Business Return Transcripts - 2022 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2022 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2022 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2024 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2024 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2024 |
[Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1040 - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; Transcripts (1040) - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | ArcHome | $16,793.50 | 6.780% | $0.00 | 3.2 | None | N/A | No | 7.250% | 2 | 2 | 0 | 2 | 2 | 10.00 | No | Other | Not Stated | 01/01/2055 | $551,571.67 | No | Yes | Preliminary | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 78.33 | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250732 | Non QM | Yes | No | $55,909.70 | $58,190.48 | 7.181% | $15,341.67 | $17,497.46 | 7.000% | No | No | Employed | US Citizen | $19,551.41 | 1 | $17,749.68 | $4,761.96 | $1,479.14 | $396.83 | 49.932% | 44.412% | 49.932% | 11/06/2024 | 725 | No | No | [Borrower - | Primary Income - Wages]; Other - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2024 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2024 [Borrower - | Primary Income - Wages]; VVOE - 2024 [Borrower - | Primary Income - Wages]; Restricted Stock Agreement - 2023 [Borrower - | Primary Income - Wages]; Vesting Schedule - 2023 [Borrower - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | ArcHome | $55,909.70 | 6.760% | $0.00 | 1.4 | None | N/A | No | 7.000% | 1 | 0 | 0 | 2 | 0 | 0.00 | No | 360 | 01/01/2065 | $209,787.87 | No | 15 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 12.06 | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250743 | N/A | No | No | $9,184.86 | 6.988% | $2,183.31 | $2,183.31 | 6.990% | No | No | Employed | Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | $10,881.32 | 1 | $10,749.24 | $2,070.12 | $895.77 | $172.51 | 49.933% | 49.933% | 49.933% | 09/16/2024 | 811 | Yes | No | [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2024 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2024 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2022 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | ArcHome | $9,184.86 | 6.760% | $45,000.00 | 1.2 | None | N/A | No | 6.990% | 1 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Other | 01/01/2055 | $929,685.23 | 100.000% | No | 25 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | VISA | VISA | 156.9 | No | No | [Redacted] | $0.00 | $2,004.89 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250746 | Safe Harbor QM (APOR) | Yes | No | $10,925.75 | $6,828.89 | 6.979% | $2,791.95 | $2,791.95 | 6.875% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $36,429.27 | 1 | $15,080.04 | $1,056.00 | $1,256.67 | $88.00 | 16.957% | 16.957% | 16.957% | 817 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $10,925.75 | 6.690% | $3,000.00 | 2.6 | None | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | Not Stated | 02/01/2055 | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | 45.83 | Yes | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250734 | Non QM | Yes | No | $23,735.40 | $28,690.03 | 7.807% | $5,908.36 | $5,908.36 | 7.500% | No | No | Self-Employed | US Citizen | $22,969.63 | 1 | $20,240.16 | $3,918.72 | $1,686.68 | $326.56 | 44.167% | 44.167% | 44.167% | 11/18/2024 | 720 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $23,735.40 | 6.630% | $0.00 | 1.7 | None | N/A | No | 7.500% | 0 | 0 | 0 | 4 | 0 | 12 | 0.00 | No | 02/01/2055 | $101,026.18 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 17.34 | No | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250753 | N/A | No | No | $4,106.10 | $4,106.10 | 6.875% | No | No | US Citizen | 1 | $16,008.48 | $13,641.00 | $1,334.04 | $1,136.75 | 0.000% | 0.000% | 0.000% | 12/09/2024 | 759 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 3.5 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.23 | 0.81 | 02/01/2055 | $526,135.20 | 51.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 12.93 | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250736 | N/A | No | No | $2,667.73 | $2,667.73 | 7.375% | No | No | US Citizen | US Citizen | 2 | $10,690.68 | $1,938.96 | $890.89 | $161.58 | 0.000% | 0.000% | 0.000% | 11/21/2024 | 789 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.13 | 0.89 | 02/01/2055 | $256,936.98 | 45.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | 12.63 | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250759 | N/A | No | No | $2,640.00 | $2,640.00 | 8.000% | No | No | US Citizen | 1 | $8,604.24 | $1,660.20 | $717.02 | $138.35 | 0.000% | 0.000% | 0.000% | 11/12/2024 | 808 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 1.0 | N/A | No | 8.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | 240 | 02/01/2055 | $581,967.13 | 78.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 60.56 | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250735 | Safe Harbor QM (APOR) | Yes | No | $6,965.63 | $10,190.99 | 7.675% | $2,103.11 | $2,103.11 | 7.375% | No | No | Self-Employed | US Citizen | $3,538.88 | 1 | $4,348.44 | $4,277.64 | $362.37 | $356.47 | 44.582% | 44.582% | 44.582% | 11/21/2024 | 794 | No | No | Borrower Prepared | [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2024 [Borrower - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2024 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2024 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | Arc | $6,965.63 | 6.760% | $0.00 | 4.0 | None | N/A | No | 7.375% | 0 | 1 | 0 | 3 | 1 | 10.57 | No | Not Stated | 02/01/2055 | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 55.04 | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250750 | Safe Harbor QM (APOR) | Yes | No | $9,088.75 | $13,912.68 | 7.745% | $3,539.77 | $3,539.77 | 7.500% | No | No | Self-Employed | US Citizen | $129,146.47 | 1 | $7,048.20 | $0.00 | $587.35 | $0.00 | 24.127% | 24.127% | 24.127% | 10/17/2024 | 687 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2024 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $9,088.75 | 6.690% | $0.00 | 1.0 | None | N/A | No | 7.500% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | Not Stated | 02/01/2055 | $33,750.00 | 5.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 20.68 | No | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250728 | N/A | No | No | $3,398.05 | $3,398.05 | 6.750% | No | No | US Citizen | 1 | $10,258.80 | $1,835.04 | $854.90 | $152.92 | 0.000% | 0.000% | 0.000% | 10/21/2024 | 814 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 1.0 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.38 | 0.72 | 02/01/2040 | $656,177.10 | 85.000% | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 57.8 | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250718 | N/A | No | No | $2,346.36 | $2,346.36 | 7.375% | No | No | US Citizen | 4 | $19,560.00 | $4,013.76 | $1,630.00 | $334.48 | 0.000% | 0.000% | 0.000% | 08/19/2024 | 808 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.81 | 0.55 | 01/01/2055 | $118,075.19 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 22.73 | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250740 | N/A | No | No | $1,279.08 | $1,279.08 | 7.250% | No | No | US Citizen | 1 | $1,723.44 | $1,236.72 | $143.62 | $103.06 | 0.000% | 0.000% | 0.000% | 12/16/2024 | 797 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 1.0 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.21 | 0.82 | 02/01/2055 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 17.3 | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250747 | N/A | No | No | $2,072.22 | $2,072.22 | 8.500% | No | No | 0 | US Citizen | US Citizen | 1 | $2,551.68 | $4,299.60 | $212.64 | $358.30 | 0.000% | 0.000% | 0.000% | 11/19/2024 | 725 | Level 3-Stated/Partially Verified | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 4.4 | N/A | No | 8.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.83 | 1.2 | 02/01/2055 | $346,450.22 | 90.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 80.22 | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250720 | N/A | No | No | $6,519.96 | $6,519.96 | 7.000% | No | No | US Citizen | 3 | $4,439.64 | $4,731.96 | $369.97 | $394.33 | 0.000% | 0.000% | 0.000% | 10/31/2024 | 766 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.27 | 0.79 | 02/01/2055 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 54.56 | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250763 | N/A | No | No | $2,568.45 | $2,568.45 | 6.750% | No | No | US Citizen | 1 | $9,171.96 | $1,023.00 | $764.33 | $85.25 | 0.000% | 0.000% | 0.000% | 11/26/2024 | 811 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 1.3 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.17 | 0.85 | 02/01/2055 | $234,550.98 | 36.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 7.96 | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250752 | N/A | No | No | $2,594.68 | $2,594.68 | 7.000% | No | No | US Citizen | 1 | $5,487.00 | $1,165.92 | $457.25 | $97.16 | 0.000% | 0.000% | 0.000% | 12/06/2024 | 778 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 2.8 | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | 02/01/2055 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 43.36 | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250731 | N/A | No | No | $5,423.43 | $5,423.43 | 7.125% | No | No | US Citizen | 2 | $2,770.08 | $3,264.00 | $230.84 | $272.00 | 0.000% | 0.000% | 0.000% | 11/11/2024 | 770 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.15 | 0.87 | 02/01/2055 | $405,351.06 | 35.000% | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 18.42 | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250764 | Safe Harbor QM (APOR) | Yes | No | $17,676.44 | $21,106.53 | 7.231% | $5,364.00 | $5,364.00 | 7.000% | No | No | Self-Employed | US Citizen | $23,325.35 | 1 | $8,015.16 | $1,914.60 | $667.93 | $159.55 | 44.005% | 44.005% | 44.005% | 12/11/2024 | 812 | No | Yes | 12 | Personal | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $17,676.44 | 6.630% | $0.00 | 5.0 | None | N/A | No | 7.000% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | Not Stated | 02/01/2055 | $630,667.33 | 59.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 52.14 | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250739 | Safe Harbor QM (APOR) | Yes | No | $16,350.00 | $19,149.40 | 7.890% | $4,728.06 | $4,728.06 | 7.625% | No | No | Self-Employed | US Citizen | $21,855.86 | 1 | $15,140.40 | $1,478.04 | $1,261.70 | $123.17 | 22.237% | 22.237% | 22.237% | 11/07/2024 | 776 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $16,350.00 | 6.630% | $0.00 | 3.7 | None | N/A | No | 7.625% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | Not Stated | 02/01/2055 | $249,508.73 | 30.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 7.93 | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250770 | N/A | No | No | $2,466.02 | $2,466.02 | 7.375% | No | No | US Citizen | 1 | $5,148.24 | $1,599.96 | $429.02 | $133.33 | 0.000% | 0.000% | 0.000% | 10/25/2024 | 777 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 2.6 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.09 | 0.92 | 240 | 02/01/2055 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | No | 127.34 | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250757 | N/A | No | No | $2,529.18 | $2,529.18 | 6.875% | No | No | US Citizen | 1 | $6,609.84 | $1,289.04 | $550.82 | $107.42 | 0.000% | 0.000% | 0.000% | 11/25/2024 | 791 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 1.0 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.1 | 0.91 | 02/01/2055 | $192,459.12 | No | Yes | Preliminary | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 176.16 | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250745 | Safe Harbor QM (APOR) | Yes | No | $9,132.00 | $11,850.90 | 7.690% | $2,417.36 | $2,417.36 | 7.375% | No | No | Self-Employed | US Citizen | $8,930.90 | 1 | $6,620.28 | $497.04 | $551.69 | $41.42 | 36.634% | 36.634% | 36.634% | 12/04/2024 | 694 | No | Yes | 12 | Personal | 85.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2024 [Borrower - | Non-Primary Income - Social Security]; Account Statements - 2024 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2024 [Borrower - | Non-Primary Income - Social Security]; Account Statements - 2023 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $9,132.00 | 6.630% | $0.00 | 1.0 | None | N/A | No | 7.375% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | No | 02/01/2055 | $178,710.90 | 36.000% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 7.1 | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250749 | Non QM | Yes | No | $14,149.38 | $14,525.29 | 7.766% | $3,539.25 | $3,539.25 | 7.500% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $11,706.92 | 1 | $12,324.00 | $4,215.00 | $1,027.00 | $351.25 | 33.794% | 33.794% | 33.794% | 12/05/2024 | 776 | No | Yes | 12 | Business | 38.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2024 [Borrower - | Non-Primary Income - IRA Distribution]; Account Statements - 2024 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2022 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $14,149.38 | 6.760% | $7,000.00 | 1.4 | None | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | 02/01/2055 | $1,284,944.74 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 224.69 | No | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250768 | Safe Harbor QM (APOR) | Yes | No | $30,295.00 | $39,012.05 | 7.426% | $13,097.78 | $13,097.78 | 7.250% | No | No | Self-Employed | Permanent Resident Alien | $129,507.64 | 1 | $30,000.00 | $3,803.28 | $2,500.00 | $316.94 | 11.769% | 11.769% | 11.769% | 12/24/2024 | 777 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $30,295.00 | 6.770% | $0.00 | 2.2 | None | N/A | No | 7.250% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | Not Stated | 02/01/2055 | $342,405.87 | 14.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 53.63 | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250772 | Non QM | Yes | No | $9,985.49 | $4,763.09 | 7.728% | $2,575.87 | $2,575.87 | 7.625% | No | No | Self-Employed | US Citizen | $8,230.62 | 1 | $5,250.96 | $1,331.04 | $437.58 | $110.92 | 37.448% | 37.448% | 37.448% | 12/04/2024 | 711 | No | No | [Borrower - | Primary Income - Sole Proprietor]; Other - 2025 [Borrower - | Primary Income - Sole Proprietor]; Other - 2025 [Borrower - | Primary Income - Sole Proprietor]; Other - 2025 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2025 [Borrower - | Primary Income - Sole Proprietor]; Account Statements - Personal - 2024 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2023 [Borrower - | Primary Income - Sole Proprietor]; 1099 Transcript - 2023 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2022 [Borrower - | Primary Income - Sole Proprietor]; 1099 Transcript - 2022 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr 1099 | 0 | 0 | 0 | Arc | $9,985.49 | 6.890% | $10,000.00 | 1.0 | None | N/A | No | 7.625% | 0 | 0 | 0 | 3 | 0 | No | 02/01/2055 | $179,688.45 | 35.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 5.72 | Yes | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250744 | Non QM | Yes | No | $24,705.00 | $28,493.16 | 8.338% | $6,192.97 | $6,192.97 | 8.000% | No | No | Self-Employed | US Citizen | $11,705.36 | 1 | $8,951.64 | $561.96 | $745.97 | $46.83 | 41.109% | 41.109% | 41.109% | 10/30/2024 | 756 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $24,705.00 | 6.900% | $0.00 | 3.9 | None | N/A | No | 8.000% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | 02/01/2055 | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 39.06 | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250775 | Non QM | Yes | No | $25,858.80 | $15,175.87 | 10.050% | $4,639.43 | $4,639.43 | 9.750% | No | No | Self-Employed | US Citizen | $30,521.87 | 1 | $12,447.00 | $2,518.80 | $1,037.25 | $209.90 | 22.709% | 22.709% | 22.709% | 01/03/2025 | 731 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $25,858.80 | 6.890% | $0.00 | 4.1 | None | N/A | No | 9.750% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | 02/01/2055 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 18.64 | Yes | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250741 | Safe Harbor QM (APOR) | Yes | No | $22,026.25 | $7,103.74 | 8.179% | $6,960.91 | $6,960.91 | 8.125% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $38,234.65 | 1 | $28,353.24 | $6,650.04 | $2,362.77 | $554.17 | 28.367% | 28.367% | 28.367% | 744 | No | Yes | 24 | Business | 100.000% | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2024 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $22,026.25 | 6.890% | $0.00 | 2.5 | None | N/A | No | 8.125% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | No | 02/01/2055 | $1,529,879.59 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 107.74 | No | [Redacted] | $6,576.65 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250766 | Safe Harbor QM (APOR) | Yes | No | $6,699.16 | $10,180.49 | 7.036% | $3,652.52 | $3,652.52 | 6.875% | No | No | Employed | US Citizen | $23,367.23 | 1 | $4,352.28 | $606.00 | $362.69 | $50.50 | 43.497% | 43.497% | 43.497% | 12/23/2024 | 790 | No | No | [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 [Borrower - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1040 - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; Transcripts (1040) - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | ArcHome | $6,699.16 | 6.890% | $972.75 | 1.0 | None | N/A | No | 6.875% | 1 | 2 | 0 | 2 | 2 | 0.00 | No | No | 02/01/2055 | $1,151,709.92 | 83.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 59.32 | No | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250758 | N/A | No | No | $2,072.03 | $2,072.03 | 7.375% | No | No | US Citizen | 2 | $7,112.52 | $1,680.96 | $592.71 | $140.08 | 0.000% | 0.000% | 0.000% | 11/14/2024 | 804 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.1 | 0.91 | 02/01/2055 | $164,334.86 | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 178.42 | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250729 | N/A | No | No | $3,941.57 | $3,941.57 | 6.875% | No | No | US Citizen | 1 | $8,175.00 | $1,622.04 | $681.25 | $135.17 | 0.000% | 0.000% | 0.000% | 10/21/2024 | 737 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 3.9 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.07 | 0.94 | 02/01/2055 | $329,881.30 | 38.000% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 7.94 | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250737 | N/A | No | No | $3,549.22 | $3,549.22 | 7.375% | No | No | Permanent Resident Alien | 2 | $12,396.12 | $1,878.00 | $1,033.01 | $156.50 | 0.000% | 0.000% | 0.000% | 11/22/2024 | 815 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | 240 | 02/01/2055 | $70,129.98 | 9.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 18.53 | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250742 | Safe Harbor QM (APOR) | Yes | No | $53,995.00 | $9,125.80 | 7.385% | $20,720.25 | $20,720.25 | 7.375% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $213,015.69 | 1 | $60,061.92 | $7,533.96 | $5,005.16 | $627.83 | 15.283% | 15.283% | 15.283% | 783 | No | Yes | 24 | Business | 100.000% | 51.000% | 49.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2024 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2024 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2024 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2024 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2024 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2024 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2024 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; Third Party Verification - 2025 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; Third Party Verification - 2025 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; Account Statements - Business - 2024 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; CPA Letter - 2024 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; Other - 2024 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; Other - 2024 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; Other - 2024 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; Other - 2024 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $53,995.00 | 6.760% | $0.00 | 999.0 | None | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | No | 02/01/2055 | $7,361,790.73 | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 279.35 | No | No | [Redacted] | $123,208.08 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250756 | N/A | No | No | $3,301.43 | $3,301.43 | 7.375% | No | No | US Citizen | 1 | $8,083.92 | $1,948.80 | $673.66 | $162.40 | 0.000% | 0.000% | 0.000% | 12/19/2024 | 765 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 1.4 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.02 | 0.99 | 02/01/2055 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 115.68 | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250721 | N/A | No | No | $832.66 | $832.66 | 6.875% | No | No | US Citizen | 1 | $2,336.40 | $798.00 | $194.70 | $66.50 | 0.000% | 0.000% | 0.000% | 01/15/2025 | 783 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 1.0 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.55 | 0.64 | 02/01/2055 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 108.59 | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250722 | N/A | No | No | $837.58 | $837.58 | 6.875% | No | No | US Citizen | 1 | $2,565.36 | $699.96 | $213.78 | $58.33 | 0.000% | 0.000% | 0.000% | 01/15/2025 | 783 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 1.4 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.62 | 0.62 | 02/01/2055 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 106.81 | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250723 | N/A | No | No | $821.16 | $821.16 | 6.875% | No | No | US Citizen | 1 | $2,319.84 | $641.04 | $193.32 | $53.42 | 0.000% | 0.000% | 0.000% | 01/15/2025 | 783 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 2.2 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.73 | 0.58 | 02/01/2055 | $118,783.60 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 68.14 | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250751 | N/A | No | No | $5,937.50 | $5,937.50 | 7.125% | No | No | US Citizen | 1 | $21,562.56 | $2,909.64 | $1,796.88 | $242.47 | 0.000% | 0.000% | 0.000% | 12/05/2024 | 759 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 1.0 | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.04 | 0.96 | 240 | 02/01/2055 | $1,339,406.82 | 79.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 74.89 | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250738 | Safe Harbor QM (APOR) | Yes | No | $12,535.00 | $15,401.00 | 7.771% | $3,859.66 | $3,859.66 | 7.500% | No | No | Self-Employed | US Citizen | $28,461.19 | 1 | $5,240.76 | $1,965.00 | $436.73 | $163.75 | 22.031% | 22.031% | 22.031% | 11/13/2024 | 744 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2024 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $12,535.00 | 6.980% | $0.00 | 1.5 | None | N/A | No | 7.500% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | No | 02/01/2055 | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 8.71 | No | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250724 | N/A | No | No | $1,861.48 | $1,861.48 | 6.750% | No | No | US Citizen | 1 | $5,879.76 | $794.04 | $489.98 | $66.17 | 0.000% | 0.000% | 0.000% | 01/15/2025 | 783 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 1.0 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.24 | 0.81 | 02/01/2055 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 112.04 | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250719 | N/A | No | No | $1,657.17 | $1,657.17 | 6.750% | No | No | US Citizen | 1 | $3,980.04 | $894.96 | $331.67 | $74.58 | 0.000% | 0.000% | 0.000% | 01/15/2025 | 783 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 1.0 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.36 | 0.74 | 02/01/2055 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 118.78 | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250754 | N/A | No | No | $3,253.33 | $3,253.33 | 7.000% | No | No | US Citizen | 1 | $6,587.52 | $1,011.12 | $548.96 | $84.26 | 0.000% | 0.000% | 0.000% | 12/09/2024 | 792 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 1.0 | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.16 | 0.86 | 02/01/2055 | $39,432.89 | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 16.63 | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250748 | Safe Harbor QM (APOR) | Yes | No | $13,502.32 | $7,084.26 | 8.084% | $5,253.75 | $5,253.75 | 8.000% | No | No | Self-Employed | US Citizen | $11,685.23 | 1 | $11,187.48 | $1,074.60 | $932.29 | $89.55 | 48.363% | 48.363% | 48.363% | 11/24/2024 | 725 | No | Yes | 24 | Business | 100.000% | 90.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2024 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $13,502.32 | 6.900% | $0.00 | 1.0 | None | N/A | No | 8.000% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | Not Stated | 02/01/2055 | $94,744.84 | 11.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 17.81 | No | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250773 | Safe Harbor QM (APOR) | Yes | No | $7,315.80 | $10,802.84 | 7.317% | $2,126.82 | $2,126.82 | 6.990% | No | No | Self-Employed | US Citizen | $4,749.95 | 1 | $5,000.04 | $1,331.16 | $416.67 | $110.93 | 40.673% | 40.673% | 40.673% | 12/03/2024 | 744 | No | Yes | 12 | Personal | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Personal - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $7,315.80 | 6.890% | $1,000.00 | 2.6 | None | N/A | No | 6.990% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | Not Stated | 02/01/2055 | $144,035.93 | 36.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 37.15 | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250760 | Safe Harbor QM (APOR) | Yes | No | $25,255.00 | $29,415.72 | 7.098% | $15,791.63 | $15,791.63 | 6.990% | No | No | Employed | US Citizen | $35,752.69 | 1 | $54,000.00 | $2,565.12 | $4,500.00 | $213.76 | 40.446% | 40.446% | 40.446% | 12/12/2024 | 732 | No | No | [Borrower - | Primary Income - Wages]; Restricted Stock Agreement - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; Vesting Schedule - 2025 [Borrower - | Primary Income - Wages]; Other - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; Restricted Stock Agreement - 2024 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 [Borrower - | Primary Income - Wages]; Restricted Stock Agreement - 2023 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 - 2022 [Borrower - | Non-Primary Income - Social Security]; Account Statements - 2025 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2024 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | ArcHome | $25,255.00 | 6.770% | $500,000.00 | 2.3 | None | N/A | No | 6.990% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | 02/01/2055 | $2,446,283.45 | 57.000% | No | 47 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 35.43 | Yes | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250730 | N/A | No | No | $821.16 | $821.16 | 6.875% | No | No | US Citizen | 1 | $3,898.56 | $1,314.96 | $324.88 | $109.58 | 0.000% | 0.000% | 0.000% | 11/05/2024 | 735 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 2.0 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.37 | 0.73 | 02/01/2055 | $0.00 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 70.87 | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250767 | N/A | No | No | $3,626.48 | $3,626.48 | 7.750% | No | No | US Citizen | 3 | $8,850.48 | $2,286.96 | $737.54 | $190.58 | 0.000% | 0.000% | 0.000% | 12/23/2024 | 794 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.45 | 0.69 | 02/01/2055 | $38,647.42 | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 6.79 | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250726 | N/A | No | No | $4,089.41 | $4,089.41 | 6.750% | No | No | US Citizen | 2 | $9,117.00 | $1,425.00 | $759.75 | $118.75 | 0.000% | 0.000% | 0.000% | 10/20/2024 | 819 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.12 | 0.9 | 02/01/2055 | $128,964.03 | 13.000% | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 22.93 | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250776 | N/A | No | No | $4,153.33 | $4,153.33 | 7.500% | No | No | US Citizen | US Citizen | 2 | $6,389.88 | $1,287.00 | $532.49 | $107.25 | 0.000% | 0.000% | 0.000% | 01/19/2025 | 759 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.11 | 0.9 | 02/01/2055 | $533,741.03 | 54.000% | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 23.57 | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250501 | N/A | No | No | $24,024.00 | 8.230% | $5,469.22 | $5,469.22 | 8.250% | No | No | Non-Employment Income | Self-Employed | US Citizen | US Citizen | $13,027.38 | 1 | $8,809.68 | $2,871.96 | $734.14 | $239.33 | 42.131% | 42.131% | 42.131% | 01/02/2025 | 732 | Yes | Yes | 36 | Business | 55.000% | 50.000% | [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2024 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2024 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2024 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2024 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; Third Party Verification - 2025 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; Account Statements - Business - 2024 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; CPA Letter - 2024 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; Other - 2024 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2024 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 1 | 0 | 0 | Arc | $24,024.00 | 6.900% | $0.00 | 4.6 | None | N/A | No | 8.250% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | Other | 02/01/2055 | $664,579.78 | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 101.82 | No | No | [Redacted] | $9,271.56 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250765 | Safe Harbor QM (APOR) | Yes | No | $25,875.00 | $36,986.55 | 7.747% | $17,256.01 | $17,256.01 | 7.625% | No | No | Self-Employed | US Citizen | $44,680.21 | 1 | $38,600.04 | $3,473.04 | $3,216.67 | $289.42 | 41.044% | 41.044% | 41.044% | 12/23/2024 | 745 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $25,875.00 | 6.770% | $0.00 | None | N/A | No | 7.625% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | No | 02/01/2055 | $540,472.89 | 18.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 31.07 | Yes | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250774 | Safe Harbor QM (APOR) | Yes | No | $15,370.00 | $17,761.24 | 7.135% | $7,377.40 | $7,377.40 | 6.990% | No | No | Employed | Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | India | India | $11,965.69 | 1 | $21,130.92 | $3,429.12 | $1,760.91 | $285.76 | 44.508% | 44.508% | 44.508% | 800 | Yes | No | [Borrower - | Primary Income - Wages]; Other - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2024 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2024 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2022 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | Arc | $15,370.00 | 6.890% | $0.00 | 1.8 | None | N/A | No | 6.990% | 1 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | Other | No | 02/01/2055 | $496,026.69 | No | 35 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | VISA | VISA | No | 51.95 | No | No | [Redacted] | $0.00 | $2,024.90 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250725 | N/A | No | No | $5,039.61 | $5,039.61 | 6.750% | No | No | US Citizen | 2 | $10,794.84 | $708.00 | $899.57 | $59.00 | 0.000% | 0.000% | 0.000% | 10/02/2024 | 795 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | 02/01/2055 | $811,967.57 | 57.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 18.94 | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250769 | N/A | No | No | $1,906.25 | $1,906.25 | 7.500% | No | No | Permanent Resident Alien | US Citizen | 1 | $4,658.28 | $690.00 | $388.19 | $57.50 | 0.000% | 0.000% | 0.000% | 12/31/2024 | 815 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 1.2 | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | 240 | 02/01/2055 | $26,775.30 | 6.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 12.89 | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250727 | N/A | No | No | $3,891.59 | $3,891.59 | 6.750% | No | No | US Citizen | 1 | $14,675.04 | $1,727.04 | $1,222.92 | $143.92 | 0.000% | 0.000% | 0.000% | 10/17/2024 | 810 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 2.2 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.14 | 0.88 | 02/01/2055 | $682,313.22 | 58.000% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 12.84 | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250771 | N/A | No | No | $1,773.66 | $1,773.66 | 7.250% | No | No | Permanent Resident Alien | 1 | $9,682.32 | $2,076.60 | $806.86 | $173.05 | 0.000% | 0.000% | 0.000% | 12/31/2024 | 785 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 1.4 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.09 | 0.92 | 02/01/2055 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | No | 87.55 | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250761 | N/A | No | No | $3,004.78 | $3,004.78 | 7.125% | No | No | Non-Permanent Resident Alien | 1 | $8,526.60 | $2,431.08 | $710.55 | $202.59 | 0.000% | 0.000% | 0.000% | 11/05/2024 | 750 | No | No | DSCR | 1 | 0 | 0 | No | ARCHome | $0.00 | 1.0 | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.33 | 0.75 | 02/01/2055 | $13,655.44 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | No | 8.03 | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250755 | Safe Harbor QM (APOR) | Yes | No | $9,420.00 | $10,589.16 | 7.270% | $4,716.03 | $4,716.03 | 7.125% | No | No | Employed | US Citizen | $17,255.92 | 1 | $15,101.52 | $5,238.00 | $1,258.46 | $436.50 | 42.565% | 42.565% | 42.565% | 10/02/2024 | 621 | No | No | [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; Other - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 - 2022 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | Arc | $9,420.00 | 6.980% | $0.00 | 3.8 | None | N/A | No | 7.125% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | 02/01/2055 | $21,904.23 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 22.48 | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250762 | Safe Harbor QM (APOR) | Yes | No | $35,311.71 | $26,568.70 | 7.229% | $15,788.59 | $15,788.59 | 7.125% | No | No | Self-Employed | US Citizen | $606,252.01 | 1 | $16,915.08 | $4,418.04 | $1,409.59 | $368.17 | 2.885% | 2.885% | 2.885% | 12/16/2024 | 800 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $35,311.71 | 6.630% | $0.00 | 1.6 | None | N/A | No | 7.125% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | Not Stated | 02/01/2055 | $1,240.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 32.75 | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250783 | N/A | No | No | $3,103.90 | $3,103.90 | 7.250% | No | No | US Citizen | US Citizen | 1 | $12,682.80 | $4,000.32 | $1,056.90 | $333.36 | 0.000% | 0.000% | 0.000% | 10/18/2024 | 706 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 2.2 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | 12/01/2054 | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 93.6 | Retail | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250795 | N/A | No | No | $2,394.56 | $2,394.56 | 7.000% | No | No | US Citizen | 1 | $2,580.12 | $656.04 | $215.01 | $54.67 | 0.000% | 0.000% | 0.000% | 11/08/2024 | 806 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 1.0 | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | 01/01/2055 | $360,202.51 | 80.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 83.52 | Retail | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250801 | N/A | No | No | $3,793.77 | $3,793.77 | 7.625% | No | No | US Citizen | 1 | $10,449.96 | $1,202.04 | $870.83 | $100.17 | 0.000% | 0.000% | 0.000% | 10/31/2024 | 752 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 1.0 | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.84 | 1.19 | 01/01/2055 | $393,920.88 | 47.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 15.33 | Retail | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250780 | N/A | No | No | $2,299.95 | $2,299.95 | 7.375% | No | No | US Citizen | 2 | $4,932.60 | $1,524.00 | $411.05 | $127.00 | 0.000% | 0.000% | 0.000% | 11/01/2024 | 794 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | 01/01/2055 | $103,752.66 | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 33.87 | Retail | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250794 | N/A | No | No | $1,769.48 | $1,769.48 | 7.625% | No | No | US Citizen | 1 | $4,453.92 | $1,623.60 | $371.16 | $135.30 | 0.000% | 0.000% | 0.000% | 12/03/2024 | 799 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 2.1 | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.87 | 0.54 | 01/01/2055 | $95,555.37 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 148.73 | Retail | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250782 | N/A | No | No | $1,803.04 | $1,803.04 | 8.250% | No | No | US Citizen | 1 | $3,501.72 | $932.04 | $291.81 | $77.67 | 0.000% | 0.000% | 0.000% | 10/21/2024 | 772 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 1.0 | N/A | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | 01/01/2055 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 102.07 | Retail | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250790 | N/A | No | No | $920.13 | $920.13 | 7.625% | No | No | US Citizen | 1 | $1,884.96 | $792.00 | $157.08 | $66.00 | 0.000% | 0.000% | 0.000% | 10/21/2024 | 745 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 3.7 | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.22 | 0.82 | 02/01/2055 | $0.00 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 76.48 | Retail | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250805 | N/A | No | No | $1,479.27 | $1,479.27 | 8.000% | No | No | 0 | US Citizen | US Citizen | 2 | $3,848.16 | $2,811.96 | $320.68 | $234.33 | 0.000% | 0.000% | 0.000% | 11/25/2024 | 761 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | N/A | No | 8.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.25 | 0.8 | 01/01/2055 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 87.59 | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250789 | N/A | No | No | $1,550.35 | $1,550.35 | 6.875% | No | No | US Citizen | 1 | $6,201.96 | $1,775.64 | $516.83 | $147.97 | 0.000% | 0.000% | 0.000% | 11/25/2024 | 811 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 1.9 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.04 | 0.96 | 01/01/2055 | $89,955.56 | 30.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 9.54 | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250803 | N/A | No | No | $2,097.64 | $2,097.64 | 7.500% | No | No | US Citizen | 3 | $8,278.92 | $2,150.40 | $689.91 | $179.20 | 0.000% | 0.000% | 0.000% | 11/19/2024 | 760 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.41 | 0.71 | 02/01/2055 | $698,743.59 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 197.66 | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250787 | N/A | No | No | $4,187.92 | $4,187.92 | 6.875% | No | No | US Citizen | 2 | $12,328.80 | $4,055.04 | $1,027.40 | $337.92 | 0.000% | 0.000% | 0.000% | 11/19/2024 | 776 | No | No | DSCR | 0 | 0 | 0 | Yes | ARCHome | $0.00 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.07 | 0.93 | 02/01/2055 | $84,688.69 | 10.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 39.5 | Retail | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250778 | N/A | No | No | $2,259.37 | $2,259.37 | 7.000% | No | No | US Citizen | US Citizen | 2 | $2,418.12 | $2,046.96 | $201.51 | $170.58 | 0.000% | 0.000% | 0.000% | 11/12/2024 | 777 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.27 | 0.79 | 01/01/2055 | $6,453.37 | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 11.01 | Retail | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250796 | N/A | No | No | $1,872.25 | $1,872.25 | 6.875% | No | No | US Citizen | 1 | $2,508.00 | $3,849.96 | $209.00 | $320.83 | 0.000% | 0.000% | 0.000% | 01/08/2025 | 768 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 1.8 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.22 | 0.82 | 02/01/2055 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 91.59 | Retail | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250779 | N/A | No | No | $2,002.96 | $2,002.96 | 7.375% | No | No | US Citizen | 2 | $4,597.68 | $1,464.00 | $383.14 | $122.00 | 0.000% | 0.000% | 0.000% | 11/01/2024 | 794 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.13 | 0.88 | 02/01/2055 | $390,809.93 | 72.000% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 40.96 | Retail | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250786 | N/A | No | No | $3,635.92 | $3,635.92 | 7.500% | No | No | US Citizen | 2 | $10,247.88 | $2,342.04 | $853.99 | $195.17 | 0.000% | 0.000% | 0.000% | 11/07/2024 | 780 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.4 | 0.72 | 02/01/2055 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 108.21 | Retail | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250784 | N/A | No | No | $4,144.05 | $4,144.05 | 7.375% | No | No | US Citizen | 2 | $9,712.68 | $7,007.52 | $809.39 | $583.96 | 0.000% | 0.000% | 0.000% | 11/01/2024 | 790 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.3 | 0.77 | 02/01/2055 | $62,500.00 | 8.000% | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 14.53 | Retail | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250788 | N/A | No | No | $0.00 | 8.710% | $1,073.85 | $1,073.85 | 8.750% | No | No | Self-Employed | US Citizen | $3,650.24 | 1 | $2,579.28 | $1,577.04 | $214.94 | $131.42 | 46.678% | 46.678% | 46.678% | 12/17/2024 | 744 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | 6.880% | $0.00 | 3.3 | None | N/A | No | 8.750% | 0 | 0 | 0 | 4 | 0 | 12 | 0.00 | No | 02/01/2055 | $7,677.71 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 80.83 | Retail | No | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250781 | Non QM | Yes | No | $17,376.89 | $19,454.42 | 7.171% | $4,099.24 | $4,099.24 | 6.875% | No | No | Self-Employed | US Citizen | $225,278.41 | 1 | $3,006.24 | $2,844.96 | $250.52 | $237.08 | 5.741% | 5.741% | 5.741% | 10/28/2024 | 804 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2024 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $17,376.89 | 6.780% | $0.00 | 1.0 | None | N/A | No | 6.875% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | 12/01/2054 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 120.75 | Retail | No | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250799 | Non QM | Yes | No | $3,291.05 | $4,596.62 | 7.871% | $2,292.52 | $2,292.52 | 7.750% | No | No | Self-Employed | US Citizen | $13,686.35 | 1 | $1,159.32 | $1,735.44 | $96.61 | $144.62 | 25.031% | 25.031% | 25.031% | 10/24/2024 | 726 | No | Yes | 12 | Personal | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2024 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $3,291.05 | 6.690% | $3,389.75 | 1.7 | None | N/A | No | 7.750% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | 01/01/2055 | $109,290.58 | 27.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 9.43 | Retail | Yes | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250785 | Non QM | Yes | No | $9,394.00 | $11,117.36 | 8.194% | $2,610.25 | $2,610.25 | 7.875% | No | No | Self-Employed | US Citizen | $72,385.51 | 1 | $1,039.08 | $2,102.04 | $86.59 | $175.17 | 28.649% | 28.649% | 28.649% | 10/30/2024 | 747 | No | Yes | 12 | Business | 100.000% | 97.500% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 97.50% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 97.50% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 97.50% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 97.50% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 97.50% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2024 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $9,394.00 | 6.830% | $0.00 | 1.1 | None | N/A | No | 7.875% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | 01/01/2055 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 119.61 | Retail | No | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250798 | Non QM | Yes | No | $7,773.00 | $8,875.70 | 7.669% | $2,072.03 | $2,072.03 | 7.375% | No | No | Employed | Self-Employed | US Citizen | Permanent Resident Alien | $9,312.89 | 1 | $8,476.92 | $1,343.04 | $706.41 | $111.92 | 25.573% | 25.573% | 25.573% | 785 | No | Yes | 12 | Business | 70.000% | 49.000% | [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; VVOE - 2024 [Borrower - | Primary Income - Wages]; WVOE - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 - 2022 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2024 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2024 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $7,773.00 | 6.690% | $0.00 | 2.6 | None | N/A | No | 7.375% | 2 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | 01/01/2055 | No | 35 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | No | 70.97 | Retail | No | [Redacted] | $8,696.62 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250791 | Non QM | Yes | No | $3,470.60 | $18,118.54 | 7.139% | $4,362.01 | $4,362.01 | 6.875% | No | No | Self-Employed | US Citizen | $11,628.26 | 1 | $13,714.56 | $4,692.00 | $1,142.88 | $391.00 | 40.000% | 40.000% | 40.000% | 11/20/2024 | 807 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2024 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | Arc | $3,470.60 | 6.760% | $0.00 | 3.9 | None | N/A | No | 6.875% | 0 | 0 | 0 | 2 | 0 | 24 | 0.00 | No | 01/01/2055 | $418,504.30 | 50.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 37.57 | No | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250777 | Non QM | Yes | No | $66,013.37 | $60,682.43 | 7.119% | $16,260.05 | $16,260.05 | 6.875% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $37,633.81 | 1 | $17,328.00 | $9,246.00 | $1,444.00 | $770.50 | 41.485% | 41.485% | 41.485% | 12/20/2024 | 762 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2024 | [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2021 |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | Arc | $66,013.37 | 6.690% | $0.00 | 4.4 | None | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | 01/01/2055 | $5,922,360.30 | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 319.63 | Retail | No | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250797 | Non QM | Yes | No | $1,750.00 | $3,417.92 | 7.497% | $1,322.64 | $1,322.64 | 7.375% | No | No | Self-Employed | Permanent Resident Alien | $7,787.68 | 1 | $3,830.04 | $504.00 | $319.17 | $42.00 | 20.021% | 20.021% | 20.021% | 12/04/2024 | 712 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2024 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $1,750.00 | 6.690% | $0.00 | 1.0 | None | N/A | No | 7.375% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | 02/01/2055 | $185,929.17 | 49.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 25.22 | Retail | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250792 | Non QM | Yes | No | $3,783.25 | $5,821.07 | 8.397% | $1,366.19 | $1,366.19 | 8.125% | No | No | Self-Employed | US Citizen | $17,144.73 | 1 | $3,795.00 | $1,725.96 | $316.25 | $143.83 | 10.143% | 10.143% | 10.143% | 11/14/2024 | 736 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2024 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | Arc | $3,783.25 | 6.760% | $0.00 | 3.3 | None | N/A | No | 8.125% | 0 | 0 | 0 | 2 | 0 | 24 | 0.00 | No | 02/01/2055 | $3,770.48 | 2.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 21.96 | Retail | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250793 | Non QM | Yes | No | $11,106.08 | $53.83 | 8.215% | $3,775.11 | $3,775.11 | 8.250% | No | No | Self-Employed | US Citizen | $28,287.23 | 1 | $1,925.28 | $1,767.60 | $160.44 | $147.30 | 21.153% | 21.153% | 21.153% | 11/26/2024 | 648 | No | Yes | 24 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | Arc | $11,106.08 | 6.760% | $195,100.00 | 1.1 | None | N/A | No | 8.250% | 0 | 0 | 0 | 2 | 0 | 24 | 0.00 | No | 01/01/2055 | $37,011.38 | 6.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 11.55 | Retail | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250800 | Non QM | Yes | No | $7,087.72 | $7,269.32 | 8.800% | $2,140.66 | $2,140.66 | 8.500% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $7,164.90 | 1 | $1,205.16 | $1,019.04 | $100.43 | $84.92 | 36.732% | 36.732% | 36.732% | 12/10/2024 | 684 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2024 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $7,087.72 | 6.690% | $0.00 | 2.3 | None | N/A | No | 8.500% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | 01/01/2055 | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 63.94 | Retail | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250804 | Non QM | Yes | No | $6,815.00 | $4,923.79 | 7.184% | $3,233.85 | $3,233.85 | 7.125% | No | No | Self-Employed | US Citizen | $28,397.07 | 1 | $15,219.72 | $1,565.04 | $1,268.31 | $130.42 | 20.859% | 20.859% | 20.859% | 12/12/2024 | 750 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2019 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $6,815.00 | 6.690% | $17,000.00 | 1.2 | None | N/A | No | 7.125% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 02/01/2055 | $5,000.00 | 1.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 86.13 | Retail | No | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250802 | Non QM | Yes | No | $11,435.00 | $14,609.63 | 7.770% | $3,328.26 | $3,328.26 | 7.500% | No | No | Self-Employed | US Citizen | $16,916.12 | 1 | $7,375.20 | $1,709.04 | $614.60 | $142.42 | 26.498% | 26.498% | 26.498% | 12/09/2024 | 722 | No | Yes | 12 | Personal | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $11,435.00 | 6.690% | $5,000.00 | 1.0 | None | N/A | No | 7.500% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 02/01/2055 | $204,523.94 | 34.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 16.25 | Retail | Yes | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251431 | N/A | No | No | $9,289.79 | $9,289.79 | 7.625% | No | No | US Citizen | 1 | $30,313.44 | $6,806.40 | $2,526.12 | $567.20 | 0.000% | 0.000% | 0.000% | 12/06/2024 | 784 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 2.5 | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.17 | 0.85 | 03/01/2055 | $229,273.28 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 18.26 | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250806 | Safe Harbor QM (APOR) | Yes | No | $6,745.00 | $9,407.68 | 7.410% | $3,581.43 | $3,581.43 | 7.250% | No | No | Non-Employment Income | US Citizen | $9,413.67 | 1 | $9,040.92 | $1,500.00 | $753.41 | $125.00 | 47.283% | 47.283% | 47.283% | 12/11/2024 | 779 | No | No | [Borrower - | Non-Primary Income - K-1 (< 25%)]; Employer Letter - 2025 [Borrower - | Non-Primary Income - K-1 (< 25%)]; Other - 2025 [Borrower - | Non-Primary Income - K-1 (< 25%)]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - K-1 (< 25%)]; CPA Letter - 2023 [Borrower - | Non-Primary Income - K-1 (< 25%)]; K-1 - 2023 [Borrower - | Non-Primary Income - K-1 (< 25%)]; K-1 - 2022 [Borrower - | Primary Income - IRA Distribution]; Account Statements - 2024 |
[Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1040 - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; Transcripts (1040) - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | ArcHome | $6,745.00 | 6.870% | $0.00 | 1.0 | None | N/A | No | 7.250% | 0 | 2 | 0 | 2 | 2 | 0.00 | No | No | 03/01/2055 | $1,299,751.74 | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 407.04 | Yes | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250826 | Non QM | Yes | No | $36,489.96 | $20,118.31 | 7.671% | $6,650.00 | $8,571.51 | 7.500% | No | No | Self-Employed | US Citizen | $15,657.33 | 1 | $14,705.28 | $3,183.96 | $1,225.44 | $265.33 | 45.297% | 38.584% | 45.297% | 02/13/2025 | 730 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2024 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $36,489.96 | 6.870% | $0.00 | 1.0 | None | N/A | No | 7.500% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | 240 | 03/01/2055 | $121,756.88 | No | Yes | Commitment | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 12.28 | No | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250962 | N/A | No | No | $1,819.03 | $1,819.03 | 7.625% | No | No | US Citizen | 1 | $7,907.16 | $1,658.04 | $658.93 | $138.17 | 0.000% | 0.000% | 0.000% | 01/16/2025 | 786 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 3.9 | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | 03/01/2055 | $18,622.73 | No | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 39.26 | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250995 | N/A | No | No | $2,241.46 | $2,241.46 | 7.250% | No | No | US Citizen | 1 | $5,659.32 | $1,980.00 | $471.61 | $165.00 | 0.000% | 0.000% | 0.000% | 10/31/2024 | 723 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 2.6 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.23 | 0.81 | 240 | 03/01/2055 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 36.21 | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251024 | N/A | No | No | $7,695.00 | 7.121% | $1,819.04 | $1,819.04 | 7.125% | No | No | Employed | US Citizen | $10,363.10 | 1 | $8,375.04 | $804.00 | $697.92 | $67.00 | 46.663% | 46.663% | 46.663% | 01/23/2025 | 772 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 - 2022 [Borrower - | Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2025 |
[Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1040 - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | ArcHome | $7,695.00 | 6.870% | $0.00 | 2.0 | None | N/A | No | 7.125% | 3 | 2 | 0 | 2 | 0 | 0.00 | No | 03/01/2055 | $504,516.37 | 75.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 30.09 | No | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250969 | Higher Priced QM (APOR) | Yes | No | $14,995.00 | $18,988.72 | 8.433% | $8,333.42 | $8,333.42 | 8.250% | No | No | Self-Employed | Non-Permanent Resident Alien | Israel | $16,193.84 | 1 | $16,312.56 | $1,110.96 | $1,359.38 | $92.58 | 37.950% | 37.950% | 37.950% | 02/06/2025 | 736 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Expense Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2024 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $14,995.00 | 6.880% | $0.00 | 1.0 | None | N/A | No | 8.250% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | Yes | Not Stated | 03/01/2055 | $208,744.51 | 16.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | VISA | 14.35 | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251006 | N/A | No | No | $4,598.50 | $4,598.50 | 6.875% | No | No | US Citizen | 1 | $12,099.24 | $1,791.00 | $1,008.27 | $149.25 | 0.000% | 0.000% | 0.000% | 12/12/2024 | 792 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 1.4 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | 03/01/2055 | $1,162,061.18 | 67.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 11.85 | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250827 | N/A | No | No | $4,325.10 | $4,325.10 | 7.990% | No | No | US Citizen | 1 | $13,171.56 | $3,743.16 | $1,097.63 | $311.93 | 0.000% | 0.000% | 0.000% | 12/12/2024 | 775 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 1.0 | N/A | No | 7.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.87 | 1.15 | 04/01/2055 | $811,131.73 | 91.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 84.22 | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251328 | N/A | No | No | $716.15 | $716.15 | 6.875% | No | No | US Citizen | 1 | $4,852.56 | $1,723.68 | $404.38 | $143.64 | 0.000% | 0.000% | 0.000% | 01/30/2025 | 779 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 2.1 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.04 | 0.96 | 240 | 04/01/2055 | $110,983.16 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 121.58 | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251008 | Non QM | Yes | No | $8,730.20 | $3,384.49 | 7.383% | $1,814.59 | $1,814.59 | 7.250% | No | No | Employed | Permanent Resident Alien | $4,009.36 | 1 | $6,403.56 | $1,217.04 | $533.63 | $101.42 | 38.318% | 38.318% | 38.318% | 02/03/2025 | 767 | No | No | [Borrower - | Primary Income - Wages]; Other - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | Arc | $8,730.20 | 6.880% | $0.00 | 1.0 | None | N/A | No | 7.250% | 1 | 0 | 0 | 2 | 0 | 0.00 | No | 03/01/2055 | $6,307.01 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | No | 108.26 | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251386 | Non QM | Yes | No | $11,470.00 | $11,940.93 | 6.932% | $4,313.18 | $4,313.18 | 6.750% | No | No | Self-Employed | US Citizen | $6,426.39 | 1 | $17,499.96 | $1,826.04 | $1,458.33 | $152.17 | 48.320% | 48.320% | 48.320% | 01/17/2025 | 796 | No | No | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2025 [Borrower - | Primary Income - Sole Proprietor]; Other - 2025 [Borrower - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2024 [Borrower - | Primary Income - Sole Proprietor]; W-2 Transcript - No Results Returned - 2024 [Borrower - | Non-Primary Income - Sole Proprietor]; Other - 2025 [Borrower - | Non-Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - Sole Proprietor]; 1099 - 2024 [Borrower - | Non-Primary Income - Sole Proprietor]; W-2 Transcript - No Results Returned - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 1yr 1099 | 0 | 0 | 0 | Arc | $11,470.00 | 6.930% | $0.00 | 3.4 | None | N/A | No | 6.750% | 0 | 0 | 0 | 3 | 0 | No | 03/01/2055 | $79,460.21 | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 12.94 | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250964 | Safe Harbor QM (APOR) | Yes | No | $7,495.00 | $2,695.00 | 7.599% | $2,097.64 | $2,097.64 | 7.500% | No | No | Non-Employment Income | US Citizen | $6,916.78 | 1 | $8,971.08 | $2,001.00 | $747.59 | $166.75 | 42.920% | 42.920% | 42.920% | 12/17/2024 | 779 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | Arc | $7,495.00 | 6.880% | $0.00 | 1.0 | None | N/A | No | 7.500% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | 60 | Not Stated | 03/01/2055 | $727,065.68 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 241.39 | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251004 | N/A | No | No | $852.72 | $852.72 | 7.250% | No | No | 0 | US Citizen | US Citizen | 1 | $1,853.64 | $260.04 | $154.47 | $21.67 | 0.000% | 0.000% | 0.000% | 01/07/2025 | 758 | Level 2-Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 1.0 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.15 | 0.87 | 04/01/2055 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 40.17 | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250816 | Non QM | Yes | No | $2,285.00 | $4,524.98 | 6.955% | $3,278.07 | $3,278.07 | 6.875% | No | No | Self-Employed | US Citizen | $32,578.39 | 1 | $10,292.52 | $1,217.04 | $857.71 | $101.42 | 11.538% | 11.538% | 11.538% | 01/28/2025 | 818 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $2,285.00 | 6.870% | $0.00 | 1.0 | None | N/A | No | 6.875% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | 03/01/2055 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 112.94 | Retail | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250808 | N/A | No | No | $2,292.98 | $2,292.98 | 6.990% | No | No | 0 | US Citizen | 2 | $5,877.84 | $2,120.28 | $489.82 | $176.69 | 0.000% | 0.000% | 0.000% | 12/17/2024 | 770 | Level 2-Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | FM Mortgage | $0.00 | N/A | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.11 | 0.9 | 02/01/2055 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 108.84 | Retail | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250809 | N/A | No | No | $2,467.44 | $2,467.44 | 6.990% | No | No | 0 | US Citizen | 3 | $8,028.00 | $2,569.56 | $669.00 | $214.13 | 0.000% | 0.000% | 0.000% | 12/17/2024 | 770 | Level 2-Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | FM Mortgage | $0.00 | N/A | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.31 | 0.76 | 02/01/2055 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | LLC | Guarantor - Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 77.98 | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250836 | N/A | No | No | $1,615.01 | $1,615.01 | 6.750% | No | No | US Citizen | 1 | $6,215.28 | $2,156.04 | $517.94 | $179.67 | 0.000% | 0.000% | 0.000% | 01/20/2025 | 683 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 1.0 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | 03/01/2055 | $88,708.10 | 21.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 4.9 | Retail | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250818 | N/A | No | No | $4,175.13 | $4,175.13 | 6.875% | No | No | US Citizen | 1 | $21,943.80 | $3,663.96 | $1,828.65 | $305.33 | 0.000% | 0.000% | 0.000% | 01/22/2025 | 796 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 1.0 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.03 | 0.97 | 240 | 03/01/2055 | $171,254.69 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 27.1 | Broker | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251394 | Safe Harbor QM (APOR) | Yes | No | $10,495.00 | $10,678.32 | 7.529% | $2,728.71 | $2,728.71 | 7.250% | No | No | Self-Employed | Non-Employment Income | US Citizen | US Citizen | $6,335.62 | 1 | $12,418.44 | $1,050.00 | $1,034.87 | $87.50 | 46.506% | 46.506% | 46.506% | 12/02/2024 | 797 | No | Yes | 12 | Business | 68.000% | 100.000% | [Borrower - | Non-Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2024 [Borrower - | Non-Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - Wages]; W-2 - 2023 [Borrower - | Non-Primary Income - Wages]; W-2 Transcript - 2023 [Borrower - | Non-Primary Income - Wages]; W-2 - 2022 [Borrower - | Non-Primary Income - Wages]; W-2 Transcript - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 [Coborrower(s) - | Primary Income - Social Security]; Account Statements - 2024 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2024 [Coborrower(s) - | Primary Income - Social Security]; 1099-SSA - 2023 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2022 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $10,495.00 | 6.920% | $0.00 | 3.4 | None | N/A | No | 7.250% | 3 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | No | 03/01/2055 | $135,241.16 | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 27.88 | No | [Redacted] | $1,798.20 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251379 | Safe Harbor QM (APOR) | Yes | No | $26,495.00 | $23,701.90 | 7.403% | $20,720.25 | $20,720.25 | 7.375% | No | No | Self-Employed | US Citizen | $93,285.69 | 3 | $52,500.00 | $3,453.96 | $4,375.00 | $287.83 | 26.741% | 26.741% | 26.741% | 01/30/2025 | 810 | No | Yes | 12 | Business | 100.000% | 75.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 75.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 75.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 75.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 75.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 75.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 75.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 75.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 75.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 75.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2010 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $26,495.00 | 6.870% | $0.00 | None | N/A | No | 7.375% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | Not Stated | 04/01/2055 | $1,132,399.26 | 28.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 45.51 | Yes | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250843 | Non QM | Yes | No | $20,745.00 | $17,183.22 | 7.952% | $5,014.89 | $5,014.89 | 7.750% | No | No | Self-Employed | US Citizen | $22,766.15 | 1 | $10,937.52 | $2,319.00 | $911.46 | $193.25 | 21.254% | 21.254% | 21.254% | 02/14/2025 | 783 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2023 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $20,745.00 | 6.870% | $0.00 | 1.0 | None | N/A | No | 7.750% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | 04/01/2055 | $336,613.39 | 38.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 23.46 | Yes | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251432 | N/A | No | No | $6,405.06 | $6,405.06 | 6.875% | No | No | US Citizen | 3 | $10,918.20 | $4,316.40 | $909.85 | $359.70 | 0.000% | 0.000% | 0.000% | 03/04/2025 | 745 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.18 | 0.85 | 04/01/2055 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | No | 121.95 | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251308 | Non QM | Yes | No | $3,994.72 | $7,978.03 | 7.251% | $2,636.25 | $3,475.72 | 7.125% | No | No | Self-Employed | US Citizen | $9,992.67 | 1 | $7,447.44 | $1,147.20 | $620.62 | $95.60 | 49.384% | 45.132% | 49.384% | 01/22/2025 | 789 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; CPA Letter - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Expense Letter - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Other - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Third Party Verification - 2024 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | Arc | $3,994.72 | 6.850% | $0.00 | 1.3 | None | N/A | No | 7.125% | 0 | 0 | 0 | 2 | 0 | 24 | 0.00 | Yes | 240 | 04/01/2055 | $105,264.39 | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 19.62 | No | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251325 | N/A | No | No | $1,877.00 | $1,877.00 | 7.750% | No | No | US Citizen | 1 | $3,341.64 | $1,332.96 | $278.47 | $111.08 | 0.000% | 0.000% | 0.000% | 02/11/2025 | 784 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 1.0 | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.15 | 0.87 | 04/01/2055 | $2,500.00 | 1.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 113.16 | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250842 | N/A | No | No | $2,249.82 | $2,249.82 | 6.750% | No | No | US Citizen | 1 | $5,239.80 | $1,850.88 | $436.65 | $154.24 | 0.000% | 0.000% | 0.000% | 12/06/2024 | 778 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 1.7 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.18 | 0.85 | 04/01/2055 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 41.39 | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251350 | N/A | No | No | $6,405.06 | $6,405.06 | 6.875% | No | No | US Citizen | 3 | $10,062.60 | $4,316.40 | $838.55 | $359.70 | 0.000% | 0.000% | 0.000% | 03/04/2025 | 745 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.15 | 0.87 | 04/01/2055 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | No | 123.09 | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251374 | Safe Harbor QM (APOR) | Yes | No | $4,999.00 | $8,396.74 | 7.660% | $5,413.75 | $5,413.75 | 7.500% | No | No | Self-Employed | Not Employed | US Citizen | Permanent Resident Alien | $174,239.55 | 1 | $5,962.68 | $3,366.00 | $496.89 | $280.50 | 3.602% | 3.602% | 3.602% | 790 | No | Yes | 12 | Business | 100.000% | 51.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2022 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $4,999.00 | 6.350% | $0.00 | 1.0 | None | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | Not Stated | 04/01/2040 | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | No | 90.14 | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251032 | Non QM | Yes | No | $14,695.00 | $9,126.16 | 7.430% | $5,408.33 | $7,022.11 | 7.375% | No | No | Self-Employed | US Citizen | $62,008.62 | 1 | $14,375.04 | $5,907.96 | $1,197.92 | $492.33 | 22.521% | 20.505% | 22.521% | 02/03/2025 | 794 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $14,695.00 | 6.850% | $0.00 | 2.3 | None | N/A | No | 7.375% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | 240 | 04/01/2055 | $261,904.34 | 23.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 16.3 | No | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251438 | Safe Harbor QM (APOR) | Yes | No | $8,775.00 | $10,865.47 | 7.639% | $2,514.06 | $2,514.06 | 7.375% | No | No | Self-Employed | US Citizen | $29,421.40 | 1 | $7,800.72 | $1,782.72 | $650.06 | $148.56 | 31.484% | 31.484% | 31.484% | 01/29/2025 | 687 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2024 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $8,775.00 | 6.850% | $0.00 | 2.6 | None | N/A | No | 7.375% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | Not Stated | 04/01/2055 | $4,000.00 | 1.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 8.74 | No | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251011 | Non QM | Yes | No | $19,958.37 | $11,770.15 | 8.042% | $4,182.20 | $4,182.20 | 7.875% | No | No | Self-Employed | US Citizen | $66,829.56 | 1 | $6,654.60 | $3,157.44 | $554.55 | $263.12 | 11.524% | 11.524% | 11.524% | 01/03/2025 | 725 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $19,958.37 | 6.880% | $0.00 | 1.0 | None | N/A | No | 7.875% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | 04/01/2055 | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 25.1 | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251249 | Non QM | Yes | No | $38,501.88 | $47,047.96 | 8.084% | $11,074.22 | $12,235.55 | 7.875% | No | No | Employed | Employed | US Citizen | US Citizen | $23,646.21 | 1 | $27,947.04 | $4,860.00 | $2,328.92 | $405.00 | 44.352% | 41.619% | 44.352% | 01/19/2025 | 785 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; Year End Summary - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 - 2022 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2022 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | ArcHome | $38,501.88 | 7.070% | $0.00 | 1.1 | None | N/A | No | 7.875% | 2 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | 360 | 04/01/2065 | $1,340,872.39 | 60.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 47.61 | No | No | [Redacted] | $0.00 | $18,910.25 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250959 | N/A | No | No | $3,236.50 | $3,236.50 | 6.750% | No | No | US Citizen | 1 | $8,543.76 | $831.96 | $711.98 | $69.33 | 0.000% | 0.000% | 0.000% | 12/24/2024 | 789 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 1.6 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.22 | 0.82 | 04/01/2055 | $303,765.67 | 36.000% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 6.83 | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251362 | N/A | No | No | $4,513.40 | $4,513.40 | 7.750% | No | No | Permanent Resident Alien | 1 | $19,244.88 | $1,097.04 | $1,603.74 | $91.42 | 0.000% | 0.000% | 0.000% | 02/03/2025 | 783 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 1.0 | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.76 | 1.32 | 04/01/2055 | $590,916.40 | 64.000% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 41.61 | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251340 | Non QM | Yes | No | $14,695.00 | $11,106.49 | 7.571% | $3,315.24 | $3,315.24 | 7.375% | No | No | Self-Employed | Permanent Resident Alien | $20,576.96 | 1 | $13,985.76 | $5,631.96 | $1,165.48 | $469.33 | 25.793% | 25.793% | 25.793% | 02/07/2025 | 726 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $14,695.00 | 6.850% | $0.00 | 1.0 | None | N/A | No | 7.375% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | 04/01/2055 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | No | 12.27 | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251353 | N/A | No | No | $7,522.33 | $7,522.33 | 7.750% | No | No | US Citizen | 1 | $14,253.00 | $5,232.36 | $1,187.75 | $436.03 | 0.000% | 0.000% | 0.000% | 01/14/2025 | 751 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 2.6 | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.04 | 0.96 | 04/01/2055 | $214,057.41 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 31.71 | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251294 | N/A | No | No | $2,340.31 | $2,340.31 | 6.875% | No | No | US Citizen | 1 | $5,192.04 | $1,528.20 | $432.67 | $127.35 | 0.000% | 0.000% | 0.000% | 02/18/2025 | 722 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 1.0 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.36 | 0.73 | 04/01/2055 | $189,929.50 | 40.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 37.17 | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251285 | N/A | No | No | $2,926.62 | $2,926.62 | 6.875% | No | No | US Citizen | 2 | $3,928.68 | $1,644.00 | $327.39 | $137.00 | 0.000% | 0.000% | 0.000% | 01/27/2025 | 774 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.66 | 0.6 | 04/01/2055 | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 59.46 | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250823 | N/A | No | No | $2,156.59 | $2,156.59 | 6.750% | No | No | US Citizen | 1 | $7,979.88 | $2,843.16 | $664.99 | $236.93 | 0.000% | 0.000% | 0.000% | 01/03/2025 | 770 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 1.0 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | 03/01/2055 | $49,835.36 | 10.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 3.77 | Retail | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250971 | N/A | No | No | $2,001.48 | $2,001.48 | 7.750% | No | No | US Citizen | 1 | $3,087.48 | $3,107.04 | $257.29 | $258.92 | 0.000% | 0.000% | 0.000% | 02/05/2025 | 764 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 2.6 | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.03 | 0.97 | 03/01/2055 | $138,119.45 | 37.000% | No | Yes | Short Form | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 14.37 | Retail | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250965 | N/A | No | No | $2,196.83 | $2,196.83 | 7.000% | No | No | Permanent Resident Alien | 1 | $2,085.00 | $1,203.96 | $173.75 | $100.33 | 0.000% | 0.000% | 0.000% | 01/21/2025 | 789 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 1.7 | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.85 | 1.18 | 03/01/2055 | $2,771.40 | 1.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 11.85 | Retail | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251012 | N/A | No | No | $1,716.05 | $1,716.05 | 7.625% | No | No | US Citizen | 1 | $9,237.00 | $2,531.76 | $769.75 | $210.98 | 0.000% | 0.000% | 0.000% | 01/29/2025 | 684 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 1.0 | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | 03/01/2055 | $168,852.48 | 45.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 8.26 | Retail | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251072 | N/A | No | No | $4,983.80 | $4,983.80 | 6.875% | No | No | US Citizen | 1 | $3,220.20 | $1,725.96 | $268.35 | $143.83 | 0.000% | 0.000% | 0.000% | 02/06/2025 | 792 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 2.8 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.09 | 0.91 | 240 | 03/01/2055 | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 34.64 | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251074 | N/A | No | No | $4,834.84 | $4,834.84 | 6.875% | No | No | US Citizen | 1 | $3,219.84 | $1,725.96 | $268.32 | $143.83 | 0.000% | 0.000% | 0.000% | 02/06/2025 | 792 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 2.9 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | 240 | 03/01/2055 | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 31.98 | Retail | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251054 | N/A | No | No | $5,076.04 | $5,076.04 | 6.875% | No | No | US Citizen | 1 | $3,208.44 | $1,644.84 | $267.37 | $137.07 | 0.000% | 0.000% | 0.000% | 02/06/2025 | 792 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 2.9 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.19 | 0.84 | 240 | 03/01/2055 | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 34.11 | Retail | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251075 | N/A | No | No | $4,932.24 | $4,932.24 | 6.875% | No | No | US Citizen | 1 | $3,242.88 | $1,644.84 | $270.24 | $137.07 | 0.000% | 0.000% | 0.000% | 02/06/2025 | 792 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 2.6 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.22 | 0.82 | 240 | 03/01/2055 | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 33.09 | Retail | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251076 | N/A | No | No | $5,041.67 | $5,041.67 | 6.875% | No | No | US Citizen | 1 | $3,218.16 | $2,952.00 | $268.18 | $246.00 | 0.000% | 0.000% | 0.000% | 02/06/2025 | 792 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 2.9 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.15 | 0.87 | 240 | 03/01/2055 | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 33.64 | Retail | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251069 | N/A | No | No | $5,545.26 | $5,545.26 | 6.875% | No | No | US Citizen | 1 | $3,887.16 | $1,845.84 | $323.93 | $153.82 | 0.000% | 0.000% | 0.000% | 02/06/2025 | 792 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 3.2 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.1 | 0.91 | 240 | 03/01/2055 | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 31.04 | Retail | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251073 | N/A | No | No | $4,983.80 | $4,983.80 | 6.875% | No | No | US Citizen | 1 | $3,217.68 | $1,725.96 | $268.14 | $143.83 | 0.000% | 0.000% | 0.000% | 02/06/2025 | 792 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 2.9 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.09 | 0.91 | 240 | 03/01/2055 | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 34.42 | Retail | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251077 | N/A | No | No | $5,012.45 | $5,012.45 | 6.875% | No | No | US Citizen | 1 | $3,228.60 | $1,644.84 | $269.05 | $137.07 | 0.000% | 0.000% | 0.000% | 02/06/2025 | 792 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 2.6 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.22 | 0.82 | 240 | 03/01/2055 | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 34.5 | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251071 | N/A | No | No | $5,975.52 | $5,975.52 | 6.875% | No | No | US Citizen | 1 | $3,887.16 | $2,026.08 | $323.93 | $168.84 | 0.000% | 0.000% | 0.000% | 02/06/2025 | 792 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 2.8 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.11 | 0.9 | 240 | 03/01/2055 | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 28.9 | Retail | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251067 | N/A | No | No | $4,983.80 | $4,983.80 | 6.875% | No | No | US Citizen | 1 | $3,220.32 | $1,644.84 | $268.36 | $137.07 | 0.000% | 0.000% | 0.000% | 02/06/2025 | 792 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 2.8 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.15 | 0.87 | 240 | 03/01/2055 | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 34.46 | Retail | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251070 | N/A | No | No | $5,093.23 | $5,093.23 | 6.875% | No | No | US Citizen | 1 | $3,205.44 | $1,644.84 | $267.12 | $137.07 | 0.000% | 0.000% | 0.000% | 02/06/2025 | 792 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 3.3 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.17 | 0.85 | 240 | 03/01/2055 | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 34 | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251068 | N/A | No | No | $5,545.26 | $5,545.26 | 6.875% | No | No | US Citizen | 1 | $3,480.00 | $2,952.00 | $290.00 | $246.00 | 0.000% | 0.000% | 0.000% | 02/06/2025 | 792 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 3.2 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.09 | 0.92 | 240 | 03/01/2055 | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 30.74 | Retail | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250967 | N/A | No | No | $1,810.73 | $1,810.73 | 7.750% | No | No | US Citizen | 2 | $7,741.44 | $2,082.48 | $645.12 | $173.54 | 0.000% | 0.000% | 0.000% | 02/08/2025 | 801 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.12 | 0.89 | 03/01/2055 | $115,350.82 | 34.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 11.08 | Retail | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250956 | N/A | No | No | $1,508.02 | $1,508.02 | 6.750% | No | No | US Citizen | 1 | $3,829.92 | $200.04 | $319.16 | $16.67 | 0.000% | 0.000% | 0.000% | 01/22/2025 | 815 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 1.0 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | 240 | 03/01/2055 | $160,773.24 | 42.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 27.21 | Retail | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250815 | Non QM | Yes | No | $1,990.00 | $1,980.96 | 7.028% | $2,993.86 | $2,993.86 | 7.000% | No | No | Employed | US Citizen | $8,878.90 | 1 | $36,448.80 | $4,518.00 | $3,037.40 | $376.50 | 42.407% | 42.407% | 42.407% | 02/04/2025 | 779 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | Cross Country | $1,990.00 | 6.870% | $33,500.00 | 2.6 | None | N/A | No | 7.000% | 1 | 0 | 0 | 2 | 0 | 0.00 | No | 03/01/2055 | $2,704,689.84 | 92.000% | No | 5 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 32.01 | Retail | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251000 | Non QM | Yes | No | $7,924.38 | $9,161.35 | 8.147% | $2,583.06 | $2,583.06 | 7.875% | No | No | Employed | US Citizen | $3,362.80 | 1 | $2,771.64 | $1,490.04 | $230.97 | $124.17 | 47.209% | 47.209% | 47.209% | 01/28/2025 | 690 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | Arc | $7,924.38 | 6.880% | $0.00 | 1.5 | None | N/A | No | 7.875% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | 03/01/2055 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 5.84 | Retail | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250810 | Non QM | Yes | No | $6,252.02 | $7,300.10 | 7.424% | $1,596.71 | $1,596.71 | 7.125% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $2,597.25 | 1 | $3,346.08 | $998.40 | $278.84 | $83.20 | 49.322% | 49.322% | 49.322% | 813 | No | No | [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - No Results Returned - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Account Transcripts - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; Account Transcripts - 2022 [Borrower]; Transcripts (1040) - 2022 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Account Transcripts - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; Account Transcripts - 2022 [Coborrower]; Transcripts (1040) - 2022 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | Guaranteed Rate | $6,252.02 | 6.870% | $0.00 | 3.9 | None | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 3 | 2 | 0.00 | No | 03/01/2055 | $199,614.55 | 51.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 12.34 | Retail | No | [Redacted] | $2,304.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251017 | Non QM | Yes | No | $1,690.00 | $3,020.93 | 7.348% | $2,046.53 | $2,046.53 | 7.250% | No | No | Not Employed | Self-Employed | US Citizen | US Citizen | $9,040.87 | 1 | $3,008.64 | $1,886.76 | $250.72 | $157.23 | 21.699% | 21.699% | 21.699% | 809 | No | Yes | 12 | Personal | 100.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 4.50000% | Expense Ratio Source: P&L Statement | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 4.50000% | Expense Ratio Source: P&L Statement | # of Bank Statements Required: 12]; Borrower-prepared P&L - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 4.50000% | Expense Ratio Source: P&L Statement | # of Bank Statements Required: 12]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 4.50000% | Expense Ratio Source: P&L Statement | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 4.50000% | Expense Ratio Source: P&L Statement | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 4.50000% | Expense Ratio Source: P&L Statement | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 4.50000% | Expense Ratio Source: P&L Statement | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | New American Funding | $1,690.00 | 6.850% | $0.00 | 1.0 | None | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | 03/01/2055 | $540,835.60 | 88.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 88.37 | Retail | No | [Redacted] | $11,546.35 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250821 | Safe Harbor QM (APOR) | Yes | No | $15,801.25 | $8,881.00 | 7.553% | $6,668.76 | $6,668.76 | 7.500% | No | No | Self-Employed | US Citizen | $13,055.76 | 1 | $17,031.24 | $2,535.00 | $1,419.27 | $211.25 | 41.047% | 41.047% | 41.047% | 01/03/2025 | 791 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2025 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | Arc | $15,801.25 | 6.870% | $0.00 | 1.5 | None | N/A | No | 7.500% | 0 | 0 | 0 | 2 | 0 | 24 | 0.00 | No | Not Stated | 04/01/2055 | $634,112.21 | 47.000% | No | Yes | Preliminary | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 24.75 | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251410 | N/A | No | No | $1,203.85 | $1,203.85 | 7.375% | No | No | US Citizen | 1 | $5,509.32 | $2,619.00 | $459.11 | $218.25 | 0.000% | 0.000% | 0.000% | 02/24/2025 | 709 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 2.0 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | 04/01/2055 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 75.06 | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251049 | N/A | No | No | $3,629.24 | $3,629.24 | 7.250% | No | No | US Citizen | 3 | $11,248.20 | $2,933.76 | $937.35 | $244.48 | 0.000% | 0.000% | 0.000% | 11/18/2024 | 781 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.66 | 0.6 | 04/01/2055 | $41,639.51 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 8.65 | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250828 | N/A | No | No | $1,633.42 | $1,633.42 | 7.750% | No | No | US Citizen | 1 | $4,203.96 | $873.00 | $350.33 | $72.75 | 0.000% | 0.000% | 0.000% | 02/03/2025 | 716 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 1.0 | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | 04/01/2055 | $96,212.79 | 33.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 6.17 | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250833 | N/A | No | No | $1,702.57 | $1,702.57 | 6.750% | No | No | US Citizen | 1 | $9,150.60 | $2,664.84 | $762.55 | $222.07 | 0.000% | 0.000% | 0.000% | 01/22/2025 | 773 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 1.0 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.11 | 0.9 | 04/01/2055 | $58,368.63 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 19.12 | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250835 | N/A | No | No | $2,610.61 | $2,610.61 | 6.750% | No | No | US Citizen | 4 | $10,690.80 | $4,431.24 | $890.90 | $369.27 | 0.000% | 0.000% | 0.000% | 01/22/2025 | 773 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.02 | 0.98 | 04/01/2055 | $76,368.63 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 22.81 | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251275 | N/A | No | No | $1,452.86 | $1,452.86 | 6.750% | No | No | US Citizen | 1 | $6,798.96 | $2,956.80 | $566.58 | $246.40 | 0.000% | 0.000% | 0.000% | 01/22/2025 | 773 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 1.0 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.22 | 0.82 | 04/01/2055 | $76,368.63 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 127.57 | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250840 | Safe Harbor QM (APOR) | Yes | No | $5,385.00 | $3,687.22 | 6.935% | $2,555.45 | $2,555.45 | 6.875% | No | No | Non-Employment Income | Employed | US Citizen | US Citizen | $7,917.39 | 1 | $3,080.28 | $1,982.52 | $256.69 | $165.21 | 39.597% | 39.597% | 39.597% | 02/14/2025 | 788 | No | No | [Borrower - | Primary Income - VA Service Related Disability]; Other - 2025 [Borrower - | Primary Income - VA Service Related Disability]; 1099 - 2024 [Borrower - | Primary Income - VA Service Related Disability]; Other - 2024 [Borrower - | Primary Income - VA Service Related Disability]; 1099 - 2023 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | ArcHome | $5,385.00 | 6.870% | $1,000.00 | 5.0 | None | N/A | No | 6.875% | 0 | 2 | 1 | 0 | 2 | 1 | 0.00 | No | Not Stated | 04/01/2055 | $1,290,073.92 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 298.72 | No | No | [Redacted] | $0.00 | $7,813.15 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251355 | Safe Harbor QM (APOR) | Yes | No | $9,775.00 | $11,439.11 | 7.502% | $2,824.21 | $2,824.21 | 7.250% | No | No | Employed | US Citizen | $4,830.94 | 1 | $6,054.00 | $1,668.00 | $504.50 | $139.00 | 47.299% | 47.299% | 47.299% | 02/11/2025 | 715 | No | No | [Borrower - | Primary Income - Wages]; Other - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1040 - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; Transcripts (1040) - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | ArcHome | $9,775.00 | 6.730% | $0.00 | 4.2 | None | N/A | No | 7.250% | 2 | 2 | 0 | 2 | 2 | 0.00 | No | Not Stated | 04/01/2055 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 77.13 | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251331 | Safe Harbor QM (APOR) | Yes | No | $19,335.00 | $20,269.84 | 7.578% | $12,473.99 | $12,473.99 | 7.500% | No | No | Self-Employed | US Citizen | $35,239.48 | 1 | $13,815.12 | $4,868.04 | $1,151.26 | $405.67 | 32.364% | 32.364% | 32.364% | 12/20/2024 | 702 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $19,335.00 | 6.770% | $0.00 | 2.1 | None | N/A | No | 7.500% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | Not Stated | 04/01/2055 | $71,890.00 | No | Yes | Commitment | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 9.67 | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250832 | N/A | No | No | $1,657.17 | $1,657.17 | 6.750% | No | No | US Citizen | 1 | $6,414.72 | $2,466.00 | $534.56 | $205.50 | 0.000% | 0.000% | 0.000% | 01/22/2025 | 773 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 1.0 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.2 | 0.83 | 04/01/2055 | $66,368.63 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 22.19 | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251269 | N/A | No | No | $2,315.67 | $2,315.67 | 6.875% | No | No | 0 | US Citizen | US Citizen | 1 | $5,578.92 | $1,196.04 | $464.91 | $99.67 | 0.000% | 0.000% | 0.000% | 01/29/2025 | 763 | Level 2-Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 5.0 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.11 | 0.9 | 04/01/2055 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | No | 117.87 | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251273 | N/A | No | No | $4,215.89 | $4,215.89 | 6.750% | No | No | Permanent Resident Alien | 2 | $6,561.96 | $1,493.04 | $546.83 | $124.42 | 0.000% | 0.000% | 0.000% | 02/04/2025 | 802 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.29 | 0.78 | 04/01/2055 | $747,216.03 | 60.000% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 21.63 | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251033 | Safe Harbor QM (APOR) | Yes | No | $13,470.99 | $4,988.87 | 7.930% | $4,339.54 | $4,339.54 | 7.875% | No | No | Self-Employed | US Citizen | $28,448.50 | 1 | $4,741.20 | $3,446.04 | $395.10 | $287.17 | 21.461% | 21.461% | 21.461% | 02/12/2025 | 664 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2015 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2015 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2015 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 2 | 2 | 0 | Arc | $13,470.99 | 6.850% | $0.00 | 1.0 | None | N/A | No | 7.875% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | Not Stated | 04/01/2055 | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 20.78 | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251345 | N/A | No | No | $3,069.79 | $3,069.79 | 7.250% | No | No | US Citizen | 1 | $6,839.52 | $1,191.96 | $569.96 | $99.33 | 0.000% | 0.000% | 0.000% | 02/24/2025 | 769 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 2.8 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.02 | 0.98 | 04/01/2055 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 62.5 | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251256 | N/A | No | No | $3,681.30 | $3,681.30 | 7.375% | No | No | US Citizen | 1 | $7,119.96 | $1,696.44 | $593.33 | $141.37 | 0.000% | 0.000% | 0.000% | 02/06/2025 | 786 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 1.0 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.13 | 0.88 | 04/01/2055 | $153,034.19 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 53.4 | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251262 | N/A | No | No | $6,304.37 | $6,304.37 | 6.750% | No | No | US Citizen | 4 | $12,363.00 | $5,133.00 | $1,030.25 | $427.75 | 0.000% | 0.000% | 0.000% | 11/20/2024 | 807 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.16 | 0.86 | 04/01/2055 | $486,345.61 | 30.000% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 6.04 | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251041 | Safe Harbor QM (APOR) | Yes | No | $14,295.00 | $17,545.57 | 7.504% | $4,365.93 | $4,365.93 | 7.250% | No | No | Self-Employed | US Citizen | $7,737.95 | 1 | $20,830.80 | $1,605.00 | $1,735.90 | $133.75 | 48.923% | 48.923% | 48.923% | 12/27/2024 | 765 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Expense Letter - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $14,295.00 | 6.850% | $0.00 | 1.1 | None | N/A | No | 7.250% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | Yes | Not Stated | 04/01/2055 | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 14.52 | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250845 | N/A | No | No | $2,989.03 | $2,989.03 | 6.875% | No | No | US Citizen | 1 | $10,814.04 | $3,953.04 | $901.17 | $329.42 | 0.000% | 0.000% | 0.000% | 03/03/2025 | 796 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 1.0 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.07 | 0.94 | 03/01/2055 | $47,954.46 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 57.69 | Retail | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250807 | Non QM | Yes | No | $4,527.25 | $5,300.73 | 7.446% | $1,807.77 | $1,807.77 | 7.250% | No | No | Self-Employed | US Citizen | $8,654.54 | 2 | $9,096.24 | $3,656.04 | $758.02 | $304.67 | 26.395% | 26.395% | 26.395% | 12/31/2024 | 805 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2023 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $4,527.25 | 6.870% | $0.00 | None | N/A | No | 7.250% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | 03/01/2055 | $45,136.42 | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 27.63 | Retail | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251021 | Non QM | Yes | No | $13,395.00 | $25,568.52 | 7.324% | $13,643.52 | $13,643.52 | 7.250% | No | No | Self-Employed | US Citizen | $34,624.44 | 1 | $5,796.72 | $3,387.96 | $483.06 | $282.33 | 36.775% | 36.775% | 36.775% | 11/19/2024 | 751 | No | Yes | 12 | Personal | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $13,395.00 | 6.850% | $0.00 | 2.7 | None | N/A | No | 7.250% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 04/01/2055 | $714,057.40 | 28.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 12.97 | Retail | Yes | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250961 | Non QM | Yes | No | $1,450.00 | $5,203.64 | 7.306% | $3,376.77 | $3,376.77 | 7.250% | No | No | Self-Employed | US Citizen | $98,017.28 | 1 | $2,556.72 | $3,708.96 | $213.06 | $309.08 | 5.267% | 5.267% | 5.267% | 02/11/2025 | 697 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $1,450.00 | 6.880% | $0.00 | 1.0 | None | N/A | No | 7.250% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 04/01/2055 | $941,601.22 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 159.22 | Retail | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250970 | Non QM | Yes | No | $9,061.92 | $11,393.71 | 8.247% | $2,436.23 | $2,436.23 | 7.875% | No | No | Self-Employed | US Citizen | $11,267.46 | 1 | $5,640.84 | $4,532.04 | $470.07 | $377.67 | 32.580% | 32.580% | 32.580% | 01/29/2025 | 737 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2020 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | New American Funding | $9,061.92 | 6.880% | $8,000.00 | 1.0 | None | N/A | No | 7.875% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | 03/01/2055 | $556,299.04 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 168.18 | Retail | Yes | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251282 | N/A | No | No | $3,270.95 | $3,270.95 | 6.500% | No | No | US Citizen | US Citizen | 2 | $10,986.96 | $1,499.04 | $915.58 | $124.92 | 0.000% | 0.000% | 0.000% | 02/19/2025 | 770 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.02 | 0.98 | 04/01/2055 | $81,117.72 | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 106.63 | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251304 | N/A | No | No | $1,848.60 | $1,848.60 | 6.875% | No | No | US Citizen | 1 | $5,808.48 | $1,809.60 | $484.04 | $150.80 | 0.000% | 0.000% | 0.000% | 02/13/2025 | 787 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 1.0 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.02 | 0.98 | 04/01/2055 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 69.74 | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250960 | N/A | No | No | $3,670.88 | $3,670.88 | 7.500% | No | No | US Citizen | 1 | $12,980.04 | $1,200.00 | $1,081.67 | $100.00 | 0.000% | 0.000% | 0.000% | 02/03/2025 | 805 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 1.0 | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.03 | 0.97 | 04/01/2055 | $215,241.18 | 31.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 18.3 | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251229 | Non QM | Yes | No | $25,702.30 | $28,933.50 | 7.724% | $3,990.73 | $3,990.73 | 7.250% | No | No | Self-Employed | US Citizen | $7,300.47 | 1 | $23,292.00 | $1,119.96 | $1,941.00 | $93.33 | 45.214% | 45.214% | 45.214% | 11/14/2024 | 746 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Expense Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2024 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $25,702.30 | 6.780% | $0.00 | 1.0 | None | N/A | No | 7.250% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | Yes | 04/01/2055 | $509,721.21 | 57.000% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 23.2 | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250820 | Safe Harbor QM (APOR) | Yes | No | $16,536.95 | $16,845.68 | 7.493% | $8,311.28 | $8,311.28 | 7.375% | No | No | Self-Employed | US Citizen | $26,752.13 | 1 | $31,503.00 | $6,532.32 | $2,625.25 | $544.36 | 37.127% | 37.127% | 37.127% | 01/15/2025 | 752 | No | Yes | 24 | Business | 100.000% | 52.500% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 52.50% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 52.50% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 52.50% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 52.50% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 52.50% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 52.50% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 52.50% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 60.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 60.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 60.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 60.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 60.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 60.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2024 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 60.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $16,536.95 | 6.870% | $50,000.00 | 2.6 | None | N/A | No | 7.375% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | Not Stated | 04/01/2055 | $322,383.31 | 21.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 15.06 | Yes | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251235 | Safe Harbor QM (APOR) | Yes | No | $6,247.00 | $7,253.10 | 7.459% | $2,161.13 | $2,161.13 | 7.250% | No | No | Self-Employed | US Citizen | $16,992.07 | 1 | $4,299.00 | $1,317.00 | $358.25 | $109.75 | 28.743% | 28.743% | 28.743% | 02/21/2025 | 744 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | Arc | $6,247.00 | 6.850% | $0.00 | 1.0 | None | N/A | No | 7.250% | 0 | 0 | 0 | 2 | 0 | 24 | 0.00 | No | Not Stated | 04/01/2055 | $206,687.48 | 52.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | 45.28 | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251088 | N/A | No | No | $5,810.82 | $5,810.82 | 7.125% | No | No | US Citizen | 2 | $8,141.64 | $867.00 | $678.47 | $72.25 | 0.000% | 0.000% | 0.000% | 11/25/2024 | 782 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.11 | 0.9 | 04/01/2055 | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 30.97 | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251414 | N/A | No | No | $1,530.69 | $1,530.69 | 6.750% | No | No | US Citizen | 1 | $6,454.20 | $1,407.84 | $537.85 | $117.32 | 0.000% | 0.000% | 0.000% | 02/11/2025 | 804 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 1.0 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | 04/01/2055 | $574,016.77 | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 227.66 | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251382 | N/A | No | No | $1,995.37 | $1,995.37 | 7.250% | No | No | US Citizen | 1 | $6,442.32 | $1,455.96 | $536.86 | $121.33 | 0.000% | 0.000% | 0.000% | 02/24/2025 | 794 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 1.1 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.28 | 0.78 | 04/01/2055 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 103.73 | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251233 | N/A | No | No | $2,804.35 | $2,804.35 | 7.125% | No | No | US Citizen | 1 | $7,752.48 | $591.96 | $646.04 | $49.33 | 0.000% | 0.000% | 0.000% | 12/05/2024 | 798 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 1.0 | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.03 | 0.97 | 04/01/2055 | $934,430.93 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 175.26 | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251036 | N/A | No | No | $2,315.67 | $2,315.67 | 6.875% | No | No | US Citizen | 1 | $4,764.72 | $833.04 | $397.06 | $69.42 | 0.000% | 0.000% | 0.000% | 02/26/2025 | 751 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 3.6 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.04 | 0.96 | 04/01/2055 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 17.53 | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251270 | N/A | No | No | $2,728.71 | $2,728.71 | 7.250% | No | No | US Citizen | 1 | $2,843.76 | $831.00 | $236.98 | $69.25 | 0.000% | 0.000% | 0.000% | 03/04/2025 | 769 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 1.0 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.15 | 0.87 | 04/01/2055 | $141,230.82 | No | Yes | Preliminary | Fee Simple | Individual | Individual | Trust | Business Entity | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 174.39 | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251093 | N/A | No | No | $2,536.02 | $2,536.02 | 6.750% | No | No | US Citizen | 1 | $1,669.08 | $860.04 | $139.09 | $71.67 | 0.000% | 0.000% | 0.000% | 02/27/2025 | 789 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 2.6 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | 04/01/2055 | $181,606.07 | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Yes | 66.12 | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251352 | Non QM | Yes | No | $21,651.20 | $25,552.60 | 7.272% | $4,072.96 | $4,072.96 | 6.875% | No | No | Self-Employed | US Citizen | $29,399.27 | 1 | $12,158.52 | $1,479.00 | $1,013.21 | $123.25 | 30.181% | 30.181% | 30.181% | 01/07/2025 | 741 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; Account Statements - Business - 2025 [Borrower - | Primary Income - P&L Statement Only]; Audited P&L - 2025 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | Arc | $21,651.20 | 6.730% | $0.00 | 1.0 | None | N/A | No | 6.875% | 0 | 0 | 0 | 2 | 0 | 12.00 | No | 04/01/2055 | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 21.05 | No | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251030 | N/A | No | No | $2,349.36 | $2,349.36 | 7.500% | No | No | US Citizen | 1 | $6,926.52 | $501.00 | $577.21 | $41.75 | 0.000% | 0.000% | 0.000% | 01/30/2025 | 694 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 1.0 | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.09 | 0.92 | 04/01/2055 | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 21.75 | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251274 | N/A | No | No | $9,859.20 | 9.849% | $2,167.40 | $2,167.40 | 9.875% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $62,641.07 | 1 | $6,919.56 | $1,494.96 | $576.63 | $124.58 | 28.354% | 28.354% | 28.354% | 694 | No | Yes | 12 | Personal | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2022 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $9,859.20 | 6.880% | $6,240.00 | 1.0 | None | N/A | No | 9.875% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | 04/01/2055 | $218,405.13 | 70.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 51.66 | No | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250831 | N/A | No | No | $2,398.31 | $2,398.31 | 7.500% | No | No | US Citizen | 1 | $4,739.04 | $1,056.24 | $394.92 | $88.02 | 0.000% | 0.000% | 0.000% | 12/16/2024 | 802 | No | No | DSCR | 0 | 0 | 0 | No | First Colony Mortgage | $0.00 | 4.5 | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.87 | 1.15 | 03/01/2055 | $350,548.36 | 52.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 26.84 | Retail | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251016 | N/A | No | No | $2,545.14 | $2,545.14 | 7.500% | No | No | Permanent Resident Alien | US Citizen | 1 | $10,764.12 | $1,776.96 | $897.01 | $148.08 | 0.000% | 0.000% | 0.000% | 02/16/2025 | 799 | No | No | DSCR | 0 | 0 | 0 | No | First Colony Mortgage | $0.00 | 1.1 | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | 04/01/2055 | $176,970.34 | 34.000% | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 11.05 | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250839 | N/A | No | No | $1,005.84 | $1,005.84 | 7.750% | No | No | US Citizen | 1 | $1,396.92 | $754.32 | $116.41 | $62.86 | 0.000% | 0.000% | 0.000% | 01/29/2025 | 697 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | 04/01/2055 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 61.02 | Broker | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250838 | N/A | No | No | $955.36 | $955.36 | 8.000% | No | No | US Citizen | 1 | $3,234.48 | $2,040.00 | $269.54 | $170.00 | 0.000% | 0.000% | 0.000% | 12/10/2024 | 760 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 1.0 | N/A | No | 8.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | 04/01/2055 | $358,718.31 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 155.8 | Retail | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251244 | Safe Harbor QM (APOR) | Yes | No | $12,766.40 | $4,084.88 | 7.799% | $4,527.73 | $4,527.73 | 7.750% | No | No | Self-Employed | US Citizen | $35,656.95 | 1 | $10,792.56 | $1,616.04 | $899.38 | $134.67 | 19.255% | 19.255% | 19.255% | 12/30/2024 | 785 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2024 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $12,766.40 | 7.070% | $5,000.00 | 2.3 | None | N/A | No | 7.750% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | Not Stated | 04/01/2055 | $208,863.65 | 26.000% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 10.33 | No | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251316 | Non QM | Yes | No | $27,833.08 | $751.87 | 6.874% | $3,928.43 | $3,928.43 | 6.875% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $63,187.67 | 1 | $4,637.40 | $4,539.96 | $386.45 | $378.33 | 27.730% | 27.730% | 27.730% | 694 | No | Yes | 12 | Personal | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2022 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $27,833.08 | 6.730% | $25,151.54 | 1.5 | None | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | 04/01/2055 | $565,194.49 | 61.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 53.13 | Yes | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250998 | N/A | No | No | $2,411.57 | $2,411.57 | 8.250% | No | No | US Citizen | 1 | $4,353.84 | $1,296.96 | $362.82 | $108.08 | 0.000% | 0.000% | 0.000% | 01/16/2025 | 769 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 1.4 | No | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.11 | 0.9 | 04/01/2055 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 30.44 | Retail | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251022 | N/A | No | No | $2,502.05 | $2,502.05 | 7.625% | No | No | US Citizen | 1 | $5,845.08 | $3,507.96 | $487.09 | $292.33 | 0.000% | 0.000% | 0.000% | 01/22/2025 | 705 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 1.5 | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.07 | 0.94 | 04/01/2055 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 99.87 | Retail | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251007 | Non QM | Yes | No | $2,170.00 | $232.28 | 6.988% | $3,262.00 | $4,338.31 | 6.990% | No | No | Non-Employment Income | US Citizen | $6,272.96 | 1 | $13,905.12 | $2,700.12 | $1,158.76 | $225.01 | 0.000% | 0.000% | 0.000% | 09/24/2024 | 767 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2024 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2024 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2024 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2024 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2024 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | ARCHome | $2,170.00 | 6.040% | $0.00 | 1.0 | None | N/A | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 60 | 240 | 11/01/2054 | $738,911.55 | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 128.39 | Retail | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250829 | Non QM | Yes | No | $1,695.00 | $7,513.77 | 7.468% | $4,834.73 | $4,834.73 | 7.375% | No | No | Self-Employed | US Citizen | $252,560.22 | 1 | $17,078.64 | $4,620.84 | $1,423.22 | $385.07 | 7.987% | 7.987% | 7.987% | 01/29/2025 | 756 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 75.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 75.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 75.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 75.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 75.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 75.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 75.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 75.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 75.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 75.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | New American Funding | $1,695.00 | 6.870% | $0.00 | 5.0 | None | N/A | No | 7.375% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | 03/01/2055 | $630,417.18 | 45.000% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 131.64 | Retail | No | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251009 | Non QM | Yes | No | $6,550.00 | $6,431.42 | 8.148% | $3,566.10 | $3,566.10 | 8.000% | No | No | Self-Employed | Self-Employed | Permanent Resident Alien | Permanent Resident Alien | $17,420.57 | 1 | $6,072.48 | $2,975.16 | $506.04 | $247.93 | 21.130% | 21.130% | 21.130% | 12/12/2024 | 719 | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2019 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2024 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2019 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Cross Country | $6,550.00 | 6.920% | $0.00 | 2.3 | None | N/A | No | 8.000% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | 03/01/2055 | $42,993.31 | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | Resident Alien Card | No | 9.41 | Retail | No | No | [Redacted] | $10,987.78 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250812 | Non QM | Yes | No | $7,455.54 | $0.00 | 7.483% | $5,118.25 | $5,118.25 | 7.500% | No | Yes | Self-Employed | Employed | US Citizen | US Citizen | $12,243.56 | 1 | $10,037.64 | $1,749.96 | $836.47 | $145.83 | 35.533% | 35.533% | 35.533% | 798 | No | Yes | 12 | Personal | 26.000% | 100.000% | Borrower Prepared | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Borrower-prepared P&L - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2024 [Coborrower(s) - | Primary Income - Wages]; Employer Letter - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2022 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | New American Funding | $7,455.54 | 6.870% | $20,000.00 | 1.2 | None | N/A | No | 7.500% | 0 | 3 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 03/01/2055 | $464,816.03 | 51.000% | No | 25 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 52.28 | Retail | No | [Redacted] | $0.00 | $14,087.49 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251005 | Non QM | Yes | No | $1,590.00 | $5,201.20 | 7.779% | $4,355.79 | $4,355.79 | 7.750% | No | No | Self-Employed | US Citizen | $48,560.89 | 1 | $4,842.84 | $8,067.00 | $403.57 | $672.25 | 25.599% | 25.599% | 25.599% | 01/06/2025 | 795 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2023 |
[Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Cross Country | $1,590.00 | 6.880% | $0.00 | 1.0 | None | N/A | No | 7.750% | 0 | 0 | 0 | 1 | 0 | 12 | 0.00 | No | 04/01/2055 | $524,916.98 | 69.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 83.35 | Retail | Yes | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250811 | Non QM | Yes | No | $1,797.80 | $1,825.10 | 7.336% | $1,432.57 | $1,432.57 | 7.250% | No | No | Self-Employed | US Citizen | $4,351.60 | 1 | $2,370.00 | $1,404.00 | $197.50 | $117.00 | 29.813% | 29.813% | 29.813% | 02/03/2025 | 777 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $1,797.80 | 6.870% | $5,500.00 | 1.6 | None | N/A | No | 7.250% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | 03/01/2055 | $393,609.27 | 95.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 104.31 | Retail | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251020 | Non QM | Yes | No | $1,419.00 | $8,830.17 | 6.769% | $8,018.92 | $8,018.92 | 6.750% | No | No | Employed | US Citizen | $31,914.25 | 1 | $15,454.32 | $4,647.00 | $1,287.86 | $387.25 | 30.370% | 30.370% | 30.370% | 01/28/2025 | 744 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2025 [Borrower - | Non-Primary Income - Wages]; VVOE - 2025 [Borrower - | Non-Primary Income - Wages]; WVOE - 2025 [Borrower - | Non-Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - Wages]; Employer Letter - 2023 [Borrower - | Non-Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | Arc | $1,419.00 | 6.850% | $6.25 | 3.2 | None | N/A | No | 6.750% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | 04/01/2055 | $483,919.71 | 31.000% | No | 13 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 15.47 | Retail | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250957 | Non QM | Yes | No | $1,645.00 | $18,425.51 | 7.302% | $21,147.46 | $21,147.46 | 7.250% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $159,923.75 | 1 | $83,750.04 | $3,959.04 | $6,979.17 | $329.92 | 27.624% | 27.624% | 27.624% | 01/21/2025 | 798 | No | Yes | 12 | Business | 100.000% | 33.000% | 33.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 33.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 33.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 33.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 33.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 33.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 33.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 4506-C - 2017 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2020 [Coborrower]; 4506-C - 2019 [Coborrower]; 4506-C - 2018 [Coborrower]; 4506-C - 2017 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | First Colony Mortgage Corporation | $1,645.00 | 6.870% | $0.00 | 5.0 | None | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 4 | 0 | 12 | 0.00 | No | 03/01/2055 | $204,000.00 | 3.000% | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 20.1 | Retail | Yes | No | [Redacted] | $110,481.55 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251029 | Non QM | Yes | No | $11,285.00 | $14,588.96 | 7.756% | $2,458.80 | $2,458.80 | 7.375% | No | No | Self-Employed | US Citizen | $6,471.79 | 1 | $5,562.48 | $3,064.80 | $463.54 | $255.40 | 47.117% | 47.117% | 47.117% | 01/29/2025 | 745 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2025 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 |
Alternative Documentation (A) | 1yr P&L w/o Bank Statements | 0 | 0 | 0 | AAA Capital Investment | $11,285.00 | 6.850% | $0.00 | 1.0 | None | N/A | No | 7.375% | 0 | 0 | 0 | 3 | 0 | 12.00 | No | 04/01/2055 | $142,326.87 | 32.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 11.87 | Broker | Yes | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250830 | Non QM | Yes | No | $1,695.00 | $6,305.11 | 7.534% | $5,593.72 | $5,593.72 | 7.500% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $12,721.15 | 1 | $15,624.96 | $4,837.68 | $1,302.08 | $403.14 | 46.991% | 46.991% | 46.991% | 732 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 75.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 75.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | New American Funding | $1,695.00 | 6.870% | $0.00 | 1.0 | None | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | 04/01/2055 | $136,709.80 | No | Yes | Preliminary | Fee Simple | Individual | Trustee | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 15.1 | Retail | No | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251023 | Non QM | Yes | No | $9,690.00 | $11,720.55 | 7.784% | $2,250.00 | $2,900.14 | 7.500% | No | No | Self-Employed | US Citizen | $7,900.93 | 1 | $10,969.68 | $1,856.04 | $914.14 | $154.67 | 43.807% | 39.183% | 43.807% | 02/08/2025 | 734 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2019 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $9,690.00 | 6.850% | $0.00 | 1.0 | None | N/A | No | 7.500% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 240 | 04/01/2055 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 14.25 | Retail | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250997 | Non QM | Yes | No | $2,713.75 | $5,624.50 | 7.919% | $874.02 | $874.02 | 7.500% | No | No | Self-Employed | US Citizen | $8,117.83 | 1 | $1,138.80 | $1,206.96 | $94.90 | $100.58 | 43.626% | 43.626% | 43.626% | 11/13/2024 | 691 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2024 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $2,713.75 | 6.880% | $0.00 | 1.5 | None | N/A | No | 7.500% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | 04/01/2055 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 106.86 | Retail | No | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251433 | Safe Harbor QM (APOR) | Yes | No | $6,995.00 | $729.80 | 7.142% | $1,852.73 | $1,852.73 | 7.125% | No | No | Self-Employed | US Citizen | $8,503.40 | 1 | $1,847.40 | $3,539.40 | $153.95 | $294.95 | 32.474% | 32.474% | 32.474% | 02/04/2025 | 772 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $6,995.00 | 6.730% | $206,000.00 | 4.2 | None | N/A | No | 7.125% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | Not Stated | 04/01/2055 | $22,522.64 | 5.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 9.61 | Yes | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251283 | N/A | No | No | $2,744.55 | $2,744.55 | 7.625% | No | No | 0 | US Citizen | US Citizen | 4 | $8,737.08 | $2,496.96 | $728.09 | $208.08 | 0.000% | 0.000% | 0.000% | 02/25/2025 | 794 | Level 2-Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.31 | 0.76 | 04/01/2055 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Yes | 111.24 | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251390 | N/A | No | No | $1,736.62 | $1,736.62 | 6.750% | No | No | 0 | US Citizen | US Citizen | 1 | $5,227.20 | $744.48 | $435.60 | $62.04 | 0.000% | 0.000% | 0.000% | 03/06/2025 | 755 | 765 | 733 | 755 | Level 3-Stated/Partially Verified | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 1.2 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.04 | 0.49 | 04/01/2055 | $357,701.83 | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 93.42 | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251258 | N/A | No | No | $2,919.27 | $2,919.27 | 7.375% | No | No | US Citizen | 2 | $18,572.04 | $2,502.00 | $1,547.67 | $208.50 | 0.000% | 0.000% | 0.000% | 12/12/2024 | 782 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.03 | 0.97 | 240 | 04/01/2055 | $309,914.86 | 43.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 5.45 | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251333 | N/A | No | No | $1,905.09 | $1,905.09 | 6.875% | No | No | Permanent Resident Alien | 1 | $5,433.84 | $3,003.48 | $452.82 | $250.29 | 0.000% | 0.000% | 0.000% | 02/14/2025 | 775 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 1.0 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.23 | 0.82 | 04/01/2055 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | No | 39.02 | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251238 | N/A | No | No | $5,058.46 | $5,058.46 | 6.625% | No | No | US Citizen | 2 | $3,093.60 | $2,520.00 | $257.80 | $210.00 | 0.000% | 0.000% | 0.000% | 12/12/2024 | 760 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.28 | 0.44 | 04/01/2055 | No | Yes | Final | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 137.05 | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251078 | N/A | No | No | $3,626.04 | $3,626.04 | 7.375% | No | No | US Citizen | 1 | $15,011.04 | $2,169.96 | $1,250.92 | $180.83 | 0.000% | 0.000% | 0.000% | 01/17/2025 | 781 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 1.0 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.91 | 1.1 | 04/01/2055 | $428,818.52 | 57.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 36.08 | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251373 | Safe Harbor QM (APOR) | Yes | No | $10,119.00 | $11,496.36 | 7.516% | $2,941.54 | $2,941.54 | 7.250% | No | No | Self-Employed | Non-Permanent Resident Alien | Ecuador | $5,243.42 | 1 | $9,089.16 | $1,598.04 | $757.43 | $133.17 | 44.856% | 44.856% | 44.856% | 02/01/2025 | 707 | No | Yes | 24 | Personal, Business | 100.000% | 100.000% | [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $10,119.00 | 6.880% | $75,000.00 | 1.0 | None | N/A | No | 7.250% | 0 | 0 | 0 | 2 | 0 | 12 | 12 | 0.00 | No | Not Stated | 04/01/2055 | $61,082.18 | 11.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 13.45 | No | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251031 | Safe Harbor QM (APOR) | Yes | No | $6,565.00 | $7,369.52 | 6.951% | $2,270.09 | $2,270.09 | 6.750% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $17,465.11 | 1 | $22,317.00 | $14,208.72 | $1,859.75 | $1,184.06 | 32.625% | 32.625% | 32.625% | 02/20/2025 | 732 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2022 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $6,565.00 | 6.850% | $0.00 | 1.1 | None | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | Not Stated | 04/01/2055 | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 84.7 | No | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251380 | Non QM | Yes | No | $25,628.20 | $11,400.58 | 7.271% | $5,255.00 | $5,255.00 | 7.125% | No | No | Self-Employed | Non-Employment Income | US Citizen | US Citizen | $8,440.89 | 1 | $7,205.88 | $1,650.96 | $600.49 | $137.58 | 42.355% | 42.355% | 42.355% | 711 | No | Yes | 12 | Business | 38.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - Social Security]; Account Statements - 2025 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Borrower - | Non-Primary Income - Social Security]; 1099-SSA - 2024 [Borrower - | Non-Primary Income - Social Security]; 1099-SSA - 2023 [Coborrower(s) - | Non-Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Non-Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Non-Primary Income - Wages]; WVOE - 2025 [Coborrower(s) - | Non-Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Housing Allowance]; Other - 2025 [Coborrower(s) - | Primary Income - Housing Allowance]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Housing Allowance]; WVOE - 2025 [Coborrower(s) - | Primary Income - Housing Allowance]; W-2 - 2024 [Coborrower(s) - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Coborrower(s) - | Non-Primary Income - Social Security]; 1099-SSA - 2024 [Coborrower(s) - | Non-Primary Income - Social Security]; Account Statements - 2024 [Coborrower(s) - | Non-Primary Income - Social Security]; 1099-SSA - 2023 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $25,628.20 | 6.850% | $0.00 | 2.7 | None | N/A | No | 7.125% | 0 | 1 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | 04/01/2055 | $219,558.32 | No | 26 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 143.21 | No | [Redacted] | $6,291.00 | $1,295.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251105 | N/A | No | No | $2,085.42 | $2,085.42 | 6.875% | No | No | Permanent Resident Alien | 1 | $7,048.68 | $1,090.68 | $587.39 | $90.89 | 0.000% | 0.000% | 0.000% | 02/18/2025 | 763 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 2.1 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.07 | 0.94 | 240 | 04/01/2055 | $24,884.26 | No | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | No | 134.4 | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251324 | N/A | No | No | $1,845.93 | $1,845.93 | 7.625% | No | No | Non-Permanent Resident Alien | 1 | $3,048.60 | $2,344.20 | $254.05 | $195.35 | 0.000% | 0.000% | 0.000% | 03/10/2025 | 798 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 1.3 | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | 04/01/2055 | $122,228.12 | 37.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Employment Authorization | 21.53 | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251225 | N/A | No | No | $3,516.25 | $3,516.25 | 7.250% | No | No | 0 | US Citizen | US Citizen | 1 | $5,261.88 | $2,508.36 | $438.49 | $209.03 | 0.000% | 0.000% | 0.000% | 02/10/2025 | 707 | Level 3-Stated/Partially Verified | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 5.0 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.64 | 0.61 | 240 | 04/01/2055 | $315,887.58 | 41.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 24.31 | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251055 | Safe Harbor QM (APOR) | Yes | No | $20,491.50 | $21,457.03 | 7.859% | $6,724.04 | $6,724.04 | 7.625% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $9,032.55 | 1 | $17,818.56 | $1,584.00 | $1,484.88 | $132.00 | 48.692% | 48.692% | 48.692% | 790 | No | Yes | 24 | Business | 65.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2022 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | Arc | $20,491.50 | 6.730% | $0.00 | 2.8 | None | N/A | No | 7.625% | 0 | 3 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | Not Stated | 04/01/2055 | $66,920.00 | 5.000% | No | 23 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 19.28 | Yes | No | [Redacted] | $0.00 | $6,237.69 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251337 | Non QM | Yes | No | $18,973.92 | $19,939.62 | 8.414% | $3,820.50 | $3,820.50 | 8.000% | No | No | Self-Employed | US Citizen | $20,285.10 | 1 | $16,121.04 | $977.04 | $1,343.42 | $81.42 | 37.361% | 37.361% | 37.361% | 03/24/2025 | 709 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; Account Statements - Business - 2025 [Borrower - | Primary Income - P&L Statement Only]; Account Statements - Business - 2025 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | Arc | $18,973.92 | 6.730% | $20,000.00 | 2.5 | None | N/A | No | 8.000% | 0 | 0 | 0 | 2 | 0 | 12.00 | No | 04/01/2055 | $20,247.64 | 3.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 10.51 | No | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250825 | Non QM | Yes | No | $3,599.36 | $7,081.33 | 7.515% | $3,469.95 | $3,469.95 | 7.375% | No | No | Self-Employed | US Citizen | $15,705.63 | 1 | $9,928.92 | $1,263.00 | $827.41 | $105.25 | 33.988% | 33.988% | 33.988% | 01/27/2025 | 753 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Guaranteed Rate | $3,599.36 | 6.870% | $0.00 | 1.0 | None | N/A | No | 7.375% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 03/01/2055 | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 207.79 | Retail | Yes | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250819 | Non QM | Yes | No | $1,640.00 | $1,814.27 | 6.901% | $5,298.13 | $5,298.13 | 6.875% | No | No | Employed | US Citizen | $7,729.58 | 1 | $13,559.88 | $1,284.96 | $1,129.99 | $107.08 | 48.407% | 48.407% | 48.407% | 01/17/2025 | 704 | No | No | [Borrower - | Primary Income - Wages]; Other - 2025 [Borrower - | Primary Income - Wages]; Other - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2022 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | Guaranteed Rate | $1,640.00 | 6.850% | $0.00 | 1.0 | None | N/A | No | 6.875% | 3 | 0 | 0 | 4 | 0 | 0.00 | No | 03/01/2055 | $652,475.53 | No | 25 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 51.21 | Retail | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251018 | Non QM | Yes | No | $4,657.36 | $0.00 | 6.752% | $3,713.04 | $3,713.04 | 6.750% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $7,542.08 | 1 | $7,155.96 | $668.04 | $596.33 | $55.67 | 38.433% | 38.433% | 38.433% | 807 | No | Yes | 12 | Personal | 51.000% | 100.000% | [Borrower - | Primary Income - Sole Proprietor]; Other - 2025 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2024 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Coborrower(s) - | Non-Primary Income - Sole Proprietor]; Other - 2025 [Coborrower(s) - | Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025 [Coborrower(s) - | Non-Primary Income - Sole Proprietor]; 1099 - 2024 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $4,657.36 | 6.850% | $28,917.48 | 1.1 | None | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | No | 03/01/2055 | $183,161.82 | 26.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 8.8 | Retail | Yes | No | [Redacted] | $9,182.38 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250834 | Non QM | Yes | No | $5,570.00 | $5,804.08 | 7.444% | $1,286.80 | $1,286.80 | 7.125% | No | No | Employed | US Citizen | $6,013.01 | 1 | $5,885.76 | $2,887.20 | $490.48 | $240.60 | 47.617% | 47.617% | 47.617% | 01/25/2025 | 668 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | Arc | $5,570.00 | 6.730% | $0.00 | 2.6 | None | N/A | No | 7.125% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | 03/01/2055 | $172,530.12 | 42.000% | No | 25 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 85.5 | Retail | Yes | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251083 | Non QM | Yes | No | $2,220.00 | $3,677.45 | 7.876% | $976.76 | $976.76 | 7.625% | No | No | Self-Employed | US Citizen | $23,855.55 | 1 | $3,390.96 | $998.16 | $282.58 | $83.18 | 10.217% | 10.217% | 10.217% | 02/12/2025 | 707 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2024 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | Arc | $2,220.00 | 6.730% | $0.00 | 1.0 | None | N/A | No | 7.625% | 0 | 0 | 0 | 2 | 0 | 24 | 0.00 | No | 04/01/2055 | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 59.39 | Retail | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251059 | Non QM | Yes | No | $1,908.00 | $4,127.59 | 7.316% | $2,728.71 | $2,728.71 | 7.250% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $4,702.19 | 1 | $3,987.84 | $3,552.84 | $332.32 | $296.07 | 48.312% | 48.312% | 48.312% | 02/16/2025 | 746 | No | Yes | 12 | Personal | 78.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - Wages]; Other - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $1,908.00 | 6.730% | $0.00 | 1.8 | None | N/A | No | 7.250% | 0 | 1 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 04/01/2055 | $570,179.08 | 65.000% | No | 4 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 29.65 | Retail | No | [Redacted] | $0.00 | $1,962.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251037 | Non QM | Yes | No | $15,232.50 | $18,156.75 | 7.902% | $4,352.93 | $4,352.93 | 7.625% | No | No | Self-Employed | US Citizen | $104,038.57 | 1 | $20,614.80 | $2,312.04 | $1,717.90 | $192.67 | 6.032% | 6.032% | 6.032% | 02/27/2025 | 666 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Cross Country | $15,232.50 | 6.850% | $0.00 | 1.5 | None | N/A | No | 7.625% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 04/01/2055 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 53.38 | Retail | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250958 | Non QM | Yes | No | $2,080.25 | $6,001.62 | 7.324% | $3,274.45 | $3,274.45 | 7.250% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $22,542.89 | 1 | $10,408.08 | $0.00 | $867.34 | $0.00 | 39.454% | 39.454% | 39.454% | 02/17/2025 | 706 | No | No | [Borrower - | Primary Income - Sole Proprietor]; Business License - 2025 [Borrower - | Primary Income - Sole Proprietor]; Other - 2025 [Borrower - | Primary Income - Sole Proprietor]; Other - 2025 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Alternative Documentation (A) | 1yr 1099 | 0 | 0 | 0 | Arc | $2,080.25 | 6.880% | $2,568.00 | 1.0 | None | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 3 | 0 | No | 04/01/2055 | $383,776.31 | 64.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 46.24 | Yes | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251082 | Non QM | Yes | No | $13,863.75 | $16,072.87 | 7.349% | $2,827.54 | $2,827.54 | 7.000% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $12,767.64 | 1 | $1,271.76 | $2,462.04 | $105.98 | $205.17 | 34.895% | 34.895% | 34.895% | 775 | No | Yes | 12 | Business | 100.000% | 94.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 94.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 94.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 94.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 94.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 94.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | First Colony Mortgage Corporation | $13,863.75 | 6.730% | $0.00 | 2.5 | None | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | 04/01/2055 | $221,613.90 | 39.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 16.22 | Retail | Yes | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251100 | Non QM | Yes | No | $2,934.83 | $2,917.31 | 6.977% | $1,379.09 | $1,379.09 | 6.875% | No | No | Self-Employed | US Citizen | $44,786.67 | 1 | $1,724.64 | $549.00 | $143.72 | $45.75 | 21.451% | 21.451% | 21.451% | 02/24/2025 | 716 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2022 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $2,934.83 | 6.730% | $10,000.00 | 1.0 | None | N/A | No | 6.875% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 04/01/2055 | $182,156.04 | 61.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 51.58 | Retail | No | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251010 | Non QM | Yes | No | $5,171.07 | $7,328.22 | 7.491% | $3,514.16 | $3,514.16 | 7.375% | No | No | Self-Employed | US Citizen | $13,313.57 | 1 | $5,086.68 | $687.12 | $423.89 | $57.26 | 39.109% | 39.109% | 39.109% | 01/09/2025 | 778 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Guaranteed Rate | $5,171.07 | 6.880% | $0.00 | 3.3 | None | N/A | No | 7.375% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 04/01/2055 | $36,726.82 | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 20.52 | Retail | No | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251084 | Non QM | Yes | No | $1,876.50 | $5,713.05 | 7.424% | $1,165.53 | $1,165.53 | 7.125% | No | No | Non-Employment Income | US Citizen | $2,937.28 | 1 | $1,478.40 | $963.00 | $123.20 | $80.25 | 32.027% | 32.027% | 32.027% | 02/04/2025 | 766 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Other - 2025 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | Arc | $1,876.50 | 6.880% | $0.00 | 1.0 | None | N/A | No | 7.125% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | 60 | 04/01/2055 | $468,238.06 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 213.11 | Retail | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251102 | Non QM | Yes | No | $10,940.00 | $13,905.03 | 7.163% | $4,989.77 | $4,989.77 | 7.000% | No | No | Self-Employed | US Citizen | $16,401.52 | 1 | $9,274.80 | $4,224.96 | $772.90 | $352.08 | 34.060% | 34.060% | 34.060% | 11/20/2024 | 696 | No | Yes | 12 | Personal | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | First Colony Mortgage Corporation | $10,940.00 | 6.620% | $0.00 | 3.6 | None | N/A | No | 7.000% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 04/01/2055 | $0.00 | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 33.03 | Broker | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251043 | Non QM | Yes | No | $1,695.00 | $5,627.48 | 7.026% | $7,796.51 | $7,796.51 | 7.000% | No | No | Non-Employment Income | Employed | US Citizen | US Citizen | $13,086.04 | 1 | $6,574.44 | $2,010.00 | $547.87 | $167.50 | 47.524% | 47.524% | 47.524% | 02/12/2025 | 768 | No | No | [Borrower - | Primary Income - Pension]; 1099-R - 2024 [Borrower - | Primary Income - Pension]; Award Letter / Continuance Letter - 2024 [Borrower - | Primary Income - Pension]; 1099-R - 2023 [Coborrower(s) - | Primary Income - Wages]; Other - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; Year End Summary - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | New American Funding | $1,695.00 | 6.850% | $0.00 | 2.7 | None | N/A | No | 7.000% | 0 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | 04/01/2055 | $1,282,700.80 | 82.000% | Yes | 25 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 111.6 | Retail | Yes | No | [Redacted] | $0.00 | $9,215.95 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251003 | N/A | No | No | $1,237.20 | $1,237.20 | 6.750% | No | No | US Citizen | 1 | $5,630.04 | $2,305.44 | $469.17 | $192.12 | 0.000% | 0.000% | 0.000% | 02/10/2025 | 707 | No | No | DSCR | 1 | 0 | 0 | No | ARCHome | $0.00 | 4.1 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.98 | 1.02 | 03/01/2055 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 54.9 | Retail | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251089 | N/A | No | No | $1,536.08 | $1,536.08 | 7.125% | No | No | US Citizen | US Citizen | 1 | $1,268.04 | $846.96 | $105.67 | $70.58 | 0.000% | 0.000% | 0.000% | 02/10/2025 | 762 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 2.1 | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | 04/01/2055 | $137,464.39 | 48.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 38.16 | Retail | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251027 | N/A | No | No | $1,359.51 | $1,359.51 | 7.875% | No | No | US Citizen | 1 | $2,589.12 | $1,079.04 | $215.76 | $89.92 | 0.000% | 0.000% | 0.000% | 01/23/2025 | 782 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 4.2 | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.26 | 0.79 | 04/01/2055 | $135,727.03 | 54.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 38.2 | Retail | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251057 | N/A | No | No | $2,799.32 | $2,799.32 | 7.625% | No | No | US Citizen | US Citizen | 1 | $2,092.20 | $2,502.96 | $174.35 | $208.58 | 0.000% | 0.000% | 0.000% | 01/29/2025 | 767 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 2.6 | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.79 | 1.27 | 04/01/2055 | $238,497.38 | 42.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 18.32 | Retail | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251336 | Non QM | Yes | No | $40,383.43 | $0.00 | 7.111% | $6,284.45 | $6,284.45 | 7.125% | No | No | Self-Employed | US Citizen | $15,226.22 | 1 | $19,406.40 | $3,275.04 | $1,617.20 | $272.92 | 38.197% | 38.197% | 38.197% | 02/05/2025 | 765 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $40,383.43 | 6.620% | $63,773.41 | 1.0 | None | N/A | No | 7.125% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | 04/01/2055 | $116,965.29 | 10.000% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 10.25 | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251090 | Non QM | Yes | No | $6,801.78 | $4,010.11 | 7.438% | $1,395.05 | $1,395.05 | 7.250% | No | No | Self-Employed | US Citizen | $2,013.70 | 1 | $1,480.56 | $1,413.00 | $123.38 | $117.75 | 48.721% | 48.721% | 48.721% | 02/24/2025 | 660 | No | No | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2025 [Borrower - | Primary Income - Sole Proprietor]; Other - 2025 [Borrower - | Primary Income - Sole Proprietor]; Other - 2025 [Borrower - | Primary Income - Sole Proprietor]; Other - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2024 [Borrower - | Primary Income - Sole Proprietor]; W-2 Transcript - No Results Returned - 2024 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2023 [Borrower - | Primary Income - Sole Proprietor]; W-2 Transcript - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr 1099 | 0 | 0 | 0 | Arc | $6,801.78 | 6.730% | $0.00 | 2.4 | None | N/A | No | 7.250% | 1 | 0 | 0 | 3 | 0 | No | 04/01/2055 | $419,876.90 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 159.53 | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251370 | Higher Priced QM (APOR) | Yes | No | $17,369.32 | $4,018.32 | 8.320% | $4,627.80 | $4,627.80 | 8.250% | No | No | Self-Employed | US Citizen | $28,181.92 | 1 | $6,573.48 | $1,776.96 | $547.79 | $148.08 | 26.148% | 26.148% | 26.148% | 01/29/2025 | 697 | No | Yes | 12 | Business | 100.000% | 51.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2023 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $17,369.32 | 6.730% | $0.00 | 3.0 | None | N/A | No | 8.250% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | No | 04/01/2055 | $28,510.00 | 4.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 11.72 | Yes | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251392 | Non QM | Yes | No | $11,015.20 | $4,436.14 | 8.051% | $1,957.69 | $1,957.69 | 7.875% | No | No | Self-Employed | US Citizen | $11,978.77 | 1 | $8,765.76 | $4,154.64 | $730.48 | $346.22 | 31.258% | 31.258% | 31.258% | 01/24/2025 | 746 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2024 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $11,015.20 | 6.930% | $0.00 | 1.0 | None | N/A | No | 7.875% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | 04/01/2055 | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 5.63 | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251398 | Non QM | Yes | No | $37,688.01 | $39,658.71 | 8.399% | $7,918.05 | $7,918.05 | 8.000% | No | No | Self-Employed | US Citizen | $19,251.02 | 1 | $15,810.12 | $12,120.00 | $1,317.51 | $1,010.00 | 42.715% | 42.715% | 42.715% | 01/20/2025 | 723 | No | Yes | 12 | Business | 100.000% | 51.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $37,688.01 | 6.650% | $0.00 | 2.6 | None | N/A | No | 8.000% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | 04/01/2055 | $101,962.93 | 9.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 18.07 | No | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251252 | Non QM | Yes | No | $6,236.72 | $4,936.45 | 7.696% | $1,370.46 | $1,370.46 | 7.500% | No | No | Employed | US Citizen | $2,417.43 | 1 | $2,012.64 | $611.04 | $167.72 | $50.92 | 42.559% | 42.559% | 42.559% | 03/04/2025 | 815 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | ArcHome | $6,236.72 | 6.730% | $10,000.00 | 2.6 | None | N/A | No | 7.500% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | 05/01/2055 | $94,306.47 | 38.000% | No | 27 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 19.93 | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251098 | Non QM | Yes | No | $14,710.53 | $7,455.37 | 7.507% | $2,770.99 | $2,770.99 | 7.375% | No | No | Self-Employed | US Citizen | $13,147.99 | 1 | $9,375.72 | $2,412.00 | $781.31 | $201.00 | 36.862% | 36.862% | 36.862% | 03/05/2025 | 721 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $14,710.53 | 6.730% | $20,000.00 | 1.0 | None | N/A | No | 7.375% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | 05/01/2055 | $84,829.76 | 18.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 6.95 | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251343 | Non QM | Yes | No | $18,446.48 | $166.99 | 6.578% | $3,857.22 | $3,857.22 | 6.625% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $28,826.45 | 1 | $6,287.40 | $1,079.04 | $523.95 | $89.92 | 15.967% | 15.967% | 15.967% | 02/19/2025 | 755 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2022 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $18,446.48 | 6.650% | $25,460.50 | 2.5 | None | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | 05/01/2055 | $233,675.14 | 31.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 18.13 | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251086 | Non QM | Yes | No | $37,895.00 | $37,029.16 | 7.223% | $21,612.50 | $28,494.64 | 7.125% | No | No | Self-Employed | US Citizen | $115,205.69 | 1 | $30,783.84 | $1,870.20 | $2,565.32 | $155.85 | 22.312% | 17.671% | 22.312% | 01/03/2025 | 741 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $37,895.00 | 6.730% | $0.00 | 1.6 | None | N/A | No | 7.125% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | 240 | 04/01/2055 | $544,936.25 | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 18.44 | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251015 | Non QM | Yes | No | $76,245.00 | $75,110.96 | 7.981% | $19,310.42 | $21,420.73 | 7.750% | No | No | Self-Employed | US Citizen | $319,524.39 | 1 | $49,746.36 | $30,874.08 | $4,145.53 | $2,572.84 | 17.572% | 17.027% | 17.572% | 02/17/2025 | 764 | No | Yes | 12 | Business | 100.000% | 96.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 96.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 96.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 96.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 96.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 96.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $76,245.00 | 6.850% | $0.00 | 2.6 | None | N/A | No | 7.750% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | 360 | 04/01/2065 | $2,103,187.57 | 46.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 43.07 | Yes | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251405 | N/A | No | No | $1,521.09 | $1,521.09 | 7.375% | No | No | US Citizen | US Citizen | 1 | $4,542.48 | $884.04 | $378.54 | $73.67 | 0.000% | 0.000% | 0.000% | 02/12/2025 | 763 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 2.1 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | 240 | 04/01/2055 | $124,375.09 | 38.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 19.82 | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251393 | N/A | No | No | $5,583.03 | $5,583.03 | 7.875% | No | No | US Citizen | 1 | $11,002.20 | $1,322.04 | $916.85 | $110.17 | 0.000% | 0.000% | 0.000% | 02/26/2025 | 722 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 1.9 | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.12 | 0.9 | 05/01/2055 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 25.17 | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251241 | N/A | No | No | $1,683.51 | $1,683.51 | 7.250% | No | No | US Citizen | 1 | $6,097.32 | $1,179.96 | $508.11 | $98.33 | 0.000% | 0.000% | 0.000% | 02/20/2025 | 770 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 1.0 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | 05/01/2055 | $295,737.34 | 59.000% | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 8.64 | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251356 | Non QM | Yes | No | $9,995.00 | $12,423.11 | 7.191% | $2,233.56 | $2,233.56 | 6.875% | No | No | Self-Employed | US Citizen | $5,486.93 | 1 | $6,881.76 | $4,464.96 | $573.48 | $372.08 | 47.246% | 47.246% | 47.246% | 02/26/2025 | 766 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $9,995.00 | 6.730% | $0.00 | 3.1 | None | N/A | No | 6.875% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | 05/01/2055 | $45,494.45 | 11.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 10.58 | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251417 | Safe Harbor QM (APOR) | Yes | No | $13,095.00 | $16,673.62 | 7.243% | $3,858.75 | $3,858.75 | 7.000% | No | No | Self-Employed | US Citizen | $8,167.03 | 1 | $6,596.28 | $1,833.96 | $549.69 | $152.83 | 41.127% | 41.127% | 41.127% | 03/03/2025 | 717 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $13,095.00 | 6.620% | $0.00 | 2.7 | None | N/A | No | 7.000% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | No | 05/01/2055 | $202,636.44 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 19.13 | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251406 | N/A | No | No | $3,681.25 | $3,681.25 | 7.125% | No | No | US Citizen | 1 | $12,245.64 | $1,137.00 | $1,020.47 | $94.75 | 0.000% | 0.000% | 0.000% | 12/26/2024 | 764 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 1.4 | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | 240 | 05/01/2055 | $266,611.73 | 34.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 19.58 | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251372 | Higher Priced QM (APOR) | Yes | No | $5,485.00 | $3,117.38 | 8.272% | $1,692.89 | $1,692.89 | 8.125% | No | No | Self-Employed | US Citizen | $4,801.61 | 1 | $1,279.44 | $2,345.04 | $106.62 | $195.42 | 38.481% | 38.481% | 38.481% | 02/03/2025 | 754 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; Audited P&L - 2025 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2025 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2025 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2023 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | Arc | $5,485.00 | 6.730% | $0.00 | 1.0 | None | N/A | No | 8.125% | 0 | 0 | 0 | 2 | 0 | 13.00 | No | Not Stated | 05/01/2055 | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 11.04 | No | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251310 | Safe Harbor QM (APOR) | Yes | No | $3,458.22 | $5,311.54 | 7.405% | $1,809.81 | $1,809.81 | 7.250% | No | No | Self-Employed | US Citizen | $33,000.73 | 1 | $6,502.80 | $2,004.00 | $541.90 | $167.00 | 15.325% | 15.325% | 15.325% | 02/04/2025 | 672 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $3,458.22 | 6.870% | $0.00 | 1.0 | None | N/A | No | 7.250% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | Not Stated | 05/01/2055 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 101.24 | No | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250822 | Non QM | Yes | No | $37,438.60 | $63,800.01 | 7.620% | $17,128.74 | $17,128.74 | 7.375% | No | No | Self-Employed | US Citizen | $39,609.54 | 1 | $30,999.96 | $5,618.52 | $2,583.33 | $468.21 | 45.085% | 45.085% | 45.085% | 12/17/2024 | 720 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; Account Statements - Business - 2025 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2025 [Borrower - | Primary Income - P&L Statement Only]; Borrower-prepared P&L - 2024 [Borrower - | Non-Primary Income - P&L Statement Only]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Non-Primary Income - P&L Statement Only]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - P&L Statement Only]; Borrower-prepared P&L - 2024 [Borrower - | Non-Primary Income - P&L Statement Only]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Non-Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Non-Primary Income - P&L Statement Only]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - P&L Statement Only]; Borrower-prepared P&L - 2024 |
[Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | Arc | $37,438.60 | 6.870% | $0.00 | 5.0 | None | N/A | No | 7.375% | 0 | 0 | 0 | 1 | 0 | 12.00 | No | 03/01/2055 | $1,655,636.44 | 53.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 49.74 | Retail | No | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250996 | Non QM | Yes | No | $4,350.08 | $7,602.64 | 7.719% | $1,398.62 | $1,398.62 | 7.375% | No | No | Self-Employed | US Citizen | $8,174.54 | 1 | $2,883.60 | $1,281.00 | $240.30 | $106.75 | 34.735% | 34.735% | 34.735% | 02/11/2025 | 762 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Cross Country | $4,350.08 | 6.880% | $0.00 | 1.0 | None | N/A | No | 7.375% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | 04/01/2055 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 71.23 | Retail | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250999 | Non QM | Yes | No | $3,784.76 | $5,899.51 | 8.039% | $2,124.45 | $2,124.45 | 7.875% | No | No | Employed | US Citizen | $2,841.13 | 1 | $8,217.24 | $3,470.04 | $684.77 | $289.17 | 52.990% | 52.990% | 52.990% | 02/04/2025 | 734 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Borrower - | Primary Income - Wages]; W-2 - 2022 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2022 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - No Results Returned - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; Transcripts (1040) - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | Guaranteed Rate | $3,784.76 | 6.880% | $0.00 | 1.0 | None | N/A | No | 7.875% | 3 | 0 | 0 | 5 | 2 | 0.00 | No | 04/01/2055 | $147,045.90 | No | 25 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 45.92 | Retail | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251066 | Non QM | Yes | No | $7,498.19 | $5,560.80 | 8.503% | $2,656.22 | $2,656.22 | 8.375% | No | No | Self-Employed | Non-Employment Income | US Citizen | US Citizen | $5,020.37 | 1 | $4,853.76 | $2,697.96 | $404.48 | $224.83 | 44.855% | 44.855% | 44.855% | 770 | No | Yes | 12 | Business | 85.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 [Coborrower(s) - | Primary Income - Social Security]; Account Statements - 2025 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Coborrower(s) - | Primary Income - Social Security]; 1099-SSA - 2024 [Coborrower(s) - | Primary Income - Social Security]; 1099-SSA - 2023 [Coborrower(s) - | Non-Primary Income - Pension]; Account Statements - 2025 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $7,498.19 | 6.730% | $51,649.00 | 2.1 | None | N/A | No | 8.375% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | 04/01/2055 | $6,394.03 | 2.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 6.32 | Retail | No | No | [Redacted] | $1,389.83 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251045 | Non QM | Yes | No | $1,640.00 | $5,903.95 | 7.897% | $7,975.76 | $7,975.76 | 7.875% | No | No | Self-Employed | US Citizen | $14,372.25 | 1 | $27,249.96 | $2,589.96 | $2,270.83 | $215.83 | 42.128% | 42.128% | 42.128% | 02/27/2025 | 664 | No | No | [Borrower - | Primary Income - Sole Proprietor]; Account Statements - Business - 2025 [Borrower - | Primary Income - Sole Proprietor]; Account Statements - Business - 2025 [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2025 [Borrower - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Borrower - | Primary Income - Sole Proprietor]; W-2 - 2024 |
[Borrower]; 1040 - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | Guaranteed Rate | $1,640.00 | 6.850% | $0.00 | 2.7 | None | N/A | No | 7.875% | 1 | 1 | 0 | 3 | 1 | No | 04/01/2055 | $13,750.00 | 1.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 11.89 | Retail | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250814 | Non QM | Yes | No | $1,450.00 | $7,897.56 | 7.023% | $9,916.67 | $13,180.08 | 7.000% | No | No | Self-Employed | US Citizen | $37,956.94 | 1 | $9,824.28 | $2,076.00 | $818.69 | $173.00 | 43.136% | 38.247% | 43.136% | 02/03/2025 | 805 | No | Yes | 12 | Business | 100.000% | 33.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 33.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 33.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 33.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 33.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 33.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 33.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $1,450.00 | 6.870% | $0.00 | 1.0 | None | N/A | No | 7.000% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 240 | 04/01/2055 | $4,721,261.73 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 179.57 | Retail | Yes | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251092 | Non QM | Yes | No | $6,485.00 | $0.00 | 7.358% | $14,918.58 | $14,918.58 | 7.375% | No | No | Self-Employed | US Citizen | $48,374.06 | 1 | $33,750.00 | $1,580.04 | $2,812.50 | $131.67 | 35.876% | 35.876% | 35.876% | 02/18/2025 | 815 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Expense Letter - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Expense Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $6,485.00 | 6.730% | ($35,000.00) | 4.8 | None | N/A | No | 7.375% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | Yes | 04/01/2055 | $753,914.31 | 28.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 23.08 | Retail | Yes | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251035 | Non QM | Yes | No | $1,695.00 | $7,196.93 | 6.898% | $7,226.22 | $7,226.22 | 6.875% | No | No | Employed | US Citizen | $62,074.43 | 1 | $12,599.16 | $2,757.96 | $1,049.93 | $229.83 | 34.973% | 34.973% | 34.973% | 03/06/2025 | 809 | No | No | [Borrower - | Primary Income - Wages]; Employer Letter - 2025 [Borrower - | Primary Income - Wages]; Other - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Business License - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Other - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Other - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2022 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2022 |
[Borrower]; Transcripts (1040) - No Results Returned - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1040 - 2022 [Borrower]; 4506-C - 2022 [Borrower]; Transcripts (1040) - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | Arc | $1,695.00 | 6.620% | $0.00 | 3.7 | None | N/A | No | 6.875% | 2 | 2 | 0 | 2 | 2 | 0.00 | No | 04/01/2055 | $1,281,282.51 | 90.000% | No | 26 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 112.99 | Retail | Yes | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251014 | Non QM | Yes | No | $1,084.45 | $1,938.45 | 8.281% | $2,704.56 | $2,704.56 | 8.250% | No | No | Self-Employed | US Citizen | $14,527.15 | 1 | $1,649.16 | $4,742.40 | $137.43 | $395.20 | 42.696% | 42.696% | 42.696% | 02/27/2025 | 770 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $1,084.45 | 6.730% | $0.00 | 1.8 | None | N/A | No | 8.250% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | 04/01/2055 | No | Yes | Short Form | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 118.23 | Retail | No | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251079 | Non QM | Yes | No | $1,495.00 | $8,996.58 | 7.704% | $9,183.33 | $12,782.30 | 8.072% | No | No | Employed | US Citizen | $16,798.27 | 1 | $19,238.52 | $2,519.04 | $1,603.21 | $209.92 | 52.358% | 42.151% | 52.358% | 12/19/2024 | 777 | No | No | [Borrower - | Primary Income - Wages]; Other - 2025 [Borrower - | Primary Income - Wages]; Other - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; Vesting Schedule - 2025 [Borrower - | Primary Income - Wages]; Employer Letter - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 - 2022 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | Arc | $1,495.00 | 6.690% | $10,500.00 | 1.0 | None | N/A | No | 8.072% | 3 | 0 | 0 | 2 | 0 | 0.00 | No | 240 | 04/01/2055 | $546,771.38 | 29.000% | No | 24 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 11.04 | Retail | No | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251051 | Non QM | Yes | No | $1,695.00 | $5,405.71 | 7.034% | $7,185.27 | $7,185.27 | 7.000% | No | No | Employed | Employed | US Citizen | US Citizen | $14,142.47 | 1 | $15,440.40 | $2,181.96 | $1,286.70 | $181.83 | 41.578% | 41.578% | 41.578% | 03/19/2025 | 781 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | New American Funding | $1,695.00 | 6.730% | $0.00 | 1.3 | None | N/A | No | 7.000% | 1 | 2 | 0 | 0 | 2 | 2 | 0.00 | No | 04/01/2055 | $166,663.50 | 12.000% | No | 25 | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 12.52 | Retail | No | [Redacted] | $0.00 | $6,948.93 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251063 | Non QM | Yes | No | $7,450.00 | $9,234.45 | 7.192% | $8,084.62 | $8,084.62 | 7.125% | No | No | Self-Employed | US Citizen | $15,514.31 | 1 | $14,008.44 | $4,726.32 | $1,167.37 | $393.86 | 38.541% | 38.541% | 38.541% | 02/22/2025 | 733 | No | Yes | 12 | Personal | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $7,450.00 | 6.730% | $0.00 | 4.8 | None | N/A | No | 7.125% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 04/01/2055 | $495,300.59 | 33.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 18.8 | Retail | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251048 | Non QM | Yes | No | $6,386.91 | $6,908.68 | 8.004% | $1,988.76 | $1,988.76 | 7.750% | No | No | Self-Employed | US Citizen | $9,808.02 | 1 | $2,374.08 | $2,397.72 | $197.84 | $199.81 | 23.216% | 23.216% | 23.216% | 02/13/2025 | 669 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | First Colony Mortgage Corporation | $6,386.91 | 6.850% | $0.00 | 1.3 | None | No | No | 7.750% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 04/01/2055 | $91,261.83 | 26.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 7.61 | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251028 | Non QM | Yes | No | $1,638.00 | $2,699.62 | 7.046% | $3,353.07 | $3,353.07 | 7.000% | No | No | Self-Employed | Non-Employment Income | US Citizen | US Citizen | $7,772.01 | 1 | $3,150.00 | $1,514.04 | $262.50 | $126.17 | 41.768% | 41.768% | 41.768% | 01/23/2025 | 665 | No | Yes | 12 | Business | 51.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2004 [Borrower - | Non-Primary Income - Social Security]; Account Statements - 2025 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2024 [Coborrower(s) - | Primary Income - Pension]; Award Letter / Continuance Letter - 2025 [Coborrower(s) - | Primary Income - Pension]; Account Statements - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2022 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $1,638.00 | 6.660% | $5,223.75 | 1.0 | None | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 04/01/2055 | $176,611.82 | 28.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 12.57 | Retail | Yes | No | [Redacted] | $4,943.38 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250841 | Non QM | Yes | No | $14,563.20 | $16,325.19 | 7.454% | $2,395.09 | $2,395.09 | 7.000% | No | No | Self-Employed | US Citizen | $41,106.69 | 1 | $2,286.12 | $5,004.72 | $190.51 | $417.06 | 15.610% | 15.610% | 15.610% | 12/12/2024 | 736 | No | Yes | 24 | Business | 100.000% | 30.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 30.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 30.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 30.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 30.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 30.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 30.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2015 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 30.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 30.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 30.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 30.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 30.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2024 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 30.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2015 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $14,563.20 | 6.870% | $0.00 | 3.1 | None | N/A | No | 7.000% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | 04/01/2055 | $1,451.90 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 39.87 | Retail | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251025 | N/A | No | No | $1,795.32 | $1,795.32 | 6.750% | No | No | 0 | Permanent Resident Alien | US Citizen | 1 | $2,172.72 | $1,196.04 | $181.06 | $99.67 | 0.000% | 0.000% | 0.000% | 03/04/2025 | 794 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | First Colony Mortgage | $0.00 | 1.0 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.08 | 0.92 | 04/01/2055 | $3,500.00 | 1.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 103.04 | Broker | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251040 | N/A | No | No | $1,538.38 | $1,538.38 | 6.750% | No | No | US Citizen | 1 | $5,505.24 | $656.04 | $458.77 | $54.67 | 0.000% | 0.000% | 0.000% | 02/03/2025 | 803 | No | No | DSCR | 0 | 0 | 0 | No | First Colony Mortgage | $0.00 | 1.0 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.51 | 0.66 | 04/01/2055 | $239,336.09 | 66.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 46.85 | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251039 | N/A | No | No | $2,542.49 | $2,542.49 | 8.000% | No | No | US Citizen | 1 | $10,298.76 | $2,256.00 | $858.23 | $188.00 | 0.000% | 0.000% | 0.000% | 03/02/2025 | 714 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 1.1 | N/A | No | 8.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.75 | 1.33 | 04/01/2055 | $236,288.46 | 48.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 46.07 | Retail | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251064 | N/A | No | No | $2,378.19 | $2,378.19 | 7.625% | No | No | US Citizen | 1 | $4,573.08 | $1,542.96 | $381.09 | $128.58 | 0.000% | 0.000% | 0.000% | 01/30/2025 | 729 | No | No | DSCR | 0 | 0 | 0 | No | Guaranteed Rate | $0.00 | 2.8 | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.31 | 0.76 | 04/01/2055 | $237,549.31 | 49.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 23.1 | Retail | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251091 | N/A | No | No | $2,045.20 | $2,045.20 | 7.500% | No | No | US Citizen | 1 | $15,610.32 | $4,440.00 | $1,300.86 | $370.00 | 0.000% | 0.000% | 0.000% | 02/21/2025 | 808 | No | No | DSCR | 0 | 0 | 0 | No | Guaranteed Rate | $0.00 | 1.0 | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.08 | 0.93 | 04/01/2055 | $188,273.89 | 48.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 22.5 | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251047 | N/A | No | No | $1,653.12 | $1,653.12 | 7.750% | No | No | US Citizen | 2 | $3,334.56 | $2,174.16 | $277.88 | $181.18 | 0.000% | 0.000% | 0.000% | 02/27/2025 | 786 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.37 | 0.73 | 04/01/2055 | $45,664.26 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 127.76 | Retail | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251095 | N/A | No | No | $1,750.03 | $1,750.03 | 8.625% | No | No | US Citizen | 1 | $6,329.40 | $1,306.56 | $527.45 | $108.88 | 0.000% | 0.000% | 0.000% | 03/06/2025 | 759 | No | No | DSCR | 0 | 0 | 0 | No | First Colony Mortgage | $0.00 | 3.2 | N/A | No | 8.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | 04/01/2055 | $188,257.60 | 61.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 40.77 | Retail | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251094 | N/A | No | No | $1,253.14 | $1,253.14 | 8.875% | No | No | US Citizen | 1 | $4,038.00 | $1,982.16 | $336.50 | $165.18 | 0.000% | 0.000% | 0.000% | 03/06/2025 | 759 | No | No | DSCR | 0 | 0 | 0 | No | First Colony Mortgage | $0.00 | 1.4 | N/A | No | 8.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.03 | 0.97 | 04/01/2055 | $131,193.00 | 62.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 40.51 | Retail | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251300 | Safe Harbor QM (APOR) | Yes | No | $8,495.00 | $10,670.78 | 7.517% | $2,387.62 | $2,387.62 | 7.250% | No | No | Self-Employed | US Citizen | $10,741.25 | 1 | $13,756.44 | $648.96 | $1,146.37 | $54.08 | 30.712% | 30.712% | 30.712% | 02/03/2025 | 724 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $8,495.00 | 6.850% | $0.00 | 1.5 | None | N/A | No | 7.250% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | No | 05/01/2055 | $571,323.82 | 79.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 39.7 | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250503 | Safe Harbor QM (APOR) | Yes | No | $3,925.00 | $4,774.61 | 6.513% | $12,641.37 | $12,641.37 | 6.500% | No | No | Not Employed | Not Employed | Self-Employed | 29.76 | US Citizen | US Citizen | US Citizen | $61,640.16 | 1 | $35,494.80 | $4,337.04 | $2,957.90 | $361.42 | 33.556% | 33.556% | 33.556% | 10/15/2024 | 778 | 778 | 778 | 784 | Level 1-Not Stated/Not Verified | Level 4-Stated/Verified as defined | Level 3-Stated/Verified as defined | No | No | [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2022 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2022 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Other - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2022 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2022 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2022 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2022 |
[Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - No Results Returned - 2023 [Borrower]; 1040 - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; Transcripts (1040) - 2022 [Borrower]; 1040 - 2021 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; Transcripts (1040) - 2021 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - No Results Returned - 2023 [Coborrower]; 1040 - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; Transcripts (1040) - 2022 [Coborrower]; 1040 - 2021 [Coborrower]; 4506-C - 2021 [Coborrower]; 4506-C - 2021 [Coborrower]; Transcripts (1040) - 2021 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | Rocket Mortgage | $3,925.00 | 6.120% | $0.00 | 2.9 | DU | ApproveIneligible | N/A | No | 6.500% | 0 | 0 | 3 | 0 | 3 | 2 | 0.00 | No | Yes | Mixed | Not Tested | 12/01/2054 | $0.00 | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | No | 61.52 | No | No | [Redacted] | $81,817.15 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250981 | Safe Harbor QM (APOR) | Yes | No | $11,260.00 | $10,400.00 | 7.588% | $7,271.84 | $7,271.84 | 7.500% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $18,607.36 | 1 | $11,965.56 | $2,117.04 | $997.13 | $176.42 | 42.053% | 42.053% | 42.053% | 12/12/2024 | 772 | No | No | [Borrower - | Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Borrower - | Primary Income - Partnership (>= 25%)]; K-1 - 2023 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; K-1 - 2023 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; 1065 - 2022 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; K-1 - 2022 [Coborrower(s) - | Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025 [Coborrower(s) - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 [Coborrower(s) - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2022 |
[Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1040 - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; Transcripts (1040) - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; Transcripts (1040) - 2021 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1040 - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; Transcripts (1040) - 2022 [Coborrower]; 4506-C - 2021 [Coborrower]; 4506-C - 2021 [Coborrower]; Transcripts (1040) - 2021 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | Rocket Mortgage | $11,260.00 | 6.890% | $300.00 | 2.4 | DU | ApproveIneligible | N/A | No | 7.500% | 0 | 0 | 2 | 0 | 3 | 3 | No | Yes | Mixed | Not Tested | 02/01/2055 | $452,387.97 | 35.000% | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | 23.4 | No | No | [Redacted] | $3,962.07 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250989 | Safe Harbor QM (APOR) | Yes | No | $15,536.92 | $14,249.47 | 7.611% | $7,187.93 | $7,187.93 | 7.500% | No | No | Employed | Employed | US Citizen | US Citizen | $23,000.13 | 1 | $13,492.68 | $1,554.12 | $1,124.39 | $129.51 | 43.023% | 43.023% | 43.023% | 01/06/2025 | 786 | No | No | [Borrower - | Primary Income - Wages]; Leave and Earnings Statement (LES) - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; Leave and Earnings Statement (LES) - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; Transcripts (1040) - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; Transcripts (1040) - 2021 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; Transcripts (1040) - 2022 [Coborrower]; 4506-C - 2021 [Coborrower]; 4506-C - 2021 [Coborrower]; Transcripts (1040) - 2021 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | Rocket Mortgage | $15,536.92 | 6.890% | $4,500.00 | 1.0 | DU | ApproveIneligible | N/A | No | 7.500% | 1 | 1 | 1 | 0 | 3 | 3 | 0.00 | No | Yes | Mixed | Not Tested | 02/01/2055 | $514,091.64 | 40.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | 24.97 | No | No | [Redacted] | $0.00 | $22,833.78 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250974 | Safe Harbor QM (APOR) | Yes | No | $3,928.92 | $4,017.30 | 6.898% | $6,437.91 | $6,437.91 | 6.875% | No | No | Employed | US Citizen | $14,015.92 | 1 | $6,633.72 | $3,485.40 | $552.81 | $290.45 | 42.246% | 42.246% | 42.246% | 01/07/2025 | 762 | No | No | [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; Paystubs - 2022 [Borrower - | Primary Income - Wages]; W-2 - 2022 |
[Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1040 - 2022 [Borrower]; 4506-C - 2022 [Borrower]; Transcripts (1040) - 2022 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | Rocket Mortgage | $3,928.92 | 6.890% | $0.00 | 5.0 | DU | ApproveIneligible | N/A | No | 6.875% | 2 | 2 | 0 | 2 | 2 | 0.00 | No | Yes | Mixed | Not Tested | 02/01/2055 | $369,210.85 | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | No | 50.71 | No | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250982 | Safe Harbor QM (APOR) | Yes | No | $8,065.00 | $250.00 | 7.368% | $5,570.30 | $5,570.30 | 7.375% | No | No | Employed | US Citizen | $34,340.26 | 1 | $11,701.68 | $2,241.00 | $975.14 | $186.75 | 32.159% | 32.159% | 32.159% | 12/30/2024 | 757 | No | No | [Borrower - | Primary Income - Wages]; Other - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; Restricted Stock Agreement - 2022 [Borrower - | Primary Income - Wages]; Vesting Schedule - 2022 [Borrower - | Primary Income - Wages]; W-2 - 2022 |
[Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; Transcripts (1040) - 2022 [Borrower]; 4506-C - 2021 [Borrower]; Transcripts (1040) - 2021 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | Rocket Mortgage | $8,065.00 | 6.900% | $0.00 | 1.0 | DU | ApproveEligible | N/A | No | 7.375% | 2 | 1 | 0 | 3 | 3 | 0.00 | No | Yes | Mixed | Not Tested | 02/01/2055 | $830,834.16 | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | No | 137.15 | No | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250978 | Safe Harbor QM (APOR) | Yes | No | $7,670.00 | $1,626.26 | 6.756% | $6,674.08 | $6,674.08 | 6.750% | No | No | Employed | US Citizen | $41,565.52 | 1 | $3,817.56 | $13,639.44 | $318.13 | $1,136.62 | 43.000% | 43.000% | 43.000% | 12/12/2024 | 766 | No | No | [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; Other - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2024 [Borrower - | Primary Income - Wages]; Vesting Schedule - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; Paystubs - 2022 [Borrower - | Primary Income - Wages]; W-2 - 2022 |
[Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; Transcripts (1040) - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; Transcripts (1040) - 2021 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | Rocket Mortgage | $7,670.00 | 6.890% | $0.00 | 3.5 | DU | ApproveIneligible | N/A | No | 6.750% | 2 | 1 | 0 | 3 | 3 | 0.00 | No | Yes | Mixed | Not Tested | 02/01/2055 | $553,491.60 | No | 36 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | No | 63.47 | No | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250979 | Safe Harbor QM (APOR) | Yes | No | $7,670.00 | $1,656.10 | 6.755% | $7,355.11 | $7,355.11 | 6.750% | No | No | Employed | US Citizen | $41,737.32 | 1 | $3,817.56 | $11,646.00 | $318.13 | $970.50 | 42.764% | 42.764% | 42.764% | 12/12/2024 | 766 | No | No | [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; Other - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2024 [Borrower - | Primary Income - Wages]; Vesting Schedule - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; Paystubs - 2022 [Borrower - | Primary Income - Wages]; W-2 - 2022 |
[Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; Transcripts (1040) - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; Transcripts (1040) - 2021 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | Rocket Mortgage | $7,670.00 | 7.070% | $0.00 | 5.0 | DU | ApproveIneligible | N/A | No | 6.750% | 2 | 1 | 0 | 3 | 3 | 0.00 | No | Yes | Mixed | Not Tested | 02/01/2055 | $2,032,918.31 | No | 36 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | No | 232.28 | No | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250985 | Safe Harbor QM (APOR) | Yes | No | $16,492.20 | $3,929.65 | 7.522% | $7,131.99 | $7,131.99 | 7.500% | No | No | Employed | Employed | US Citizen | US Citizen | $22,813.73 | 1 | $6,742.56 | $2,342.76 | $561.88 | $195.23 | 42.811% | 42.811% | 42.811% | 01/03/2025 | 786 | No | No | [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2022 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; Transcripts (1040) - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; Transcripts (1040) - 2022 [Coborrower]; 4506-C - 2021 [Coborrower]; 4506-C - 2021 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | Rocket Mortgage | $16,492.20 | 6.890% | $0.00 | 3.4 | DU | ApproveIneligible | N/A | No | 7.500% | 0 | 2 | 0 | 0 | 3 | 2 | 0.00 | No | Yes | Mixed | Not Tested | 02/01/2055 | $1,320,609.69 | 100.000% | No | 25 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | 123.72 | No | No | [Redacted] | $0.00 | $17,391.65 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250972 | Safe Harbor QM (APOR) | Yes | No | $28,667.40 | $29,216.35 | 7.070% | $9,459.78 | $9,459.78 | 6.875% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $35,867.42 | 1 | $22,500.00 | $3,795.00 | $1,875.00 | $316.25 | 43.517% | 43.517% | 43.517% | 01/09/2025 | 787 | No | No | [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2022 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2022 |
[Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1040 - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; Transcripts (1040) - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; Transcripts (1040) - 2021 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1040 - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; Transcripts (1040) - 2022 [Coborrower]; 4506-C - 2021 [Coborrower]; Transcripts (1040) - 2021 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | Rocket Mortgage | $28,667.40 | 6.900% | $0.00 | 1.0 | DU | ApproveIneligible | N/A | No | 6.875% | 1 | 0 | 2 | 0 | 3 | 3 | No | Yes | Mixed | Not Tested | 02/01/2055 | $622,755.49 | 35.000% | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | 24.93 | No | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250976 | Safe Harbor QM (APOR) | Yes | No | $2,100.00 | $1,303.64 | 7.126% | $5,389.75 | $5,389.75 | 7.125% | No | No | Employed | Employed | US Citizen | US Citizen | $19,064.49 | 1 | $4,047.72 | $14,011.08 | $337.31 | $1,167.59 | 39.234% | 39.234% | 39.234% | 12/03/2024 | 766 | No | No | [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 - 2022 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2022 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2022 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2022 |
[Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; Transcripts (1040) - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; Transcripts (1040) - 2021 [Borrower]; 4506-C - 2002 [Borrower]; 4506-C - 2002 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1040 - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; Transcripts (1040) - 2022 [Coborrower]; 4506-C - 2021 [Coborrower]; 4506-C - 2021 [Coborrower]; Transcripts (1040) - 2021 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | Rocket Mortgage | $2,100.00 | 6.760% | $10,000.00 | 1.9 | DU | ApproveEligible | N/A | No | 7.125% | 2 | 2 | 2 | 0 | 4 | 3 | 0.00 | No | Yes | Mixed | Not Tested | 02/01/2055 | $1,029,722.21 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | 118.45 | No | No | [Redacted] | ($2,182.17) | $22,285.96 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250987 | Safe Harbor QM (APOR) | Yes | No | $18,406.00 | $195.00 | 6.984% | $7,975.58 | $7,975.58 | 6.990% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $87,685.52 | 1 | $13,632.24 | $5,360.04 | $1,136.02 | $446.67 | 16.123% | 16.123% | 16.123% | 01/03/2025 | 767 | No | No | [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2022 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2022 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2022 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2022 |
[Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1040 - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; Transcripts (1040) - 2022 [Borrower]; Transcripts (1040) - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; Transcripts (1040) - 2021 [Borrower]; Transcripts (1040) - 2021 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1040 - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; Transcripts (1040) - 2022 [Coborrower]; Transcripts (1040) - 2022 [Coborrower]; 4506-C - 2021 [Coborrower]; 4506-C - 2021 [Coborrower]; Transcripts (1040) - 2021 [Coborrower]; Transcripts (1040) - 2021 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | Rocket Mortgage | $18,406.00 | 6.900% | $15,000.00 | 2.6 | DU | ApproveIneligible | N/A | No | 6.990% | 2 | 2 | 2 | 0 | 3 | 3 | No | Yes | Mixed | Not Tested | 02/01/2055 | $2,130,836.32 | 59.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | 26.28 | No | No | [Redacted] | $0.00 | $2,414.52 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250990 | Safe Harbor QM (APOR) | Yes | No | $8,087.50 | $10,872.12 | 6.826% | $8,512.86 | $8,512.86 | 6.750% | No | No | Not Employed | Self-Employed | US Citizen | US Citizen | $112,150.30 | 1 | $11,473.20 | $12,087.96 | $956.10 | $1,007.33 | 11.083% | 11.083% | 11.083% | 01/07/2025 | 739 | No | No | [Coborrower(s) - | Primary Income - Sole Proprietor]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Account Transcripts - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; Account Transcripts - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; Account Transcripts - 2021 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Account Transcripts - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; Account Transcripts - 2022 [Coborrower]; 4506-C - 2021 [Coborrower]; 4506-C - 2021 [Coborrower]; Account Transcripts - 2021 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | Rocket Mortgage | $8,087.50 | 6.980% | $0.00 | 3.2 | DU | ApproveIneligible | No | No | 6.750% | 0 | 0 | 1 | 0 | 3 | 3 | 0.00 | No | Yes | Mixed | Not Tested | 02/01/2055 | $908,933.14 | 52.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | 42.06 | No | No | [Redacted] | $126,129.67 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250980 | Safe Harbor QM (APOR) | Yes | No | $17,285.00 | $3,943.85 | 7.301% | $6,395.41 | $6,395.41 | 7.250% | No | No | Employed | Employed | US Citizen | US Citizen | $10,086.18 | 1 | $3,076.32 | $2,850.96 | $256.36 | $237.58 | 37.512% | 37.511% | 37.511% | 12/26/2024 | 781 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 - 2022 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2022 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; Transcripts (1040) - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; Transcripts (1040) - 2021 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; Transcripts (1040) - 2022 [Coborrower]; 4506-C - 2021 [Coborrower]; 4506-C - 2021 [Coborrower]; Transcripts (1040) - 2021 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | Rocket Mortgage | $17,285.00 | 6.900% | $0.00 | 2.1 | DU | ApproveIneligible | N/A | No | 7.250% | 2 | 2 | 0 | 0 | 3 | 3 | 0.00 | No | Yes | Mixed | Not Tested | 02/01/2055 | $1,275,389.78 | 100.000% | No | 36 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | 139.01 | No | No | [Redacted] | $0.00 | $4,139.21 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250984 | Safe Harbor QM (APOR) | Yes | No | $8,250.00 | $463.06 | 7.377% | $7,183.03 | $7,183.03 | 7.375% | No | No | Self-Employed | US Citizen | $32,932.19 | 1 | $9,258.12 | $6,057.60 | $771.51 | $504.80 | 39.283% | 39.283% | 39.283% | 12/06/2024 | 764 | No | No | [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2022 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2022 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2022 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Tax Return Extension - 2023 [Borrower]; Transcripts (1040) - No Results Returned - 2023 [Borrower]; 1040 - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; Transcripts (1040) - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; Transcripts (1040) - 2021 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | Rocket Mortgage | $8,250.00 | 6.980% | $0.00 | 1.0 | DU | ApproveIneligible | N/A | No | 7.375% | 2 | 1 | 0 | 3 | 2 | No | Yes | Mixed | Not Tested | 02/01/2055 | $346,158.77 | 27.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | 52.88 | No | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250993 | Safe Harbor QM (APOR) | Yes | No | $10,758.00 | $8,712.10 | 7.287% | $6,821.77 | $6,821.77 | 7.250% | No | No | Employed | US Citizen | $17,219.12 | 1 | $15,624.96 | $9,424.20 | $1,302.08 | $785.35 | 44.962% | 44.962% | 44.962% | 01/06/2025 | 795 | No | No | [Borrower - | Primary Income - Wages]; Other - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; Vesting Schedule - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; Vesting Schedule - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; Paystubs - 2022 |
[Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Account Transcripts - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; Account Transcripts - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; Account Transcripts - 2021 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | Rocket Mortgage | $10,758.00 | 6.890% | $0.00 | 3.0 | DU | ApproveIneligible | N/A | No | 7.250% | 1 | 1 | 0 | 3 | 3 | 0.00 | No | Yes | Mixed | Not Tested | 03/01/2055 | $924,439.22 | 74.000% | No | 26 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | 69.91 | No | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250975 | Safe Harbor QM (APOR) | Yes | No | $1,600.00 | $6,201.55 | 7.388% | $9,816.22 | $9,816.22 | 7.375% | No | No | Employed | Employed | US Citizen | US Citizen | $30,816.56 | 1 | $23,293.80 | $2,031.96 | $1,941.15 | $169.33 | 43.715% | 43.715% | 43.715% | 11/27/2024 | 773 | No | No | [Borrower - | Primary Income - Wages]; Employer Letter - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 - 2022 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2022 |
[Borrower]; 1040 - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1040 - 2022 [Borrower]; Transcripts (1040) - 2022 [Coborrower]; 1040 - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1040 - 2022 [Coborrower]; Transcripts (1040) - 2022 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | Rocket Mortgage | $1,600.00 | 6.760% | $0.00 | 2.5 | DU | ApproveIneligible | N/A | No | 7.375% | 2 | 2 | 2 | 0 | 0 | 2 | 0.00 | No | Yes | Mixed | Not Tested | 02/01/2055 | $1,380,990.64 | 73.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | 77.9 | Retail | No | No | [Redacted] | $0.00 | $28,213.58 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250983 | Safe Harbor QM (APOR) | Yes | No | $6,850.00 | $7,682.00 | 7.567% | $7,341.75 | $7,341.75 | 7.500% | No | No | Employed | Employed | US Citizen | US Citizen | $17,533.24 | 1 | $9,520.80 | $1,658.52 | $793.40 | $138.21 | 39.192% | 39.192% | 39.192% | 12/05/2024 | 794 | No | No | [Borrower - | Primary Income - Wages]; Other - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; Employer Letter - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2024 [Borrower - | Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2025 [Borrower - | Non-Primary Income - VA Service Related Disability]; Other - 2024 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; Employer Letter - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 |
[Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1040 - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; Transcripts (1040) - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; Account Transcripts - 2021 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1040 - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; Transcripts (1040) - 2022 [Coborrower]; 4506-C - 2021 [Coborrower]; 4506-C - 2021 [Coborrower]; Account Transcripts - 2021 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | Rocket Mortgage | $6,850.00 | 6.760% | $15,000.00 | 1.9 | DU | ApproveIneligible | N/A | No | 7.500% | 0 | 0 | 2 | 0 | 3 | 3 | 0.00 | No | Yes | Mixed | Not Tested | 02/01/2055 | $584,660.55 | 42.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | 24.6 | Retail | No | No | [Redacted] | $0.00 | $7,083.34 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250973 | Safe Harbor QM (APOR) | Yes | No | $15,573.15 | $19,635.46 | 6.447% | $4,941.14 | $4,941.14 | 6.250% | No | No | Self-Employed | US Citizen | $14,234.17 | 1 | $5,231.28 | $2,184.24 | $435.94 | $182.02 | 40.255% | 40.255% | 40.255% | 10/08/2024 | 782 | No | No | [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2022 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2022 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2022 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2022 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2022 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2022 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2022 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2022 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2022 [Borrower - | Non-Primary Income - Farming]; 1040 - Schedule F - 2023 [Borrower - | Non-Primary Income - Farming]; 1040 - Schedule F - 2022 |
[Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1040 - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; Transcripts (1040) - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; Transcripts (1040) - 2021 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | Rocket Mortgage | $15,573.15 | 6.760% | $0.00 | 5.0 | DU | ApproveEligible | N/A | No | 6.250% | 2 | 2 | 0 | 3 | 3 | No | Yes | Mixed | Not Tested | 03/01/2055 | $442,049.57 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | No | 68.68 | No | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250986 | Safe Harbor QM (APOR) | Yes | No | $20,381.73 | $26,524.33 | 6.484% | $10,532.41 | $10,532.41 | 6.375% | No | No | Self-Employed | US Citizen | $103,001.36 | 1 | $7,072.80 | $11,844.00 | $589.40 | $987.00 | 11.887% | 11.887% | 11.887% | 01/05/2025 | 784 | No | No | [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2022 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2022 |
[Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1040 - 2022 [Borrower]; 4506-C - 2022 [Borrower]; Transcripts (1040) - 2022 [Borrower]; 4506-C - 2021 [Borrower]; Transcripts (1040) - 2021 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | Rocket Mortgage | $20,381.73 | 6.900% | $0.00 | 1.0 | DU | ApproveIneligible | N/A | No | 6.375% | 0 | 2 | 0 | 3 | 3 | No | Yes | Mixed | Not Tested | 03/01/2055 | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | No | 13.18 | No | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250991 | Safe Harbor QM (APOR) | Yes | No | $3,015.00 | $6,402.65 | 7.020% | $6,380.46 | $6,380.46 | 6.990% | No | No | Employed | US Citizen | $31,651.49 | 1 | $4,399.20 | $3,086.28 | $366.60 | $257.19 | 33.770% | 33.770% | 33.770% | 01/07/2025 | 775 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; Year End Summary - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Non-Primary Income - Pension]; 1099-R - 2024 [Borrower - | Non-Primary Income - Pension]; Account Statements - 2024 [Borrower - | Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2025 [Borrower - | Non-Primary Income - VA Service Related Disability]; Other - 2024 |
[Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; Transcripts (1040) - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | Rocket Mortgage | $3,015.00 | 7.070% | $1,000.00 | 3.2 | DU | ApproveIneligible | N/A | No | 6.990% | 2 | 1 | 0 | 3 | 2 | 0.00 | No | Yes | Mixed | Not Tested | 03/01/2055 | $607,693.80 | 51.000% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | 49.31 | No | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250988 | Safe Harbor QM (APOR) | Yes | No | $12,860.00 | $40,207.18 | 6.270% | $7,486.35 | $7,486.35 | 5.990% | No | No | Self-Employed | US Citizen | $42,473.02 | 1 | $3,673.32 | $12,024.00 | $306.11 | $1,002.00 | 33.087% | 33.087% | 33.087% | 01/08/2025 | 736 | No | No | [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2022 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2022 |
[Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1040 - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; Transcripts (1040) - 2022 [Borrower]; Transcripts (1040) - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; Transcripts (1040) - 2021 [Borrower]; Transcripts (1040) - 2021 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | Rocket Mortgage | $12,860.00 | 6.920% | $0.00 | 1.4 | DU | ApproveIneligible | N/A | No | 5.990% | 1 | 2 | 0 | 3 | 3 | No | Yes | Mixed | Not Tested | 03/01/2055 | $1,870,240.57 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | No | 212.66 | No | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250977 | Safe Harbor QM (APOR) | Yes | No | $30,250.00 | $34,155.86 | 7.558% | $11,741.48 | $11,741.48 | 7.375% | No | No | Not Employed | Self-Employed | US Citizen | US Citizen | $65,329.57 | 1 | $39,144.60 | $14,051.04 | $3,262.05 | $1,170.92 | 31.183% | 31.183% | 31.183% | 12/13/2024 | 702 | No | No | [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; Third Party Verification - 2024 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; K-1 - 2023 |
[Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1040 - 2022 [Borrower]; 4506-C - 2022 [Borrower]; Transcripts (1040) - 2022 [Borrower]; 4506-C - 2021 [Borrower]; Transcripts (1040) - 2021 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1040 - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; Transcripts (1040) - 2022 [Coborrower]; 4506-C - 2021 [Coborrower]; 4506-C - 2021 [Coborrower]; Transcripts (1040) - 2021 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | Rocket Mortgage | $30,250.00 | 6.690% | $0.00 | 1.0 | DU | ApproveIneligible | N/A | No | 7.375% | 0 | 0 | 2 | 0 | 3 | 3 | 0.00 | No | Yes | Mixed | Not Tested | 03/01/2055 | $190,401.30 | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | No | 12.7 | No | No | [Redacted] | $84,702.42 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250994 | Safe Harbor QM (APOR) | Yes | No | $21,434.13 | $24,750.56 | 7.018% | $9,882.19 | $9,882.19 | 6.875% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $38,319.62 | 1 | $27,437.52 | $2,981.04 | $2,286.46 | $248.42 | 42.471% | 42.471% | 42.471% | 01/28/2025 | 718 | No | No | [Borrower - | Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2023 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2022 |
[Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1040 - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; Transcripts (1040) - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1040 - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; Transcripts (1040) - 2022 [Coborrower]; 4506-C - 2021 [Coborrower]; 4506-C - 2021 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | Rocket Mortgage | $21,434.13 | 6.920% | $0.00 | 2.4 | DU | ApproveIneligible | N/A | No | 6.875% | 2 | 0 | 2 | 0 | 3 | 2 | No | Yes | Mixed | Not Tested | 03/01/2055 | $567,722.61 | 26.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | 90.99 | No | No | [Redacted] | ($1,122.13) | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250992 | Safe Harbor QM (APOR) | Yes | No | $22,052.57 | $12,137.72 | 7.065% | $7,178.02 | $7,178.02 | 6.990% | No | No | Employed | Employed | US Citizen | US Citizen | $5,856.65 | 1 | $4,090.80 | $2,640.00 | $340.90 | $220.00 | 44.352% | 44.352% | 44.352% | 12/20/2024 | 789 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; Year End Summary - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Non-Primary Income - K-1 (< 25%)]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - K-1 (< 25%)]; K-1 - 2023 [Borrower - | Non-Primary Income - K-1 (< 25%)]; K-1 - 2022 [Borrower - | Non-Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2025 [Borrower - | Non-Primary Income - IRA Distribution]; Account Statements - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Wages]; Year End Summary - 2024 |
[Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Tax Return Extension - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1040 - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; Transcripts (1040) - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Tax Return Extension - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1040 - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; Transcripts (1040) - 2022 [Coborrower]; 4506-C - 2021 [Coborrower]; 4506-C - 2021 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | Rocket Mortgage | $22,052.57 | 6.920% | $15,000.00 | 1.0 | DU | ApproveIneligible | N/A | No | 6.990% | 1 | 0 | 2 | 0 | 3 | 2 | 0.00 | No | Yes | Mixed | Not Tested | 03/01/2055 | $391,222.63 | 29.000% | No | 25 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | 16.49 | No | No | [Redacted] | $0.00 | $6,940.74 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251046 | Non QM | Yes | No | $8,576.00 | $12,017.20 | 9.025% | $3,052.40 | $3,052.40 | 8.750% | No | No | Self-Employed | US Citizen | $16,362.09 | 1 | $2,400.72 | $3,484.44 | $200.06 | $290.37 | 35.467% | 35.467% | 35.467% | 01/17/2025 | 783 | No | No | Borrower Prepared | [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2022 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2022 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2022 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2021 |
[Borrower]; Transcripts (1040) - No Results Returned - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Account Transcripts - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1040 - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; Transcripts (1040) - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | Arc | $8,576.00 | 6.870% | $0.00 | 1.8 | None | N/A | No | 8.750% | 3 | 2 | 0 | 2 | 2 | 12.00 | No | 04/01/2055 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 44.93 | Retail | No | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251104 | Non QM | Yes | No | $1,450.00 | $3,483.44 | 7.161% | $5,352.77 | $5,352.77 | 7.125% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $373,414.68 | 1 | $9,457.44 | $1,452.96 | $788.12 | $121.08 | 1.763% | 1.763% | 1.763% | 798 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2022 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $1,450.00 | 6.620% | $0.00 | 2.6 | None | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 04/01/2055 | $2,266,669.61 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 320.17 | Retail | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251361 | Safe Harbor QM (APOR) | Yes | No | $18,295.00 | $6,887.99 | 7.563% | $4,698.72 | $4,698.72 | 7.500% | No | No | Self-Employed | US Citizen | $12,347.86 | 1 | $6,767.16 | $3,201.36 | $563.93 | $266.78 | 43.770% | 43.770% | 43.770% | 03/04/2025 | 726 | No | Yes | 12 | Personal | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $18,295.00 | 6.730% | $0.00 | 4.3 | None | N/A | No | 7.500% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | Not Stated | 05/01/2055 | $393,871.00 | 46.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 36.01 | Yes | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251081 | N/A | No | No | $1,642.32 | $1,642.32 | 6.875% | No | No | 0 | US Citizen | US Citizen | 1 | $8,111.28 | $3,258.96 | $675.94 | $271.58 | 0.000% | 0.000% | 0.000% | 03/04/2025 | 712 | Level 3-Stated/Partially Verified | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 3.0 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.08 | 0.92 | 05/01/2055 | $5,000.00 | 1.000% | No | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 5.16 | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251435 | Non QM | Yes | No | $6,767.75 | $3,549.94 | 7.925% | $1,253.72 | $1,253.72 | 7.750% | No | No | Self-Employed | US Citizen | $4,352.26 | 1 | $2,944.68 | $3,075.96 | $245.39 | $256.33 | 49.707% | 49.707% | 49.707% | 02/24/2025 | 680 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $6,767.75 | 6.850% | $0.00 | 2.6 | None | N/A | No | 7.750% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | 05/01/2055 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 84.16 | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250575 | N/A | No | No | $2,027.83 | $2,027.83 | 7.625% | No | No | US Citizen | 1 | $1,676.64 | $2,406.96 | $139.72 | $200.58 | 0.000% | 0.000% | 0.000% | 12/26/2024 | 696 | No | No | DSCR | 0 | 0 | 0 | Yes | ClearEdge Lending | $0.00 | 1.2 | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.06 | 0.95 | 03/01/2055 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 3.82 | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250578 | N/A | No | No | $11,748.53 | $11,748.53 | 7.999% | No | No | US Citizen | 1 | $15,129.48 | $1,185.00 | $1,260.79 | $98.75 | 0.000% | 0.000% | 0.000% | 12/13/2024 | 768 | No | No | DSCR | 0 | 0 | 0 | Yes | ClearEdge Lending | $0.00 | 1.4 | N/A | No | 7.999% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.11 | 0.9 | 240 | 03/01/2055 | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 6.66 | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250573 | N/A | No | No | $1,702.24 | $1,702.24 | 7.625% | No | No | Foreign National | 1 | $9,028.56 | $1,455.96 | $752.38 | $121.33 | 0.000% | 0.000% | 0.000% | No | No | DSCR | 0 | 0 | 0 | Yes | ClearEdge Lending | $0.00 | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.04 | 0.96 | 03/01/2055 | $158,485.00 | 43.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | 11.55 | [Redacted] | $0.00 | $0.00 | No | Yes | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250588 | N/A | No | No | $1,695.31 | $1,695.31 | 7.750% | No | No | US Citizen | 1 | $6,111.96 | $3,270.00 | $509.33 | $272.50 | 0.000% | 0.000% | 0.000% | 01/21/2025 | 712 | No | No | DSCR | 0 | 0 | 0 | No | ClearEdge Lending | $0.00 | 1.0 | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | 240 | 03/01/2055 | $135,320.53 | 36.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 11.22 | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250591 | N/A | No | No | $1,481.41 | $1,481.41 | 7.125% | No | No | US Citizen | 1 | $5,477.04 | $2,591.04 | $456.42 | $215.92 | 0.000% | 0.000% | 0.000% | 01/17/2025 | 722 | No | No | DSCR | 0 | 0 | 0 | No | ClearEdge Lending | $0.00 | 2.0 | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.1 | 0.91 | 240 | 03/01/2055 | $86,282.39 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 42.7 | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250592 | N/A | No | No | $2,728.71 | $2,728.71 | 7.250% | No | No | US Citizen | 2 | $6,872.40 | $4,454.04 | $572.70 | $371.17 | 0.000% | 0.000% | 0.000% | 11/18/2024 | 801 | No | No | DSCR | 0 | 0 | 0 | No | ClearEdge Lending | $0.00 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.14 | 0.87 | 03/01/2055 | $203,172.41 | 41.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 21.49 | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250600 | N/A | No | No | $1,932.90 | $1,932.90 | 7.500% | No | No | US Citizen | 1 | $8,950.44 | $1,607.52 | $745.87 | $133.96 | 0.000% | 0.000% | 0.000% | 01/15/2025 | 794 | No | No | DSCR | 0 | 0 | 0 | No | ClearEdge Lending | $0.00 | 1.0 | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.05 | 0.95 | 240 | 03/01/2055 | $179,706.86 | 46.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 28.07 | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250605 | N/A | No | No | $1,288.97 | $1,288.97 | 7.750% | No | No | US Citizen | 1 | $5,272.56 | $1,699.56 | $439.38 | $141.63 | 0.000% | 0.000% | 0.000% | 01/27/2025 | 760 | No | No | DSCR | 0 | 0 | 0 | No | ClearEdge Lending | $0.00 | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.02 | 0.98 | 03/01/2055 | $60,231.77 | 27.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 1.6 | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250606 | N/A | No | No | $1,609.48 | $1,609.48 | 6.875% | No | No | US Citizen | 1 | $1,073.04 | $968.04 | $89.42 | $80.67 | 0.000% | 0.000% | 0.000% | 01/14/2025 | 759 | No | No | DSCR | 0 | 0 | 0 | No | ClearEdge Lending | $0.00 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.07 | 0.94 | 03/01/2055 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 15.64 | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250608 | N/A | No | No | $2,151.69 | $2,151.69 | 7.625% | No | No | US Citizen | 1 | $4,128.48 | $1,296.12 | $344.04 | $108.01 | 0.000% | 0.000% | 0.000% | 01/08/2025 | 783 | No | No | DSCR | 0 | 0 | 0 | Yes | ClearEdge Lending | $0.00 | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.03 | 0.97 | 03/01/2055 | $213,396.65 | 56.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 48.27 | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250622 | N/A | No | No | $3,418.84 | $3,418.84 | 7.375% | No | No | US Citizen | 2 | $7,477.20 | $3,276.36 | $623.10 | $273.03 | 0.000% | 0.000% | 0.000% | 01/10/2025 | 778 | No | No | DSCR | 0 | 0 | 0 | No | ClearEdge Lending | $0.00 | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.11 | 0.89 | 03/01/2055 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 38.33 | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250623 | N/A | No | No | $3,626.04 | $3,626.04 | 7.375% | No | No | US Citizen | 2 | $7,727.04 | $2,901.48 | $643.92 | $241.79 | 0.000% | 0.000% | 0.000% | 01/10/2025 | 778 | No | No | DSCR | 0 | 0 | 0 | No | ClearEdge Lending | $0.00 | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.07 | 0.93 | 03/01/2055 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 34.29 | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250642 | N/A | No | No | $1,796.32 | $1,796.32 | 7.000% | No | No | US Citizen | 1 | $296.04 | $807.00 | $24.67 | $67.25 | 0.000% | 0.000% | 0.000% | 01/07/2025 | 745 | No | No | DSCR | 0 | 0 | 0 | No | ClearEdge Lending | $0.00 | 4.9 | No | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.53 | 0.65 | 03/01/2055 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 136.21 | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250645 | N/A | No | No | $689.06 | $689.06 | 6.750% | No | No | 0 | US Citizen | US Citizen | 1 | $4,044.84 | $883.20 | $337.07 | $73.60 | 0.000% | 0.000% | 0.000% | 757 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | ClearEdge Lending | $0.00 | 1.5 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | 240 | 03/01/2055 | $1,895.86 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 98.57 | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250646 | N/A | No | No | $2,633.49 | $2,633.49 | 8.000% | No | No | US Citizen | 2 | $2,650.92 | $5,159.64 | $220.91 | $429.97 | 0.000% | 0.000% | 0.000% | 01/17/2025 | 711 | No | No | DSCR | 0 | 0 | 0 | No | ClearEdge Lending | $0.00 | No | No | 8.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | 02/01/2065 | $3,192.19 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 10 | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250649 | N/A | No | No | $2,405.30 | $2,405.30 | 7.500% | No | No | US Citizen | 1 | $2,721.60 | $2,376.96 | $226.80 | $198.08 | 0.000% | 0.000% | 0.000% | 01/16/2025 | 743 | No | No | DSCR | 0 | 0 | 0 | No | ClearEdge Lending | $0.00 | 1.0 | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.02 | 0.97 | 03/01/2055 | $11,413.63 | 3.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 27.28 | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250654 | N/A | No | No | $1,050.02 | $1,050.02 | 8.625% | No | No | US Citizen | 1 | $1,406.76 | $1,077.00 | $117.23 | $89.75 | 0.000% | 0.000% | 0.000% | 01/15/2025 | 743 | No | No | DSCR | 0 | 0 | 0 | No | ClearEdge Lending | $0.00 | 2.2 | N/A | No | 8.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.39 | 0.72 | 03/01/2055 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 24.2 | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250668 | N/A | No | No | $3,389.98 | $3,389.98 | 7.625% | No | No | US Citizen | 1 | $5,887.56 | $831.96 | $490.63 | $69.33 | 0.000% | 0.000% | 0.000% | 01/02/2025 | 730 | No | No | DSCR | 0 | 0 | 0 | No | ClearEdge Lending | $0.00 | 1.1 | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | 03/01/2055 | $4,498.01 | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 40.9 | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250671 | N/A | No | No | $2,431.18 | $2,431.18 | 7.375% | No | No | US Citizen | 2 | $9,261.12 | $2,869.44 | $771.76 | $239.12 | 0.000% | 0.000% | 0.000% | 12/17/2024 | 813 | No | No | DSCR | 0 | 0 | 0 | No | ClearEdge Lending | $0.00 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.44 | 0.7 | 02/01/2055 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Risk Score Classic 04 | No | 99.01 | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250674 | N/A | No | No | $3,185.07 | $3,185.07 | 7.625% | No | No | US Citizen | 3 | $4,838.40 | $2,436.00 | $403.20 | $203.00 | 0.000% | 0.000% | 0.000% | 12/03/2024 | 740 | No | No | DSCR | 0 | 0 | 0 | No | ClearEdge Lending | $0.00 | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.51 | 0.65 | 03/01/2055 | $32,188.22 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 28.66 | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250675 | N/A | No | No | $3,344.64 | $3,344.64 | 8.250% | No | No | US Citizen | 2 | $5,684.88 | $4,119.00 | $473.74 | $343.25 | 0.000% | 0.000% | 0.000% | 01/13/2025 | 740 | No | No | DSCR | 0 | 0 | 0 | No | ClearEdge Lending | $0.00 | No | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.12 | 0.88 | 03/01/2055 | $49,436.18 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 29.81 | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250676 | N/A | No | No | $2,995.99 | $2,995.99 | 7.875% | No | No | US Citizen | 4 | $2,446.08 | $1,539.96 | $203.84 | $128.33 | 0.000% | 0.000% | 0.000% | 12/16/2024 | 740 | No | No | DSCR | 0 | 0 | 0 | No | ClearEdge Lending | $0.00 | No | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.08 | 0.92 | 03/01/2055 | $18,185.88 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 11.44 | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250702 | N/A | No | No | $1,113.75 | $1,113.75 | 8.125% | No | No | US Citizen | 1 | $1,345.68 | $1,360.20 | $112.14 | $113.35 | 0.000% | 0.000% | 0.000% | 12/02/2024 | 724 | No | No | DSCR | 0 | 0 | 0 | No | ClearEdge Lending | $0.00 | 1.0 | N/A | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.04 | 0.95 | 03/01/2055 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 7.75 | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250706 | N/A | No | No | $1,485.87 | $1,485.87 | 8.000% | No | No | US Citizen | US Citizen | 4 | $1,416.84 | $2,226.00 | $118.07 | $185.50 | 0.000% | 0.000% | 0.000% | 10/10/2024 | 812 | No | No | DSCR | 0 | 0 | 0 | No | ClearEdge Lending | $0.00 | No | No | 8.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.73 | 0.57 | 03/01/2055 | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 14.7 | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250572 | N/A | No | No | $30,949.00 | $36,333.83 | 7.954% | $9,641.83 | $9,641.83 | 7.750% | No | No | Self-Employed | Non-Permanent Resident Alien | Netherlands | $28,603.10 | 1 | $19,846.20 | $6,108.96 | $1,653.85 | $509.08 | 38.380% | 38.380% | 38.380% | 12/06/2024 | 744 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2024 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | ClearEdge Lending | $30,949.00 | 7.070% | $0.00 | 1.0 | None | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | 03/01/2065 | $17,600.05 | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Passport | No | 5.85 | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250504 | Non QM | Yes | No | $10,975.22 | $12,331.64 | 7.584% | $1,785.35 | $1,785.35 | 7.125% | No | No | Self-Employed | Permanent Resident Alien | $4,826.67 | 1 | $12,457.92 | $8,958.00 | $1,038.16 | $746.50 | 44.653% | 44.653% | 44.653% | 12/18/2024 | 746 | No | Yes | 12 | Personal | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | ClearEdge Lending | $10,975.22 | 6.770% | $0.00 | 1.0 | None | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | 03/01/2055 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | No | 68.61 | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250576 | Non QM | Yes | No | $11,649.00 | $15,406.50 | 6.902% | $5,707.66 | $5,707.66 | 6.750% | No | No | Non-Employment Income | US Citizen | $8,725.22 | 1 | $11,356.20 | $3,426.48 | $946.35 | $285.54 | 44.801% | 44.801% | 44.801% | 12/17/2024 | 724 | No | No | [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2024 [Borrower - | Primary Income - Social Security]; 1099-SSA - 2023 [Borrower - | Non-Primary Income - Note Receivable]; Account Statements - 2024 [Borrower - | Non-Primary Income - Note Receivable]; Other - 2022 [Borrower - | Non-Primary Income - IRA Distribution]; Account Statements - 2025 [Borrower - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2024 [Borrower - | Non-Primary Income - Pension]; 1099-R - 2023 [Borrower - | Non-Primary Income - Pension]; 1099 - 2023 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | ClearEdge Lending | $11,649.00 | 6.930% | $0.00 | None | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 03/01/2055 | $95,712.08 | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 11.28 | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250577 | Non QM | Yes | No | $12,290.79 | $14,190.07 | 8.422% | $1,892.43 | $1,892.43 | 7.875% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $27,035.16 | 1 | $1,043.76 | $1,163.04 | $86.98 | $96.92 | 9.563% | 9.563% | 9.563% | 12/30/2024 | 724 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2023 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | ClearEdge Lending | $12,290.79 | 6.930% | $15,000.00 | 1.0 | None | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | 03/01/2055 | $9,154.79 | 3.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 7.57 | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250580 | Non QM | Yes | No | $14,799.00 | $7,054.97 | 7.801% | $2,463.12 | $2,463.12 | 7.625% | No | No | Self-Employed | US Citizen | $26,025.14 | 1 | $8,205.84 | $3,345.96 | $683.82 | $278.83 | 24.638% | 24.638% | 24.638% | 01/10/2025 | 770 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2015 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2015 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | ClearEdge Lending | $14,799.00 | 6.980% | $3,000.00 | 1.8 | DU | ApproveEligible | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | 03/01/2055 | $4,000.00 | 1.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 1.68 | Yes | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250582 | Non QM | Yes | No | $9,269.00 | $13,121.83 | 7.538% | $2,865.14 | $2,865.14 | 7.250% | No | No | Self-Employed | US Citizen | $49,944.28 | 1 | $11,499.96 | $1,686.96 | $958.33 | $140.58 | 14.306% | 14.306% | 14.306% | 01/16/2025 | 804 | No | Yes | 12 | Business | 100.000% | 51.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | ClearEdge Lending | $9,269.00 | 6.930% | $0.00 | 1.0 | None | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | 03/01/2055 | $573,270.76 | 62.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 14.64 | No | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250583 | Non QM | Yes | No | $17,049.00 | $20,764.69 | 7.308% | $4,071.24 | $4,071.24 | 6.999% | No | No | Not Employed | Self-Employed | US Citizen | US Citizen | $44,804.14 | 1 | $10,469.04 | $3,338.28 | $872.42 | $278.19 | 11.062% | 11.062% | 11.062% | 01/14/2025 | 759 | No | Yes | 12 | Business | 100.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 |
[Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | ClearEdge Lending | $17,049.00 | 7.070% | $14,000.00 | 2.3 | None | N/A | No | 6.999% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | 03/01/2055 | $294,650.37 | 39.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 23.68 | No | [Redacted] | $50,376.99 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250584 | Non QM | Yes | No | $17,499.00 | $24,959.26 | 7.209% | $6,984.97 | $6,984.97 | 6.999% | No | No | Self-Employed | US Citizen | $25,184.08 | 1 | $18,750.00 | $2,028.96 | $1,562.50 | $169.08 | 38.176% | 38.176% | 38.176% | 01/07/2025 | 744 | No | Yes | 12 | Business | 100.000% | 95.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 95.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 95.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 95.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 95.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 95.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 95.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | ClearEdge Lending | $17,499.00 | 6.980% | $30,000.00 | 1.0 | DU | ApproveEligible | N/A | No | 6.999% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | 03/01/2055 | $518,368.85 | 35.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 7.67 | No | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250585 | Non QM | Yes | No | $13,103.07 | $8,113.70 | 10.323% | $2,415.31 | $2,415.31 | 9.999% | No | No | Self-Employed | US Citizen | $160,421.25 | 1 | $3,792.96 | $6,141.24 | $316.08 | $511.77 | 3.848% | 3.848% | 3.848% | 01/03/2025 | 671 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 2 | 0 | 0 | ClearEdge Lending | $13,103.07 | 7.070% | $0.00 | None | N/A | No | 9.999% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | 03/01/2055 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 5.96 | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250586 | Non QM | Yes | No | $23,969.00 | $37,569.42 | 7.895% | $14,027.50 | $17,831.00 | 7.750% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $88,373.93 | 1 | $33,937.56 | $3,414.96 | $2,828.13 | $284.58 | 25.505% | 22.299% | 25.505% | 01/13/2025 | 785 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2015 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | ClearEdge Lending | $23,969.00 | 6.930% | $0.00 | None | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | 240 | 03/01/2055 | $740,702.25 | 27.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 19.73 | No | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250589 | N/A | No | No | $35,595.50 | $39,551.38 | 8.807% | $8,861.25 | $10,856.47 | 8.500% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $41,288.91 | 1 | $4,983.36 | $3,092.04 | $415.28 | $257.67 | 39.007% | 36.060% | 39.007% | 11/27/2024 | 743 | No | Yes | 36 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2024 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2024 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2024 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2024 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | ClearEdge Lending | $35,595.50 | 7.070% | $0.00 | None | N/A | No | 8.500% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | 240 | 03/01/2055 | $271,674.88 | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 29.83 | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250590 | N/A | No | No | $6,486.93 | $8,966.43 | 7.802% | $2,092.01 | $2,092.01 | 7.500% | No | No | Employed | Employed | US Citizen | US Citizen | $24,206.65 | 1 | $5,609.88 | $851.16 | $467.49 | $70.93 | 44.063% | 44.063% | 44.063% | 01/21/2025 | 782 | No | No | [Borrower - | Primary Income - Wages]; Other - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | ClearEdge Lending | $6,486.93 | 7.070% | $7,500.00 | 1.0 | None | N/A | No | 7.500% | 2 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | 03/01/2055 | $637,972.14 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 165.51 | Yes | No | [Redacted] | $0.00 | $27,083.33 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250594 | Non QM | Yes | No | $20,749.00 | $24,743.71 | 7.203% | $4,598.50 | $4,598.50 | 6.875% | No | No | Self-Employed | US Citizen | $44,682.28 | 1 | $9,698.04 | $2,616.24 | $808.17 | $218.02 | 15.670% | 15.670% | 15.670% | 01/21/2025 | 761 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | ClearEdge Lending | $20,749.00 | 6.930% | $0.00 | 1.0 | None | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | 03/01/2055 | $650,523.81 | 55.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 33.16 | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250595 | Non QM | Yes | No | $9,983.38 | $4,680.34 | 7.429% | $4,273.55 | $4,273.55 | 7.375% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $45,934.14 | 1 | $5,268.36 | $1,533.00 | $439.03 | $127.75 | 11.646% | 11.646% | 11.646% | 01/21/2025 | 775 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | ClearEdge Lending | $9,983.38 | 7.070% | $0.00 | None | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 60 | 03/01/2055 | $4,566,790.90 | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 894.74 | No | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250598 | Non QM | Yes | No | $8,149.00 | $9,831.91 | 7.278% | $2,128.75 | $2,128.75 | 6.999% | No | No | Self-Employed | US Citizen | $16,166.83 | 1 | $4,974.72 | $3,036.00 | $414.56 | $253.00 | 31.843% | 31.843% | 31.843% | 01/21/2025 | 783 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2018 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2023 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | ClearEdge Lending | $8,149.00 | 7.070% | $0.00 | 1.0 | None | N/A | No | 6.999% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | 03/01/2055 | $56,604.76 | 14.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 10 | No | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250599 | Non QM | Yes | No | $13,989.65 | $19,397.47 | 8.546% | $7,088.76 | $7,088.76 | 8.375% | No | No | Employed | Not Employed | US Citizen | US Citizen | $17,867.45 | 1 | $2,601.96 | $4,978.56 | $216.83 | $414.88 | 44.832% | 44.832% | 44.832% | 02/02/2025 | 778 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Non-Primary Income - K-1 (< 25%)]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - K-1 (< 25%)]; K-1 - 2023 [Borrower - | Non-Primary Income - K-1 (< 25%)]; K-1 - 2022 [Borrower - | Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - Sole Proprietor]; Other - 2024 [Borrower - | Non-Primary Income - Sole Proprietor]; 1099 - 2023 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | ClearEdge Lending | $13,989.65 | 6.930% | $31,088.10 | None | N/A | No | 8.375% | 1 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | 03/01/2055 | $152,494.82 | 15.000% | No | 33 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 13.45 | No | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250601 | Non QM | Yes | No | $12,658.38 | $15,710.38 | 9.443% | $4,275.64 | $4,275.64 | 9.125% | No | No | Self-Employed | Permanent Resident Alien | $7,091.85 | 1 | $5,978.16 | $2,271.96 | $498.18 | $189.33 | 47.561% | 47.561% | 47.561% | 01/21/2025 | 647 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | ClearEdge Lending | $12,658.38 | 6.930% | $10,000.00 | 1.2 | None | N/A | No | 9.125% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | 03/01/2055 | $225,284.54 | 31.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 4.1 | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250603 | Non QM | Yes | No | $12,749.00 | $18,465.86 | 7.518% | $4,447.79 | $4,447.79 | 7.250% | No | No | Self-Employed | US Citizen | $13,748.84 | 1 | $9,081.60 | $420.00 | $756.80 | $35.00 | 32.898% | 32.898% | 32.898% | 01/24/2025 | 736 | No | No | [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2024 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2023 |
Full Documentation (F) | 2yr 1099 | 0 | 0 | 0 | ClearEdge Lending | $12,749.00 | 6.930% | $17,000.00 | 1.0 | None | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | No | 03/01/2055 | $215,818.09 | 26.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Risk Score Classic 04 | 8.24 | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250604 | Non QM | Yes | No | $63,436.50 | $66,432.07 | 6.819% | $8,910.42 | $10,397.52 | 6.500% | No | No | Self-Employed | US Citizen | $16,092.50 | 1 | $10,285.08 | $15,835.56 | $857.09 | $1,319.63 | 43.864% | 38.676% | 43.864% | 02/07/2025 | 756 | No | Yes | 24 | Personal, Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2023 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | ClearEdge Lending | $63,436.50 | 6.930% | $0.00 | 5.0 | None | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 12 | 12 | 0.00 | No | 360 | 03/01/2065 | $31,669.07 | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 11.87 | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250607 | Non QM | Yes | No | $10,249.00 | $12,165.13 | 7.017% | $2,756.54 | $2,756.54 | 6.750% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $4,414.69 | 1 | $6,872.40 | $1,914.72 | $572.70 | $159.56 | 44.368% | 44.368% | 44.368% | 01/28/2025 | 823 | No | No | [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Borrower - | Primary Income - Social Security]; 1099-SSA - 2024 [Borrower - | Primary Income - Social Security]; 1099-SSA - 2023 [Borrower - | Non-Primary Income - Note Receivable]; Account Statements - 2025 [Borrower - | Non-Primary Income - Note Receivable]; Note - 2024 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Coborrower(s) - | Primary Income - Social Security]; 1099-SSA - 2024 [Coborrower(s) - | Primary Income - Social Security]; 1099-SSA - 2023 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | ClearEdge Lending | $10,249.00 | 6.930% | $0.00 | 1.0 | None | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | 03/01/2055 | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 65.8 | No | [Redacted] | $1,049.63 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250609 | Non QM | Yes | No | $42,249.00 | $45,546.50 | 7.672% | $18,878.79 | $18,878.79 | 7.500% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $64,340.37 | 1 | $42,187.56 | $13,577.16 | $3,515.63 | $1,131.43 | 38.647% | 38.647% | 38.647% | 01/28/2025 | 798 | No | Yes | 36 | Business | 100.000% | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2015 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | ClearEdge Lending | $42,249.00 | 6.930% | $0.00 | None | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | 03/01/2055 | $800,327.59 | 24.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 10.21 | No | No | [Redacted] | $52,455.16 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250612 | Non QM | Yes | No | $27,844.00 | $39,289.46 | 9.450% | $16,042.17 | $16,042.17 | 9.250% | No | No | Self-Employed | US Citizen | $377,724.65 | 1 | $32,499.96 | $4,962.00 | $2,708.33 | $413.50 | 11.972% | 11.972% | 11.972% | 01/30/2025 | 647 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | ClearEdge Lending | $27,844.00 | 6.930% | $26,000.00 | 1.0 | None | N/A | No | 9.250% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | 03/01/2055 | $978,023.42 | 38.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 16.34 | Yes | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250618 | Non QM | Yes | No | $7,500.00 | $445.53 | 8.776% | $3,933.50 | $3,933.50 | 8.750% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $7,536.37 | 1 | $11,311.44 | $3,471.96 | $942.62 | $289.33 | 41.928% | 41.928% | 41.928% | 11/26/2024 | 749 | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2019 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2019 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2024 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2019 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2019 |
[Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | ClearEdge Lending | $7,500.00 | 6.930% | $0.00 | 1.2 | None | N/A | No | 8.750% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | 02/01/2055 | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 23.31 | No | [Redacted] | $6,488.86 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250621 | Non QM | Yes | No | $2,270.00 | $12,744.06 | 8.389% | $13,679.17 | $16,854.59 | 8.375% | No | No | Self-Employed | US Citizen | $38,115.20 | 1 | $21,013.20 | $16,910.04 | $1,751.10 | $1,409.17 | 37.980% | 32.813% | 37.980% | 12/30/2024 | 713 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | ClearEdge Lending | $2,270.00 | 6.980% | $0.00 | 1.0 | None | No | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | 240 | 03/01/2055 | $1,083,016.51 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 64.88 | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250624 | Non QM | Yes | No | $15,382.70 | $16,218.75 | 8.428% | $2,940.93 | $2,940.93 | 8.000% | No | No | Self-Employed | US Citizen | $4,789.68 | 1 | $3,884.88 | $2,457.96 | $323.74 | $204.83 | 45.710% | 45.710% | 45.710% | 12/25/2024 | 692 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2025 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2025 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | ClearEdge Lending | $15,382.70 | 6.980% | $0.00 | 2.6 | None | N/A | No | 8.000% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | 03/01/2055 | $148,135.55 | 30.000% | No | Yes | Short Form | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 26.07 | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250632 | Non QM | Yes | No | $30,270.00 | $31,753.87 | 7.219% | $9,480.56 | $9,480.56 | 7.000% | No | No | Employed | Employed | US Citizen | US Citizen | $27,566.05 | 1 | $44,461.20 | $10,218.96 | $3,705.10 | $851.58 | 40.774% | 40.774% | 40.774% | 12/16/2024 | 767 | Yes | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2024 [Borrower - | Primary Income - Wages]; Year End Summary - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 - 2022 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2024 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2024 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2024 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Non-Primary Income - Asset Depletion]; Account Statements - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1040 - 2022 [Borrower]; 4506-C - 2022 [Borrower]; Transcripts (1040) - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1040 - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; Transcripts (1040) - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | ClearEdge Lending | $30,270.00 | 6.980% | $4,500.00 | 2.0 | None | No | No | 7.000% | 2 | 1 | 2 | 0 | 3 | 2 | 0.00 | No | Other | 02/01/2055 | $475,030.15 | 16.000% | No | 35 | 3 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 112.04 | No | No | [Redacted] | $19,824.43 | $12,500.02 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250643 | Non QM | Yes | No | $11,607.50 | $14,030.88 | 7.869% | $2,622.05 | $2,622.05 | 7.500% | No | No | Not Employed | Self-Employed | US Citizen | $81,556.23 | 1 | $13,848.48 | $2,403.00 | $1,154.04 | $200.25 | 13.073% | 13.073% | 13.073% | 11/06/2024 | 726 | No | Yes | 12 | Business | 100.000% | 33.330% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 33.33% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 33.33% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 33.33% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 33.33% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 33.33% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 33.33% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2024 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 33.33% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2024 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 33.33% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2021 |
[Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | ClearEdge Lending | $11,607.50 | 6.980% | $0.00 | 1.1 | None | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | 03/01/2055 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | No | 87.27 | No | [Redacted] | $93,821.29 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250644 | Non QM | Yes | No | $4,553.28 | $6,296.39 | 7.881% | $1,202.65 | $1,202.65 | 7.500% | No | Yes | Not Employed | Self-Employed | US Citizen | US Citizen | $190,455.47 | 1 | $3,613.68 | $2,568.96 | $301.14 | $214.08 | 5.715% | 5.715% | 5.715% | 760 | No | Yes | 12 | Business | 100.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2024 |
[Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | ClearEdge Lending | $4,553.28 | 6.980% | $0.00 | 1.0 | None | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | 02/01/2055 | $60,909.97 | 28.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 52.55 | No | No | [Redacted] | $202,000.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250647 | Non QM | Yes | No | $9,743.00 | $11,492.32 | 7.807% | $1,768.13 | $1,768.13 | 7.375% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $6,083.56 | 1 | $2,929.56 | $2,508.96 | $244.13 | $209.08 | 34.479% | 34.479% | 34.479% | 698 | No | Yes | 24 | Personal | 100.000% | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2024 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2024 |
[Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 2 | 0 | 0 | 0 | ClearEdge Lending | $9,743.00 | 6.980% | $0.00 | 1.0 | None | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | 03/01/2055 | $0.00 | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 44 | No | [Redacted] | $4,114.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250660 | Non QM | Yes | No | $21,495.00 | $8,703.88 | 8.545% | $7,766.03 | $7,766.03 | 8.500% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $23,594.73 | 1 | $16,295.28 | $4,275.60 | $1,357.94 | $356.30 | 31.801% | 31.801% | 31.801% | 12/18/2024 | 728 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 Transcript - 2023 [Borrower - | Non-Primary Income - Sole Proprietor]; P&L Statement - 2024 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 [Borrower - | Non-Primary Income - Sole Proprietor]; W-2 Transcript - 2023 [Coborrower(s) - | Primary Income - Wages]; Employer Letter - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2022 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2024 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023 |
[Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | ClearEdge Lending | $21,495.00 | 6.890% | $0.00 | 1.0 | None | N/A | No | 8.500% | 1 | 2 | 1 | 0 | 2 | 1 | 12.00 | No | 03/01/2055 | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 105.46 | No | [Redacted] | $10,088.29 | $13,190.67 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250680 | Non QM | Yes | No | $16,954.98 | $18,629.83 | 7.745% | $3,529.35 | $3,529.35 | 7.375% | No | No | Self-Employed | US Citizen | $4,909.47 | 2 | $3,049.44 | $2,526.72 | $254.12 | $210.56 | 47.501% | 47.501% | 47.501% | 11/01/2024 | 704 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; Audited P&L - 2025 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2025 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | ClearEdge Lending | $16,954.98 | 6.930% | $0.00 | None | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | 03/01/2055 | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 39.95 | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250681 | Non QM | Yes | No | $5,195.00 | $4,366.70 | 7.770% | $937.50 | $1,208.39 | 7.500% | No | No | Non-Employment Income | US Citizen | $18,603.87 | 1 | $15,281.76 | $6,067.80 | $1,273.48 | $505.65 | 39.945% | 39.070% | 39.945% | 01/27/2025 | 776 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2024 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2024 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | ClearEdge Lending | $5,195.00 | 6.930% | $0.00 | 1.0 | None | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 60 | 240 | 03/01/2055 | $1,860,666.46 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 685.12 | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250688 | Non QM | Yes | No | $4,180.75 | $6,268.38 | 9.004% | $1,282.58 | $1,282.58 | 8.625% | No | No | Self-Employed | US Citizen | $2,766.13 | 1 | $4,861.68 | $1,773.00 | $405.14 | $147.75 | 45.318% | 45.318% | 45.318% | 01/09/2025 | 733 | No | Yes | 12 | Personal | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2024 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 1 | 0 | 0 | 0 | ClearEdge Lending | $4,180.75 | 6.930% | $5,696.32 | 1.7 | None | N/A | No | 8.625% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | 03/01/2055 | $39,333.13 | 20.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 11.24 | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250691 | Non QM | Yes | No | $4,945.00 | $8,406.41 | 7.369% | $1,967.26 | $1,967.26 | 7.125% | No | No | Self-Employed | US Citizen | $408,670.58 | 1 | $6,640.80 | $1,791.00 | $553.40 | $149.25 | 3.238% | 3.238% | 3.238% | 01/07/2025 | 753 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | ClearEdge Lending | $4,945.00 | 6.930% | $0.00 | 1.0 | None | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | 03/01/2055 | $173,043.30 | 46.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 69.17 | No | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250700 | Non QM | Yes | No | $1,770.00 | $9,795.84 | 7.713% | $5,096.11 | $5,096.11 | 7.625% | No | No | Self-Employed | US Citizen | $13,492.70 | 1 | $21,723.48 | $1,243.20 | $1,810.29 | $103.60 | 46.568% | 46.568% | 46.568% | 12/10/2024 | 727 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | ClearEdge Lending | $1,770.00 | 6.900% | $0.00 | 1.0 | None | No | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | 03/01/2055 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 42.07 | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251360 | Non QM | Yes | No | $18,379.00 | $22,174.00 | 8.234% | $4,350.42 | $4,350.42 | 7.875% | No | No | Self-Employed | US Citizen | $7,755.10 | 1 | $10,735.08 | $2,625.96 | $894.59 | $218.83 | 44.901% | 44.901% | 44.901% | 02/04/2025 | 697 | No | Yes | 12 | Business | 78.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Non-Primary Income - Social Security]; Account Statements - 2025 [Borrower - | Non-Primary Income - Social Security]; 1099-SSA - 2024 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $18,379.00 | 6.620% | $0.00 | 1.0 | None | N/A | No | 7.875% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | 05/01/2055 | $0.00 | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 33.91 | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250844 | Safe Harbor QM (APOR) | Yes | No | $10,987.95 | $12,721.19 | 7.802% | $2,810.14 | $2,810.14 | 7.500% | No | No | Self-Employed | US Citizen | $9,733.36 | 1 | $4,373.52 | $1,524.36 | $364.46 | $127.03 | 47.698% | 47.698% | 47.698% | 02/17/2025 | 714 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Expense Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $10,987.95 | 6.620% | $0.00 | 4.0 | None | N/A | No | 7.500% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | Yes | Not Stated | 05/01/2055 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 52.81 | No | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251387 | N/A | No | No | $2,558.74 | $2,558.74 | 6.875% | No | No | US Citizen | 1 | $4,942.20 | $1,031.04 | $411.85 | $85.92 | 0.000% | 0.000% | 0.000% | 02/26/2025 | 769 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 2.7 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.11 | 0.9 | 05/01/2055 | $21,285.51 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Yes | 7.8 | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250846 | Non QM | Yes | No | $1,640.00 | $3,441.52 | 7.296% | $4,775.23 | $4,775.23 | 7.250% | No | No | Self-Employed | US Citizen | $42,795.91 | 1 | $12,336.60 | $1,868.04 | $1,028.05 | $155.67 | 12.323% | 12.323% | 12.323% | 02/07/2025 | 816 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Guaranteed Rate | $1,640.00 | 6.880% | $9,875.00 | 2.0 | None | N/A | No | 7.250% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 03/01/2055 | $281,932.98 | 32.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 53.11 | Retail | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251001 | Non QM | Yes | No | $10,295.00 | $12,870.50 | 8.452% | $2,672.99 | $2,672.99 | 8.125% | No | No | Self-Employed | US Citizen | $51,473.97 | 1 | $6,946.32 | $1,989.00 | $578.86 | $165.75 | 9.786% | 9.786% | 9.786% | 01/07/2025 | 712 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2022 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | HomeBridge | $10,295.00 | 6.730% | $0.00 | 3.1 | None | N/A | No | 8.125% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | 04/01/2055 | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 42.03 | Broker | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251013 | Non QM | Yes | No | $2,560.50 | $4,857.50 | 8.263% | $1,952.77 | $1,952.77 | 8.125% | No | No | Self-Employed | US Citizen | $13,166.75 | 1 | $4,738.68 | $1,847.04 | $394.89 | $153.92 | 43.401% | 43.401% | 43.401% | 02/07/2025 | 698 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Guaranteed Rate | $2,560.50 | 6.920% | $0.00 | 1.9 | None | N/A | No | 8.125% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 04/01/2055 | $59,011.95 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 23.59 | Retail | No | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250968 | Non QM | Yes | No | $2,067.25 | $6,141.35 | 7.556% | $1,227.92 | $1,227.92 | 7.250% | No | No | Not Employed | Self-Employed | US Citizen | US Citizen | $12,291.81 | 1 | $4,328.40 | $1,295.04 | $360.70 | $107.92 | 26.013% | 26.013% | 26.013% | 02/19/2025 | 801 | No | Yes | 12 | Business | 100.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2019 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $2,067.25 | 6.880% | $2,500.00 | 3.6 | None | No | No | 7.250% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | 04/01/2055 | $20,000.00 | 6.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 14.47 | Retail | No | No | [Redacted] | $16,613.36 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250837 | Non QM | Yes | No | $15,716.57 | $17,752.82 | 8.248% | $3,387.52 | $3,387.52 | 7.875% | No | No | Self-Employed | US Citizen | $53,541.11 | 1 | $3,969.12 | $1,148.04 | $330.76 | $95.67 | 8.287% | 8.287% | 8.287% | 02/13/2025 | 692 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | HomeBridge | $15,716.57 | 6.870% | $0.00 | 2.8 | None | N/A | No | 7.875% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 04/01/2055 | $6,500.00 | 1.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 16.8 | Broker | Yes | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251038 | Non QM | Yes | No | $1,640.00 | $3,419.75 | 6.926% | $2,791.95 | $2,791.95 | 6.875% | No | No | Employed | US Citizen | $9,020.52 | 1 | $12,952.56 | $2,072.88 | $1,079.38 | $172.74 | 37.844% | 37.844% | 37.844% | 02/27/2025 | 814 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2022 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | Guaranteed Rate | $1,640.00 | 6.850% | $0.00 | 3.5 | None | N/A | No | 6.875% | 3 | 0 | 0 | 3 | 0 | 0.00 | No | 04/01/2055 | $81,679.45 | No | 25 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 20.2 | Retail | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251044 | Non QM | Yes | No | $1,640.00 | $8,916.16 | 7.800% | $7,221.44 | $7,221.44 | 7.750% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $387,893.34 | 1 | $30,066.12 | $1,386.96 | $2,505.51 | $115.58 | 17.261% | 17.261% | 17.261% | 02/07/2025 | 669 | No | Yes | 12 | Business | 100.000% | 80.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 80.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 80.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 80.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 80.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 80.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 80.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 80.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2021 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Guaranteed Rate | $1,640.00 | 6.620% | $25,000.00 | 1.0 | None | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 04/01/2055 | $541,368.68 | 38.000% | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 22.32 | Retail | No | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250817 | Safe Harbor QM (APOR) | Yes | No | $6,101.00 | $10,577.94 | 7.301% | $1,551.99 | $1,551.99 | 6.875% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $7,234.36 | 1 | $3,636.00 | $748.08 | $303.00 | $62.34 | 37.104% | 37.104% | 37.104% | 02/11/2025 | 796 | No | No | [Borrower - | Primary Income - Annuity]; 1099 - 2024 [Coborrower(s) - | Primary Income - Pension]; Award Letter / Continuance Letter - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | $6,101.00 | 6.880% | $0.00 | 1.0 | DU | ApproveEligible | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | No | 04/01/2055 | $1,672,823.98 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Trustee | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 696.78 | Retail | No | No | [Redacted] | $6,533.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251103 | Non QM | Yes | No | $14,615.00 | $16,114.26 | 8.451% | $2,751.62 | $2,751.62 | 8.000% | No | No | Self-Employed | US Citizen | $14,330.73 | 1 | $7,027.32 | $3,187.08 | $585.61 | $265.59 | 41.115% | 41.115% | 41.115% | 12/03/2024 | 705 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; Account Statements - Business - 2025 [Borrower - | Primary Income - P&L Statement Only]; Audited P&L - 2025 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2025 [Borrower - | Primary Income - P&L Statement Only]; Audited P&L - 2024 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2021 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | Arc | $14,615.00 | 6.730% | $0.00 | 1.1 | None | N/A | No | 8.000% | 0 | 0 | 0 | 3 | 0 | 12.00 | No | 04/01/2055 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 50.34 | Retail | No | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250963 | Non QM | Yes | No | $5,597.25 | $6,680.65 | 8.735% | $1,409.93 | $1,409.93 | 8.375% | No | No | Non-Employment Income | US Citizen | $4,724.93 | 1 | $1,967.16 | $1,103.52 | $163.93 | $91.96 | 33.989% | 33.989% | 33.989% | 02/21/2025 | 644 | No | No | [Borrower - | Primary Income - Interest / Dividends]; Account Statements - 2025 [Borrower - | Primary Income - Interest / Dividends]; Other - 2024 [Borrower - | Primary Income - Interest / Dividends]; Other - 2023 [Borrower - | Primary Income - Interest / Dividends]; Other - 2022 |
[Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - No Results Returned - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1040 - 2022 [Borrower]; 4506-C - 2022 [Borrower]; Transcripts (1040) - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | Arc | $5,597.25 | 6.880% | $0.00 | 1.0 | None | N/A | No | 8.375% | 0 | 2 | 0 | 3 | 2 | 0.00 | No | 04/01/2055 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 28.84 | Retail | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251298 | Non QM | Yes | No | $2,023.97 | $4,135.97 | 9.950% | $3,751.27 | $3,751.27 | 9.875% | No | No | Self-Employed | US Citizen | $8,239.29 | 1 | $9,389.52 | $921.00 | $782.46 | $76.75 | 40.788% | 40.788% | 40.788% | 02/19/2025 | 769 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2023 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $2,023.97 | 6.620% | $0.00 | 1.0 | None | N/A | No | 9.875% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | 04/01/2055 | $42,913.26 | 9.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 10.36 | Retail | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251052 | Non QM | Yes | No | $1,640.00 | $3,317.64 | 7.296% | $3,694.67 | $3,694.67 | 7.250% | No | No | Self-Employed | US Citizen | $35,471.65 | 1 | $10,838.64 | $5,313.96 | $903.22 | $442.83 | 15.392% | 15.392% | 15.392% | 03/03/2025 | 800 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Guaranteed Rate | $1,640.00 | 6.730% | $152,500.00 | 1.0 | None | N/A | No | 7.250% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 04/01/2055 | $29,839.11 | 4.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 3.87 | Retail | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251087 | Non QM | Yes | No | $1,640.00 | $3,356.26 | 6.588% | $1,880.40 | $1,880.40 | 6.500% | No | No | Self-Employed | Permanent Resident Alien | $3,805.60 | 1 | $3,500.04 | $1,058.04 | $291.67 | $88.17 | 45.655% | 45.655% | 45.655% | 02/14/2025 | 753 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; Account Statements - Personal - 2025 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 |
Alternative Documentation (A) | 1yr P&L w/o Bank Statements | 0 | 0 | 0 | Guaranteed Rate | $1,640.00 | 6.730% | $4,042.50 | 2.6 | None | N/A | No | 6.500% | 0 | 0 | 0 | 3 | 0 | 12.00 | No | 04/01/2055 | $88,214.05 | 25.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 14.37 | Retail | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251042 | Non QM | Yes | No | $1,650.00 | $5,182.90 | 8.018% | $9,186.73 | $9,186.73 | 8.000% | No | No | Self-Employed | US Citizen | $28,839.07 | 1 | $17,606.04 | $10,164.36 | $1,467.17 | $847.03 | 33.269% | 33.269% | 33.269% | 02/17/2025 | 680 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | New American Funding | $1,650.00 | 6.850% | $0.00 | 5.0 | None | N/A | No | 8.000% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | 04/01/2055 | $635,562.11 | 41.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 28.41 | Retail | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250813 | Non QM | Yes | No | $36,214.88 | $36,993.26 | 7.604% | $5,305.53 | $5,305.53 | 7.125% | No | No | Self-Employed | US Citizen | $16,676.17 | 1 | $11,955.36 | $9,776.04 | $996.28 | $814.67 | 43.712% | 43.712% | 43.712% | 01/24/2025 | 698 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $36,214.88 | 6.650% | $0.00 | 1.4 | None | N/A | No | 7.125% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 04/01/2055 | No | Yes | Commitment | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 49.67 | Retail | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251058 | Non QM | Yes | No | $4,273.20 | $8,806.90 | 7.702% | $2,964.67 | $2,964.67 | 7.500% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $17,681.63 | 1 | $8,015.04 | $1,486.44 | $667.92 | $123.87 | 31.806% | 31.806% | 31.806% | 12/19/2024 | 724 | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Cross Country | $4,273.20 | 6.730% | $7,500.00 | 1.0 | None | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 04/01/2055 | $165,109.60 | 31.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 12.1 | Retail | Yes | No | [Redacted] | $12,964.30 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251096 | Non QM | Yes | No | $2,025.25 | $3,857.72 | 7.432% | $1,313.19 | $1,313.19 | 7.250% | No | No | Employed | Employed | US Citizen | US Citizen | $12,186.44 | 1 | $3,822.96 | $1,279.80 | $318.58 | $106.65 | 39.454% | 39.454% | 39.454% | 793 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2022 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2022 [Coborrower(s) - | Primary Income - Wages]; Other - 2025 [Coborrower(s) - | Primary Income - Wages]; Other - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2022 |
[Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; Transcripts (1040) - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; Transcripts (1040) - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | Arc | $2,025.25 | 6.730% | $7,200.00 | 5.0 | None | N/A | No | 7.250% | 3 | 3 | 1 | 0 | 3 | 2 | 0.00 | No | 04/01/2055 | $81,968.23 | 30.000% | No | 26 | 26 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 14.1 | Retail | No | No | [Redacted] | $0.00 | $12,594.67 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251053 | Non QM | Yes | No | $1,790.00 | $4,218.10 | 6.803% | $4,929.35 | $4,929.35 | 6.750% | No | No | Self-Employed | US Citizen | $25,559.32 | 1 | $4,628.04 | $2,354.04 | $385.67 | $196.17 | 24.663% | 24.663% | 24.663% | 02/18/2025 | 742 | No | Yes | 48 | Business | 100.000% | 100.000% | [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | New American Funding | $1,790.00 | 6.730% | $0.00 | 1.0 | None | N/A | No | 6.750% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | 04/01/2055 | $2,035.83 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 139.41 | Retail | No | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251080 | Non QM | Yes | No | $2,381.56 | $3,784.22 | 7.725% | $2,555.14 | $2,555.14 | 7.625% | No | No | Self-Employed | US Citizen | $12,949.10 | 1 | $7,262.52 | $3,308.64 | $605.21 | $275.72 | 36.237% | 36.237% | 36.237% | 03/06/2025 | 662 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2024 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $2,381.56 | 6.730% | $0.00 | 1.0 | None | N/A | No | 7.625% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | 04/01/2055 | $146,618.34 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 57.91 | Retail | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251019 | Non QM | Yes | No | $20,895.00 | $21,877.35 | 8.618% | $7,429.71 | $7,429.71 | 8.375% | No | No | Self-Employed | US Citizen | $47,849.14 | 1 | $6,392.28 | $3,651.00 | $532.69 | $304.25 | 20.283% | 20.283% | 20.283% | 02/14/2025 | 790 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2017 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2017 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $20,895.00 | 6.620% | $0.00 | 1.0 | None | N/A | No | 8.375% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 04/01/2055 | $257,038.75 | 22.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 18.77 | Retail | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250824 | Non QM | Yes | No | $1,640.00 | $3,573.83 | 6.934% | $3,284.64 | $3,284.64 | 6.875% | No | No | Not Employed | Employed | US Citizen | US Citizen | $122,644.98 | 1 | $18,108.72 | $5,121.72 | $1,509.06 | $426.81 | 7.551% | 7.551% | 7.551% | 792 | No | No | [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2022 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | Guaranteed Rate | $1,640.00 | 6.730% | $0.00 | 3.0 | None | N/A | No | 6.875% | 0 | 3 | 0 | 0 | 3 | 0 | 0.00 | No | 04/01/2055 | $5,194,718.69 | 100.000% | Yes | 25 | Yes | Commitment | Fee Simple | Individual | Trustee | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 510.71 | Retail | No | No | [Redacted] | $0.00 | $132,662.53 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251085 | Non QM | Yes | No | $3,043.75 | $3,591.69 | 7.432% | $2,201.53 | $2,201.53 | 7.375% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $200,062.34 | 1 | $2,359.20 | $1,212.96 | $196.60 | $101.08 | 9.329% | 9.329% | 9.329% | 03/05/2025 | 737 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2016 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2022 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $3,043.75 | 6.730% | $8,500.00 | 2.6 | None | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 05/01/2055 | $158,985.75 | 37.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 19.19 | Retail | No | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251060 | Non QM | Yes | No | $2,025.25 | $5,389.93 | 7.403% | $2,319.40 | $2,319.40 | 7.250% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $4,896.23 | 1 | $4,436.40 | $2,120.04 | $369.70 | $176.67 | 42.828% | 42.828% | 42.828% | 02/27/2025 | 762 | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2024 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2024 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $2,025.25 | 6.730% | $0.00 | 1.4 | None | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 04/01/2055 | $758,071.07 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 197.33 | Retail | No | [Redacted] | $4,282.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251026 | Non QM | Yes | No | $2,390.00 | $3,717.66 | 7.816% | $1,390.52 | $1,390.52 | 7.500% | No | No | Self-Employed | US Citizen | $17,205.38 | 1 | $6,399.96 | $1,887.00 | $533.33 | $157.25 | 28.186% | 28.186% | 28.186% | 03/20/2025 | 741 | No | Yes | 12 | Business | 100.000% | 99.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2009 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $2,390.00 | 6.230% | $0.00 | 1.0 | None | N/A | No | 7.500% | 0 | 0 | 0 | 4 | 0 | 12 | 0.00 | No | 05/01/2040 | $539,174.48 | 84.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 16.65 | Retail | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251065 | N/A | No | No | $1,097.26 | $1,097.26 | 7.750% | No | No | US Citizen | 1 | $2,263.08 | $599.04 | $188.59 | $49.92 | 0.000% | 0.000% | 0.000% | 01/15/2025 | 778 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 1.1 | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.2 | 0.84 | 04/01/2055 | $66,501.92 | 30.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 5.92 | Retail | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251097 | N/A | No | No | $2,192.26 | $2,192.26 | 6.750% | No | No | US Citizen | 1 | $5,075.52 | $2,210.04 | $422.96 | $184.17 | 0.000% | 0.000% | 0.000% | 01/07/2025 | 771 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 1.0 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | 04/01/2055 | No | Yes | Short Form | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 32.41 | Retail | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251061 | N/A | No | No | $1,583.78 | $1,583.78 | 6.500% | No | No | 0 | US Citizen | US Citizen | 1 | $4,610.76 | $1,225.20 | $384.23 | $102.10 | 0.000% | 0.000% | 0.000% | 02/06/2025 | 759 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | First Colony Mortgage | $0.00 | 1.5 | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | 240 | 04/01/2055 | $219,188.91 | 60.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 82.33 | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251002 | N/A | No | No | $14,971.13 | 7.812% | $3,446.07 | $3,446.07 | 7.875% | No | No | Employed | US Citizen | $11,414.11 | 1 | $10,513.80 | $381.00 | $876.15 | $31.75 | 27.911% | 27.911% | 27.911% | 11/27/2024 | 780 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024 |
[Borrower]; Transcripts (1040) - No Results Returned - 2024 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | First Colony Mortgage Corporation | $14,971.13 | 6.880% | $12,425.00 | 999.0 | None | N/A | No | 7.875% | 1 | 0 | 0 | 4 | 1 | 0.00 | No | 04/01/2055 | $222,637.26 | 35.000% | No | 3 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 8.72 | Retail | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250574 | N/A | No | No | $1,073.85 | $1,073.85 | 8.750% | No | No | US Citizen | 1 | $1,228.44 | $1,395.00 | $102.37 | $116.25 | 0.000% | 0.000% | 0.000% | 01/03/2025 | 664 | No | No | DSCR | 0 | 0 | 0 | Yes | ClearEdge Lending | $0.00 | N/A | No | 8.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.16 | 0.86 | 03/01/2055 | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 98.26 | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250597 | N/A | No | No | $1,311.98 | $1,311.98 | 6.875% | No | No | US Citizen | 1 | $4,294.20 | $908.04 | $357.85 | $75.67 | 0.000% | 0.000% | 0.000% | 01/20/2025 | 738 | No | No | DSCR | 0 | 0 | 0 | No | ClearEdge Lending | $0.00 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | 240 | 03/01/2055 | No | Yes | Short Form | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 57.58 | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250626 | Non QM | Yes | No | $23,606.76 | $13,956.79 | 8.114% | $3,590.54 | $3,590.54 | 7.875% | No | No | Self-Employed | US Citizen | $78,701.54 | 1 | $11,013.12 | $1,508.04 | $917.76 | $125.67 | 6.920% | 6.920% | 6.920% | 01/24/2025 | 738 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | ClearEdge Lending | $23,606.76 | 6.980% | $0.00 | 1.5 | None | Yes | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | 03/01/2055 | $41,280.40 | 7.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 15.34 | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251422 | Safe Harbor QM (APOR) | Yes | No | $33,295.00 | $38,434.39 | 6.845% | $10,180.94 | $10,180.94 | 6.625% | No | No | Self-Employed | US Citizen | $106,238.66 | 1 | $44,726.76 | $5,436.96 | $3,727.23 | $453.08 | 16.156% | 16.156% | 16.156% | 03/13/2025 | 741 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $33,295.00 | 6.620% | $0.00 | 4.2 | None | N/A | No | 6.625% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | Not Stated | 05/01/2055 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 55.86 | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251411 | Safe Harbor QM (APOR) | Yes | No | $17,853.13 | $20,301.93 | 8.119% | $5,906.76 | $5,906.76 | 7.875% | No | No | Self-Employed | US Citizen | $68,071.24 | 1 | $19,174.80 | $1,550.40 | $1,597.90 | $129.20 | 26.077% | 26.077% | 26.077% | 01/14/2025 | 731 | No | Yes | 24 | Business | 100.000% | 30.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 30.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 30.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 30.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 30.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 30.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 30.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2016 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 30.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 30.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 30.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 30.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 30.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 30.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2013 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 1 | 0 | 0 | Arc | $17,853.13 | 6.620% | $0.00 | 1.7 | None | N/A | No | 7.875% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | No | 05/01/2055 | $828,127.65 | 81.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 97.48 | No | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251277 | N/A | No | No | $5,531.36 | $5,531.36 | 6.625% | No | No | US Citizen | 3 | $10,446.84 | $2,805.00 | $870.57 | $233.75 | 0.000% | 0.000% | 0.000% | 03/28/2025 | 804 | No | No | DSCR | 0 | 0 | 0 | Yes | ARCHome | $0.00 | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.36 | 0.74 | 05/01/2040 | $848,338.95 | 59.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 9.96 | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251307 | N/A | No | No | $4,244.43 | $4,244.43 | 7.125% | No | No | US Citizen | 1 | $18,417.12 | $2,381.64 | $1,534.76 | $198.47 | 0.000% | 0.000% | 0.000% | 12/30/2024 | 733 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 1.6 | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | 05/01/2055 | $122,599.42 | 13.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 37.85 | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251296 | N/A | No | No | $4,736.46 | $4,736.46 | 6.875% | No | No | US Citizen | 2 | $5,062.44 | $3,192.00 | $421.87 | $266.00 | 0.000% | 0.000% | 0.000% | 02/12/2025 | 809 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.2 | 0.83 | 05/01/2055 | $658,734.69 | 59.000% | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 40.19 | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251254 | N/A | No | No | $1,898.52 | $1,898.52 | 6.875% | No | No | US Citizen | 1 | $11,807.04 | $1,379.04 | $983.92 | $114.92 | 0.000% | 0.000% | 0.000% | 03/18/2025 | 768 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 1.1 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | 05/01/2055 | $156,382.33 | 42.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 21.62 | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251439 | N/A | No | No | $4,080.68 | $4,080.68 | 7.750% | No | No | US Citizen | 1 | $9,316.92 | $5,901.96 | $776.41 | $491.83 | 0.000% | 0.000% | 0.000% | 03/27/2025 | 767 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 2.6 | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.22 | 0.82 | 05/01/2055 | $443,237.06 | 62.000% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 52.65 | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251101 | Non QM | Yes | No | $1,695.00 | $4,382.79 | 7.395% | $9,531.32 | $9,531.32 | 7.375% | No | No | Employed | Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | India | India | $16,876.37 | 1 | $21,562.56 | $1,543.32 | $1,796.88 | $128.61 | 47.358% | 47.358% | 47.358% | 03/06/2025 | 744 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1040 - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 1040 - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | New American Funding | $1,695.00 | 6.620% | $320,000.00 | 1.0 | None | N/A | No | 7.375% | 1 | 1 | 2 | 0 | 3 | 0 | 0.00 | No | 04/01/2055 | $148,421.22 | 9.000% | No | 26 | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | VISA | VISA | 8.44 | Retail | No | No | [Redacted] | $0.00 | $12,333.34 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251056 | Non QM | Yes | No | $12,904.49 | $13,570.49 | 6.955% | $1,820.36 | $1,820.36 | 6.500% | No | No | Employed | US Citizen | $2,686.18 | 1 | $1,957.80 | $1,133.04 | $163.15 | $94.42 | 49.535% | 49.535% | 49.535% | 01/29/2025 | 787 | No | No | [Borrower - | Primary Income - Wages]; Other - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Non-Primary Income - Social Security]; Account Statements - 2025 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Borrower - | Non-Primary Income - Social Security]; Other - 2025 [Borrower - | Non-Primary Income - Social Security]; Other - 2025 [Borrower - | Non-Primary Income - Foster Care]; Other - 2025 [Borrower - | Non-Primary Income - Foster Care]; Award Letter / Continuance Letter - 2020 [Borrower - | Non-Primary Income - Foster Care]; Award Letter / Continuance Letter - 2018 [Borrower - | Non-Primary Income - Foster Care]; Award Letter / Continuance Letter - 2018 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | Arc | $12,904.49 | 6.730% | $0.00 | 1.9 | None | N/A | No | 6.500% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | 04/01/2055 | $142,249.04 | 37.000% | No | 16 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 11.85 | Retail | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251050 | Non QM | Yes | No | $3,270.25 | $5,283.01 | 7.349% | $3,410.88 | $3,410.88 | 7.250% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $45,846.76 | 1 | $4,038.48 | $1,880.04 | $336.54 | $156.67 | 19.027% | 19.027% | 19.027% | 753 | No | Yes | 12 | Business | 100.000% | 49.000% | 51.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $3,270.25 | 6.730% | $0.00 | 1.8 | None | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | 04/01/2055 | No | Yes | Commitment | Fee Simple | Individual | Trustee | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 126.12 | Retail | No | No | [Redacted] | $28,875.92 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251099 | Non QM | Yes | No | $2,345.00 | $8,151.71 | 6.891% | $1,664.81 | $1,664.81 | 6.625% | No | No | Self-Employed | Permanent Resident Alien | $13,018.33 | 1 | $4,389.36 | $2,129.88 | $365.78 | $177.49 | 20.365% | 20.365% | 20.365% | 02/06/2025 | 752 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Expense Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $2,345.00 | 6.730% | $0.00 | 1.3 | None | N/A | No | 6.625% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | Yes | 05/01/2055 | $7,642.56 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | No | 3.17 | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250966 | N/A | No | No | $1,720.07 | $1,720.07 | 7.500% | No | No | US Citizen | 1 | $1,524.48 | $776.76 | $127.04 | $64.73 | 0.000% | 0.000% | 0.000% | 02/19/2025 | 754 | No | No | DSCR | 0 | 0 | 0 | No | First Colony Mortgage | $0.00 | 1.0 | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.1 | 0.91 | 04/01/2055 | $20,706.03 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 9.64 | Retail | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251062 | N/A | No | No | $1,693.94 | $1,693.94 | 7.000% | No | No | 0 | US Citizen | US Citizen | 1 | $4,579.20 | $1,225.20 | $381.60 | $102.10 | 0.000% | 0.000% | 0.000% | 02/06/2025 | 759 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | First Colony Mortgage | $0.00 | 4.1 | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | 240 | 04/01/2055 | $268,598.14 | 74.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 71.45 | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251034 | N/A | No | No | $1,484.66 | $1,484.66 | 6.875% | No | No | US Citizen | 1 | $7,478.64 | $2,174.52 | $623.22 | $181.21 | 0.000% | 0.000% | 0.000% | 03/04/2025 | 745 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 1.2 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.31 | 0.76 | 05/01/2055 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 47.46 | Retail | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251251 | N/A | No | No | $4,204.71 | $4,204.71 | 7.000% | No | No | Permanent Resident Alien | US Citizen | 1 | $10,582.20 | $1,542.24 | $881.85 | $128.52 | 0.000% | 0.000% | 0.000% | 02/20/2025 | 743 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 1.0 | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.11 | 0.9 | 05/01/2055 | $67,190.74 | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | No | 12.26 | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251280 | N/A | No | No | $6,696.79 | $6,696.79 | 7.375% | No | No | Permanent Resident Alien | 1 | $19,568.16 | $5,723.16 | $1,630.68 | $476.93 | 0.000% | 0.000% | 0.000% | 03/03/2025 | 722 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 1.0 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.01 | 0.5 | 05/01/2055 | $405,252.60 | 33.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 14.65 | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251330 | N/A | No | No | $2,022.62 | $2,022.62 | 6.500% | No | No | Permanent Resident Alien | 2 | $10,419.48 | $1,140.96 | $868.29 | $95.08 | 0.000% | 0.000% | 0.000% | 03/10/2025 | 754 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.37 | 0.73 | 05/01/2055 | $531,150.22 | 97.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 96.76 | Retail | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251367 | Safe Harbor QM (APOR) | Yes | No | $8,523.63 | $83.71 | 7.621% | $2,304.22 | $2,304.22 | 7.625% | No | No | Self-Employed | US Citizen | $19,491.39 | 1 | $6,436.56 | $2,056.08 | $536.38 | $171.34 | 16.135% | 16.135% | 16.135% | 03/24/2025 | 746 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $8,523.63 | 6.700% | $20,849.09 | 1.1 | None | N/A | No | 7.625% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | Not Stated | 05/01/2055 | $5,000.00 | 1.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | 24.26 | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251242 | Safe Harbor QM (APOR) | Yes | No | $20,182.50 | $22,394.14 | 7.936% | $5,290.76 | $5,290.76 | 7.625% | No | No | Self-Employed | US Citizen | $12,985.05 | 1 | $22,270.56 | $3,119.04 | $1,855.88 | $259.92 | 37.744% | 37.744% | 37.744% | 04/11/2025 | 703 | No | No | Third Party Prepared | [Borrower - | Non-Primary Income - P&L Statement Only]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - P&L Statement Only]; Audited P&L - 2025 [Borrower - | Non-Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Non-Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Non-Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Non-Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Non-Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Non-Primary Income - P&L Statement Only]; Third Party Verification - 2025 [Borrower - | Primary Income - P&L Statement Only]; Account Statements - Business - 2025 [Borrower - | Primary Income - P&L Statement Only]; Audited P&L - 2025 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | Arc | $20,182.50 | 6.620% | $0.00 | 1.0 | None | N/A | No | 7.625% | 0 | 0 | 0 | 3 | 0 | 12.00 | No | Not Stated | 05/01/2055 | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 74.71 | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251384 | Non QM | Yes | No | $18,584.56 | $7,885.56 | 8.420% | $3,335.62 | $3,335.62 | 8.250% | No | No | Self-Employed | US Citizen | $51,066.63 | 1 | $2,223.00 | $2,334.96 | $185.25 | $194.58 | 8.735% | 8.735% | 8.735% | 02/06/2025 | 688 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $18,584.56 | 6.620% | $0.00 | 2.9 | None | N/A | No | 8.250% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 05/01/2055 | $24,746.65 | 4.000% | No | Yes | Short Form | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 37.68 | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251428 | N/A | No | No | $1,885.18 | $1,885.18 | 7.875% | No | No | 0 | US Citizen | US Citizen | 1 | $3,558.24 | $690.96 | $296.52 | $57.58 | 0.000% | 0.000% | 0.000% | 04/15/2025 | 705 | Level 2-Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 1.0 | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.07 | 0.93 | 05/01/2055 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 109.4 | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251321 | N/A | No | No | $1,476.32 | $1,476.32 | 7.375% | No | No | 0 | US Citizen | US Citizen | 1 | $3,577.92 | $2,218.80 | $298.16 | $184.90 | 0.000% | 0.000% | 0.000% | 03/10/2025 | 771 | Level 3-Stated/Partially Verified | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 1.0 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.28 | 0.78 | 05/01/2055 | $117,918.88 | 41.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 18.8 | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251297 | Safe Harbor QM (APOR) | Yes | No | $15,228.28 | $16,849.75 | 7.531% | $4,174.92 | $4,174.92 | 7.250% | No | No | Self-Employed | Permanent Resident Alien | $9,790.63 | 1 | $13,342.56 | $2,001.00 | $1,111.88 | $166.75 | 37.381% | 37.381% | 37.381% | 02/26/2025 | 783 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | Arc | $15,228.28 | 6.620% | $0.00 | 1.0 | None | N/A | No | 7.250% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | Not Stated | 05/01/2055 | $75,622.24 | 10.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 8.8 | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251415 | Safe Harbor QM (APOR) | Yes | No | $14,797.00 | $15,457.00 | 7.338% | $12,099.08 | $12,099.08 | 7.250% | No | No | Self-Employed | US Citizen | $44,178.69 | 1 | $28,204.56 | $8,106.00 | $2,350.38 | $675.50 | 42.339% | 42.339% | 42.339% | 02/22/2025 | 721 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $14,797.00 | 6.850% | $75,000.00 | 1.5 | None | N/A | No | 7.250% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | Not Stated | 05/01/2055 | $175,862.11 | 8.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 11.95 | Yes | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251376 | N/A | No | No | $4,018.43 | $4,018.43 | 7.000% | No | No | US Citizen | US Citizen | 1 | $11,892.48 | $1,536.24 | $991.04 | $128.02 | 0.000% | 0.000% | 0.000% | 03/05/2025 | 780 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 999.0 | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.13 | 0.89 | 05/01/2055 | $234,332.41 | 30.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 14.95 | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251286 | N/A | No | No | $1,909.42 | $1,909.42 | 7.000% | No | No | US Citizen | 1 | $2,841.48 | $1,548.96 | $236.79 | $129.08 | 0.000% | 0.000% | 0.000% | 01/31/2025 | 796 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 1.0 | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | 06/01/2055 | $4,500.00 | 1.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 50.14 | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251291 | N/A | No | No | $3,592.63 | $3,592.63 | 7.000% | No | No | US Citizen | 1 | $13,601.16 | $2,549.04 | $1,133.43 | $212.42 | 0.000% | 0.000% | 0.000% | 03/26/2025 | 805 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 1.0 | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.32 | 0.76 | 06/01/2055 | $44,988.71 | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 9.11 | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251378 | Safe Harbor QM (APOR) | Yes | No | $7,687.00 | $13,965.16 | 7.346% | $6,139.59 | $6,139.59 | 7.250% | No | No | Self-Employed | US Citizen | $32,442.84 | 1 | $23,995.92 | $7,009.80 | $1,999.66 | $584.15 | 38.758% | 38.758% | 38.758% | 03/27/2025 | 752 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $7,687.00 | 6.620% | $7,500.00 | 3.6 | None | N/A | No | 7.250% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | Not Stated | 06/01/2055 | $425,429.91 | 38.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 20.87 | Yes | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251389 | N/A | No | No | $2,808.37 | $2,808.37 | 6.875% | No | No | US Citizen | 1 | $10,386.12 | $2,277.96 | $865.51 | $189.83 | 0.000% | 0.000% | 0.000% | 03/28/2025 | 800 | No | No | DSCR | 0 | 0 | 0 | Yes | ARCHome | $0.00 | 1.0 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.06 | 0.94 | 06/01/2055 | $249,141.47 | 44.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 21.07 | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250596 | Non QM | Yes | No | $11,668.19 | $16,212.60 | 7.298% | $5,346.19 | $5,346.19 | 7.125% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $13,306.63 | 1 | $20,610.12 | $1,383.96 | $1,717.51 | $115.33 | 43.497% | 43.497% | 43.497% | 784 | No | No | [Borrower - | Primary Income - Sole Proprietor]; Account Statements - Business - 2025 [Borrower - | Primary Income - Sole Proprietor]; Other - 2025 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2025 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2025 [Borrower - | Primary Income - Sole Proprietor]; Other - 2024 [Borrower - | Primary Income - Sole Proprietor]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 1yr 1099 | 0 | 0 | 0 | ClearEdge Lending | $11,668.19 | 7.070% | $15,000.00 | 1.0 | None | N/A | No | 7.125% | 1 | 0 | 0 | 0 | 2 | 0 | No | 03/01/2055 | $713,213.32 | 49.000% | No | 8 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 7.94 | No | No | [Redacted] | $0.00 | $12,500.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250634 | N/A | No | No | $13,170.00 | $14,691.75 | 8.038% | $1,914.10 | $1,914.10 | 7.500% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $5,150.28 | 1 | $6,417.60 | $2,247.00 | $534.80 | $187.25 | 41.448% | 41.448% | 41.448% | 01/27/2025 | 714 | No | No | [Borrower - | Primary Income - Pension]; Award Letter / Continuance Letter - 2024 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Borrower - | Non-Primary Income - Social Security]; 1099-SSA - 2024 [Coborrower(s) - | Primary Income - Pension]; Award Letter / Continuance Letter - 2021 [Coborrower(s) - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Coborrower(s) - | Non-Primary Income - Social Security]; 1099-SSA - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | ClearEdge Lending | $13,170.00 | 6.980% | $0.00 | 1.6 | None | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 2 | 1 | 0.00 | No | 03/01/2055 | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 51.61 | No | [Redacted] | $4,454.38 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250650 | Non QM | Yes | No | $11,295.00 | $21,391.79 | 7.782% | $8,720.02 | $8,720.02 | 7.625% | No | No | Self-Employed | US Citizen | $20,060.89 | 1 | $19,250.04 | $8,375.04 | $1,604.17 | $697.92 | 36.641% | 36.641% | 36.641% | 11/20/2024 | 707 | No | No | Audited | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2025 [Borrower - | Primary Income - Sole Proprietor]; Other - 2025 [Borrower - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2024 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | ClearEdge Lending | $11,295.00 | 7.070% | $0.00 | 1.8 | None | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | 03/01/2055 | $137,975.02 | 9.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 12.09 | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250708 | Non QM | Yes | No | $7,965.00 | $9,720.25 | 7.772% | $2,412.29 | $2,412.29 | 7.500% | No | No | Self-Employed | US Citizen | $6,924.92 | 1 | $5,789.52 | $1,707.96 | $482.46 | $142.33 | 45.232% | 45.232% | 45.232% | 685 | No | No | Audited | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2025 [Borrower - | Primary Income - Sole Proprietor]; Other - 2025 [Borrower - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2024 |
Alternative Documentation (A) | 1yr P&L w/o Bank Statements | 0 | 0 | 0 | ClearEdge Lending | $7,965.00 | 6.930% | $0.00 | 1.0 | None | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | 03/01/2055 | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 7.28 | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250682 | Non QM | Yes | No | $20,795.00 | $10,277.95 | 7.603% | $4,875.00 | $6,283.63 | 7.500% | No | No | Non-Employment Income | US Citizen | $17,466.13 | 1 | $15,674.40 | $4,418.16 | $1,306.20 | $368.18 | 43.617% | 39.070% | 43.617% | 01/27/2025 | 776 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2024 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2024 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | ClearEdge Lending | $20,795.00 | 6.930% | $0.00 | 3.3 | None | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | Other | 240 | 03/01/2055 | $1,860,666.46 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 251.46 | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250593 | Non QM | Yes | No | $10,824.00 | $16,529.42 | 7.989% | $4,728.32 | $4,728.32 | 7.750% | No | No | Self-Employed | Permanent Resident Alien | $27,215.14 | 1 | $11,000.04 | $2,090.04 | $916.67 | $174.17 | 29.529% | 29.529% | 29.529% | 12/03/2024 | 694 | No | Yes | 24 | Business | 100.000% | 50.000% | [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 1 | 1 | 0 | ClearEdge Lending | $10,824.00 | 6.930% | $0.00 | 1.8 | DU | ApproveEligible | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | 03/01/2055 | $252,008.01 | 29.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 1.75 | No | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250710 | Non QM | Yes | No | $20,293.00 | $6,178.37 | 7.955% | $4,669.45 | $4,669.45 | 7.875% | No | Yes | Not Employed | Self-Employed | US Citizen | US Citizen | $73,478.87 | 1 | $7,062.84 | $2,545.32 | $588.57 | $212.11 | 9.902% | 9.902% | 9.902% | 780 | No | Yes | 12 | Business | 100.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2023 |
[Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | ClearEdge Lending | $20,293.00 | 6.930% | $0.00 | 1.0 | None | No | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | 03/01/2055 | $121,682.72 | 13.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 11.67 | No | [Redacted] | $81,554.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250689 | N/A | No | No | $3,601.19 | $3,601.19 | 7.990% | No | No | US Citizen | 3 | $5,701.20 | $3,177.00 | $475.10 | $264.75 | 0.000% | 0.000% | 0.000% | 01/17/2025 | 776 | No | No | DSCR | 0 | 0 | 0 | No | ClearEdge Lending | $0.00 | N/A | No | 7.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.34 | 0.75 | 03/01/2055 | $33,778.10 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 50.12 | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250683 | N/A | No | No | $1,217.00 | $1,217.00 | 7.250% | No | No | US Citizen | 1 | $1,671.60 | $702.96 | $139.30 | $58.58 | 0.000% | 0.000% | 0.000% | 01/21/2025 | 749 | No | No | DSCR | 0 | 0 | 0 | No | ClearEdge Lending | $0.00 | 1.0 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.1 | 0.9 | 03/01/2055 | $93,190.80 | 42.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 20.54 | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250610 | N/A | No | No | $1,484.38 | $1,484.38 | 7.125% | No | No | US Citizen | 1 | $9,459.36 | $2,960.04 | $788.28 | $246.67 | 0.000% | 0.000% | 0.000% | 11/21/2024 | 689 | No | No | DSCR | 0 | 0 | 0 | No | ClearEdge Lending | $0.00 | 1.0 | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | 240 | 03/01/2055 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 53.26 | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250652 | N/A | No | No | $1,894.83 | $1,894.83 | 7.125% | No | No | US Citizen | 2 | $828.48 | $1,568.04 | $69.04 | $130.67 | 0.000% | 0.000% | 0.000% | 11/07/2024 | 786 | No | No | DSCR | 0 | 0 | 0 | No | ClearEdge Lending | $0.00 | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.19 | 0.83 | 03/01/2055 | $4,000.00 | 1.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 184.02 | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250685 | N/A | No | No | $1,585.23 | $1,585.23 | 8.125% | No | No | US Citizen | 1 | $1,883.64 | $1,658.04 | $156.97 | $138.17 | 0.000% | 0.000% | 0.000% | 01/14/2025 | 697 | No | No | DSCR | 0 | 0 | 0 | No | ClearEdge Lending | $0.00 | N/A | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.86 | 0.53 | 04/01/2055 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 74.02 | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250611 | N/A | No | No | $1,751.67 | $1,751.67 | 7.125% | No | No | US Citizen | 1 | $8,874.96 | $1,907.52 | $739.58 | $158.96 | 0.000% | 0.000% | 0.000% | 01/20/2025 | 776 | No | No | DSCR | 0 | 0 | 0 | Yes | ClearEdge Lending | $0.00 | 1.0 | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.16 | 0.86 | 03/01/2055 | $510,447.39 | 72.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 14.55 | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250579 | N/A | No | No | $924.88 | $924.88 | 7.999% | No | No | US Citizen | 1 | $3,186.36 | $1,050.24 | $265.53 | $87.52 | 0.000% | 0.000% | 0.000% | 01/09/2025 | 767 | No | No | DSCR | 0 | 0 | 0 | Yes | ClearEdge Lending | $0.00 | 1.0 | N/A | No | 7.999% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.21 | 0.82 | 240 | 04/01/2055 | $0.00 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 95.57 | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251288 | N/A | No | No | $9,979.54 | $9,979.54 | 7.000% | No | No | US Citizen | 4 | $43,047.00 | $4,052.04 | $3,587.25 | $337.67 | 0.000% | 0.000% | 0.000% | 01/24/2025 | 804 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.12 | 0.89 | 06/01/2055 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 22.52 | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251327 | N/A | No | No | $1,549.63 | $1,549.63 | 7.250% | No | No | US Citizen | 1 | $2,570.52 | $801.00 | $214.21 | $66.75 | 0.000% | 0.000% | 0.000% | 04/14/2025 | 781 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 1.0 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.12 | 0.89 | 06/01/2055 | $223,609.11 | 79.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 86.94 | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251348 | N/A | No | No | $6,992.15 | $6,992.15 | 7.500% | No | No | US Citizen | 1 | $37,716.60 | $3,841.08 | $3,143.05 | $320.09 | 0.000% | 0.000% | 0.000% | 04/03/2025 | 806 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 1.4 | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.46 | 0.69 | 06/01/2055 | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Trustee | No | Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 87.8 | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251247 | N/A | No | No | $2,528.27 | $2,528.27 | 6.500% | No | No | US Citizen | 1 | $5,642.16 | $1,602.00 | $470.18 | $133.50 | 0.000% | 0.000% | 0.000% | 03/19/2025 | 799 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 1.0 | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | 06/01/2055 | $218,970.15 | 44.000% | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 41.33 | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251338 | Safe Harbor QM (APOR) | Yes | No | $12,745.00 | $15,743.88 | 7.051% | $2,918.69 | $2,918.69 | 6.750% | No | No | Self-Employed | Employed | Permanent Resident Alien | Permanent Resident Alien | $14,409.86 | 1 | $12,449.28 | $1,548.00 | $1,037.44 | $129.00 | 39.028% | 39.028% | 39.028% | 03/27/2025 | 800 | No | Yes | 24 | Personal | 62.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | Arc | $12,745.00 | 6.880% | $1,000.00 | 1.5 | None | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | Not Stated | 06/01/2055 | $558,586.44 | 66.000% | No | 18 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | Resident Alien Card | 34.12 | Yes | No | [Redacted] | $0.00 | $9,056.26 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251311 | Non QM | Yes | No | $6,439.00 | $18,254.39 | 8.468% | $12,161.16 | $12,161.16 | 8.375% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $100,423.68 | 1 | $11,527.44 | $4,140.48 | $960.62 | $345.04 | 21.478% | 21.478% | 21.478% | 11/04/2024 | 703 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2024 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2022 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $6,439.00 | 6.880% | $500.00 | 2.5 | None | N/A | No | 8.375% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | 01/01/2055 | $494,766.02 | 24.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 16.39 | Retail | No | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251267 | Non QM | Yes | No | $5,110.00 | $6,254.94 | 7.913% | $1,104.76 | $1,104.76 | 7.500% | No | No | Non-Employment Income | US Citizen | $5,417.26 | 1 | $0.00 | $1,005.96 | $0.00 | $83.83 | 27.401% | 27.401% | 27.401% | 09/09/2024 | 688 | No | No | [Borrower - | Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2024 [Borrower - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2024 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2024 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | Arc | $5,110.00 | 6.630% | $0.00 | 5.0 | None | N/A | No | 7.500% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | 01/01/2055 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 28.92 | Retail | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251266 | Non QM | Yes | No | $1,991.88 | $5,285.52 | 7.663% | $2,228.75 | $2,228.75 | 7.500% | No | No | Self-Employed | US Citizen | $78,762.45 | 1 | $9,924.12 | $1,319.04 | $827.01 | $109.92 | 39.919% | 39.919% | 39.919% | 12/13/2024 | 730 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Cross Country | $1,991.88 | 6.650% | $0.00 | 2.5 | None | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | 04/01/2055 | $94,768.55 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 47.53 | Retail | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251342 | Non QM | Yes | No | $1,395.00 | $2,892.06 | 7.302% | $3,710.49 | $3,710.49 | 7.250% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $31,055.43 | 1 | $3,596.88 | $1,368.00 | $299.74 | $114.00 | 16.217% | 16.217% | 16.217% | 803 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; 4506-C (for Business) - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; 4506-C (for Business) - 2022 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2022 |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | Arc | $1,395.00 | 6.650% | $6,799.00 | 2.6 | None | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | 04/01/2055 | $163,751.90 | 24.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 23.52 | Retail | Yes | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251253 | Non QM | Yes | No | $13,500.00 | $18,705.96 | 7.716% | $5,069.31 | $5,069.31 | 7.500% | No | No | Self-Employed | US Citizen | $30,902.84 | 1 | $11,952.60 | $2,733.96 | $996.05 | $227.83 | 18.540% | 18.540% | 18.540% | 03/24/2025 | 698 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Expense Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $13,500.00 | 6.660% | $0.00 | 1.0 | None | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | Yes | 05/01/2055 | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 18.14 | Retail | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251268 | Non QM | Yes | No | $11,017.75 | $12,398.62 | 9.585% | $5,614.31 | $5,614.31 | 9.375% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $84,433.93 | 1 | $4,943.16 | $1,005.96 | $411.93 | $83.83 | 12.346% | 12.346% | 12.346% | 02/10/2025 | 716 | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 19.35000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 19.35000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 19.35000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 19.35000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 19.35000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 19.35000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 19.35000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 19.35000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 19.35000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Expense Letter - 2024 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2024 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Guaranteed Rate | $11,017.75 | 6.660% | $0.00 | 2.7 | None | N/A | No | 9.375% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | Yes | 04/01/2055 | $279,445.70 | 37.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 26.22 | Retail | No | [Redacted] | $48,163.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251302 | Non QM | Yes | No | $5,166.20 | $9,401.58 | 6.620% | $3,413.17 | $3,413.17 | 6.500% | No | No | Employed | Not Employed | US Citizen | US Citizen | $10,205.01 | 1 | $16,437.48 | $2,238.96 | $1,369.79 | $186.58 | 35.678% | 35.678% | 35.678% | 794 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2022 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | Guaranteed Rate | $5,166.20 | 6.620% | $0.00 | 1.5 | None | N/A | No | 6.500% | 2 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | 05/01/2055 | $1,993,375.76 | 100.000% | No | 14 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 214.98 | Retail | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251303 | Non QM | Yes | No | $1,395.00 | $4,063.90 | 7.210% | $2,075.05 | $2,075.05 | 7.125% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $10,340.55 | 1 | $539.28 | $1,025.04 | $44.94 | $85.42 | 21.573% | 21.573% | 21.573% | 03/04/2025 | 748 | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Expense Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2022 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; 4506-C (for Business) - 2024 [Coborrower(s) - | Primary Income - Shared Bank Statements]; 4506-C (for Business) - 2023 [Coborrower(s) - | Primary Income - Shared Bank Statements]; 4506-C (for Business) - 2022 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2021 [Coborrower]; 4506-C - 2020 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $1,395.00 | 6.650% | $4,000.00 | 1.0 | None | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 5 | 0 | 12 | 0.00 | Yes | 05/01/2055 | $81,124.93 | 21.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 59.53 | Retail | No | [Redacted] | $6,592.48 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251369 | Non QM | Yes | No | $1,495.00 | $6,400.91 | 7.671% | $4,746.46 | $4,746.46 | 7.625% | No | No | Not Employed | Self-Employed | US Citizen | US Citizen | $10,130.48 | 1 | $11,004.36 | $4,215.84 | $917.03 | $351.32 | 43.520% | 43.520% | 43.520% | 786 | No | No | [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; Balance Sheet - 2025 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; P&L Statement - 2025 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; P&L Statement - 2024 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; K-1 - 2023 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; 1065 - 2022 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; K-1 - 2022 |
[Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1040 - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 1040 - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | New American Funding | $1,495.00 | 6.650% | $0.00 | 1.7 | None | N/A | No | 7.625% | 0 | 0 | 2 | 0 | 2 | 0 | 0.00 | No | 05/01/2055 | No | Yes | Short Form | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 109.15 | Retail | No | No | [Redacted] | $16,523.79 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251295 | Non QM | Yes | No | $9,220.00 | $1,369.80 | 7.412% | $4,268.37 | $4,268.37 | 7.375% | No | No | Self-Employed | US Citizen | $17,493.81 | 1 | $5,286.12 | $1,670.04 | $440.51 | $139.17 | 28.610% | 28.610% | 28.610% | 02/24/2025 | 711 | No | Yes | 12 | Personal | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $9,220.00 | 6.660% | $0.00 | 1.0 | None | N/A | No | 7.375% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 04/01/2055 | $75,174.87 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 15.51 | No | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251426 | Non QM | Yes | No | $23,895.10 | $31,092.95 | 7.956% | $9,177.24 | $9,177.24 | 7.750% | No | No | Non-Employment Income | US Citizen | $33,798.19 | 1 | $28,275.96 | $5,424.00 | $2,356.33 | $452.00 | 0.000% | 0.000% | 0.000% | 03/31/2025 | 669 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | ARCHome | $23,895.10 | 6.650% | $0.00 | 2.5 | None | N/A | No | 7.750% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | 60 | 05/01/2055 | $4,672,860.38 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 112.98 | Retail | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251349 | Non QM | Yes | No | $14,909.63 | $19,208.97 | 6.689% | $5,119.12 | $5,119.12 | 6.500% | No | No | Self-Employed | US Citizen | $13,707.24 | 1 | $8,561.04 | $1,884.48 | $713.42 | $157.04 | 38.735% | 38.735% | 38.735% | 01/29/2025 | 734 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Expense Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2007 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $14,909.63 | 6.730% | $0.00 | 4.5 | None | N/A | No | 6.500% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | Yes | 05/01/2055 | $288,356.31 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 47.34 | Broker | No | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251318 | Non QM | Yes | No | $3,125.88 | $416.93 | 7.212% | $1,790.71 | $1,790.71 | 7.250% | No | No | Not Employed | Self-Employed | US Citizen | US Citizen | $9,881.27 | 1 | $1,618.92 | $1,112.04 | $134.91 | $92.67 | 38.235% | 38.235% | 38.235% | 03/21/2025 | 773 | No | Yes | 12 | Business | 100.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $3,125.88 | 6.660% | $9,637.18 | 1.0 | None | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 05/01/2055 | $19,467.47 | 6.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 26 | Retail | Yes | No | [Redacted] | $15,998.07 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251344 | Non QM | Yes | No | $4,065.00 | $7,047.09 | 7.217% | $3,267.53 | $3,267.53 | 7.125% | No | No | Not Employed | Self-Employed | US Citizen | US Citizen | $6,799.92 | 1 | $10,700.04 | $17,020.80 | $891.67 | $1,418.40 | 46.014% | 46.014% | 46.014% | 03/17/2025 | 744 | No | Yes | 24 | Business | 100.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 26.30000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 26.30000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 26.30000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 26.30000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Expense Letter - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 26.30000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 26.30000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 26.30000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 26.30000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2009 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 43.80000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 43.80000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2025 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 43.80000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2025 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 43.80000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Expense Letter - 2025 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 43.80000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 43.80000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 43.80000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 43.80000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2002 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Guaranteed Rate | $4,065.00 | 6.660% | $0.00 | 5.0 | None | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | Yes | 05/01/2055 | $138,058.29 | No | Yes | Commitment | Fee Simple | Individual | Trustee | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 24.75 | Retail | No | No | [Redacted] | $12,595.73 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251335 | Non QM | Yes | No | $1,825.25 | $13,877.59 | 7.112% | $3,251.80 | $3,251.80 | 6.875% | No | No | Self-Employed | US Citizen | $16,531.91 | 1 | $21,288.00 | $3,164.04 | $1,774.00 | $263.67 | 30.931% | 30.931% | 30.931% | 02/18/2025 | 750 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | Arc | $1,825.25 | 6.660% | $0.00 | 2.0 | None | N/A | No | 6.875% | 0 | 0 | 0 | 2 | 0 | 24 | 0.00 | No | 05/01/2055 | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 56.89 | Retail | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251236 | Non QM | Yes | No | $6,365.00 | $10,193.76 | 7.642% | $3,670.88 | $3,670.88 | 7.500% | No | No | Self-Employed | Permanent Resident Alien | $9,600.51 | 1 | $5,352.96 | $3,532.08 | $446.08 | $294.34 | 34.795% | 34.795% | 34.795% | 03/07/2025 | 719 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Guaranteed Rate | $6,365.00 | 6.650% | $0.00 | 1.0 | None | N/A | No | 7.500% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 05/01/2055 | $234,366.98 | 31.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 57.27 | Retail | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251437 | Non QM | Yes | No | $31,624.00 | $8,910.70 | 7.210% | $7,276.16 | $7,276.16 | 7.125% | No | No | Self-Employed | US Citizen | $103,849.13 | 1 | $5,301.60 | $5,097.96 | $441.80 | $424.83 | 8.938% | 8.938% | 8.938% | 02/28/2025 | 794 | No | Yes | 12 | Business | 100.000% | 81.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 81.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 81.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 81.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 81.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 81.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 81.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 81.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 81.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 1995 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 81.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 1995 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $31,624.00 | 6.620% | $27,000.00 | 2.4 | None | N/A | No | 7.125% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | 04/01/2055 | $43,300.34 | 3.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 16.84 | No | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251322 | Non QM | Yes | No | $6,728.43 | $10,063.32 | 9.539% | $4,266.87 | $4,266.87 | 9.375% | No | No | Self-Employed | US Citizen | $22,038.11 | 1 | $5,691.84 | $2,831.16 | $474.32 | $235.93 | 23.242% | 23.242% | 23.242% | 02/25/2025 | 735 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $6,728.43 | 6.660% | $27,000.00 | 1.7 | None | N/A | No | 9.375% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | 05/01/2055 | $86,829.72 | 15.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 7.77 | Retail | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251400 | Non QM | Yes | No | $1,572.00 | $3,099.64 | 6.973% | $1,576.63 | $1,576.63 | 6.875% | No | No | Self-Employed | US Citizen | $60,629.69 | 1 | $6,983.04 | $3,817.80 | $581.92 | $318.15 | 11.826% | 11.826% | 11.826% | 03/13/2025 | 772 | No | Yes | 12 | Business | 100.000% | 35.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 35.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 35.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 35.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 35.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 35.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 35.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 35.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 35.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 35.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2022 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $1,572.00 | 6.650% | $3,775.00 | 1.0 | None | N/A | No | 6.875% | 0 | 0 | 0 | 5 | 0 | 12 | 0.00 | No | 05/01/2055 | $81,257.02 | 27.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 34.69 | Retail | Yes | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251284 | Non QM | Yes | No | $1,400.00 | $3,976.48 | 7.543% | $3,788.27 | $3,788.27 | 7.500% | No | No | Self-Employed | US Citizen | $23,274.54 | 1 | $1,920.84 | $1,171.92 | $160.07 | $97.66 | 26.461% | 26.461% | 26.461% | 02/04/2025 | 702 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2023 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Cross Country | $1,400.00 | 6.650% | $0.00 | 1.0 | None | N/A | No | 7.500% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | 05/01/2055 | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 12.12 | Retail | No | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251260 | Non QM | Yes | No | $11,423.90 | $14,721.08 | 7.410% | $4,993.53 | $4,993.53 | 7.250% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $9,124.94 | 1 | $10,134.96 | $3,372.96 | $844.58 | $281.08 | 42.123% | 42.123% | 42.123% | 759 | No | Yes | 12 | Personal | 34.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 [Coborrower(s) - | Primary Income - Wages]; Other - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2021 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $11,423.90 | 6.650% | $0.00 | 1.0 | None | N/A | No | 7.250% | 0 | 2 | 0 | 0 | 4 | 0 | 12 | 0.00 | No | 05/01/2055 | $178,983.32 | 20.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 16.1 | No | [Redacted] | $0.00 | $10,416.68 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251403 | Non QM | Yes | No | $11,976.25 | $16,489.70 | 7.350% | $3,607.03 | $4,755.63 | 7.125% | No | No | Self-Employed | US Citizen | $11,855.95 | 1 | $4,320.84 | $1,564.20 | $360.07 | $130.35 | 37.600% | 31.555% | 37.600% | 03/20/2025 | 707 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2023 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $11,976.25 | 6.650% | $0.00 | 1.0 | None | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | 240 | 05/01/2055 | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 28.27 | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251402 | Non QM | Yes | No | $3,321.75 | $4,936.40 | 7.569% | $1,554.02 | $1,554.02 | 7.375% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $13,167.66 | 1 | $1,717.32 | $926.04 | $143.11 | $77.17 | 39.571% | 39.571% | 39.571% | 02/14/2025 | 715 | No | Yes | 12 | Business | 100.000% | 100.000% | Borrower Prepared | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 45.00000% | Expense Ratio Source: P&L Statement | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 45.00000% | Expense Ratio Source: P&L Statement | # of Bank Statements Required: 12]; Borrower-prepared P&L - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 45.00000% | Expense Ratio Source: P&L Statement | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 45.00000% | Expense Ratio Source: P&L Statement | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 45.00000% | Expense Ratio Source: P&L Statement | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 45.00000% | Expense Ratio Source: P&L Statement | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 45.00000% | Expense Ratio Source: P&L Statement | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 45.00000% | Expense Ratio Source: P&L Statement | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 45.00000% | Expense Ratio Source: P&L Statement | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | New American Funding | $3,321.75 | 6.650% | $0.00 | 1.8 | None | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | 05/01/2055 | $36,602.81 | 10.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 98.33 | Retail | Yes | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251279 | Non QM | Yes | No | $1,695.00 | $7,383.02 | 7.507% | $3,453.38 | $3,453.38 | 7.375% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $14,590.65 | 1 | $8,534.76 | $2,959.20 | $711.23 | $246.60 | 34.016% | 34.016% | 34.016% | 812 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | New American Funding | $1,695.00 | 6.650% | $0.00 | 2.7 | None | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | 60 | 05/01/2055 | $1,230,680.24 | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 278.99 | Retail | No | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251329 | Non QM | Yes | No | $4,483.00 | $5,477.65 | 7.442% | $1,794.12 | $1,794.12 | 7.250% | No | No | Employed | US Citizen | $5,396.57 | 1 | $1,759.68 | $776.04 | $146.64 | $64.67 | 29.253% | 29.253% | 29.253% | 03/24/2025 | 736 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 1 | 0 | 0 | 0 | Arc | $4,483.00 | 6.620% | $0.00 | 1.7 | None | N/A | No | 7.250% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | 05/01/2055 | $190,953.49 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 89.39 | Retail | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251424 | N/A | No | No | $23,942.28 | 8.328% | $3,990.38 | $3,990.38 | 8.375% | No | No | Self-Employed | Non-Employment Income | US Citizen | US Citizen | $11,875.38 | 1 | $7,806.24 | $894.96 | $650.52 | $74.58 | 41.332% | 41.332% | 41.332% | 01/28/2025 | 768 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022 [Coborrower(s) - | Primary Income - Social Security]; Account Statements - 2025 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Coborrower(s) - | Non-Primary Income - Pension]; Account Statements - 2025 [Coborrower(s) - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; Transcripts (1040) - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; Transcripts (1040) - 2022 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | Arc | $23,942.28 | 6.850% | $0.00 | 2.1 | None | N/A | No | 8.375% | 0 | 0 | 1 | 0 | 3 | 2 | 12.00 | No | 04/01/2055 | $403,482.72 | 54.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 28.3 | Retail | No | No | [Redacted] | $3,440.38 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251420 | N/A | No | No | $0.00 | $0.00 | 7.616% | $1,981.77 | $1,981.77 | 7.625% | No | No | Employed | US Citizen | $15,175.46 | 1 | $3,759.96 | $1,445.40 | $313.33 | $120.45 | 22.788% | 22.788% | 22.788% | 02/21/2025 | 774 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - No Results Returned - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | New American Funding | 6.850% | $4,799.70 | 1.2 | None | N/A | No | 7.625% | 2 | 1 | 0 | 3 | 0 | 0.00 | No | 04/01/2055 | $214,888.72 | 54.000% | No | 26 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 33.9 | Broker | No | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251364 | N/A | No | No | $2,514.61 | $2,514.61 | 7.750% | No | No | US Citizen | US Citizen | 2 | $2,773.32 | $794.04 | $231.11 | $66.17 | 0.000% | 0.000% | 0.000% | 02/18/2025 | 724 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | 04/01/2055 | $276,456.20 | 55.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 40.93 | Retail | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251248 | N/A | No | No | $5,034.38 | $5,034.38 | 6.750% | No | No | US Citizen | 1 | $10,422.00 | $4,413.00 | $868.50 | $367.75 | 0.000% | 0.000% | 0.000% | 02/13/2025 | 757 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.04 | 0.96 | 240 | 04/01/2055 | $153,125.17 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 23.32 | Retail | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251281 | N/A | No | No | $1,754.31 | $1,754.31 | 7.375% | No | No | US Citizen | 1 | $3,401.52 | $221.04 | $283.46 | $18.42 | 0.000% | 0.000% | 0.000% | 12/12/2024 | 708 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 1.0 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.06 | 0.94 | 04/01/2055 | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 1003.68 | Retail | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251365 | N/A | No | No | $1,568.28 | $1,568.28 | 7.000% | No | No | US Citizen | 1 | $4,104.36 | $1,458.96 | $342.03 | $121.58 | 0.000% | 0.000% | 0.000% | 01/15/2025 | 783 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 1.0 | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.13 | 0.88 | 04/01/2055 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 61.93 | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251312 | N/A | No | No | $2,972.78 | $2,972.78 | 7.875% | No | No | US Citizen | US Citizen | 1 | $12,554.52 | $3,372.00 | $1,046.21 | $281.00 | 0.000% | 0.000% | 0.000% | 01/17/2025 | 800 | No | No | DSCR | 0 | 0 | 0 | No | First Colony Mortgage | $0.00 | 2.3 | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.79 | 1.27 | 04/01/2055 | $979,356.45 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 137.86 | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251404 | N/A | No | No | $4,941.41 | $4,941.41 | 6.875% | No | No | US Citizen | US Citizen | 4 | $9,807.12 | $933.12 | $817.26 | $77.76 | 0.000% | 0.000% | 0.000% | 02/12/2025 | 775 | No | No | DSCR | 0 | 0 | 0 | No | Guaranteed Rate | $0.00 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.31 | 0.76 | 240 | 05/01/2055 | $235,628.23 | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 40.37 | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251276 | N/A | No | No | $1,425.54 | $1,425.54 | 6.875% | No | No | US Citizen | US Citizen | 1 | $8,971.44 | $4,862.04 | $747.62 | $405.17 | 0.000% | 0.000% | 0.000% | 03/12/2025 | 749 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 1.0 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.16 | 0.86 | 05/01/2055 | $610,398.46 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 178.59 | Retail | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251358 | N/A | No | No | $1,799.96 | $1,799.96 | 7.375% | No | No | US Citizen | 1 | $2,004.36 | $840.96 | $167.03 | $70.08 | 0.000% | 0.000% | 0.000% | 02/24/2025 | 818 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 1.0 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | 240 | 04/01/2055 | $980,895.99 | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 345.94 | Retail | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251401 | N/A | No | No | $3,031.73 | $3,031.73 | 7.125% | No | No | US Citizen | 1 | $5,980.68 | $901.20 | $498.39 | $75.10 | 0.000% | 0.000% | 0.000% | 02/25/2025 | 797 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 1.0 | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.03 | 0.97 | 05/01/2055 | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 119.9 | Retail | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251314 | N/A | No | No | $1,608.46 | $1,608.46 | 6.500% | No | No | 0 | US Citizen | US Citizen | 1 | $3,008.64 | $1,500.00 | $250.72 | $125.00 | 0.000% | 0.000% | 0.000% | 01/29/2025 | 737 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 3.3 | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | 05/01/2055 | $160,785.00 | 49.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 26.78 | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251257 | N/A | No | No | $1,728.04 | $1,728.04 | 6.990% | No | No | US Citizen | 1 | $5,223.96 | $1,004.04 | $435.33 | $83.67 | 0.000% | 0.000% | 0.000% | 02/08/2025 | 731 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 1.0 | N/A | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.11 | 0.9 | 05/01/2055 | $6,500.00 | 2.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 208.4 | Retail | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251425 | N/A | No | No | $2,717.89 | $2,717.89 | 6.500% | No | No | Permanent Resident Alien | 1 | $2,352.72 | $2,691.96 | $196.06 | $224.33 | 0.000% | 0.000% | 0.000% | 02/25/2025 | 760 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 1.0 | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.02 | 0.98 | 05/01/2055 | $183,322.34 | 21.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 13.98 | Retail | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251339 | N/A | No | No | $1,955.99 | $1,955.99 | 7.000% | No | No | US Citizen | 1 | $5,616.60 | $1,545.72 | $468.05 | $128.81 | 0.000% | 0.000% | 0.000% | 03/04/2025 | 781 | No | No | DSCR | 0 | 0 | 0 | Yes | ARCHome | $0.00 | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | 05/01/2055 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 17.43 | Retail | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251234 | N/A | No | No | $1,722.50 | $1,722.50 | 7.250% | No | No | US Citizen | 1 | $1,285.56 | $1,119.96 | $107.13 | $93.33 | 0.000% | 0.000% | 0.000% | 03/28/2025 | 818 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 1.0 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | 05/01/2055 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 128.88 | Retail | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251368 | N/A | No | No | $1,787.30 | $1,787.30 | 7.250% | No | No | 0 | 0 | US Citizen | US Citizen | US Citizen | 2 | $8,600.52 | $1,704.00 | $716.71 | $142.00 | 0.000% | 0.000% | 0.000% | 03/18/2025 | 735 | Level 2-Stated/Not Verified | Level 2-Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | HomeBridge | $0.00 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.36 | 0.74 | 05/01/2055 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 82.49 | Broker | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251289 | N/A | No | No | $2,066.31 | $2,066.31 | 7.250% | No | No | 0 | 0 | US Citizen | US Citizen | 3 | $13,189.68 | $2,531.04 | $1,099.14 | $210.92 | 0.000% | 0.000% | 0.000% | 03/18/2025 | 735 | Level 2-Stated/Not Verified | Level 2-Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | HomeBridge | $0.00 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.67 | 0.6 | 05/01/2055 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | LLC | Guarantor - Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 72.25 | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251309 | N/A | No | No | $4,062.44 | $4,062.44 | 7.500% | No | No | US Citizen | 1 | $7,828.08 | $1,725.24 | $652.34 | $143.77 | 0.000% | 0.000% | 0.000% | 03/14/2025 | 764 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 3.9 | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.8 | 1.24 | 05/01/2055 | $11,861.61 | 1.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 24.8 | Retail | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251421 | N/A | No | No | $3,418.84 | $3,418.84 | 7.375% | No | No | US Citizen | 1 | $4,395.96 | $4,866.00 | $366.33 | $405.50 | 0.000% | 0.000% | 0.000% | 03/13/2025 | 685 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 1.0 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.07 | 0.93 | 05/01/2055 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 113.44 | Retail | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251381 | N/A | No | No | $3,284.64 | $3,284.64 | 6.875% | No | No | US Citizen | 1 | $3,415.44 | $1,209.96 | $284.62 | $100.83 | 0.000% | 0.000% | 0.000% | 03/10/2025 | 752 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 2.5 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.31 | 0.76 | 05/01/2055 | $904,106.24 | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 143.46 | Retail | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251429 | N/A | No | No | $2,377.06 | $2,377.06 | 7.750% | No | No | US Citizen | 1 | $2,978.28 | $1,190.04 | $248.19 | $99.17 | 0.000% | 0.000% | 0.000% | 02/12/2025 | 775 | No | No | DSCR | 0 | 0 | 0 | Yes | ARCHome | $0.00 | 1.0 | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.22 | 0.82 | 04/01/2055 | $794,586.86 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 227.87 | Retail | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251226 | N/A | No | No | $2,497.21 | $2,497.21 | 6.625% | No | No | US Citizen | 1 | $13,001.64 | $1,911.00 | $1,083.47 | $159.25 | 0.000% | 0.000% | 0.000% | 03/04/2025 | 792 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 4.1 | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.02 | 0.98 | 05/01/2055 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 35.11 | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251227 | N/A | No | No | $2,497.21 | $2,497.21 | 6.625% | No | No | US Citizen | 1 | $12,996.96 | $2,084.04 | $1,083.08 | $173.67 | 0.000% | 0.000% | 0.000% | 03/04/2025 | 792 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 4.1 | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | 05/01/2055 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 35.33 | Broker | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251320 | N/A | No | No | $2,497.21 | $2,497.21 | 6.625% | No | No | US Citizen | 1 | $12,996.96 | $2,472.96 | $1,083.08 | $206.08 | 0.000% | 0.000% | 0.000% | 03/04/2025 | 792 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 4.1 | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | 05/01/2055 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 34.97 | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251434 | N/A | No | No | $5,831.45 | $5,831.45 | 7.500% | No | No | 0 | US Citizen | US Citizen | 1 | $3,504.48 | $4,462.80 | $292.04 | $371.90 | 0.000% | 0.000% | 0.000% | 03/24/2025 | 748 | Level 2-Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 4.1 | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.28 | 0.78 | 05/01/2055 | $0.00 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 13.93 | Retail | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251301 | N/A | No | No | $2,497.21 | $2,497.21 | 6.625% | No | No | US Citizen | 1 | $13,001.64 | $1,914.96 | $1,083.47 | $159.58 | 0.000% | 0.000% | 0.000% | 03/04/2025 | 792 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 4.0 | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.02 | 0.98 | 05/01/2055 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 35.79 | Retail | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251341 | N/A | No | No | $2,719.01 | $2,719.01 | 7.875% | No | No | US Citizen | 3 | $7,200.96 | $2,261.04 | $600.08 | $188.42 | 0.000% | 0.000% | 0.000% | 03/04/2025 | 766 | No | No | DSCR | 0 | 0 | 0 | No | Guaranteed Rate | $0.00 | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.5 | 0.67 | 05/01/2055 | $202,890.80 | 41.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 16.82 | Retail | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251263 | N/A | No | No | $1,010.58 | $1,010.58 | 7.125% | No | No | US Citizen | 1 | $2,218.32 | $1,308.96 | $184.86 | $109.08 | 0.000% | 0.000% | 0.000% | 01/15/2025 | 772 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 1.9 | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.84 | 0.54 | 06/01/2055 | $0.00 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 30.51 | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251287 | N/A | No | No | $2,065.78 | $2,065.78 | 6.750% | No | No | US Citizen | 3 | $11,347.20 | $2,548.20 | $945.60 | $212.35 | 0.000% | 0.000% | 0.000% | 03/24/2025 | 755 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.21 | 0.83 | 06/01/2055 | $199,381.76 | 44.000% | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 15.94 | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251436 | Safe Harbor QM (APOR) | Yes | No | $10,381.00 | $11,696.35 | 7.402% | $2,993.33 | $2,993.33 | 7.125% | No | No | Self-Employed | US Citizen | $12,545.20 | 1 | $11,948.16 | $1,863.84 | $995.68 | $155.32 | 32.212% | 32.212% | 32.212% | 01/14/2025 | 764 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $10,381.00 | 6.810% | $0.00 | 4.8 | None | N/A | No | 7.125% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | No | 05/01/2055 | $175,107.02 | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 42.58 | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251388 | Non QM | Yes | No | $19,792.65 | $24,874.53 | 7.449% | $4,575.90 | $4,575.90 | 7.125% | No | No | Self-Employed | Non-Employment Income | US Citizen | US Citizen | $19,188.92 | 1 | $11,528.28 | $4,077.12 | $960.69 | $339.76 | 47.689% | 47.689% | 47.689% | 03/04/2025 | 715 | No | Yes | 12 | Business | 84.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 [Borrower - | Non-Primary Income - Social Security]; Account Statements - 2025 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2024 [Coborrower(s) - | Primary Income - Social Security]; Account Statements - 2025 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $19,792.65 | 6.700% | $0.00 | 1.0 | None | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 06/01/2055 | $605,639.70 | 71.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 86.44 | Yes | No | [Redacted] | $3,225.90 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251278 | N/A | No | No | $2,097.93 | $2,097.93 | 7.375% | No | No | US Citizen | 1 | $4,884.96 | $3,785.40 | $407.08 | $315.45 | 0.000% | 0.000% | 0.000% | 04/07/2025 | 727 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 1.0 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | 06/01/2055 | $795,951.67 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 216.65 | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251383 | N/A | No | No | $5,024.94 | $5,024.94 | 6.500% | No | No | US Citizen | 1 | $12,056.04 | $2,047.56 | $1,004.67 | $170.63 | 0.000% | 0.000% | 0.000% | 04/22/2025 | 741 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 3.2 | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.76 | 1.31 | 06/01/2055 | $121,829.35 | 10.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 22.87 | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251396 | N/A | No | No | $2,654.73 | $2,654.73 | 6.750% | No | No | Permanent Resident Alien | 3 | $13,414.20 | $1,620.00 | $1,117.85 | $135.00 | 0.000% | 0.000% | 0.000% | 04/25/2025 | 773 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.71 | 0.58 | 06/01/2040 | $937,749.88 | 82.000% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 12.7 | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251427 | Non QM | Yes | No | $10,404.12 | $13,641.00 | 7.983% | $2,491.43 | $2,491.43 | 7.625% | No | No | Self-Employed | Permanent Resident Alien | $3,865.76 | 1 | $5,499.96 | $804.96 | $458.33 | $67.08 | 47.926% | 47.926% | 47.926% | 04/09/2025 | 777 | No | Yes | 12 | Personal | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $10,404.12 | 6.740% | $5,750.00 | 2.4 | None | N/A | No | 7.625% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 06/01/2055 | $100,166.40 | 23.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 23.97 | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251412 | Non QM | Yes | No | $11,904.07 | $6,513.37 | 7.814% | $2,059.68 | $2,059.68 | 7.625% | No | No | Self-Employed | Permanent Resident Alien | $8,411.33 | 1 | $2,684.52 | $2,108.04 | $223.71 | $175.67 | 42.611% | 42.611% | 42.611% | 04/07/2025 | 772 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $11,904.07 | 6.880% | $0.00 | 1.6 | None | N/A | No | 7.625% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 06/01/2055 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | No | 81.8 | No | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251313 | Safe Harbor QM (APOR) | Yes | No | $16,223.96 | $7,876.76 | 7.844% | $4,241.16 | $4,241.16 | 7.750% | No | No | Self-Employed | US Citizen | $56,129.37 | 1 | $3,909.60 | $2,850.00 | $325.80 | $237.50 | 13.696% | 13.696% | 13.696% | 04/14/2025 | 704 | No | Yes | 12 | Business | 100.000% | 33.330% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 33.33% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 33.33% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 33.33% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 33.33% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 33.33% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 33.33% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $16,223.96 | 6.880% | $0.00 | 2.7 | None | N/A | No | 7.750% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | Not Stated | 06/01/2055 | $170,665.04 | 23.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 52.4 | No | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251250 | Safe Harbor QM (APOR) | Yes | No | $7,875.00 | $2,731.20 | 7.911% | $2,537.74 | $2,537.74 | 7.875% | No | No | Self-Employed | US Citizen | $91,605.36 | 1 | $11,824.08 | $2,646.00 | $985.34 | $220.50 | 13.619% | 13.619% | 13.619% | 03/11/2025 | 743 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $7,875.00 | 6.810% | $0.00 | 1.0 | None | N/A | No | 7.875% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | Not Stated | 06/01/2055 | $143,927.34 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 129.34 | No | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251290 | Safe Harbor QM (APOR) | Yes | No | $7,675.00 | $10,776.60 | 7.728% | $2,880.76 | $2,880.76 | 7.500% | No | No | Self-Employed | US Citizen | $11,232.48 | 1 | $7,643.64 | $1,580.04 | $636.97 | $131.67 | 24.871% | 24.871% | 24.871% | 04/05/2025 | 708 | No | Yes | 12 | Personal | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $7,675.00 | 6.880% | $60,000.00 | 1.0 | None | N/A | No | 7.500% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | Not Stated | 06/01/2055 | $101,692.63 | 20.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 10.82 | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251399 | Safe Harbor QM (APOR) | Yes | No | $26,870.00 | $6,544.12 | 7.379% | $10,014.79 | $10,014.79 | 7.375% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $26,521.87 | 1 | $22,656.24 | $3,771.00 | $1,888.02 | $314.25 | 39.920% | 39.920% | 39.920% | 04/15/2025 | 771 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2016 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $26,870.00 | 6.880% | $12,500.00 | 1.6 | None | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | Not Stated | 06/01/2055 | $475,014.27 | 26.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 34.83 | Yes | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251359 | N/A | No | No | $2,844.31 | $2,844.31 | 6.500% | No | No | Permanent Resident Alien | 2 | $9,422.28 | $1,407.96 | $785.19 | $117.33 | 0.000% | 0.000% | 0.000% | 03/10/2025 | 754 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.25 | 0.8 | 06/01/2055 | $522,190.71 | 74.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 65.81 | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251259 | N/A | No | No | $2,158.82 | $2,158.82 | 7.500% | No | No | US Citizen | 1 | $10,013.76 | $4,725.00 | $834.48 | $393.75 | 0.000% | 0.000% | 0.000% | 04/23/2025 | 775 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 1.0 | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.64 | 0.61 | 06/01/2055 | $237,707.38 | 50.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Member | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 17.68 | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251243 | Non QM | Yes | No | $3,038.75 | $3,038.75 | 8.324% | $2,075.37 | $2,075.37 | 8.250% | No | No | Self-Employed | US Citizen | $18,536.90 | 1 | $7,268.04 | $5,195.04 | $605.67 | $432.92 | 16.795% | 16.795% | 16.795% | 02/12/2025 | 806 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $3,038.75 | 6.870% | $0.00 | 2.6 | None | N/A | No | 8.250% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 04/01/2055 | $43,939.57 | 14.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 12.59 | Retail | Yes | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251357 | Non QM | Yes | No | $1,695.00 | $0.00 | 7.334% | $2,679.82 | $2,679.82 | 7.375% | No | No | Self-Employed | US Citizen | $5,711.79 | 1 | $6,526.56 | $1,362.12 | $543.88 | $113.51 | 40.434% | 40.434% | 40.434% | 02/13/2025 | 751 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | Arc | $1,695.00 | 6.850% | $11,074.43 | 1.2 | None | N/A | No | 7.375% | 0 | 0 | 0 | 3 | 0 | 12.00 | No | 04/01/2055 | $223,787.69 | 46.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 37.85 | Retail | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251230 | Non QM | Yes | No | $8,986.60 | $11,300.82 | 7.106% | $2,943.04 | $2,943.04 | 6.875% | No | No | Self-Employed | US Citizen | $5,217.65 | 1 | $1,201.92 | $1,500.00 | $100.16 | $125.00 | 39.279% | 39.279% | 39.279% | 02/11/2025 | 738 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; Account Statements - Business - 2025 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2025 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | First Colony Mortgage Corporation | $8,986.60 | 6.880% | $0.00 | 1.0 | None | N/A | No | 6.875% | 0 | 0 | 0 | 3 | 0 | 12.00 | No | 04/01/2055 | $15,189.36 | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 4.78 | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251408 | Non QM | Yes | No | $1,992.44 | $6,266.99 | 7.082% | $3,805.53 | $3,805.53 | 7.000% | No | No | Employed | Self-Employed | US Citizen | Permanent Resident Alien | $12,852.96 | 1 | $17,000.04 | $4,196.04 | $1,416.67 | $349.67 | 30.543% | 30.543% | 30.543% | 02/19/2025 | 796 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Sole Proprietor]; Balance Sheet - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; Balance Sheet - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; P&L Statement - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; P&L Statement - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; Third Party Verification - 2024 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2022 |
[Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1040 - 2022 [Borrower]; 4506-C - 2022 [Borrower]; Transcripts (1040) - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1040 - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; Transcripts (1040) - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | New American Funding | $1,992.44 | 6.880% | $0.00 | 1.0 | None | N/A | No | 7.000% | 2 | 0 | 2 | 0 | 2 | 3 | 0.00 | No | 04/01/2055 | $990,920.87 | 73.000% | No | 25 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 31.62 | Retail | No | [Redacted] | $10,713.17 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251326 | Non QM | Yes | No | $8,550.00 | $10,224.00 | 8.633% | $2,043.45 | $2,043.45 | 8.250% | No | No | Self-Employed | US Citizen | $3,941.54 | 1 | $2,855.40 | $0.00 | $237.95 | $0.00 | 43.040% | 43.040% | 43.040% | 03/04/2025 | 724 | No | No | [Borrower - | Primary Income - Sole Proprietor]; Other - 2025 [Borrower - | Primary Income - Sole Proprietor]; Other - 2025 [Borrower - | Primary Income - Sole Proprietor]; Other - 2025 [Borrower - | Primary Income - Sole Proprietor]; Other - 2025 [Borrower - | Primary Income - Sole Proprietor]; Other - 2025 [Borrower - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2025 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2025 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2024 [Borrower - | Primary Income - Sole Proprietor]; 1099 Transcript - No Results Returned - 2024 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2023 [Borrower - | Primary Income - Sole Proprietor]; 1099 Transcript - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 1yr 1099 | 0 | 0 | 0 | Arc | $8,550.00 | 6.880% | $0.00 | 1.0 | None | N/A | No | 8.250% | 0 | 0 | 0 | 4 | 0 | No | 04/01/2055 | $64,922.86 | 20.000% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 6.36 | Retail | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251245 | Non QM | Yes | No | $15,569.93 | $19,175.98 | 8.687% | $4,619.34 | $4,619.34 | 8.375% | No | No | Self-Employed | Permanent Resident Alien | $12,762.72 | 1 | $8,937.48 | $2,986.92 | $744.79 | $248.91 | 30.546% | 30.546% | 30.546% | 02/05/2025 | 721 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | New American Funding | $15,569.93 | 6.920% | $15,000.00 | 1.8 | None | N/A | No | 8.375% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | 04/01/2055 | $21,000.00 | 3.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 7.35 | Retail | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251423 | Non QM | Yes | No | $5,390.00 | $12,709.42 | 7.563% | $10,488.22 | $10,488.22 | 7.500% | No | No | Self-Employed | US Citizen | $47,426.58 | 1 | $10,824.00 | $2,637.36 | $902.00 | $219.78 | 19.666% | 19.666% | 19.666% | 02/23/2025 | 714 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 33.53000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 33.53000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 33.53000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Expense Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 33.53000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 33.53000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 33.53000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 33.53000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 33.53000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 33.53000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 33.53000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 33.53000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 33.53000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 33.53000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 33.53000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 33.53000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; 4506-C (for Business) - 2022 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Guaranteed Rate | $5,390.00 | 6.880% | $0.00 | 1.0 | None | N/A | No | 7.500% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | Yes | 04/01/2055 | $128,487.35 | 7.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Score 10T | FICO Risk Score Classic 04 | 17.49 | Retail | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251371 | Non QM | Yes | No | $1,640.00 | $6,599.86 | 7.953% | $4,756.46 | $4,756.46 | 7.875% | No | No | Self-Employed | US Citizen | $24,784.11 | 1 | $10,067.04 | $0.00 | $838.92 | $0.00 | 25.647% | 25.647% | 25.647% | 02/18/2025 | 709 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Guaranteed Rate | $1,640.00 | 6.880% | $0.00 | 1.0 | None | N/A | No | 7.875% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 04/01/2055 | $193,007.26 | 24.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 49.45 | Retail | Yes | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251407 | Non QM | Yes | No | $8,010.00 | $610.38 | 6.865% | $3,711.65 | $3,711.65 | 6.875% | No | No | Non-Employment Income | US Citizen | $8,086.23 | 1 | $4,571.52 | $2,808.72 | $380.96 | $234.06 | 37.526% | 37.526% | 37.526% | 02/18/2025 | 801 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | Arc | $8,010.00 | 6.850% | $30,000.00 | 2.0 | None | N/A | No | 6.875% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | 60 | 04/01/2055 | $1,862,459.79 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 329.25 | Retail | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251354 | Non QM | Yes | No | $2,918.25 | $4,802.04 | 7.384% | $2,122.93 | $2,122.93 | 7.250% | No | No | Self-Employed | US Citizen | $33,442.56 | 1 | $1,368.48 | $1,504.68 | $114.04 | $125.39 | 16.879% | 16.879% | 16.879% | 02/27/2025 | 776 | No | Yes | 48 | Business | 100.000% | 100.000% | [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | Arc | $2,918.25 | 6.620% | $0.00 | 1.0 | None | N/A | No | 7.250% | 0 | 0 | 0 | 2 | 0 | 24 | 0.00 | No | 04/01/2055 | $123,291.51 | 32.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 18.98 | Retail | Yes | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251419 | Non QM | Yes | No | $2,895.00 | $3,050.28 | 7.391% | $8,633.44 | $8,633.44 | 7.375% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $67,412.84 | 1 | $19,488.84 | $3,855.96 | $1,624.07 | $321.33 | 26.006% | 26.006% | 26.006% | 02/07/2025 | 664 | No | Yes | 12 | Business | 100.000% | 42.500% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 42.50% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 42.50% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 42.50% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 42.50% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 42.50% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 42.50% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 42.50% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2018 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2021 [Coborrower]; 4506-C - 2021 [Coborrower]; 4506-C - 2021 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Guaranteed Rate | $2,895.00 | 6.850% | $0.00 | 3.0 | None | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 4 | 0 | 12 | 0.00 | No | 04/01/2055 | $246,438.86 | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 24.81 | Retail | No | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251317 | Non QM | Yes | No | $1,640.00 | $1,381.03 | 7.668% | $5,839.43 | $6,328.39 | 8.079% | No | No | Self-Employed | US Citizen | $845,863.38 | 1 | $14,384.76 | $2,304.96 | $1,198.73 | $192.08 | 2.313% | 2.257% | 2.313% | 02/14/2025 | 766 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Guaranteed Rate | $1,640.00 | 6.690% | $0.00 | 4.7 | None | N/A | No | 8.079% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 04/01/2055 | $408,569.76 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 52.93 | Retail | No | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251430 | Non QM | Yes | No | $3,478.23 | $5,598.27 | 7.580% | $1,186.99 | $1,186.99 | 7.250% | No | No | Self-Employed | US Citizen | $3,827.39 | 1 | $3,635.40 | $657.96 | $302.95 | $54.83 | 48.866% | 48.866% | 48.866% | 02/24/2025 | 685 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2024 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $3,478.23 | 6.850% | $0.00 | 2.0 | None | N/A | No | 7.250% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | 04/01/2055 | $5,944.51 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 5.03 | Retail | No | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251246 | Non QM | Yes | No | $0.00 | $11,291.36 | 6.892% | $10,484.58 | $10,484.58 | 6.875% | No | No | Employed | US Citizen | $23,743.70 | 1 | $24,937.56 | $7,163.04 | $2,078.13 | $596.92 | 36.093% | 36.093% | 36.093% | 03/04/2025 | 767 | No | No | [Borrower - | Primary Income - Wages]; Employer Letter - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - No Results Returned - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1040 - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; Transcripts (1040) - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | Guaranteed Rate | 6.730% | $0.00 | 2.5 | None | N/A | No | 6.875% | 2 | 2 | 0 | 3 | 2 | 0.00 | No | 05/01/2055 | $1,822,863.65 | 91.000% | No | 33 | Yes | Preliminary | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 105.29 | Retail | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251375 | Non QM | Yes | No | $8,519.69 | $10,136.42 | 8.042% | $4,595.13 | $4,595.13 | 7.875% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $866,571.55 | 1 | $13,191.36 | $4,520.16 | $1,099.28 | $376.68 | 1.233% | 1.233% | 1.233% | 12/11/2024 | 674 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Cross Country | $8,519.69 | 6.850% | $0.00 | 1.0 | None | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 04/01/2055 | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 90.05 | Retail | No | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251232 | Non QM | Yes | No | $4,953.04 | $5,638.51 | 7.050% | $8,412.88 | $8,412.88 | 7.000% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $30,247.16 | 1 | $19,812.72 | $2,238.96 | $1,651.06 | $186.58 | 31.348% | 31.348% | 31.348% | 03/07/2025 | 711 | No | No | [Borrower - | Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Other - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Other - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Other - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Other - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2023 [Coborrower(s) - | Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025 [Coborrower(s) - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 [Coborrower(s) - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2022 |
[Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - No Results Returned - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1040 - 2022 [Borrower]; 4506-C - 2022 [Borrower]; Transcripts (1040) - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1040 - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; Transcripts (1040) - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | Guaranteed Rate | $4,953.04 | 6.730% | $0.00 | 1.0 | None | N/A | No | 7.000% | 1 | 1 | 2 | 0 | 3 | 3 | No | 04/01/2055 | $145,524.31 | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Beacon 5.0 | FICO Risk Score Classic 04 | No | 11.68 | Retail | No | No | [Redacted] | $21,709.68 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251306 | Non QM | Yes | No | $1,419.00 | $1,510.81 | 7.288% | $4,018.02 | $4,018.02 | 7.250% | No | No | Self-Employed | US Citizen | $5,221.77 | 1 | $7,067.52 | $6,387.00 | $588.96 | $532.25 | 49.747% | 49.747% | 49.747% | 02/11/2025 | 722 | No | Yes | 12 | Business | 100.000% | 55.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 55.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 55.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 55.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 55.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 55.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 55.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2024 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $1,419.00 | 6.880% | $0.00 | 2.9 | None | N/A | No | 7.250% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | 04/01/2055 | $40,000.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 6.96 | Retail | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251391 | Non QM | Yes | No | $7,120.00 | $8,028.00 | 7.364% | $4,857.10 | $4,857.10 | 7.250% | No | No | Employed | Employed | US Citizen | US Citizen | $22,025.98 | 1 | $10,121.04 | $2,991.72 | $843.42 | $249.31 | 38.888% | 38.888% | 38.888% | 03/04/2025 | 789 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2022 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2022 |
[Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - No Results Returned - 2024 [Borrower]; Transcripts (1040) - No Results Returned - 2024 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; Transcripts (1040) - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - No Results Returned - 2024 [Coborrower]; Transcripts (1040) - No Results Returned - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; Transcripts (1040) - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | Guaranteed Rate | $7,120.00 | 6.850% | $0.00 | 1.0 | None | N/A | No | 7.250% | 3 | 3 | 0 | 0 | 3 | 2 | 0.00 | No | 04/01/2055 | $1,749,473.33 | 100.000% | No | 4 | 25 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 204.65 | Retail | No | No | [Redacted] | $0.00 | $3,250.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251413 | Non QM | Yes | No | $2,080.08 | $2,688.33 | 7.666% | $4,784.69 | $4,784.69 | 7.625% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $23,224.21 | 1 | $11,823.60 | $2,203.32 | $985.30 | $183.61 | 27.251% | 27.251% | 27.251% | 02/14/2025 | 805 | No | Yes | 12 | Business | 90.000% | 50.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2016 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $2,080.08 | 6.850% | $0.00 | 3.5 | None | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | 04/01/2055 | $667,787.57 | 79.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 81.63 | Retail | No | No | [Redacted] | $14,422.54 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251271 | Non QM | Yes | No | $18,301.13 | $20,868.46 | 7.963% | $3,001.73 | $3,001.73 | 7.500% | No | No | Self-Employed | US Citizen | $4,544.86 | 1 | $4,090.92 | $1,172.04 | $340.91 | $97.67 | 44.332% | 44.332% | 44.332% | 02/26/2025 | 766 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Expense Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Guaranteed Rate | $18,301.13 | 6.650% | $0.00 | 1.7 | None | N/A | No | 7.500% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | Yes | 05/01/2055 | $67,055.88 | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 6.46 | Retail | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251397 | Non QM | Yes | No | $6,278.75 | $8,597.07 | 8.792% | $1,002.37 | $1,002.37 | 8.125% | No | No | Non-Employment Income | US Citizen | $3,100.45 | 1 | $2,686.20 | $1,872.00 | $223.85 | $156.00 | 31.879% | 31.879% | 31.879% | 02/06/2025 | 671 | No | No | [Borrower - | Primary Income - Social Security]; Account Statements - 2025 [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Borrower - | Primary Income - Social Security]; 1099 Transcript - No Results Returned - 2024 [Borrower - | Primary Income - Social Security]; 1099-SSA - 2024 [Borrower - | Primary Income - Social Security]; 1099 Transcript - 2023 [Borrower - | Primary Income - Social Security]; 1099 Transcript - 2022 [Borrower - | Non-Primary Income - Pension]; Account Statements - 2025 [Borrower - | Non-Primary Income - Pension]; Deposit Receipt - 2025 [Borrower - | Non-Primary Income - Pension]; 1099 Transcript - No Results Returned - 2024 [Borrower - | Non-Primary Income - Pension]; 1099 - 2023 [Borrower - | Non-Primary Income - Pension]; 1099 Transcript - 2023 [Borrower - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2023 [Borrower - | Non-Primary Income - Pension]; 1099 Transcript - 2022 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | Arc | $6,278.75 | 6.850% | $0.00 | 1.0 | None | N/A | No | 8.125% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | 05/01/2055 | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 66.16 | Retail | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251346 | Non QM | Yes | No | $1,640.00 | $10,247.01 | 7.299% | $6,821.76 | $6,821.76 | 7.250% | No | No | Non-Employment Income | US Citizen | $24,952.81 | 1 | $26,250.00 | $2,973.96 | $2,187.50 | $247.83 | 42.710% | 42.710% | 42.710% | 02/13/2025 | 817 | No | No | [Borrower - | Primary Income - Alimony]; Account Statements - 2025 [Borrower - | Primary Income - Alimony]; Divorce Decree - 2025 [Borrower - | Primary Income - Alimony]; Other - 2025 [Borrower - | Primary Income - Alimony]; Separation Agreement - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | Guaranteed Rate | $1,640.00 | 6.660% | $0.00 | 2.7 | None | N/A | No | 7.250% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | 05/01/2055 | $2,067,617.37 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 135.53 | Retail | Yes | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251299 | Non QM | Yes | No | $5,473.00 | $5,839.58 | 6.954% | $1,524.21 | $1,524.21 | 6.750% | No | No | Employed | US Citizen | $12,196.71 | 1 | $11,829.00 | $1,779.96 | $985.75 | $148.33 | 30.305% | 30.305% | 30.305% | 03/10/2025 | 753 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | Cross Country | $5,473.00 | 6.620% | $0.00 | 1.0 | None | N/A | No | 6.750% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | 05/01/2055 | $0.00 | No | 26 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 46.52 | Retail | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251255 | Non QM | Yes | No | $4,286.24 | $7,493.64 | 7.712% | $4,190.14 | $4,190.14 | 7.625% | No | No | Self-Employed | US Citizen | $135,540.79 | 1 | $8,060.88 | $4,449.72 | $671.74 | $370.81 | 5.754% | 5.754% | 5.754% | 03/10/2025 | 767 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Guaranteed Rate | $4,286.24 | 6.620% | $15,000.00 | 1.3 | None | N/A | No | 7.625% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 05/01/2055 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 17.94 | Retail | Yes | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251377 | Non QM | Yes | No | $13,034.43 | $16,596.64 | 7.314% | $3,017.81 | $3,017.81 | 7.000% | No | Yes | Self-Employed | Employed | Self-Employed | 4.97 | Permanent Resident Alien | US Citizen | US Citizen | $19,482.39 | 1 | $10,018.68 | $1,791.96 | $834.89 | $149.33 | 32.630% | 32.630% | 32.630% | 02/12/2025 | 684 | 708 | 684 | 671 | Level 4-Stated/Verified as defined | Level 3-Stated/Partially Verified | Level 3-Stated/Verified as defined | No | Yes | 24 | Personal, Business | 82.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 35.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 35.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 35.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Expense Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 35.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 35.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 35.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 35.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 35.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2023 [Coborrower(s) - | Primary Income - Wages]; Employer Letter - 2022 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2022 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Expense Letter - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2021 [Coborrower]; 4506-C - 2021 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Guaranteed Rate | $13,034.43 | 6.620% | $0.00 | 1.4 | None | N/A | No | 7.000% | 0 | 3 | 0 | 0 | 3 | 0 | 12 | 12 | 0.00 | Yes | 05/01/2055 | $176,481.22 | 31.000% | No | 25 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 9.47 | Retail | No | No | [Redacted] | $13,969.32 | $5,186.78 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251366 | Non QM | Yes | No | $1,640.00 | $7,896.26 | 7.797% | $6,645.83 | $9,258.19 | 8.084% | No | No | Employed | Employed | US Citizen | US Citizen | $18,070.26 | 1 | $16,069.20 | $2,785.68 | $1,339.10 | $232.14 | 54.982% | 53.041% | 54.982% | 03/06/2025 | 793 | No | No | [Borrower - | Primary Income - Wages]; Employer Letter - 2025 [Borrower - | Primary Income - Wages]; Other - 2025 [Borrower - | Primary Income - Wages]; Other - 2025 [Borrower - | Primary Income - Wages]; Other - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Restricted Stock Agreement - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2022 [Borrower - | Primary Income - Wages]; Vesting Schedule - 2016 [Coborrower(s) - | Primary Income - Wages]; Employer Letter - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2022 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | Guaranteed Rate | $1,640.00 | 6.850% | $0.00 | 2.1 | None | N/A | No | 8.084% | 3 | 3 | 0 | 0 | 3 | 0 | 0.00 | No | 240 | 05/01/2055 | $507,951.46 | 37.000% | No | 26 | 26 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 21.33 | Retail | Yes | No | [Redacted] | $0.00 | $4,922.32 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251272 | Non QM | Yes | No | $5,181.00 | $11,036.83 | 7.509% | $4,724.22 | $4,724.22 | 7.375% | No | No | Self-Employed | US Citizen | $30,167.74 | 1 | $3,854.04 | $1,666.80 | $321.17 | $138.90 | 18.089% | 18.089% | 18.089% | 03/03/2025 | 805 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Cross Country | $5,181.00 | 6.730% | $0.00 | 1.0 | None | N/A | No | 7.375% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 04/01/2055 | $10,000.00 | 1.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 23.49 | Retail | Yes | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251265 | Non QM | Yes | No | $5,982.75 | $15,271.00 | 7.899% | $5,910.40 | $5,910.40 | 7.750% | No | No | Self-Employed | US Citizen | $10,586.56 | 1 | $8,124.60 | $881.52 | $677.05 | $73.46 | 49.880% | 49.880% | 49.880% | 03/19/2025 | 725 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 26.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 26.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 26.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Expense Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 26.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 26.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 26.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 26.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 26.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2024 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $5,982.75 | 6.730% | $0.00 | 1.8 | None | N/A | No | 7.750% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | Yes | 05/01/2055 | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 32.79 | Retail | No | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251237 | Non QM | Yes | No | $1,640.00 | $7,045.50 | 7.648% | $16,356.51 | $16,356.51 | 8.084% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $31,588.86 | 1 | $16,408.20 | $4,601.04 | $1,367.35 | $383.42 | 44.970% | 44.970% | 47.369% | 03/07/2025 | 710 | No | Yes | 12 | Business | 67.000% | 100.000% | Borrower Prepared | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 11.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 11.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 11.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Expense Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 11.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 11.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 11.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 11.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 11.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 11.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 11.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Borrower-prepared P&L - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 11.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2024 [Coborrower(s) - | Primary Income - Wages]; Other - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2021 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Guaranteed Rate | $1,640.00 | 6.690% | $0.00 | 2.6 | None | N/A | No | 7.250% | 0 | 1 | 0 | 0 | 4 | 0 | 12 | 12.00 | Yes | 05/01/2055 | $7,535.62 | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 16.31 | Retail | No | [Redacted] | $0.00 | $18,750.01 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251315 | Non QM | Yes | No | $1,640.00 | $7,141.16 | 6.963% | $3,941.57 | $3,941.57 | 6.875% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $12,364.60 | 1 | $14,702.52 | $1,854.96 | $1,225.21 | $154.58 | 36.148% | 36.148% | 36.148% | 02/28/2025 | 787 | No | Yes | 24 | Business | 100.000% | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Expense Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Expense Letter - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Guaranteed Rate | $1,640.00 | 6.850% | $5,000.00 | 1.4 | None | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | Yes | 05/01/2055 | $1,156,327.89 | 93.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 82.61 | Retail | No | [Redacted] | $2,942.43 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251319 | Non QM | Yes | No | $2,029.09 | $13,350.09 | 7.813% | $18,706.25 | $25,190.69 | 8.084% | No | No | Not Employed | Self-Employed | US Citizen | US Citizen | $192,137.66 | 1 | $45,573.72 | $6,830.16 | $3,797.81 | $569.18 | 15.167% | 12.304% | 15.167% | 03/25/2025 | 794 | No | Yes | 24 | Business | 100.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 28.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 28.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 28.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Expense Letter - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 28.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Other - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 28.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Other - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 28.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 28.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 28.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; CPA Letter - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | Guaranteed Rate | $2,029.09 | 6.610% | $0.00 | 3.6 | None | N/A | No | 8.084% | 0 | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | Yes | 240 | 05/01/2055 | $359,640.90 | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 13.5 | Retail | No | [Redacted] | $226,488.34 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251292 | Non QM | Yes | No | $15,420.96 | $19,764.06 | 7.145% | $4,624.78 | $4,624.78 | 6.875% | No | No | Self-Employed | US Citizen | $68,153.99 | 1 | $11,000.04 | $2,526.12 | $916.67 | $210.51 | 9.255% | 9.255% | 9.255% | 02/26/2025 | 762 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $15,420.96 | 6.700% | $0.00 | 1.0 | None | N/A | No | 6.875% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | 05/01/2055 | $132,416.34 | 15.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 9.08 | Retail | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251347 | Non QM | Yes | No | $5,211.35 | $6,239.60 | 7.549% | $2,199.80 | $2,199.80 | 7.375% | No | No | Self-Employed | US Citizen | $13,042.42 | 1 | $3,707.04 | $1,245.00 | $308.92 | $103.75 | 20.356% | 20.356% | 20.356% | 02/14/2025 | 746 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2019 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Cross Country | $5,211.35 | 6.880% | $0.00 | 2.2 | None | N/A | No | 7.375% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 05/01/2055 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Risk Score Classic 04 | No | 116.97 | Retail | No | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251395 | Non QM | Yes | No | $2,613.00 | $6,436.88 | 6.921% | $948.10 | $948.10 | 6.500% | No | No | Self-Employed | US Citizen | $1,655.35 | 1 | $1,907.04 | $1,614.00 | $158.92 | $134.50 | 42.857% | 42.857% | 42.857% | 02/13/2025 | 753 | No | Yes | 12 | Personal | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $2,613.00 | 6.850% | $0.00 | 2.8 | None | N/A | No | 6.500% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 05/01/2055 | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 103.52 | Retail | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251334 | Non QM | Yes | No | $1,655.00 | $1,800.02 | 8.117% | $1,174.02 | $1,174.02 | 8.000% | No | No | Self-Employed | US Citizen | $8,431.47 | 1 | $1,752.24 | $2,804.04 | $146.02 | $233.67 | 26.490% | 26.490% | 26.490% | 02/28/2025 | 699 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $1,655.00 | 6.620% | $6,800.00 | 2.9 | None | N/A | No | 8.000% | 0 | 0 | 0 | 1 | 0 | 12 | 0.00 | No | 05/01/2055 | $53,242.07 | 15.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 32.71 | Retail | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251416 | N/A | No | No | $956.41 | $956.41 | 7.750% | No | No | 0 | 0 | Permanent Resident Alien | Non-Permanent Resident Alien | US Citizen | 1 | $2,846.52 | $613.56 | $237.21 | $51.13 | 0.000% | 0.000% | 0.000% | 02/05/2025 | 717 | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 1.9 | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.36 | 0.74 | 04/01/2055 | $71,993.44 | 32.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | VISA | 40.58 | Retail | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251409 | N/A | No | No | $1,999.43 | $1,999.43 | 9.000% | No | No | Non-Permanent Resident Alien | 1 | $9,999.96 | $626.04 | $833.33 | $52.17 | 0.000% | 0.000% | 0.000% | 02/10/2025 | 702 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 2.6 | N/A | No | 9.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.1 | 0.91 | 04/01/2055 | $146,529.92 | 41.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Employment Authorization | 9.36 | Retail | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251261 | N/A | No | No | $2,824.21 | $2,824.21 | 7.250% | No | No | US Citizen | US Citizen | 1 | $8,403.12 | $1,463.52 | $700.26 | $121.96 | 0.000% | 0.000% | 0.000% | 02/26/2025 | 732 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 1.9 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | 04/01/2055 | $287,164.12 | 38.000% | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 57.45 | Retail | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251264 | N/A | No | No | $4,226.05 | $4,226.05 | 6.625% | No | No | US Citizen | 1 | $25,218.24 | $1,740.12 | $2,101.52 | $145.01 | 0.000% | 0.000% | 0.000% | 03/07/2025 | 762 | No | No | DSCR | 0 | 0 | 0 | No | Guaranteed Rate | $0.00 | 3.0 | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | 04/01/2055 | $1,130,195.64 | No | Yes | Preliminary | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 159.33 | Retail | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251385 | N/A | No | No | $2,381.78 | $2,381.78 | 7.000% | No | No | US Citizen | 1 | $3,389.28 | $1,157.04 | $282.44 | $96.42 | 0.000% | 0.000% | 0.000% | 03/06/2025 | 769 | No | No | DSCR | 0 | 0 | 0 | No | Guaranteed Rate | $0.00 | 1.1 | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.08 | 0.93 | 05/01/2055 | $1,659,288.76 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 595.93 | Retail | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251239 | N/A | No | No | $1,519.57 | $1,519.57 | 7.125% | No | No | US Citizen | 1 | $4,073.76 | $1,289.40 | $339.48 | $107.45 | 0.000% | 0.000% | 0.000% | 03/07/2025 | 746 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 1.2 | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.14 | 0.87 | 05/01/2055 | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Risk Score Classic 04 | No | 107.9 | Retail | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251351 | N/A | No | No | $1,793.78 | $1,793.78 | 7.125% | No | No | US Citizen | 2 | $7,668.72 | $2,686.44 | $639.06 | $223.87 | 0.000% | 0.000% | 0.000% | 03/10/2025 | 770 | No | No | DSCR | 0 | 0 | 0 | No | Guaranteed Rate | $0.00 | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.04 | 0.96 | 05/01/2055 | $119,338.82 | 34.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 12.75 | Retail | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251293 | N/A | No | No | $2,102.17 | $2,102.17 | 6.875% | No | No | US Citizen | 1 | $1,019.76 | $423.00 | $84.98 | $35.25 | 0.000% | 0.000% | 0.000% | 01/10/2025 | 782 | No | No | DSCR | 0 | 0 | 0 | No | Guaranteed Rate | $0.00 | 2.1 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.03 | 0.97 | 05/01/2055 | $151,608.73 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 65.31 | Retail | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251323 | N/A | No | No | $3,426.15 | $3,426.15 | 7.500% | No | No | US Citizen | 2 | $4,628.88 | $1,649.04 | $385.74 | $137.42 | 0.000% | 0.000% | 0.000% | 04/07/2025 | 792 | No | No | DSCR | 0 | 0 | 0 | No | Guaranteed Rate | $0.00 | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.16 | 0.86 | 05/01/2055 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 23.94 | Retail | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251332 | N/A | No | No | $2,908.73 | $2,908.73 | 7.500% | No | No | US Citizen | US Citizen | 1 | $2,666.76 | $1,416.96 | $222.23 | $118.08 | 0.000% | 0.000% | 0.000% | 03/24/2025 | 733 | No | No | DSCR | 0 | 0 | 0 | No | Guaranteed Rate | $0.00 | 4.6 | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | 05/01/2055 | $1,154,746.87 | No | Yes | Commitment | Fee Simple | Individual | Trustee | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 355.41 | Retail | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251363 | N/A | No | No | $3,534.71 | $3,534.71 | 7.875% | No | No | 0 | US Citizen | US Citizen | 2 | $13,926.84 | $3,198.12 | $1,160.57 | $266.51 | 0.000% | 0.000% | 0.000% | 02/03/2025 | 763 | 749 | 789 | 791 | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.21 | 0.83 | 05/01/2055 | $103,175.69 | 16.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 32.09 | Retail | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251231 | N/A | No | No | $2,683.75 | $2,683.75 | 7.125% | No | No | US Citizen | US Citizen | 1 | $7,923.24 | $1,511.40 | $660.27 | $125.95 | 0.000% | 0.000% | 0.000% | 04/03/2025 | 723 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 1.0 | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | 240 | 05/01/2055 | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 70.54 | Retail | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251305 | Safe Harbor QM (APOR) | Yes | Yes | $1,729.00 | $4,393.79 | 7.068% | $3,256.69 | $3,256.69 | 6.990% | No | No | Employed | US Citizen | $22,176.29 | 1 | $5,885.04 | $1,771.08 | $490.42 | $147.59 | 31.502% | 31.502% | 31.502% | 02/06/2025 | 763 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | $1,729.00 | 6.870% | $0.00 | 2.7 | DU | ApproveEligible | N/A | No | 6.990% | 1 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | 04/01/2055 | $550,232.91 | 79.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 63.54 | Retail | No | No | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251418 | Safe Harbor QM (APOR) | Yes | Yes | $514.00 | $3,283.90 | 7.021% | $2,442.52 | $2,442.52 | 6.990% | No | No | Employed | Employed | US Citizen | US Citizen | $18,502.55 | 1 | $3,699.00 | $861.00 | $308.25 | $71.75 | 38.044% | 38.044% | 38.044% | 02/11/2025 | 780 | No | No | [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | $514.00 | 6.850% | $5,000.00 | 3.1 | LP / LPA | Accept/Eligible | N/A | No | 6.990% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | No | 05/01/2055 | $256,860.46 | 52.000% | No | 25 | 25 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 43.1 | Retail | No | No | [Redacted] | $0.00 | $15,030.81 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251228 | N/A | No | No | $1,654.91 | $1,654.91 | 7.750% | No | No | US Citizen | 1 | $1,843.56 | $951.24 | $153.63 | $79.27 | 0.000% | 0.000% | 0.000% | 03/21/2025 | 799 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 1.0 | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.06 | 0.94 | 05/01/2055 | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 10.67 | Retail | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20251240 | N/A | No | No | $2,351.64 | $2,351.64 | 7.625% | No | No | US Citizen | 2 | $7,191.36 | $3,206.64 | $599.28 | $267.22 | 0.000% | 0.000% | 0.000% | 03/24/2025 | 797 | No | No | DSCR | 0 | 0 | 0 | Yes | ARCHome | $0.00 | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.65 | 0.61 | 06/01/2055 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 6.46 | Retail | [Redacted] | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250602 | N/A | No | No | $5,318.20 | $5,318.20 | 7.375% | No | No | US Citizen | US Citizen | 1 | $10,931.88 | $2,499.00 | $910.99 | $208.25 | 0.000% | 0.000% | 0.000% | 01/25/2025 | 798 | No | No | DSCR | 0 | 0 | 0 | No | ClearEdge Lending | $0.00 | 1.0 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.91 | 1.1 | 04/01/2055 | $2,946,097.85 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 440.93 | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250637 | N/A | No | No | $1,075.28 | $1,075.28 | 7.625% | No | No | US Citizen | 2 | $3,595.92 | $1,535.04 | $299.66 | $127.92 | 0.000% | 0.000% | 0.000% | 03/13/2025 | 792 | No | No | DSCR | 0 | 0 | 0 | No | ClearEdge Lending | $0.00 | No | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.46 | 0.68 | 04/01/2055 | $51,289.78 | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Yes | 124.79 | [Redacted] | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250693 | N/A | No | No | $773.43 | $773.43 | 7.125% | No | No | US Citizen | 1 | $1,536.12 | $1,103.04 | $128.01 | $91.92 | 0.000% | 0.000% | 0.000% | 01/27/2025 | 789 | No | No | DSCR | 0 | 0 | 0 | No | ClearEdge Lending | $0.00 | 1.0 | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.52 | 0.65 | 04/01/2055 | $1,600.00 | 1.000% | No | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Risk Score Classic 04 | 167.63 | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250581 | Non QM | Yes | No | $11,237.00 | $2,528.98 | 7.678% | $3,357.77 | $3,357.77 | 7.625% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $5,152.19 | 1 | $3,164.04 | $0.00 | $263.67 | $0.00 | 47.819% | 47.819% | 47.819% | 01/11/2025 | 781 | No | Yes | 12 | Personal | 48.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2004 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | ClearEdge Lending | $11,237.00 | 6.930% | $0.00 | None | N/A | No | 7.625% | 0 | 1 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | 03/01/2055 | $128,375.26 | 22.000% | No | 37 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 26.22 | No | [Redacted] | $0.00 | $4,116.68 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250677 | N/A | No | No | $10,725.00 | $11,786.67 | 8.174% | $2,987.29 | $2,987.29 | 7.875% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $100,908.06 | 1 | $7,924.56 | $3,881.88 | $660.38 | $323.49 | 18.132% | 18.132% | 18.132% | 01/17/2025 | 771 | No | Yes | 12 | Business | 100.000% | 33.330% | 33.330% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 33.33% | Expense Ratio: 88.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 33.33% | Expense Ratio: 88.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 33.33% | Expense Ratio: 88.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 33.33% | Expense Ratio: 88.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 33.33% | Expense Ratio: 88.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2020 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2024 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2024 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2020 |
[Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | ClearEdge Lending | $10,725.00 | 6.930% | $2,000.00 | 3.9 | None | Yes | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | 03/01/2055 | $415,532.46 | 81.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 72.7 | No | No | [Redacted] | $61,628.59 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20250587 | Non QM | Yes | No | $9,425.25 | $13,743.91 | 7.324% | $3,268.59 | $4,309.42 | 7.125% | No | No | Self-Employed | US Citizen | $20,030.16 | 1 | $9,174.96 | $3,398.76 | $764.58 | $283.23 | 39.243% | 36.086% | 39.243% | 01/16/2025 | 774 | No | Yes | 24 | Personal | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Personal - 2024 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | ClearEdge Lending | $9,425.25 | 7.070% | $0.00 | 1.0 | DU | ApproveEligible | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 24 | 0.00 | No | 240 | 04/01/2055 | $341,654.00 | 47.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 31.21 | Yes | No | [Redacted] | $0.00 | $0.00 | No | No | No | No |