Vista Point Assets LLC ABS-15G
Exhibit 99.1 - Schedule 4
| Loan ID | Seller Loan ID | Investor Loan ID | Loan Program | Guideline Product Name | Originator Name | Originating Entity CDFI Flag | Guideline Name | Guideline Author | Guideline Date | Guideline Version | Application Date | TILA Status | TRID | GSE | Verified Safe Harbor Flag | Verified Safe Harbor Reference Document | QM Regulation Failures | ATR QM Total Points and Fees Audit | Loan Regulation Benchmark Date | Benchmark Rate | AUS Decision System | Rating Result | Property Inspection Waiver (PIW) | Calculated APR | HUD 1 Page 1 Credits Total | Verified Qualifying Rate | Originator Qualifying Rate | Qualifying P&I | Default Interest Rate Present | Default Interest Rate | Annual Property Tax | Monthly Property Tax | Annual Insurance Costs | Monthly Insurance Cost | Annual HOA Costs | Monthly HOA Costs | Monthly Other Costs | PITIA | Residual Income | HOA Name | HOA Address State | HOA Fee Amount | HOA Next Due Date | HOA Payment Frequency | Originator DTI | TPR Verified DTI | QM DTI | Is Borrower Non Occupant | Is Co Borrower Non Occupant | Co Borrower 2 Asset Verification Level | Co Borrower 3 Asset Verification Level | Co Borrower 2 Income Verification Level | Co Borrower 3 Income Verification Level | Co Borrower 2 Employment Verification Level | Co Borrower 3 Employment Verification Level | Borrower Employment Indicator | Co Borrower Employment Indicator | Co Borrower 2 Employment Indicator | Co Borrower 3 Employment Indicator | Co Borrower 2 Length of Employment | Co Borrower 3 Length of Employment | Document Level | Borrower Years of W2s/1099 | CoBorrower Years of W2s/1099 | Borrower Months of Paystubs Verified | Co Borrower Months of Paystubs Verified | Borrower Employment Gap Letter | Borrower Months of Employment Gap | Co Borrower Employment Gap Letter | Co Borrower Months of Employment Gap | Borrower Years of Personal Tax Returns | Borrower Years of Business Tax Returns | CoBorrower Years of Personal Tax Returns | CoBorrower Years of Business Tax Returns | Years of 4506T | Years of Tax Transcripts | Borrower Award/Offer Letter | Co Borrower Award/Offer Letter | Asset Depletion Flag | Partial Asset Depletion Flag | Asset Depletion Months Amortized | Asset Utilization Flag (No DTI) | Borrower Bank Statements Flag | Borrower Bank Statement Summary/Lender Worksheet | Borrower Number of Personal Bank Statements | Borrower Number of Business Bank Statements | CoBorrower Bank Statements Flag | Co Borrower Bank Statement Summary/Lender Worksheet | CoBorrower Number of Personal Bank Statements | CoBorrower Number of Business Bank Statements | Percent of Income From Statements | Borrower Business Ownership % | CoBorrower Business Ownership % | Bespoke Eligible Assets | Borrower P&L Type | Borrower Number of Months P&L | Borrower P&L Prepared By | CoBorrower P&L Type | CoBorrower P&L Prepared By | CoBorrower Number of Months P&L | Borrower CPA Letter Flag | # of Months CPA verified income | CoBorrower CPA Letter Flag | CoBorrower # of Months CPA verified income | Borrower WVOE Flag | Borrower # of Months Employment Validated WVOE | Borrower # of Months Income Validated WVOE | Borrower WVOE Form Type | CoBorrower WVOE Flag | CoBorrower # of Months WVOE | CoBorrower # of Months Income Validated WVOE | CoBorrower WVOE Form Type | DSCR Flag | TPR DSCR | Originator DSCR | Expense Letter | Income Doc Detail | Tax Return Doc Details | Property Address | Property City | Property State | Property Zip | Property County | Original Credit Report Date | Borrower 1 Credit Report Date | Borrower 2 Credit Report Date | Borrower 3 Credit Report Date | Borrower 4 Credit Report Date | Qualifying Credit Score | Third Wage Earner Original FICO Equifax | Third Wage Earner Original FICO Experian | Third Wage Earner Original FICO Transunion | Fourth Wage Earner Original FICO Equifax | Fourth Wage Earner Original FICO Experian | Fourth Wage Earner Original FICO Transunion | Most Recent Updated Credit Report Date | 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 | 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 | Is Equity Shared Loan | Subordinate Lien Type | Is Shared Appreciation Mortgage | Borrower Originator Citizenship Designation | Borrower Verified Citizenship Designation | Borrower Individual Tax Identification Number (ITIN)? | Borrower Photo Identification Type | Borrower Photo Identification Other Type | Borrower Photo ID State of Issuance | Borrower Photo ID Country of Issuance | Borrower Photo ID Expiration Date | Borrower Passport Country of Origin | Borrower Passport Expiration Date | Borrower Non-US Citizen Identification Document | Borrower Date of Resident Since/Valid Date | Borrower Non-US Document Expiration Date | Co Borrower Originator Citizenship Designation | Co Borrower Verified Citizenship Designation | Co Borrower Individual Tax Identification Number (ITIN)? | Co Borrower Photo Identification Type | Co Borrower Photo Identification Other Type | Co Borrower Photo ID State of Issuance | Co Borrower Photo ID Country of Issuance | Co Borrower Photo ID Expiration Date | Co Borrower Passport Country of Origin | Co Borrower Passport Expiration Date | Co Borrower Non-US Citizen Identification Document | Co Borrower Date of Resident Since/Valid Date | Co Borrower Non-US Document Expiration Date | Co Borrower 2 Originator Citizenship Designation | Co Borrower 2 Verified Citizenship Designation | Co Borrower 2 Individual Tax Identification Number (ITIN)? | Co Borrower 2 Photo Identification Type | Co Borrower 2 Photo Identification Other Type | Co Borrower 2 Photo ID State of Issuance | Co Borrower 2 Photo ID Country of Issuance | Co Borrower 2 Photo ID Expiration Date | Co Borrower 2 Passport Country of Origin | Co Borrower 2 Passport Expiration Date | Co Borrower 2 Non-US Citizen Identification Document | Co Borrower 2 Date of Resident Since/Valid Date | Co Borrower 2 Non-US Document Expiration Date | Co Borrower 3 Originator Citizenship Designation | Co Borrower 3 Verified Citizenship Designation | Co Borrower 3 Individual Tax Identification Number (ITIN)? | Co Borrower 3 Photo Identification Type | Co Borrower 3 Photo Identification Other Type | Co Borrower 3 Photo ID State of Issuance | Co Borrower 3 Photo ID Country of Issuance | Co Borrower 3 Photo ID Expiration Date | Co Borrower 3 Passport Country of Origin | Co Borrower 3 Passport Expiration Date | Co Borrower 3 Non-US Citizen Identification Document | Co Borrower 3 Date of Resident Since/Valid Date | Co Borrower 3 Non-US Document Expiration Date | Property Rights | Buydown Flag | Assumable Mortgage Flag | Foreign National Alternative Credit Documentation | Liquid / Cash Reserves | Months Liquid Reserves | Total Assets Available for Reserves | Months Reserves | Blanket Mortgage Flag | Qualifying HCLTV | Condo Warrantability Flag |
| 11033534 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 41.31% | 41.31% | No | Employed | 2YR Full Doc | 2 | 0 | 2+ Months | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, Missing IRS Transcripts Verified - 2024 | Borrower - 2 YRS Executed 4506T Verified, Missing IRS Transcripts Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 64.26 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 15810127 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 48.95% | 48.95% | No | Retired | Full Documentation | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | Yes | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - Other, Retirement - 2 YRS Executed 4506T Verified, Award Letter Verified - 2024 | Borrower - 2 YRS Executed 4506T Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 45.06 | Yes | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12756133 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 43.85% | 43.85% | No | Self-Employed | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 0.00% | 100.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 64.02 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 15106488 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 49.09% | 49.09% | No | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 100.00% | 100.00% | N/A | 0 | N/A | Yes | 72 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SECorporation, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 72.07 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 16779489 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 38.50% | 38.50% | No | Self-Employed | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% | Third-Party Prepared (Unaudited) | 12 | CPA | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, Executed 4506T Verified - 2024 | Borrower - Executed 4506T Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.93 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 15144075 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 49.27% | 49.27% | No | No | Self-Employed | Employed | 12 Month Bank Statement | 0 | 2 | NA | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 0.00% | 100.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | Yes | 183 | 35 | FNMA 1005 | No | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified || Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified || Co Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 84.87 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 18112751 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 49.47% | 49.47% | No | Employed | 2YR Full Doc | 2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 124 | 36 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - Wage, Overtime and Bonus, Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 64.1 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 16898352 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 40.89% | 40.89% | Yes | Self-Employed | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% | Third-Party Prepared (Unaudited) | 12 | CPA | N/A | N/A | 0 | Yes | 85 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.83 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 17630328 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 38.79% | 38.79% | No | No | Self-Employed | Not Employed | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - SESoleProprietor - 2 YRS Executed 4506T Verified, Business Bank Statements Verified || Co Borrower - 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified || Co Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Enhanced Driver's License (MI, MN, NY, VT, WA) | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Enhanced Driver's License (MI, MN, NY, VT, WA) | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 59.88 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 15100964 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | xxx | xxx | Yes | xxx | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 42.02% | 42.02% | Yes | Self-Employed | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 99.00% | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.18 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11841028 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 40.77% | 40.77% | No | No | Employed | Employed | 2YR Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 24 | 24 | FNMA 1005 | No | 0 | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified || Co Borrower - Wage, Retirement - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified || Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 22.03 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 16596346 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 29.92% | 29.92% | No | Self-Employed | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% | Audited | 12 | CPA | N/A | N/A | 0 | Yes | 48 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 73.07 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 13275728 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 22.60% | 22.60% | Yes | Self-Employed | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024 | Borrower - 3 YRS Executed 4506T Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 69.91 | Yes | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 19931313 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 44.36% | 44.36% | Yes | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 1 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 100.00% | 100.00% | N/A | 0 | N/A | Yes | 101 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor, SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, Executed 4506T Verified, Business Bank Statements Verified - 2024 | Borrower - Executed 4506T Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 70.0 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11611769 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 42.48% | 42.48% | Yes | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 103.40% | 100.00% | N/A | 0 | N/A | Yes | 122 | No | NA | 0 | 0 | N/A | 0 | No | 0 | Borrower - SEPartnership, SEPartnership, SEPartnership, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024 | Borrower - 3 YRS Executed 4506T Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 70.0 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 18507930 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 45.56% | 45.56% | Yes | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 2 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 24 | No | 100.00% | 100.00% | N/A | 0 | N/A | Yes | 24 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor, SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024 | Borrower - 2 YRS Executed 4506T Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.92 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12599442 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 43.96% | 43.96% | Yes | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 24 | No | 100.00% | 100.00% | N/A | 0 | N/A | Yes | 122 | No | NA | 0 | 0 | N/A | 0 | No | 0 | Borrower - SESoleProprietor, SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024 | Borrower - 3 YRS Executed 4506T Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 70.0 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 19354948 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 37.62% | 37.62% | No | Self-Employed | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 50.00% | Third-Party Prepared (Unaudited) | 12 | CPA | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - SECorporation - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 79.96 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 17457029 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 27.59% | 27.59% | No | Self-Employed | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% | Third-Party Prepared (Unaudited) | 13 | Tax Preparer | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 58.2 | Yes | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 18114177 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 23.73% | 23.73% | No | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 100.00% | 100.00% | N/A | 0 | N/A | Yes | 122 | No | NA | 0 | 0 | N/A | 0 | No | 0 | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 35.25 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12199125 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 49.56% | 49.56% | No | Self-Employed | 2YR Full Doc | 2 | 0 | 2+ Months | NA | N/A | 0 | N/A | 0 | 2 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 132 | 130 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - Wage, SESoleProprietor, SSI and Disability, Retirement, Retirement - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 59.28 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 17889591 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 49.58% | 49.58% | No | Employed | 2YR Full Doc | 2 | 1 Month | N/A | 0 | 0 | 0 | 3 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - Wage, Overtime and Bonus, Overtime and Bonus - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 56.86 | Yes | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 13256404 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 41.51% | 41.51% | Yes | Self-Employed | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% | Audited | 12 | CPA | N/A | N/A | 0 | Yes | 36 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.71 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 16686281 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 49.39% | 49.39% | Yes | Employed | 2YR Full Doc | 2 | 1 Month | N/A | 0 | 0 | 0 | 2 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 142 | 25 | Work Number | 0 | No | 0 | N/A | Borrower - Wage, Overtime and Bonus, Subject Property Net Rental Income(Loss) if NOO - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 1040 Schedule E Verified | Borrower - 2 YRS Executed 4506T Verified, 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.64 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 18332962 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 41.93% | 41.93% | No | No | Employed | Employed | 2YR Full Doc | 2 | 2 | 1 Month | Less than 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 315 | 35 | Other | Yes | 232 | 35 | Other | No | 0 | N/A | Borrower - Wage, Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified || Co Borrower - Wage - 2 YRS W2 1099 Verified, Less than 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified || Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 71.58 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 18770698 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 49.09% | 49.09% | No | Employed | 2YR Full Doc | 0 | 2+ Months | N/A | 0 | 2 | 0 | 3 | 2 | Yes | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 24 | 24 | Other | 0 | No | 0 | N/A | Borrower - Wage, SESCorp, SSI and Disability, Overtime and Bonus, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified, 1040 Schedule E Verified | Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.69 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11224596 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 14.90% | 14.90% | No | No | Self-Employed | Self-Employed | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 51.00% | 39.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - SESCorp, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2024 || Co Borrower - SESCorp - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024 | Borrower - 2024 || Co Borrower - 3 YRS Executed 4506T Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 80.0 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 18274429 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 48.14% | 48.14% | No | Employed | 2YR Full Doc | 2 | 1 Month | N/A | 0 | 0 | 0 | 2 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 72 | 36 | FNMA 1005 | 0 | No | 0 | N/A | Borrower - Wage, Retirement - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 73.61 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 17468613 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 47.99% | 47.99% | No | No | Employed | Employed | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified || Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified || Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 68.11 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 16582318 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 16.75% | 16.75% | No | Self-Employed | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 144 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 29.39 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 13560153 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 49.77% | 49.77% | No | No | Employed | Employed | 2YR Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified || Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified || Co Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 71.03 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 10009073 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 41.87% | 41.87% | Yes | Employed | Written Verification of Employment | 0 | 0 | Less than 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 81 | 24 | Work Number | NA | 0 | 0 | N/A | No | 0 | Borrower - Wage, Other, Subject Property Net Rental Income(Loss) if NOO - Less than 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 69.72 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 14540371 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 41.94% | 41.94% | No | No | Self-Employed | Employed | 12 Month Bank Statement | 0 | 2 | NA | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 1 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | Yes | 0 | 0 | 57.31% | 100.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 83 | No | 0 | NA | 0 | 0 | N/A | Yes | 144 | 26 | Work Number | No | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024 || Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified - 2024 || Co Borrower - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 63.57 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 16146977 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | Yes | No | No | N/A | N/A | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 38.44% | 38.44% | Yes | Employed | 1YR Full Doc | 1 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 1 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - Wage, Overtime and Bonus, Subject Property Net Rental Income(Loss) if NOO - 1 YR Personal Tax Returns Verified, 1 YR W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 76.03 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11894605 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 30.58% | 30.58% | No | Self-Employed | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% | Audited | 12 | CPA | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 73.1 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 15413860 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 49.57% | 49.57% | Yes | Self-Employed | 24 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 24 | No | N/A | 0 | 0 | 100.00% | 100.00% | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | Non Permanent Resident Alien | Non-Permanent Non-US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | Work Visa | xxx | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 62.78 | Yes | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 10800514 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 34.67% | 34.67% | No | No | Self-Employed | Unknown | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 72 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024 || Co Borrower - N/A - 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified - 2024 || Co Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 70.79 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 16919523 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 49.60% | 49.60% | No | Employed | 2YR Full Doc | 2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 2 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 28 | 25 | Work Number | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - Wage - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 58.74 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 18611771 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 42.17% | 42.17% | No | Employed | 2YR Full Doc | 2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 305 | 25 | Work Number | NA | 0 | 0 | N/A | No | 0 | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 80.0 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 14220866 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 39.74% | 39.74% | No | No | Employed | Employed | 2YR Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified || Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified || Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 76.48 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 16823754 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 33.39% | 33.39% | No | No | Employed | Employed | 2YR Full Doc | 2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 293 | 25 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified || Co Borrower - Wage - 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified || Co Borrower - 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 90.0 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 13181072 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 49.32% | 49.32% | No | Retired | 2YR Full Doc | 1 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | Yes | NA | No | No | 0 | No | Yes | Yes | 2 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - Retirement, SSI and Disability - 1 YR W2 1099 Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified, Personal Bank Statements Verified - 2024 | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 57.81 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 14670864 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 20.98% | 20.98% | Yes | Employed | 2YR Full Doc | 2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 2 | 0 | 0 | 0 | 2 | 3 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 104 | 24 | Work Number | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified, Lease Agreements Verified, 1040 Schedule E Verified | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified, 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 67.19 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 15080012 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 41.96% | 41.96% | No | Employed | 2YR Full Doc | 2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | Yes | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 83.72 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12484496 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 42.39% | 42.39% | No | No | Self-Employed | Self-Employed | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 50.00% | 50.00% | Audited | 24 | CPA | Audited | CPA | 24 | Yes | 24 | Yes | 24 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified || Co Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified || Co Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 70.03 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 13017772 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 16.11% | 16.11% | No | Self-Employed | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% | Third-Party Prepared (Unaudited) | 12 | CPA | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - 2024 | Borrower - 3 YRS Executed 4506T Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.06 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 19418350 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 26.27% | 26.27% | No | Self-Employed | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% | Audited | 12 | CPA | N/A | N/A | 0 | Yes | 12 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - 2024 | Borrower - 3 YRS Executed 4506T Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 61.97 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 15510979 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 34.22% | 34.22% | No | Employed | 2YR Full Doc | 2 | 0 | 2+ Months | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 75.0 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11249929 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 36.19% | 36.19% | No | Self-Employed | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% | Audited | 12 | CPA | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 48.79 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12732749 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 30.42% | 30.42% | No | Self-Employed | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 0.00% | 100.00% | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 196 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024 | Borrower - 3 YRS Executed 4506T Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 56.6 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 14299112 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 48.61% | 48.61% | No | Self-Employed | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 12 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 120 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Personal Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.91 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11687486 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 46.33% | 46.33% | No | No | Employed | Employed | 2YR Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 189 | 24 | Work Number | Yes | 66 | 25 | Work Number | No | 0 | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified || Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified || Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Other | Us Patriot Act | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 89.76 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 15795471 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 20.20% | 20.20% | No | Self-Employed | 2YR Full Doc | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 2 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% | Borrower Prepared | 12 | Borrower | N/A | N/A | 0 | Yes | 84 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 59.71 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 18818683 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 35.87% | 35.87% | No | No | Employed | Not Employed | 1YR Full Doc | 1 | 0 | 2+ Months | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | Yes | 84.0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - Wage, Asset Depletion, Other REO Net Rental Income(Loss) - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified || Co Borrower - 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified || Co Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Unknown | US Citizen | N/A | Standard Driver's License - Not for federal Use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 89.99 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11645136 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 27.89% | 27.89% | No | Self-Employed | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 60 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024 | Borrower - 3 YRS Executed 4506T Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | Permanent Resident Alien | Permanent Non-US Citizen | Real ID Driver's License | xxx | United States | xxx | I-551 Permanent Resident Card | xxx | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 77.64 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11702900 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 46.46% | 46.46% | No | Self-Employed | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - SESCorp, Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024 | Borrower - 3 YRS Executed 4506T Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.59 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 13517996 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 48.65% | 48.65% | No | Self-Employed | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% | Audited | 12 | CPA | N/A | N/A | 0 | Yes | 48 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 71.13 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 13078836 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 11.43% | 11.43% | Yes | Self-Employed | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 36 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - SESCorp, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 64.94 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 19082908 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 48.35% | 48.35% | No | Self-Employed | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% | Third-Party Prepared (Unaudited) | 12 | Accountant/Bookkeeper | N/A | N/A | 0 | Yes | 83 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - 2024 | Borrower - 3 YRS Executed 4506T Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 51.5 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 18724672 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 36.61% | 36.61% | No | Self-Employed | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 61 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | I-551 Stamp and Passport | xxx | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.49 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 17588157 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 11.20% | 11.20% | No | Self-Employed | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 36 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024 | Borrower - 3 YRS Executed 4506T Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 67.05 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 19470434 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 40.31% | 40.31% | No | Employed | 2YR Full Doc | 2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | Yes | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - SECorporation, Other - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 89.99 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 19456563 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 32.19% | 32.19% | No | Self-Employed | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 60 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024 | Borrower - 3 YRS Executed 4506T Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 27.15 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 13561817 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 49.32% | 49.32% | No | Self-Employed | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 218 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 34.38 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11990492 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 46.07% | 46.07% | No | Self-Employed | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% | Audited | 12 | CPA | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - 2024 | Borrower - 3 YRS Executed 4506T Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 65.32 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 14226155 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 48.56% | 48.56% | No | No | Employed | Employed | 2YR Full Doc | 2 | 2 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 130 | 25 | FNMA 1005 | Yes | 108 | 36 | FNMA 1005 | No | 0 | 0.0 | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, Written VOE Verified, 2 YRS Executed 4506T Verified || Co Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, Written VOE Verified, 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified || Co Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | USA Patriot Act | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 68.69 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 16536009 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 43.72% | 43.72% | No | No | Employed | Employed | 2YR Full Doc | 0 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | Yes | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 50 | 24 | Work Number | Yes | 44 | 25 | Work Number | No | 0 | N/A | Borrower - Wage - 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified || Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified || Co Borrower - 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 73.92 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 18771197 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 49.65% | 49.65% | No | Self-Employed | 2YR Full Doc | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 2 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% | Borrower Prepared | 12 | Borrower | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - SESoleProprietor, Other - 2 YRS Personal Tax Returns Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.89 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 14687491 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 30.11% | 30.11% | No | Employed | 2YR Full Doc | 2 | 0 | 2+ Months | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 80 | 24 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.89 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 13787750 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 42.28% | 42.28% | No | Self-Employed | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - Other, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - 2024 | Borrower - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 73.58 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12448705 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 0.00% | 0.00% | No | Self-Employed | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - SECorporation - CPA Letter Verified, Business Bank Statements Verified - 2024 | Borrower - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 37.07 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 16572306 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 46.72% | 46.72% | No | No | Employed | Self-Employed | 12 Month Bank Statement | 2 | 0 | 2+ Months | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | Yes | Yes | 0 | 12 | 46.24% | 0.00% | 100.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | Yes | 120 | Yes | 205 | 205 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified || Co Borrower - SESoleProprietor - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 2 YRS Executed 4506T Verified || Co Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | I-151 Permanent Resident Card | xxx | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 64.74 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 17857054 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 49.50% | 49.50% | No | No | Retired | Retired | 1YR Full Doc | 1 | 1 | NA | NA | N/A | 0 | N/A | 0 | 2 | 0 | 2 | 0 | 3 | 2 | Yes | Yes | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - Retirement, Retirement - 2 YRS Personal Tax Returns Verified, 1 YR W2 1099 Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified || Co Borrower - Retirement - 2 YRS Personal Tax Returns Verified, 1 YR W2 1099 Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified | Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified || Co Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 47.39 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 19291640 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 32.35% | 32.35% | No | Self-Employed | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 12 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024 | Borrower - 3 YRS Executed 4506T Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.91 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 14727082 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 43.83% | 43.83% | No | Self-Employed | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% | Audited | 12 | CPA | N/A | N/A | 0 | Yes | 97 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 73.21 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 13827497 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 30.83% | 30.83% | No | Self-Employed | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% | Third-Party Prepared (Unaudited) | 23 | CPA | N/A | N/A | 0 | Yes | 60 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 57.85 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11429613 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 31.80% | 31.80% | No | Self-Employed | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% | Audited | 12 | Accountant/Bookkeeper | N/A | N/A | 0 | Yes | 169 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - 2024 | Borrower - 3 YRS Executed 4506T Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | Permanent Resident Alien | Permanent Non-US Citizen | Other | USA Patriot Act | xxx | United States | xxx | I-551 Permanent Resident Card | xxx | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 40.34 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 16262012 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 40.27% | 40.27% | No | Employed | 2YR Full Doc | 0 | NA | N/A | 0 | 0 | 0 | 2 | 2 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 115 | 25 | FNMA 1005 | 0 | No | 0 | N/A | Borrower - Commission - Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.99 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 15439394 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 32.05% | 32.05% | No | Retired | 1YR Full Doc | 1 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | Yes | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - SSI and Disability, SSI and Disability - 1 YR W2 1099 Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified - 2024 | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.88 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 14524104 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 22.28% | 22.28% | No | Employed | 2YR Full Doc | 2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 295 | 24 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - Wage, Overtime and Bonus, Commission - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 74.75 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 17354295 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 49.76% | 49.76% | No | No | Retired | Retired | 2YR Full Doc | 2 | 2 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - Retirement, Retirement - 2 YRS W2 1099 Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified || Co Borrower - Retirement - 2 YRS W2 1099 Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified || Co Borrower - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 0 | 101 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.75 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 19904599 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 49.33% | 49.33% | No | Employed | 2YR Full Doc | 2 | 0 | 2+ Months | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 66.25 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12949342 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 18.50% | 18.50% | No | Self-Employed | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% | Audited | 12 | CPA | N/A | N/A | 0 | Yes | 36 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0.0 | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 68.6 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11137889 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 29.18% | 29.18% | No | Self-Employed | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | I-551 Permanent Resident Card | xxx | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 71.86 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 16106039 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 46.33% | 46.33% | No | No | Self-Employed | Employed | 12 Month Bank Statement | 0 | 2 | NA | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | Yes | 0 | 0 | 0.00% | 100.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 48 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024 || Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified - 2024 || Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 71.31 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 15656488 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 18.62% | 18.62% | No | Self-Employed | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% | Audited | 12 | CPA | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 68.5 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11085715 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 24.44% | 24.44% | No | Self-Employed | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - SECorporation - Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 84.82 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11795637 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 49.43% | 49.43% | Yes | Self-Employed | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% | Third-Party Prepared (Unaudited) | 12 | CPA | N/A | N/A | 0 | Yes | 91 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - Other, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - 2024 | Borrower - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.98 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 18812824 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 49.34% | 49.34% | No | Employed | 2YR Full Doc | 2 | 0 | 2+ Months | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 99 | 25 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 72.28 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 16138433 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 45.26% | 45.26% | No | No | Employed | Employed | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified || Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified || Co Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 72.85 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 19183225 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 30.70% | 30.70% | No | No | Not Employed | Employed | 1YR Full Doc | 0 | 1 | NA | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - 2 YRS Executed 4506T Verified || Co Borrower - Wage - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024 | Borrower - 2 YRS Executed 4506T Verified || Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 65.25 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11571787 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 49.52% | 49.52% | No | Employed | 2YR Full Doc | 1 | NA | N/A | 0 | 0 | 0 | 2 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 316 | 25 | FNMA 1005 | 0 | No | 0 | N/A | Borrower - Wage, Overtime and Bonus - 1 YR W2 1099 Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Passport | xxx | United States | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 61.17 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 18075600 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 42.72% | 42.72% | No | No | Retired | Retired | 2YR Full Doc | 2 | 2 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - Retirement - 2 YRS W2 1099 Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2024 || Co Borrower - Retirement - 2 YRS W2 1099 Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2024 | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2024 || Co Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 58.04 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 14001554 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 42.37% | 42.37% | No | No | Retired | Employed | 1YR Full Doc | 1 | 2 | NA | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | Yes | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 93 | 25 | Work Number | No | 0 | N/A | Borrower - Retirement, Retirement - 1 YR W2 1099 Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified || Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified || Co Borrower - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 76.98 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12618340 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 42.11% | 42.11% | No | No | Employed | Employed | 2YR Full Doc | 0 | 0 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 123 | 25 | FNMA 1005 | Yes | 57 | 26 | FNMA 1005 | No | 0 | N/A | Borrower - Wage - 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified || Co Borrower - Wage - 1 Month Paystubs Verified, Written VOE Verified, 1 YR Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified || Co Borrower - 1 YR Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.27 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 15101890 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 43.89% | 43.89% | No | No | Employed | Employed | 2YR Full Doc | 1 | 2 | Less than 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 118 | 24 | Work Number | Yes | 136 | 24 | Work Number | No | 0 | 0.0 | N/A | Borrower - Wage, Overtime and Bonus - 1 YR W2 1099 Verified, Less than 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified || Co Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified || Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 85.0 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 16470350 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 45.03% | 45.03% | No | No | Self-Employed | Self-Employed | 2YR Full Doc | 2 | 2 | 1 Month | NA | N/A | 0 | N/A | 0 | 2 | 2 | 2 | 2 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 50.00% | 50.00% | Borrower Prepared | 12 | Borrower | Borrower Prepared | Borrower | 12 | Yes | 13 | Yes | 13 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | Borrower - SEPartnership, Wage, SESCorp - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified || Co Borrower - SEPartnership, SESCorp - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS W2 1099 Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified || Co Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 77.71 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 13707828 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 46.63% | 46.63% | No | No | Employed | Employed | 1YR Full Doc | 1 | 1 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 100.00% | 100.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - Wage, Commission, Other - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified || Co Borrower - Wage, Overtime and Bonus - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified || Co Borrower - 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 65.09 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 13388067 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 27.54% | 27.54% | No | No | Employed | Employed | 2YR Full Doc | 2 | 1 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 100.00% | 100.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 36 | 24 | Work Number | No | 0 | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified || Co Borrower - Wage - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified || Co Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 78.51 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 10968362 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 45.44% | 45.44% | No | Employed | 2YR Full Doc | 2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 24 | 24 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - Wage, Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 60.54 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 14891739 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 42.45% | 42.45% | No | No | Employed | Not Employed | 2YR Full Doc | 2 | 2 | 2+ Months | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 22 | 5 | Work Number | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024 || Co Borrower - SSI and Disability, Retirement - 2 YRS W2 1099 Verified, 1 YR IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024 || Co Borrower - 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | US Citizen | Non-Permanent Non-US Citizen | Real ID Driver's License | xxx | NEVEDA | xxx | Missing | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 87.06 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 10051628 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 39.90% | 39.90% | No | No | Employed | Employed | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 122 | 26 | FNMA 1005 | Yes | 169 | 36 | FNMA 1005 | No | 0 | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified || Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified || Co Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 76.95 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 19044507 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 48.35% | 48.35% | No | Employed | 2YR Full Doc | 2 | 2+ Months | N/A | 0 | 0 | 0 | 2 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 114 | 26 | FNMA 1005 | 0 | No | 0 | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.9 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 10137932 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 36.99% | 36.99% | No | Employed | 2YR Full Doc | 2 | 2+ Months | N/A | 0 | 0 | 0 | 1 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 5 | 5 | FNMA 1005 | 0 | No | 0 | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | .00 | 0 | No | 51.99 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 19275161 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 42.12% | 42.12% | No | No | Self-Employed | Self-Employed | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 40.00% | 100.00% | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 229 | Yes | 180 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - 2024 || Co Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - 2024 | Borrower - 2024 || Co Borrower - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 27.06 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 19106400 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 49.99% | 49.99% | No | No | Self-Employed | Employed | 1YR Business P&L | 0 | 2 | NA | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 100.00% | 0.00% | Audited | 12 | CPA | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | Yes | 241 | 25 | FNMA 1005 | No | 0 | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified, IRS Transcripts Verified || Co Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, IRS Transcripts Verified || Co Borrower - 3 YRS Executed 4506T Verified, IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 37.36 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 18646272 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 35.82% | 35.82% | No | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | Audited | 12 | CPA | Yes | 88 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.04 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12077235 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 33.98% | 33.98% | Yes | Yes | Self-Employed | Self-Employed | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 100.00% | 100.00% | Audited | 12 | CPA | Audited | CPA | 12 | Yes | 300 | Yes | 300 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified || Co Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified || Co Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.78 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 19835747 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 41.78% | 41.78% | Yes | Retired | 1YR Full Doc | 1 | 1 Month | N/A | 0 | 1 | 0 | 3 | 1 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - Retirement, Retirement, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 1 YR W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - 2023 | Borrower - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - 2023 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 53.24 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 19682940 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 36.36% | 36.36% | No | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | Third-Party Prepared (Unaudited) | 12 | Tax Preparer | Yes | 96 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESCorp - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - 2024 | Borrower - 3 YRS Executed 4506T Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 1 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 75.58 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11584218 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 44.72% | 44.72% | No | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 100.00% | 100.00% | N/A | 0 | N/A | Yes | 120 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESCorp - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024 | Borrower - 3 YRS Executed 4506T Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 79.92 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 15690228 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 47.66% | 47.66% | No | Employed | 2YR Full Doc | 2 | 2+ Months | N/A | 0 | 0 | 0 | 2 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - Wage, Retirement, Other, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.98 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 14916597 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 29.85% | 29.85% | No | No | Retired | Employed | 2YR Full Doc | 2 | 2 | NA | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - Retirement - 2 YRS W2 1099 Verified, 2 YRS Executed 4506T Verified || Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified || Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 58.23 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 16515923 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | Yes | No | No | N/A | N/A | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 46.98% | 46.98% | Yes | Yes | Self-Employed | Employed | 12 Month Bank Statement | 0 | 2 | NA | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | Yes | 0 | 0 | 62.23% | 90.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, Business Bank Statements Verified - 2024 || Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2024 || Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.75 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 13197997 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 44.73% | 44.73% | No | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 100.00% | 100.00% | N/A | 0 | N/A | Yes | 337 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024 | Borrower - 3 YRS Executed 4506T Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 65.28 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 16317910 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 42.36% | 42.36% | No | No | Employed | Employed | 2YR Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 3 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 100.00% | 100.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified || Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified || Co Borrower - 2 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.83 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 10400959 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 34.92% | 34.92% | No | No | Employed | Employed | 2YR Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 157 | 24 | Work Number | Yes | 170 | 24 | Work Number | No | 0 | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified || Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified || Co Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 71.01 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 16356274 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 34.81% | 34.81% | No | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 2 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 100.00% | 100.00% | N/A | 0 | N/A | Yes | 67 | No | NA | 0 | 0 | N/A | 0 | No | 0 | Borrower - SESoleProprietor - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024 | Borrower - 2 YRS Executed 4506T Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 72.62 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 17081698 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 46.73% | 46.73% | No | Self-Employed | 2YR Full Doc | 0 | NA | N/A | 0 | 2 | 2 | 2 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | Borrower Prepared | 12 | Borrower | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 64.36 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12903079 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 40.24% | 40.24% | No | No | Employed | Self-Employed | 2YR Full Doc | 2 | 2 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 1 | 1 | 3 | 1 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 100.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 196 | 24 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified || Co Borrower - SESoleProprietor - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified, 2 YRS W2 1099 Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified || Co Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | 0 | No | 89.99 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 15606452 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 43.61% | 43.61% | No | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | Third-Party Prepared (Unaudited) | 12 | Tax Preparer | Yes | 144 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - 2024 | Borrower - 3 YRS Executed 4506T Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.87 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 15283377 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 21.78% | 21.78% | No | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 100.00% | 100.00% | Third-Party Prepared (Unaudited) | 12 | CPA | Yes | 24 | No | NA | 0 | 0 | N/A | 0 | No | 0 | Borrower - SECorporation, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 80.0 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 13659585 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 40.76% | 40.76% | Yes | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 100.00% | 100.00% | N/A | 0 | N/A | Yes | 170 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 68.14 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 15811570 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 49.40% | 49.40% | No | Not Employed | 2YR Full Doc | 0 | NA | N/A | 0 | 0 | 0 | 2 | 2 | Yes | No | No | 0 | No | No | N/A | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - Retirement, SSI and Disability - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified - 2025 | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2025 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.78 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 18479794 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 44.52% | 44.52% | No | Employed | 2YR Full Doc | 2 | Less than 1 Month | N/A | 0 | 2 | 0 | 2 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 78 | 25 | FNMA 1005 | 0 | No | 0 | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, Less than 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 80.0 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12688669 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 47.56% | 47.56% | No | Employed | 2YR Full Doc | 2 | 1 Month | N/A | 0 | 0 | 0 | 2 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 5 | 5 | Work Number | 0 | No | 0 | N/A | Borrower - Wage, Other - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.23 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 19159896 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 42.92% | 42.92% | No | No | Employed | Self-Employed | 2YR Full Doc | 2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 2 | 0 | 2 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 100.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified || Co Borrower - SESoleProprietor - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified || Co Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 71.97 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 18686653 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 26.54% | 26.54% | No | No | Self-Employed | Self-Employed | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 100.00% | 100.00% | Audited | 12 | CPA | Audited | CPA | 12 | Yes | 24 | Yes | 24 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified || Co Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified || Co Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.73 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 16885191 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 25.55% | 25.55% | No | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 2 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 100.00% | 99.00% | N/A | 0 | N/A | Yes | 108 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | Non Permanent Resident Alien | Non-Permanent Non-US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | Employment Authorization Document (I-821D) | xxx | Fee Simple | No | No | N/A | .00 | .00 | .00 | 0 | No | 79.6 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12390582 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 31.54% | 31.54% | No | No | Self-Employed | Not Employed | 12 Month Bank Statement | 2 | 0 | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 1 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 80.25% | 100.00% | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 54 | No | 0 | Yes | 247 | 25 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - Wage, SESCorp - CPA Letter Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, Business Bank Statements Verified || Co Borrower - null Paystubs Verified | Borrower - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified || Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.87 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 19067194 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 26.89% | 26.89% | No | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 2 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 100.00% | 50.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SEPartnership - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024 | Borrower - 2 YRS Executed 4506T Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 55.74 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 13612321 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 48.20% | 48.20% | No | No | Retired | Retired | 2YR Full Doc | 2 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 3 | Yes | Yes | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - Retirement, SSI and Disability - 2 YRS W2 1099 Verified, 2 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified, Award Letter Verified || Co Borrower - SSI and Disability, SSI and Disability - 2 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified, Award Letter Verified - 2024 | Borrower - 2 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified || Co Borrower - 2 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 63.55 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 10915462 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 30.45% | 30.45% | No | No | Employed | Employed | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 343 | 25 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - Wage, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified || Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified || Co Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 49.9 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 16168824 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 46.15% | 46.15% | No | Employed | 2YR Full Doc | 2 | 2+ Months | N/A | 0 | 0 | 0 | 3 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - Wage, Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 63.68 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 15319711 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 43.23% | 43.23% | No | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | Audited | 12 | CPA | Yes | 62 | No | NA | 0 | 0 | N/A | 0 | No | 0 | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 64.83 | Yes | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12541219 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 25.46% | 25.46% | No | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | Third-Party Prepared (Unaudited) | 12 | CPA | Yes | 71 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - Other - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.76 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 15232110 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 46.13% | 46.13% | No | Employed | 2YR Full Doc | 2 | 1 Month | N/A | 0 | 0 | 0 | 2 | 2 | Yes | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 36 | 24 | FNMA 1005 | 0 | No | 0 | Borrower - Wage, Other - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 71.67 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 16711312 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 49.07% | 49.07% | No | No | Employed | Employed | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 48 | 13 | FNMA 1005 | Yes | 66 | 25 | Work Number | No | 0 | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified || Co Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified || Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 42.15 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12350720 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 38.57% | 38.57% | No | Employed | 2YR Full Doc | 2 | 2+ Months | N/A | 0 | 0 | 0 | 2 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 29 | 25 | Work Number | 0 | No | 0 | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 73.36 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11734191 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 42.87% | 42.87% | No | Employed | 2YR Full Doc | 2 | 2+ Months | N/A | 0 | 1 | 0 | 2 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 97 | 25 | FNMA 1005 | 0 | No | 0 | N/A | Borrower - Wage, Overtime and Bonus, Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.99 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 19861386 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 47.22% | 47.22% | No | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | Audited | 12 | CPA | Yes | 24 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.82 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11151228 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 39.53% | 39.53% | No | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | Audited | 12 | CPA | Yes | 86 | No | NA | 0 | 0 | N/A | 0 | No | 0 | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 59.89 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 17320795 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 33.24% | 33.24% | No | No | Self-Employed | Not Employed | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 60 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified || Co Borrower - 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified || Co Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 48.61 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 16987725 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 30.21% | 30.21% | Yes | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 100.00% | 100.00% | N/A | 0 | N/A | Yes | 108 | No | NA | 0 | 0 | N/A | 0 | No | 0 | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024 | Borrower - 3 YRS Executed 4506T Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.88 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11607023 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 49.23% | 49.23% | No | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | Third-Party Prepared (Unaudited) | 12 | Tax Preparer | Yes | 36 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - 2024 | Borrower - 3 YRS Executed 4506T Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 71.09 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 13409524 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 40.99% | 40.99% | Yes | Yes | Self-Employed | Self-Employed | 24 Month Bank Statement | 2 | 0 | 2+ Months | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | Yes | Yes | 0 | 24 | 66.69% | 0.00% | 50.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | Yes | 60 | Yes | 88 | 25 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - Wage, Other REO Net Rental Income(Loss), Overtime and Bonus, Subject Property Net Rental Income(Loss) if NOO - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Lease Agreements Verified || Co Borrower - SEPartnership - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified, Lease Agreements Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified || Co Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 65.0 | Yes | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12837155 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 44.05% | 44.05% | No | Self-Employed | 2YR Full Doc | 2 | 1 Month | N/A | 0 | 0 | 0 | 3 | 3 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 62.24 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 10821042 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 41.56% | 41.56% | No | Employed | 2YR Full Doc | 2 | NA | N/A | 0 | 0 | 0 | 2 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 24 | 24 | Other | 0 | No | 0 | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 52.47 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 17830799 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 37.34% | 37.34% | No | Employed | 2YR Full Doc | 2 | 2+ Months | N/A | 0 | 0 | 0 | 2 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 40 | 26 | FNMA 1005 | 0 | No | 0 | N/A | Borrower - Wage, Overtime and Bonus, Other - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 1 | 1 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 69.96 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 19806250 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 35.81% | 35.81% | No | No | Retired | Not Employed | 1YR Full Doc | 1 | 1 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | Yes | Yes | No | No | 0 | No | Yes | N/A | 2 | 0 | Yes | N/A | 2 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - SSI and Disability, Retirement - 1 YR W2 1099 Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified, Personal Bank Statements Verified || Co Borrower - SSI and Disability - 1 YR W2 1099 Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified, Personal Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified || Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | 0 | No | 43.36 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 10321131 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 42.68% | 42.68% | No | No | Employed | Employed | 2YR Full Doc | 1 | 2 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 100.00% | 100.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 18 | 18 | Work Number | Yes | 93 | 93 | Work Number | No | 0 | N/A | Borrower - Wage - 1 YR W2 1099 Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified || Co Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, Written VOE Verified, 1 YR IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified || Co Borrower - 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 77.83 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 10822364 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 37.69% | 37.69% | No | No | Self-Employed | Employed | 12 Month Bank Statement | 0 | 2 | NA | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | Yes | 0 | 0 | 60.09% | 100.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 120 | No | 0 | NA | 0 | 0 | N/A | Yes | 7 | 7 | FNMA 1005 | No | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024 || Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified - 2024 || Co Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 47.35 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 19083970 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 49.92% | 49.92% | No | Employed | 2YR Full Doc | 2 | 1 Month | N/A | 0 | 0 | 0 | 2 | 1 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 228 | 26 | Work Number | 0 | No | 0 | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 67.52 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 17179864 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 41.07% | 41.07% | No | Retired | 1YR Full Doc | 1 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - Retirement, SSI and Disability - 1 YR W2 1099 Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 25.6 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 19676060 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 37.79% | 37.79% | No | Employed | 2YR Full Doc | 2 | 1 Month | N/A | 0 | 0 | 0 | 3 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 60.7 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 14173634 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 33.28% | 33.28% | No | Employed | 2YR Full Doc | 2 | 1 Month | N/A | 0 | 0 | 0 | 2 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 36.48 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 14897520 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 49.98% | 49.98% | No | Self-Employed | 2YR Full Doc | 2 | 1 Month | N/A | 0 | 0 | 0 | 3 | 3 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 60.19 | Yes | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12332126 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 39.99% | 39.99% | No | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 100.00% | 100.00% | N/A | 0 | N/A | Yes | 24 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - 2024 | Borrower - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 64.58 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 19806461 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 49.98% | 49.98% | No | No | Employed | Employed | 2YR Full Doc | 2 | 2 | 2+ Months | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | Yes | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | Proceeds from Sale | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 21 | 25 | Work Number | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - Wage, Overtime and Bonus, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified || Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, Award Letter Verified | Borrower - 3 YRS Executed 4506T Verified || Co Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 89.86 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 15744560 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 38.22% | 38.22% | No | No | Employed | Employed | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 161 | 26 | FNMA 1005 | Yes | 18 | 18 | FNMA 1005 | No | 0 | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified || Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified || Co Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.8 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 17944462 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 42.19% | 42.19% | No | Retired | 1YR Full Doc | 0 | NA | N/A | 0 | 0 | 0 | 2 | 3 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SSI and Disability, SSI and Disability, Military and Government Assistance - 2 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified - 2025 | Borrower - 2 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified - 2025 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 77.46 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 14199920 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 37.06% | 37.06% | Yes | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | Third-Party Prepared (Unaudited) | 12 | Tax Preparer | Yes | 108 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - 2024 | Borrower - 3 YRS Executed 4506T Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 68.82 | Yes | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 18508838 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 42.63% | 42.63% | No | No | Self-Employed | Not Employed | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 12 | 0 | No | N/A | 0 | 0 | 100.00% | 100.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Personal Bank Statements Verified - 2024 || Co Borrower - N/A - 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified - 2024 || Co Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 68.8 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 16467041 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 26.42% | 26.42% | No | Employed | 2YR Full Doc | 0 | 2+ Months | N/A | 0 | 0 | 0 | 2 | 1 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 60 | 26 | FNMA 1005 | 0 | No | 0 | N/A | Borrower - Wage, Other REO Net Rental Income(Loss) - 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | I-151 Permanent Resident Card | xxx | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 84.95 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 16628381 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 46.82% | 46.82% | No | No | Employed | Employed | 2YR Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified || Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified || Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.87 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 13096270 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 49.76% | 49.76% | No | No | Employed | Not Employed | 2YR Full Doc | 2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 65 | 26 | Work Number | NA | 0 | 0 | N/A | No | 0 | Yes | Borrower - Wage, Wage, Military and Government Assistance - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified || Co Borrower - 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified || Co Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.89 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 18150128 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 45.21% | 45.21% | No | No | Self-Employed | Self-Employed | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% | 100.00% | Audited | 12 | CPA | Audited | CPA | 12 | Yes | 36 | Yes | 36 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified || Co Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified | Borrower || Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 65.02 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11330523 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 40.56% | 40.56% | No | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | Audited | 12 | CPA | Yes | 24 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.94 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 14543210 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 38.85% | 38.85% | No | No | Employed | Employed | 2YR Full Doc | 1 | 1 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 100.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 37 | 38 | FNMA 1005 | Yes | 23 | 24 | FNMA 1005 | No | 0 | N/A | Borrower - Wage, Overtime and Bonus - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified || Co Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified | Borrower || Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 72.09 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12187840 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 42.24% | 42.24% | No | No | Employed | Employed | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified || Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified || Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 76.35 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 13864733 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 28.33% | 28.33% | Yes | Yes | Self-Employed | Self-Employed | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 50.00% | 50.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - SECorporation, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024 || Co Borrower - SECorporation - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024 | Borrower - 3 YRS Executed 4506T Verified - 2024 || Co Borrower - 3 YRS Executed 4506T Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 72.29 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12623597 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 49.97% | 49.97% | No | Self-Employed | 24 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 24 | No | 0.00% | 100.00% | N/A | 0 | N/A | Yes | 60 | No | NA | 0 | 0 | N/A | 0 | No | 0 | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 56.81 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12594209 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 20.97% | 20.97% | No | No | Self-Employed | Not Employed | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 60 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - SESoleProprietor, N/A - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified || Co Borrower - 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified || Co Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 72.5 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 18791821 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | Yes | No | No | N/A | N/A | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 43.48% | 43.48% | Yes | Yes | Employed | Retired | 2YR Full Doc | 2 | 0 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 1 | 0 | 2 | 0 | 3 | 3 | NA | Yes | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO - 1 YR Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified, Lease Agreements Verified || Co Borrower - SSI and Disability, Retirement - 2 YRS Personal Tax Returns Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified, Award Letter Verified | Borrower - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified || Co Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 58.61 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 19322378 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 38.40% | 38.40% | No | Employed | 2YR Full Doc | 2 | 1 Month | N/A | 0 | 0 | 0 | 2 | 1 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 230 | 34 | FNMA 1005 | 0 | No | 0 | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 75.3 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12082533 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 41.19% | 41.19% | Yes | Yes | Self-Employed | Self-Employed | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 13 | Yes | Yes | 0 | 13 | 100.00% | 100.00% | 100.00% | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 84 | Yes | 84 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified || Co Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified || Co Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 70.0 | Yes | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 17242534 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 17.41% | 17.41% | No | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 100.00% | 100.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SECorporation - Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 72.73 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 16971462 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0.00% | 0 | 0 | No | 0 | 0 | 0 | Yes | 1.123 | 1.123 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | Permanent Resident Alien | Permanent Non-US Citizen | No | Real ID Driver's License | xxx | United States | xxx | I-151 Permanent Resident Card | xxx | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.91 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 19983858 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 39.19% | 39.19% | No | No | Self-Employed | Not Employed | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified || Co Borrower | Borrower || Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.91 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 13298825 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 35.71% | 35.71% | No | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | Audited | 13 | CPA | Yes | 24 | No | NA | 0 | 0 | N/A | 0 | No | 0 | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.82 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12350234 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0 | 0 | No | 0 | 0 | 0 | Yes | 1.688 | 1.688 | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.99 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 10261261 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 26.26% | 26.26% | No | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 3 | 0 | NA | No | Yes | 84.0 | No | Yes | Yes | 0 | 12 | No | 33.49% | 100.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor, Asset Depletion - 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 74.43 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 10342337 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 30.44% | 30.44% | No | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 100.00% | 51.00% | N/A | 0 | N/A | Yes | 77 | No | NA | 0 | 0 | N/A | 0 | No | 0 | Borrower - SECorporation - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 75.0 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 17701377 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 42.96% | 42.96% | No | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 100.00% | 100.00% | N/A | 0 | N/A | Yes | 24 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - 2024 | Borrower - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 88.86 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 16987571 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 43.15% | 43.15% | No | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 100.00% | 100.00% | N/A | 0 | N/A | Yes | 326 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 40.28 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 18948113 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 33.27% | 33.27% | No | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 100.00% | 50.00% | N/A | 0 | N/A | Yes | 24 | No | NA | 0 | 0 | N/A | 0 | No | 0 | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - 2024 | Borrower - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 84.81 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 18979575 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 5.46% | 5.46% | No | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 100.00% | 51.00% | N/A | 0 | N/A | Yes | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SECorporation - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 73.98 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12190440 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 37.07% | 37.07% | No | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 100.00% | 100.00% | N/A | 0 | N/A | Yes | 38 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 86.73 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 18353500 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 48.07% | 48.07% | No | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 2 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 91.49% | 50.00% | N/A | 0 | N/A | Yes | 24 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 52.12 | Yes | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 10159689 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 30.63% | 30.63% | No | No | Employed | Employed | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 62 | 36 | Work Number | NA | 0 | 0 | N/A | No | 0 | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified || Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified || Co Borrower - 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 62.16 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 19541631 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 43.67% | 43.67% | No | No | Not Employed | Not Employed | 2YR Full Doc | 0 | 2 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | Yes | Yes | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - SSI and Disability - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified || Co Borrower - SSI and Disability, Retirement - 2 YRS W2 1099 Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified || Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.53 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 10159657 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 42.24% | 42.24% | No | Employed | 2YR Full Doc | 0 | Less than 1 Month | N/A | 0 | 0 | 0 | 3 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 227 | 27 | Work Number | 0 | No | 0 | N/A | Borrower - Wage - Less than 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 84.86 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 10158744 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 41.67% | 41.67% | No | Employed | 2YR Full Doc | 2 | 2+ Months | N/A | 0 | 0 | 0 | 2 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 7 | 76 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 56.01 | Yes | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 10169566 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 49.97% | 49.97% | No | Employed | 2YR Full Doc | 2 | 2+ Months | N/A | 0 | 0 | 0 | 2 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 27 | 25 | Work Number | 0 | No | 0 | Yes | Borrower - Wage, Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 84.26 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 15889027 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 48.20% | 48.20% | No | No | Employed | Employed | 2YR Full Doc | 2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 140 | 26 | FNMA 1005 | Yes | 94 | 26 | FNMA 1005 | No | 0 | Borrower - Wage, Wage, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified || Co Borrower - Wage - Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified || Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 78.67 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 10955196 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | Yes | No | No | N/A | N/A | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 41.43% | 41.43% | Yes | Yes | Employed | Employed | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 145 | 25 | Work Number | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - Wage, Overtime and Bonus, Other, Subject Property Net Rental Income(Loss) if NOO - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified || Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified || Co Borrower - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Enhanced Driver's License (MI, MN, NY, VT, WA) | xxx | United States | xxx | N/A | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Enhanced Driver's License (MI, MN, NY, VT, WA) | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 67.62 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12395857 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 44.30% | 44.30% | No | Employed | 2YR Full Doc | 2 | 1 Month | N/A | 0 | 0 | 0 | 2 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 62.7 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 14196390 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 8.62% | 8.62% | No | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 100.00% | 100.00% | N/A | 0 | N/A | Yes | 155 | No | NA | 0 | 0 | N/A | 0 | No | 0 | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.02 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 19845135 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 40.78% | 40.78% | No | No | Self-Employed | Self-Employed | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 100.00% | 40.00% | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | Yes | 24 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified || Co Borrower - SEPartnership - CPA Letter Verified, Business Bank Statements Verified | Borrower || Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 52.1 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11795061 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 13.86% | 13.86% | No | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 100.00% | 100.00% | N/A | 0 | N/A | Yes | 84 | No | NA | 0 | 0 | N/A | 0 | No | 0 | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.87 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 16264293 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 49.69% | 49.69% | No | Employed | 2YR Full Doc | 2 | 1 Month | N/A | 0 | 0 | 0 | 3 | 1 | NA | No | Yes | 84.0 | No | Yes | Yes | 1 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 20 | 20 | FNMA 1005 | 0 | No | 0 | N/A | Borrower - Wage, Asset Depletion - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, Personal Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | 0 | No | 78.52 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 16547397 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 36.92% | 36.92% | No | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 100.00% | 100.00% | N/A | 0 | N/A | Yes | 24 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 81.72 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 14738390 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 36.21% | 36.21% | Yes | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | Audited | 12 | CPA | Yes | 361 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Passport | xxx | United States | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 66.11 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 17390567 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 33.98% | 33.98% | Yes | Self-Employed | 1YR Full Doc | 0 | NA | N/A | 0 | 1 | 0 | 0 | 1 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | 0.00% | 100.00% | Borrower Prepared | 12 | Borrower | Yes | 60 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, CPA Letter Verified, YTD Profit And Loss Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - 2024 | Borrower - 1 YR Personal Tax Returns Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Passport | xxx | United States | xxx | USA | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 70.0 | Yes | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 16452400 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 45.68% | 45.68% | No | No | Self-Employed | Not Employed | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% | 0.00% | Audited | 12 | Tax Preparer | N/A | N/A | 0 | Yes | 60 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified || Co Borrower - N/A - 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified || Co Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.7 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12022263 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 36.52% | 36.52% | No | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | Yes | N/A | 0 | 12 | No | 100.00% | 100.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 51.94 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 17753795 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 39.02% | 39.02% | No | Employed | 2YR Full Doc | 2 | 1 Month | N/A | 0 | 0 | 0 | 2 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 26 | 26 | FNMA 1005 | 0 | No | 0 | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 62.32 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12955456 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 49.85% | 49.85% | No | Employed | 2YR Full Doc | 2 | NA | N/A | 0 | 0 | 0 | 3 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 148 | 26 | FNMA 1005 | 0 | No | 0 | N/A | Borrower - Wage, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 44.11 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 14087712 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 18.14% | 18.14% | No | No | Employed | Employed | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 25 | 25 | FNMA 1005 | No | 0 | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified || Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified || Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.85 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11090039 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 49.45% | 49.45% | Yes | Employed | 2YR Full Doc | 2 | 1 Month | N/A | 0 | 0 | 0 | 2 | 3 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO, Other, Other - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified, 1040 Schedule E Verified - 2024 | Borrower - 2 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified, 1040 Schedule E Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 55.35 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 14039887 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 47.23% | 47.23% | No | Self-Employed | 2YR Full Doc | 0 | NA | N/A | 0 | 2 | 0 | 3 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | N/A | 0 | N/A | Yes | 24 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor - 2 YRS Personal Tax Returns Verified, CPA Letter Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 53.58 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 19024790 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 49.84% | 49.84% | No | Employed | 2YR Full Doc | 2 | 1 Month | N/A | 0 | 0 | 0 | 2 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - Wage, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 89.75 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 14789543 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 42.13% | 42.13% | No | Employed | 2YR Full Doc | 2 | Less than 1 Month | N/A | 0 | 0 | 0 | 3 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 280 | 26 | Work Number | 0 | No | 0 | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, Less than 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 78.4 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 14075474 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 48.49% | 48.49% | No | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 100.00% | 100.00% | N/A | 0 | N/A | Yes | 74 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | .00 | 0 | No | 74.05 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 14745848 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 42.31% | 42.31% | No | Employed | 2YR Full Doc | 2 | 2+ Months | N/A | 0 | 0 | 0 | 2 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 59.59 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 17589659 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | Yes | No | No | N/A | N/A | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 39.07% | 39.07% | Yes | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | Audited | 12 | CPA | Yes | 24 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 15.38 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12411278 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 49.98% | 49.98% | No | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 100.00% | 100.00% | N/A | 0 | N/A | Yes | 60 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 44.72 | Yes | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 16387913 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0.00% | 0 | 0 | No | 0 | 0 | 0 | Yes | 1.268 | 1.268 | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 34.34 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12300213 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 48.73% | 48.73% | Yes | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 80.00% | Audited | 12 | CPA | Yes | 12 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESCorp, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 64.9 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 16707346 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 49.86% | 49.86% | No | Self-Employed | 12 Month Bank Statement | 0 | 2+ Months | N/A | 0 | 0 | 0 | 2 | 2 | NA | No | No | 0 | No | Yes | Yes | 12 | 12 | No | 65.79% | 100.00% | N/A | 0 | N/A | Yes | 24 | No | Yes | 39 | 25 | Work Number | 0 | No | 0 | N/A | Borrower - SESoleProprietor, Wage, SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Personal Bank Statements Verified, Business Bank Statements Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 77.6 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 10675213 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 28.25% | 28.25% | Yes | Employed | 2YR Full Doc | 2 | 2+ Months | N/A | 0 | 0 | 0 | 2 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 168 | 25 | Work Number | 0 | No | 0 | N/A | Borrower - Wage, Overtime and Bonus, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 75.0 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 19559235 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 36.27% | 36.27% | Yes | Employed | 2YR Full Doc | 2 | 1 Month | N/A | 0 | 2 | 0 | 0 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - Wage, Overtime and Bonus, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 75.0 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11292849 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 39.43% | 39.43% | No | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | Audited | 14 | CPA | Yes | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, null Executed 4506T Verified | Borrower - null Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 41.53 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 14836438 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 33.85% | 33.85% | Yes | Employed | 2YR Full Doc | 2 | 2+ Months | N/A | 0 | 2 | 0 | 0 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 170 | 26 | Work Number | 0 | No | 0 | Borrower - Wage, Overtime and Bonus, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), SESCorp - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS IRS Transcripts Verified, Lease Agreements Verified, 1040 Schedule E Verified | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 75.0 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 18742671 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 48.77% | 48.77% | No | Employed | 2YR Full Doc | 2 | 1 Month | N/A | 0 | 1 | 0 | 3 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 341 | 341 | Work Number | 0 | No | 0 | N/A | Borrower - Wage - 1 YR Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified | Borrower - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 1 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.96 | Yes | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 15909401 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 41.36% | 41.36% | No | Employed | 2YR Full Doc | 2 | 2+ Months | N/A | 0 | 0 | 0 | 3 | 3 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 79 | 25 | Other | 0 | No | 0 | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.8 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 16903878 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 49.28% | 49.28% | No | Employed | 1YR Full Doc | 1 | 2+ Months | N/A | 0 | 0 | 0 | 3 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 281 | 25 | FNMA 1005 | 0 | No | 0 | N/A | Borrower - Wage, Overtime and Bonus - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 9.64 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 14945383 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 44.88% | 44.88% | No | Employed | 2YR Full Doc | 2 | 2+ Months | N/A | 0 | 0 | 0 | 3 | 3 | Yes | No | No | 0 | No | No | N/A | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - Wage, Retirement - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified, Award Letter Verified | Borrower - 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 89.23 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 14134535 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 26.25% | 26.25% | No | Employed | 2YR Full Doc | 2 | 1 Month | N/A | 0 | 0 | 0 | 3 | 1 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 289 | 36 | Other | 0 | No | 0 | N/A | Borrower - Wage, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 67.02 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12156809 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 47.83% | 47.83% | No | No | Employed | Retired | 2YR Full Doc | 2 | 0 | 2+ Months | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 3 | Yes | Yes | No | Yes | 12.0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 234 | 25 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - Wage, SSI and Disability, Asset Depletion - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified, Award Letter Verified || Co Borrower - SSI and Disability - 3 YRS IRS Transcripts Verified, Award Letter Verified | Borrower - 2 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified || Co Borrower - 3 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 8.75 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12098752 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | Yes | No | No | N/A | N/A | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 42.05% | 42.05% | Yes | Employed | 2YR Full Doc | 2 | 1 Month | N/A | 0 | 0 | 0 | 3 | 1 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 4 | 4 | FNMA 1005 | 0 | No | 0 | N/A | Borrower - Wage, Other, Subject Property Net Rental Income(Loss) if NOO - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 75.29 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12544974 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 34.74% | 34.74% | No | Employed | 2YR Full Doc | 2 | 1 Month | N/A | 0 | 0 | 0 | 1 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 1 YR Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 1 YR Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 64.64 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12409278 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 46.50% | 46.50% | No | Employed | 2YR Full Doc | 2 | 1 Month | N/A | 0 | 0 | 0 | 3 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - Wage, SSI and Disability, SSI and Disability, Retirement - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 72.05 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 10298661 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 49.99% | 49.99% | No | Employed | 2YR Full Doc | 2 | 2+ Months | N/A | 0 | 0 | 0 | 3 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 127 | 26 | Work Number | 0 | No | 0 | N/A | Borrower - Wage, Commission - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 74.73 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 19564310 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 41.33% | 41.33% | No | Self-Employed | 12 Month Bank Statement | 2 | 1 Month | N/A | 0 | 0 | 0 | 2 | 1 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 56.21% | 50.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 20 | 20 | Work Number | 0 | No | 0 | N/A | Borrower - Wage, Wage, SESoleProprietor - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, IRS Transcripts Verified, Business Bank Statements Verified | Borrower - 2 YRS Executed 4506T Verified, IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 66.69 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 10466240 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 33.32% | 33.32% | No | Employed | 2YR Full Doc | 2 | 1 Month | N/A | 0 | 0 | 0 | 3 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 75 | 27 | FNMA 1005 | 0 | No | 0 | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 89.95 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 15008487 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 37.85% | 37.85% | No | Employed | 2YR Full Doc | 2 | 2+ Months | N/A | 0 | 0 | 0 | 3 | 1 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 90.0 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12088148 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 44.33% | 44.33% | No | No | Employed | Employed | 2YR Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | Yes | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified || Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified || Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 82.55 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 18525382 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 45.40% | 45.40% | No | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 0.00% | 100.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 38.87 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 17248474 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 39.31% | 39.31% | No | Employed | 2YR Full Doc | 2 | 2+ Months | N/A | 0 | 0 | 0 | 2 | 1 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 1 | 26 | FNMA 1005 | 0 | No | 0 | N/A | Borrower - Wage, Commission, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 78.22 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 14141124 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 48.55% | 48.55% | No | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 100.00% | 100.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 74.92 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 19259837 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 41.86% | 41.86% | No | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | 0.00% | 100.00% | Audited | 12 | CPA | Yes | 24 | No | NA | 0 | 0 | N/A | 0 | No | 0 | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.74 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 18207055 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0.00% | 0 | 0 | No | 0 | 0 | 0 | Yes | 1.015 | 1.015 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 63.52 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 10507952 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 27.08% | 27.08% | No | Retired | Full Documentation | 0 | NA | N/A | 0 | 0 | 0 | 2 | 0 | Yes | No | Yes | 84.0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - Retirement, SSI and Disability, Asset Depletion, Other REO Net Rental Income(Loss) - 2 YRS Executed 4506T Verified, Award Letter Verified | Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 51.31 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12840968 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 42.72% | 42.72% | No | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | 0.00% | 0.00% | Audited | 12 | CPA | Yes | 24 | No | NA | 0 | 0 | N/A | 0 | No | 0 | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - 2024 | Borrower - 3 YRS Executed 4506T Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.94 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12285422 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 49.93% | 49.93% | No | Retired | 2YR Full Doc | 0 | NA | N/A | 0 | 2 | 0 | 3 | 3 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - Retirement - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 7 | 93 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 72.59 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 18005728 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 36.23% | 36.23% | No | No | Employed | Employed | 2YR Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 291 | 26 | FNMA 1005 | Yes | 35 | 25 | FNMA 1005 | No | 0 | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified || Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified || Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 77.38 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 19635823 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 25.44% | 25.44% | No | Employed | 1YR Full Doc | 1 | 2+ Months | N/A | 0 | 0 | 0 | 3 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 8 | 8 | FNMA 1005 | 0 | No | 0 | N/A | Borrower - Wage - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 78.18 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 16019766 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 28.31% | 28.31% | No | No | Self-Employed | Not Employed | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 384 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified || Co Borrower - N/A | Borrower - 3 YRS Executed 4506T Verified || Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 55.96 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11414043 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 41.77% | 41.77% | No | No | Employed | Employed | 2YR Full Doc | 2 | 2 | 1 Month | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 73 | 25 | Work Number | Yes | 22 | 22 | Work Number | No | 0 | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified || Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified || Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 84.67 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 16328395 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 48.89% | 48.89% | No | Self-Employed | 2YR Full Doc | 2 | 1 Month | N/A | 0 | 0 | 0 | 3 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 77 | 26 | FNMA 1005 | 0 | No | 0 | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 78.51 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 16932615 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 36.52% | 36.52% | No | Employed | 2YR Full Doc | 2 | 2+ Months | N/A | 0 | 0 | 0 | 3 | 1 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 282 | 25 | Work Number | 0 | No | 0 | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 44.44 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 13095280 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 33.54% | 33.54% | No | No | Employed | Employed | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 32 | 21 | Work Number | No | 0 | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified || Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified || Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 71.64 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 18583947 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 39.74% | 39.74% | No | No | Not Employed | Self-Employed | 1YR Full Doc | 0 | 1 | NA | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 1 | NA | NA | No | Yes | 6.0 | No | No | N/A | 0 | 0 | Yes | Yes | 6 | 0 | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 5 | 5 | FNMA 1005 | No | 0 | N/A | Borrower - 2 YRS Executed 4506T Verified || Co Borrower - Wage, Overtime and Bonus, Asset Depletion - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, IRS Transcripts Verified, Personal Bank Statements Verified | Borrower - 2 YRS Executed 4506T Verified || Co Borrower - 2 YRS Executed 4506T Verified, IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 73.41 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 10943973 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 35.79% | 35.79% | No | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 100.00% | 100.00% | N/A | 0 | N/A | Yes | 60 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 89.06 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 15839168 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 33.96% | 33.96% | No | Employed | 2YR Full Doc | 2 | 2+ Months | N/A | 0 | 0 | 0 | 3 | 1 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 53 | 27 | Work Number | 0 | No | 0 | N/A | Borrower - Wage, Commission, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 66.64 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 17997247 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 42.45% | 42.45% | No | Employed | 2YR Full Doc | 2 | 1 Month | N/A | 0 | 0 | 0 | 2 | 1 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 39 | 25 | Work Number | 0 | No | 0 | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 43.99 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12491788 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 46.74% | 46.74% | No | Employed | 2YR Full Doc | 2 | 1 Month | N/A | 0 | 0 | 0 | 2 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 82 | 25 | Work Number | 0 | No | 0 | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 0 | 48 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 84.4 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 15914354 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 49.42% | 49.42% | No | Employed | 2YR Full Doc | 2 | 2+ Months | N/A | 0 | 0 | 0 | 3 | 3 | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified, null Award Letter Verified | Borrower - 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 84.98 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 19491353 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 42.47% | 42.47% | No | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | Third-Party Prepared (Unaudited) | 12 | Tax Preparer | Yes | 36 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.97 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 18922151 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 20.15% | 20.15% | No | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | Third-Party Prepared (Unaudited) | 14 | CPA | Yes | 60 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESCorp, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 48.29 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 17759985 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 47.32% | 47.32% | No | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 2 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 100.00% | 100.00% | N/A | 0 | N/A | Yes | 24 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | I-151 Permanent Resident Card | xxx | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 57.32 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11944198 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0.00% | 0 | 0 | No | 0 | 0 | 0 | Yes | 1.067 | 1.102 | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 62.58 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 10632769 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 43.29% | 43.29% | No | No | Self-Employed | Not Employed | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 99 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified || Co Borrower - N/A | Borrower - 3 YRS Executed 4506T Verified || Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 64.8 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 15147454 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 43.92% | 43.92% | Yes | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 100.00% | 100.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.02 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 14683866 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 37.23% | 37.23% | Yes | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | Audited | 12 | CPA | Yes | 24 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESCorp, Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.57 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 16705921 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | Annually | 0.00% | 0.00% | 0.00% | No | No | Unknown | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0 | 0 | 0.00% | 0.00% | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | 0 | Yes | 1.383 | 1.383 | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 46.55 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 14792416 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 36.77% | 36.77% | No | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 100.00% | 100.00% | N/A | 0 | N/A | Yes | 60 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - 2024 | Borrower - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 0 | 62 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 86.4 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12890795 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 49.40% | 49.40% | No | Employed | 2YR Full Doc | 2 | 2+ Months | N/A | 0 | 0 | 0 | 2 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 258 | 27 | Work Number | 0 | No | 0 | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 66.04 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 18806247 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 40.45% | 40.45% | Yes | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | Audited | 12 | Tax Preparer | Yes | 36 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.87 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11089492 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 35.14% | 35.14% | No | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | Third-Party Prepared (Unaudited) | 12 | Tax Preparer | Yes | 24 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 68.55 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 14332871 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 49.80% | 49.80% | No | No | Employed | Employed | 2YR Full Doc | 2 | 2 | 2+ Months | 1 Month | N/A | 0 | N/A | 0 | 2 | 0 | 1 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - Wage, Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, Lease Agreements Verified, 1040 Schedule E Verified || Co Borrower - Wage, SSI and Disability - 1 YR Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Lease Agreements Verified, 1040 Schedule E Verified | Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 1040 Schedule E Verified || Co Borrower - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.75 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 18575625 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 29.98% | 29.98% | No | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 13 | No | 0.00% | 100.00% | N/A | 0 | N/A | Yes | 72 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESCorp, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 56.99 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 13331332 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 20.70% | 20.70% | No | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 12 | 0 | No | 100.00% | 100.00% | N/A | 0 | N/A | Yes | 24 | No | NA | 0 | 0 | N/A | 0 | No | 0 | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Personal Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 68.23 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 10193556 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 49.60% | 49.60% | No | Self-Employed | 2YR Full Doc | 0 | NA | N/A | 0 | 2 | 2 | 3 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESCorp, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.5 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 15833391 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 21.89% | 21.89% | No | Employed | 2YR Full Doc | 2 | NA | N/A | 0 | 0 | 0 | 3 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 263 | 26 | FNMA 1005 | 0 | No | 0 | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.82 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 17629644 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 47.36% | 47.36% | No | Employed | 2YR Full Doc | 2 | 2+ Months | N/A | 0 | 2 | 0 | 3 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 69 | 25 | Work Number | 0 | No | 0 | N/A | Borrower - Wage, Overtime and Bonus, Overtime and Bonus, Subject Property Net Rental Income(Loss) if NOO - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified | Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 54.67 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 10664315 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 34.14% | 34.14% | No | No | Retired | Not Employed | 1YR Full Doc | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | Yes | Yes | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | Yes | Borrower - Retirement, Retirement - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified || Co Borrower - Retirement - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified || Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 75.58 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11990175 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 37.51% | 37.51% | No | No | Self-Employed | Self-Employed | 2YR Full Doc | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 2 | 0 | 2 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% | 100.00% | N/A | 0 | N/A | Audited | Accountant/Bookkeeper | 12 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - SESCorp - 2 YRS Business Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified || Co Borrower - SESoleProprietor - 2 YRS Business Tax Returns Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Business Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified || Co Borrower - 2 YRS Business Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | Non Permanent Resident Alien | Non-Permanent Non-US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | Missing | Non Permanent Resident Alien | Non-Permanent Non-US Citizen | Real ID Driver's License | xxx | United States | xxx | Missing | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 77.24 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 13276991 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 45.92% | 45.92% | No | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | 0.00% | 100.00% | Audited | 12 | CPA | Yes | 120 | No | NA | 0 | 0 | N/A | 0 | No | 0 | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - 2024 | Borrower - 3 YRS Executed 4506T Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.63 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 14697562 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 49.20% | 49.20% | No | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | Third-Party Prepared (Unaudited) | 12 | Tax Preparer | Yes | 108 | No | NA | 0 | 0 | N/A | 0 | No | 0 | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - 2024 | Borrower - 3 YRS Executed 4506T Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 75.1 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11229125 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 38.79% | 38.79% | No | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | 0.00% | 100.00% | Audited | 12 | CPA | Yes | 60 | No | NA | 0 | 0 | N/A | 0 | No | 0 | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.73 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 10745069 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 39.13% | 39.13% | No | Employed | 1YR Full Doc | 0 | 2+ Months | N/A | 0 | 1 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - Wage, Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 2+ Months Paystubs Verified | Borrower - 1 YR Personal Tax Returns Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.91 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 19162513 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 28.99% | 28.99% | No | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | 0.00% | 100.00% | Audited | 12 | CPA | Yes | 24 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.99 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 16626676 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 49.91% | 49.91% | No | No | Self-Employed | Self-Employed | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 12 | 0 | Yes | Yes | 12 | 0 | 100.00% | 100.00% | 100.00% | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 36 | Yes | 36 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - SESCorp - CPA Letter Verified, Personal Bank Statements Verified || Co Borrower - SESCorp - CPA Letter Verified, Personal Bank Statements Verified - 2024 | Borrower || Co Borrower - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 56.99 | Yes | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 16869660 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 47.77% | 47.77% | No | Employed | 2YR Full Doc | 2 | NA | N/A | 0 | 0 | 0 | 2 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 57 | 25 | FNMA 1005 | 0 | No | 0 | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 82.01 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11476794 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 24.78% | 24.78% | No | No | Not Employed | Self-Employed | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | Yes | Yes | 0 | 12 | 100.00% | 0.00% | 100.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | Borrower - N/A, Other REO Net Rental Income(Loss) || Co Borrower - SESoleProprietor - Business Bank Statements Verified - 2024 | Borrower || Co Borrower - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 84.93 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 15793756 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 41.23% | 41.23% | No | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | Audited | 14 | CPA | Yes | 14 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.8 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12973465 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 21.01% | 21.01% | No | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | Audited | 12 | CPA | Yes | 24 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2024 | Borrower - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 58.8 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 19241439 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 2.05% | 2.05% | No | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 100.00% | 100.00% | N/A | 0 | N/A | Yes | 66 | No | NA | 0 | 0 | N/A | 0 | No | 0 | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - 2024 | Borrower - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.86 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 18867477 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 31.23% | 31.23% | No | No | Self-Employed | Self-Employed | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | Yes | 0 | 0 | 100.00% | 50.00% | 50.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - SECorporation - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024 || Co Borrower - SECorporation - 3 YRS Executed 4506T Verified - 2024 | Borrower - 3 YRS Executed 4506T Verified - 2024 || Co Borrower - 3 YRS Executed 4506T Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 52.52 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11865938 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 47.55% | 47.55% | Yes | Employed | 2YR Full Doc | 2 | 1 Month | N/A | 0 | 0 | 0 | 3 | 3 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 64.33 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12869862 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 50.00% | 50.00% | No | Employed | 2YR Full Doc | 2 | 2+ Months | N/A | 0 | 0 | 0 | 3 | 1 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 78.23 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 13052227 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 17.50% | 17.50% | Yes | Self-Employed | 2YR Full Doc | 2 | NA | N/A | 0 | 2 | 2 | 3 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESCorp, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 2 YRS W2 1099 Verified, 3 YRS Executed 4506T Verified | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.49 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 13927219 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 19.61% | 19.61% | Yes | Self-Employed | 2YR Full Doc | 2 | NA | N/A | 0 | 2 | 2 | 3 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESCorp, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 2 YRS W2 1099 Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.18 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12060669 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 48.38% | 48.38% | No | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 100.00% | 100.00% | N/A | 0 | N/A | Yes | 76 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.97 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 15264340 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 38.07% | 38.07% | No | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Missing | 0 | 0 | No | 0.00% | 100.00% | Audited | 12 | CPA | Yes | 24 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESCorp - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 75.1 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 17050497 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 37.44% | 37.44% | No | No | Employed | Self-Employed | 12 Month Bank Statement | 2 | 0 | 2+ Months | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | Yes | Yes | 0 | 12 | 53.13% | 0.00% | 100.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | Yes | 24 | Yes | 36 | 36 | Work Number | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - Wage, Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified || Co Borrower - SESCorp - CPA Letter Verified, Business Bank Statements Verified | Borrower - 2 YRS Executed 4506T Verified || Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | I-151 Permanent Resident Card | xxx | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | I-151 Permanent Resident Card | xxx | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 85.0 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11072523 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 49.45% | 49.45% | No | Employed | 1YR Full Doc | 1 | 2+ Months | N/A | 0 | 1 | 0 | 0 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 9.19% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 206 | 14 | FNMA 1005 | 0 | No | 0 | N/A | Borrower - Wage, Wage - 1 YR Personal Tax Returns Verified, 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS IRS Transcripts Verified | Borrower - 1 YR Personal Tax Returns Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 57.87 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12624888 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 40.13% | 40.13% | No | Employed | 2YR Full Doc | 2 | 1 Month | N/A | 0 | 0 | 0 | 2 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 87.08 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 16667083 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 35.78% | 35.78% | No | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 100.00% | 100.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | Borrower - SECorporation - Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 1 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 59.86 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11689920 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 27.82% | 27.82% | Yes | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 100.00% | 100.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.64 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 14462932 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 44.21% | 44.21% | No | Self-Employed | 2YR Full Doc | 2 | 2+ Months | N/A | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 27 | 58 | Work Number | 0 | No | 0 | N/A | Borrower - Wage, Wage, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 1040 Schedule E Verified | Borrower - 3 YRS Executed 4506T Verified, 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.01 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12346311 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 37.46% | 37.46% | No | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 100.00% | 100.00% | N/A | 0 | N/A | Yes | 24 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 70.0 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 14892745 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 42.88% | 42.88% | No | No | Self-Employed | Employed | 12 Month Bank Statement | 0 | 2 | NA | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | Yes | 0 | 0 | 73.65% | 100.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | Borrower - SESoleProprietor - 1 YR Executed 4506T Verified, Business Bank Statements Verified || Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified | Borrower - 1 YR Executed 4506T Verified || Co Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Enhanced Driver's License (MI, MN, NY, VT, WA) | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Enhanced Driver's License (MI, MN, NY, VT, WA) | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 80.0 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 18066673 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 43.36% | 43.36% | No | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 100.00% | 100.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 64.96 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 10421342 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 48.93% | 48.93% | No | No | Employed | Employed | 2YR Full Doc | 2 | 2 | 2+ Months | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - Wage, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS IRS Transcripts Verified, Lease Agreements Verified || Co Borrower - Wage, Other - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS IRS Transcripts Verified, Lease Agreements Verified, 1040 Schedule E Verified | Borrower - 2 YRS IRS Transcripts Verified || Co Borrower - 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 66.98 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12633099 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 39.66% | 39.66% | No | No | Employed | Employed | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 101 | 26 | Work Number | Yes | 91 | 26 | FNMA 1005 | No | 0 | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified || Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified || Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 73.82 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 17569983 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 49.93% | 49.93% | No | No | Employed | Retired | 2YR Full Doc | 2 | 0 | 2+ Months | NA | Yes | 3 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | Yes | N/A | 12 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 12 | 18 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 | Borrower - Wage, Retirement - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified || Co Borrower - Retirement - 2 YRS IRS Transcripts Verified, Personal Bank Statements Verified, 1040 Schedule E Verified - 2024 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified || Co Borrower - 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 63.04 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 15305356 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 47.88% | 47.88% | No | No | Employed | Not Employed | 2YR Full Doc | 2 | 0 | 2+ Months | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified || Co Borrower | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified || Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.8 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 10192847 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 49.76% | 49.76% | No | Employed | 2YR Full Doc | 2 | 2+ Months | N/A | 0 | 0 | 0 | 3 | 3 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 164 | 164 | Work Number | 0 | No | 0 | N/A | Borrower - Wage, Commission - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 79.88 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 19924825 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 49.18% | 49.18% | No | Employed | 1YR Full Doc | 1 | 1 Month | N/A | 0 | 0 | 0 | 3 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.87 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 17153206 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 48.80% | 48.80% | No | Employed | 2YR Full Doc | 2 | 2+ Months | N/A | 0 | 0 | 0 | 2 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 180 | 39 | Work Number | 0 | No | 0 | N/A | Borrower - Wage, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 61.09 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 18332290 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 30.74% | 30.74% | No | No | Employed | Employed | 1YR Full Doc | 1 | 1 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 264 | 25 | Work Number | Yes | 229 | 25 | Work Number | No | 0 | N/A | Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified || Co Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified || Co Borrower - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 71.55 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 16500194 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | Yes | No | No | N/A | N/A | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 49.77% | 49.77% | Yes | Yes | Employed | Not Employed | 1YR Full Doc | 2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 1 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 79 | 27 | Work Number | NA | 0 | 0 | N/A | No | 0 | Borrower - Wage, Overtime and Bonus, Subject Property Net Rental Income(Loss) if NOO - 1 YR Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified || Co Borrower - N/A | Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified || Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 74.89 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 18431761 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 49.90% | 49.90% | No | Self-Employed | 2YR Full Doc | 0 | NA | N/A | 0 | 2 | 0 | 2 | 1 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | Audited | 12 | CPA | Yes | 24 | No | NA | 0 | 0 | N/A | 0 | No | 0 | Borrower - SESoleProprietor - 2 YRS Personal Tax Returns Verified, CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 52.06 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 14846143 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 45.46% | 45.46% | No | No | Self-Employed | Employed | 2YR Full Doc | 2 | 2 | NA | 2+ Months | N/A | 0 | N/A | 0 | 1 | 1 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 100.00% | 0.00% | Audited | 12 | Accountant/Bookkeeper | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - SESCorp, Wage - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified, YTD Profit And Loss Verified, 2 YRS W2 1099 Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified || Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS IRS Transcripts Verified | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified || Co Borrower - 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 68.39 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 13462864 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 39.11% | 39.11% | No | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | Audited | 12 | CPA | Yes | 24 | No | NA | 0 | 0 | N/A | 0 | No | 0 | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 50.97 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 16459947 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 32.34% | 32.34% | No | No | Employed | Self-Employed | 12 Month Bank Statement | 2 | 0 | Less than 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | Yes | Yes | 0 | 12 | 70.81% | 0.00% | 100.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 37 | 27 | Work Number | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, Less than 1 Month Paystubs Verified, Written VOE Verified || Co Borrower - SESoleProprietor - Business Bank Statements Verified | Borrower || Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 32.32 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12671200 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 17.18% | 17.18% | No | No | Self-Employed | Self-Employed | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 50.00% | 50.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - SEPartnership, Other REO Net Rental Income(Loss) - Business Bank Statements Verified || Co Borrower - SEPartnership - Business Bank Statements Verified | Borrower || Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 40.24 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 16967855 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 49.81% | 49.81% | No | Self-Employed | 1YR Full Doc | 0 | NA | N/A | 0 | 1 | 1 | 3 | 2 | Yes | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | Borrower Prepared | 12 | Borrower | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SECorporation, Retirement - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified - 2024 | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.8 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 10808683 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | Yes | No | No | N/A | N/A | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 49.09% | 49.09% | Yes | Yes | Employed | Employed | 2YR Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 15 | 15 | FNMA 1005 | No | 0 | N/A | Borrower - Wage, Wage, Subject Property Net Rental Income(Loss) if NOO - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Executed 4506T Verified, 1040 Schedule E Verified || Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, Executed 4506T Verified, 1040 Schedule E Verified | Borrower - Executed 4506T Verified, 1040 Schedule E Verified || Co Borrower - Executed 4506T Verified, 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.85 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 19068711 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 49.93% | 49.93% | No | Employed | 2YR Full Doc | 2 | 2+ Months | N/A | 0 | 0 | 0 | 2 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 70.97 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 13662566 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 42.18% | 42.18% | No | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | Third-Party Prepared (Unaudited) | 12 | Tax Preparer | Yes | 24 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 75.0 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11097496 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 24.26% | 24.26% | Yes | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 100.00% | 100.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SECorporation, Other REO Net Rental Income(Loss) - Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 80.0 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 16272027 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 48.62% | 48.62% | No | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 100.00% | 100.00% | N/A | 0 | N/A | Yes | 24 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SECorporation - CPA Letter Verified, Business Bank Statements Verified - 2024 | Borrower - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.81 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 14706945 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 41.10% | 41.10% | No | Employed | 2YR Full Doc | 2 | NA | N/A | 0 | 0 | 0 | 3 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 75 | 26 | FNMA 1005 | 0 | No | 0 | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 85.0 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11702525 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 44.21% | 44.21% | No | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 100.00% | 100.00% | N/A | 0 | N/A | Yes | 36 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.91 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 16405521 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 34.68% | 34.68% | No | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 100.00% | 0.00% | N/A | 0 | N/A | Yes | 34 | No | NA | 0 | 0 | N/A | 0 | No | 0 | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 85.0 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12277172 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 48.31% | 48.31% | No | No | Self-Employed | Self-Employed | 12 Month Bank Statement | 2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 78.44% | 100.00% | 100.00% | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | Yes | 24 | Yes | 43 | 43 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - SESCorp, Wage - CPA Letter Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified || Co Borrower - SESCorp - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024 | Borrower - 2 YRS Executed 4506T Verified || Co Borrower - 2 YRS Executed 4506T Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.91 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 14826396 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 39.31% | 39.31% | No | Employed | 2YR Full Doc | 2 | NA | N/A | 0 | 0 | 0 | 0 | 3 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 3 YRS IRS Transcripts Verified | Borrower - 3 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 78.59 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 10969584 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 35.27% | 35.27% | No | Employed | 2YR Full Doc | 2 | 1 Month | N/A | 0 | 0 | 0 | 3 | 1 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 64.51 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 15180811 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 30.93% | 30.93% | No | No | Self-Employed | Not Employed | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 50.00% | Audited | 12 | CPA | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified || Co Borrower | Borrower || Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 54.29 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12474064 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 41.55% | 41.55% | No | Self-Employed | W2/1099 Verified | 2 | NA | N/A | 0 | 0 | 0 | 1 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | Yes | 24 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor, Other - CPA Letter Verified, 2 YRS W2 1099 Verified, 1 YR Executed 4506T Verified - 2024 | Borrower - 1 YR Executed 4506T Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 68.36 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 14418497 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 36.82% | 36.82% | No | Employed | 2YR Full Doc | 2 | 1 Month | N/A | 0 | 0 | 0 | 3 | 1 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 150 | 26 | Work Number | 0 | No | 0 | N/A | Borrower - Wage, Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.82 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 19839080 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 38.61% | 38.61% | No | Employed | 2YR Full Doc | 2 | 2+ Months | N/A | 0 | 0 | 0 | 3 | 1 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.99 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 15990909 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 42.24% | 42.24% | No | No | Employed | Not Employed | 1YR Full Doc | 1 | 0 | 2+ Months | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 360 | 27 | Work Number | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - Wage - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified || Co Borrower - N/A - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified || Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 71.99 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 13240450 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 47.94% | 47.94% | No | Not Employed | 2YR Full Doc | 1 | NA | N/A | 0 | 0 | 0 | 3 | 2 | No | No | 0 | No | No | N/A | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | Borrower - Retirement - 1 YR W2 1099 Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, null Award Letter Verified - 2024 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 55.26 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 18444877 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 46.32% | 46.32% | No | No | Employed | Unknown | 2YR Full Doc | 2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 151 | 27 | Work Number | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified || Co Borrower - N/A - 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified || Co Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 72.24 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 18074278 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 16.70% | 16.70% | Yes | Employed | 1YR Full Doc | 1 | 2+ Months | N/A | 0 | 1 | 0 | 1 | 1 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 8 | 15 | Work Number | 0 | No | 0 | N/A | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO - 1 YR Personal Tax Returns Verified, 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 57.19 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11721443 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 49.18% | 49.18% | No | Employed | Written Verification of Employment | 0 | NA | N/A | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 121 | 26 | FNMA 1005 | 0 | No | 0 | N/A | Borrower - Wage - Written VOE Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 42.72 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 15450701 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 45.28% | 45.28% | No | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 2 | 0 | NA | No | No | 0 | No | Yes | Yes | 30 | 0 | No | 0.00% | 100.00% | N/A | 0 | N/A | Yes | 348 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 2 YRS Executed 4506T Verified, Personal Bank Statements Verified - 2024 | Borrower - 2 YRS Executed 4506T Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 72.03 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 19819330 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 44.36% | 44.36% | No | No | Self-Employed | Employed | 2YR Full Doc | 2 | 2 | NA | 2+ Months | N/A | 0 | N/A | 0 | 2 | 0 | 2 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 100.00% | 0.00% | Audited | 14 | CPA | N/A | N/A | 0 | Yes | 158 | No | 0 | Yes | 301 | 25 | FNMA 1005 | Yes | 173 | 26 | FNMA 1005 | No | 0 | N/A | Borrower - Wage, SESoleProprietor - 2 YRS Personal Tax Returns Verified, CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS W2 1099 Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified || Co Borrower - Wage, Overtime and Bonus, Overtime and Bonus - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified || Co Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 54.47 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12895245 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 34.75% | 34.75% | No | No | Employed | Employed | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified || Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified || Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 66.03 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11804259 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 49.91% | 49.91% | No | No | Retired | Retired | 1YR Full Doc | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 1 | 0 | 1 | 0 | 3 | 1 | NA | NA | No | No | 0 | No | Yes | Yes | 1 | 0 | Yes | Yes | 1 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - Retirement - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, Personal Bank Statements Verified - 2024 || Co Borrower - Retirement, Retirement - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, Personal Bank Statements Verified - 2024 | Borrower - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2024 || Co Borrower - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 65.19 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 15509947 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 33.69% | 33.69% | Yes | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 98.36% | 100.00% | N/A | 0 | N/A | Yes | 24 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.13 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 18900419 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 49.17% | 49.17% | No | Self-Employed | W2/1099 Verified | 2 | NA | N/A | 0 | 0 | 0 | 0 | 1 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 1 YR IRS Transcripts Verified | Borrower - 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 70.0 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 19262160 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0.00% | 0 | 0 | No | 0 | 0 | 0 | Yes | 1.068 | 1.068 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.99 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 14814486 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 41.35% | 41.35% | No | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | Third-Party Prepared (Unaudited) | 12 | Tax Preparer | Yes | 62 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.91 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 18689167 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 25.24% | 25.24% | No | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 100.00% | 100.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 63.14 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 17610430 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 42.09% | 42.09% | No | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 100.00% | 100.00% | N/A | 0 | N/A | Yes | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 74.4 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 15625488 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 40.35% | 40.35% | No | Employed | 1YR Full Doc | 0 | 1 Month | N/A | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - Wage - 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.81 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 19667486 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 24.54% | 24.54% | Yes | Employed | 2YR Full Doc | 0 | NA | N/A | 0 | 0 | 0 | 2 | 2 | Yes | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 26 | 26 | FNMA 1005 | 0 | No | 0 | N/A | Borrower - Wage, Overtime and Bonus, Military and Government Assistance, Other REO Net Rental Income(Loss) - Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 76.56 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11265402 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 41.98% | 41.98% | No | No | Employed | Employed | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 3 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified || Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified || Co Borrower - 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 78.46 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 16406870 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 44.69% | 44.69% | No | No | Employed | Employed | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 19 | 27 | FNMA 1005 | Yes | 21 | 21 | Work Number | No | 0 | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified || Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified || Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | 0 | No | 69.88 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 16451278 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 47.90% | 47.90% | No | No | Employed | Employed | 1YR Full Doc | 1 | 1 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 35 | 35 | Work Number | No | 0 | N/A | Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified || Co Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified || Co Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 89.94 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 18458155 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 43.09% | 43.09% | No | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 66.07% | 100.00% | N/A | 0 | N/A | Yes | 120 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor, SSI and Disability, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 52.26 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12372000 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 40.56% | 40.56% | No | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | Audited | 14 | CPA | Yes | 24 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - 2024 | Borrower - 3 YRS Executed 4506T Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.7 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 13772309 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 35.63% | 35.63% | No | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 2 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 100.00% | 99.00% | N/A | 0 | N/A | Yes | 24 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 80.0 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12753823 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 33.40% | 33.40% | No | Self-Employed | 2YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | 0.00% | 100.00% | Audited | 26 | CPA | Yes | 199 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 55.97 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 18325699 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 48.18% | 48.18% | No | Employed | 2YR Full Doc | 2 | 1 Month | N/A | 0 | 0 | 0 | 2 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 104 | 26 | Work Number | 0 | No | 0 | Borrower - Wage, Overtime and Bonus, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 85.05 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11084147 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 42.93% | 42.93% | No | No | Employed | Retired | 2YR Full Doc | 2 | 2 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | Yes | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 219 | 26 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - Wage, Child Support - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified || Co Borrower - SSI and Disability, Other, Retirement - 2 YRS W2 1099 Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified || Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 74.91 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12151852 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 47.79% | 47.79% | No | Employed | 2YR Full Doc | 2 | 1 Month | N/A | 0 | 0 | 0 | 3 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 64 | 26 | FNMA 1005 | 0 | No | 0 | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 80.0 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 13416588 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 48.99% | 48.99% | No | Employed | 2YR Full Doc | 2 | 2+ Months | N/A | 0 | 0 | 0 | 3 | 1 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 74 | 27 | Work Number | 0 | No | 0 | N/A | Borrower - Wage, Overtime and Bonus, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 71.87 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11931810 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 27.98% | 27.98% | No | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 87.80% | 100.00% | N/A | 0 | N/A | Yes | 24 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 88.36 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 10570453 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 48.66% | 48.66% | No | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 100.00% | 100.00% | N/A | 0 | N/A | Yes | 24 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 90.0 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12107383 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Yes | Unknown | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0 | 0 | 0.00% | 0.00% | 0.00% | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | 0 | Yes | 1.293 | 1.352 | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified || Co Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 63.55 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 17447567 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 31.47% | 31.47% | No | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 100.00% | 100.00% | N/A | 0 | N/A | Yes | 180 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 57.77 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12992964 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 34.82% | 34.82% | No | Employed | 2YR Full Doc | 2 | 2+ Months | N/A | 0 | 0 | 0 | 3 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 70.16 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 14231780 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 45.78% | 45.78% | No | Employed | 2YR Full Doc | 2 | 2+ Months | N/A | 0 | 0 | 0 | 3 | 3 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.10% | N/A | 0 | N/A | NA | 0 | No | Yes | 281 | 25 | FNMA 1005 | 0 | No | 0 | N/A | Borrower - Wage, Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 65.06 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12419178 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 40.35% | 40.35% | No | Employed | 2YR Full Doc | 2 | 1 Month | N/A | 0 | 0 | 0 | 3 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 61 | 36 | Work Number | 0 | No | 0 | N/A | Borrower - Wage, Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 78.33 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 14402048 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 41.55% | 41.55% | No | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 100.00% | 100.00% | N/A | 0 | N/A | Yes | 24 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.96 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 14257600 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 42.46% | 42.46% | Yes | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 12 | 0 | No | 0.00% | 100.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Personal Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 70.0 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 14295258 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 37.57% | 37.57% | No | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 100.00% | 100.00% | N/A | 0 | N/A | Yes | 24 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 49.83 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 14263432 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 24.24% | 24.24% | Yes | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 100.00% | 100.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SECorporation, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 70.0 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12291952 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0 | 0 | No | 0 | 0 | 0 | Yes | 1.331 | 1.331 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 56.82 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 16790329 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 42.77% | 42.77% | No | No | Employed | Employed | 2YR Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified || Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified || Co Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 66.34 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 10817947 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 49.66% | 49.66% | Yes | Yes | Employed | Not Employed | 2YR Full Doc | 2 | 0 | 2+ Months | NA | N/A | 0 | N/A | 0 | 1 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 30 | 27 | Work Number | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - Wage, Overtime and Bonus, Subject Property Net Rental Income(Loss) if NOO - 1 YR Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified || Co Borrower - N/A - 3 YRS Executed 4506T Verified | Borrower - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified || Co Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | Permanent Resident Alien | Permanent Non-US Citizen | No | Real ID Driver's License | xxx | United States | xxx | I-551 Permanent Resident Card | xxx | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | I-551 Permanent Resident Card | xxx | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 68.2 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 14064371 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 49.49% | 49.49% | No | Not Employed | 2YR Full Doc | 1 | NA | N/A | 0 | 0 | 0 | 3 | 2 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | Borrower - SSI and Disability, Retirement - 1 YR W2 1099 Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 40.63 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12166712 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 35.26% | 35.26% | No | No | Employed | Not Employed | 2YR Full Doc | 2 | 0 | 2+ Months | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified || Co Borrower - N/A - 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified || Co Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 71.34 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 19658582 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 40.53% | 40.53% | No | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 100.00% | 100.00% | N/A | 0 | N/A | Yes | 24 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.71 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 10600194 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 46.39% | 46.39% | No | No | Employed | Employed | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 282 | 27 | FNMA 1005 | No | 0 | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified || Co Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified || Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.59 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 19429798 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 41.84% | 41.84% | No | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 24 | No | 100.00% | 100.00% | N/A | 0 | N/A | Yes | 60 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.69 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 17292800 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 47.44% | 47.44% | No | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 96.73% | 100.00% | N/A | 0 | N/A | Yes | 222 | No | NA | 0 | 0 | N/A | 0 | No | 0 | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.0 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12588598 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0 | 0 | No | 0 | 0 | 0 | Yes | 1.16 | 1.16 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 64.22 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 14864507 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 39.26% | 39.26% | Yes | Yes | Self-Employed | Employed | W2/1099 Verified | 0 | 2 | NA | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 100.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - SESCorp, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified || Co Borrower - Wage, Overtime and Bonus, Overtime and Bonus, Commission - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified || Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.15 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12496367 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 41.54% | 41.54% | No | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | Audited | 12 | CPA | Yes | 24 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESCorp - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 59.6 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 10038813 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 46.28% | 46.28% | Yes | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 100.00% | 100.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified, Lease Agreements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.94 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 19325836 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 4.08% | 4.08% | No | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 100.00% | 25.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | Borrower - SEPartnership - 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.64 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 17450713 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 34.90% | 34.90% | No | Self-Employed | 1YR Full Doc | 0 | NA | N/A | 0 | 1 | 0 | 3 | 1 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | Borrower Prepared | 2 | Borrower | Yes | 24 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor, SESoleProprietor, SESoleProprietor, SESoleProprietor - 1 YR Personal Tax Returns Verified, CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2024 | Borrower - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.78 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 18432133 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 39.88% | 39.88% | Yes | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 100.00% | 100.00% | N/A | 0 | N/A | Yes | 360 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor, SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 72.21 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 15882414 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 46.68% | 46.68% | No | No | Employed | Employed | 1YR Full Doc | 1 | 1 | 1 Month | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 1 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified || Co Borrower - Wage - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified || Co Borrower - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.93 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 18779709 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 37.68% | 37.68% | No | Employed | 2YR Full Doc | 2 | 1 Month | N/A | 0 | 0 | 0 | 3 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 327 | 26 | Work Number | 0 | No | 0 | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 0 | 58 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 70.06 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 14594630 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 42.40% | 42.40% | No | No | Employed | Employed | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 290 | 26 | Other | Yes | 75 | 27 | Work Number | No | 0 | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified || Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified || Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Passport | xxx | United States | xxx | Haitienne | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 67.38 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 14054695 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 22.88% | 22.88% | No | Self-Employed | 2YR Full Doc | 2 | 1 Month | N/A | 0 | 0 | 0 | 3 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.26 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 14757499 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 40.96% | 40.96% | Yes | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 100.00% | 100.00% | N/A | 0 | N/A | Yes | 117 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor, SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 70.0 | Yes | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 19614260 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 41.27% | 41.27% | No | Yes | Self-Employed | Not Employed | 12 Month Bank Statement | 2 | 1 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 1 | NA | Yes | No | No | 0 | No | Yes | Yes | 0 | 12 | No | Yes | 0 | 0 | 47.30% | 100.00% | 100.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - Wage, SESoleProprietor, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified, Business Bank Statements Verified || Co Borrower - SSI and Disability - 1 YR W2 1099 Verified, Award Letter Verified | Borrower - 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified || Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.84 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 19566122 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 49.92% | 49.92% | No | Self-Employed | 12 Month Bank Statement | 2 | 2+ Months | N/A | 0 | 0 | 0 | 2 | 2 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 56.19% | 100.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor, Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Business Bank Statements Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 64.99 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 18741069 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 42.19% | 42.19% | Yes | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 100.00% | 100.00% | N/A | 0 | N/A | Yes | 282 | No | NA | 0 | 0 | N/A | 0 | No | 0 | Borrower - SESCorp, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 67.67 | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 17900945 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 36.11% | 36.11% | No | Self-Employed | 24 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 36 | No | 100.00% | 100.00% | N/A | 0 | N/A | Yes | 24 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 78.13 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 15217945 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 49.30% | 49.30% | Yes | Yes | Employed | Employed | 2YR Full Doc | 2 | 2 | 2+ Months | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 124 | 26 | Work Number | No | 0 | N/A | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Lease Agreements Verified || Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified || Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 70.0 | Yes | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 19988729 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0.00% | 0 | 0 | No | 0 | 0 | 0 | Yes | 1.941 | 1.941 | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 65.0 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11013305 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 38.39% | 38.39% | No | Employed | 2YR Full Doc | 0 | NA | N/A | 0 | 0 | 0 | 3 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 152 | 26 | Work Number | 0 | No | 0 | Borrower - Wage, Other, Other REO Net Rental Income(Loss) - Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.83 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 14998093 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 41.23% | 41.23% | No | No | Employed | Employed | 2YR Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - Wage, Commission - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified || Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified || Co Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 84.61 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11513846 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 44.79% | 44.79% | No | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 2 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | Audited | 12 | CPA | Yes | 222 | No | NA | 0 | 0 | N/A | 0 | No | 0 | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.9 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 16445320 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 42.26% | 42.26% | Yes | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 100.00% | 100.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | Borrower - SESCorp, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx | I-551 Permanent Resident Card | xxx | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.99 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 10259748 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 39.24% | 39.24% | No | No | 1 | 5 | 3 | Retired | Retired | Employed | 3.67 | 2YR Full Doc | 2 | 2 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 3 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - SSI and Disability - 2 YRS W2 1099 Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified || Co Borrower - SSI and Disability, Retirement - 2 YRS W2 1099 Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified || Co Borrower 2 - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified || Co Borrower - 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified || Co Borrower 2 - 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 66.12 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 19877637 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 49.31% | 49.31% | No | Employed | 2YR Full Doc | 2 | 1 Month | N/A | 0 | 0 | 0 | 3 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | 0 | No | 59.81 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 19744647 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 46.41% | 46.41% | No | Employed | 1YR Full Doc | 1 | 1 Month | Yes | 7 | 0 | 0 | 3 | 1 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 15 | 15 | FNMA 1005 | 0 | No | 0 | N/A | Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 60.56 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 16147339 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 45.30% | 45.30% | Yes | Yes | Retired | Employed | 2YR Full Doc | 0 | 2 | NA | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 3 | Yes | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - Other, SSI and Disability, Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Award Letter Verified - 2025 || Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified - 2025 || Co Borrower - 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 70.0 | Yes | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 19692026 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 45.73% | 45.73% | No | Employed | 2YR Full Doc | 2 | 2+ Months | N/A | 0 | 0 | 0 | 3 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 108 | 27 | FNMA 1005 | 0 | No | 0 | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 73.98 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 16554133 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 41.32% | 41.32% | No | Employed | 2YR Full Doc | 2 | 2+ Months | N/A | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 131 | 26 | Work Number | 0 | No | 0 | Borrower - Wage, Overtime and Bonus, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 72.15 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 10518911 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 43.07% | 43.07% | No | Employed | 2YR Full Doc | 2 | 1 Month | N/A | 0 | 0 | 0 | 3 | 3 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 108 | 26 | Work Number | 0 | No | 0 | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.67 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 10614531 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 47.38% | 47.38% | Yes | Employed | 2YR Full Doc | 2 | 2+ Months | N/A | 0 | 1 | 0 | 2 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 170 | 27 | Work Number | 0 | No | 0 | N/A | Borrower - Wage, Commission, Other, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 62.97 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11922944 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 50.00% | 50.00% | No | No | Unknown | Unknown | 2YR Full Doc | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - SSI and Disability, Retirement - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified || Co Borrower - SSI and Disability, Retirement - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified || Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 58.36 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 10161255 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 42.99% | 42.99% | No | Employed | 2YR Full Doc | 2 | 2+ Months | N/A | 0 | 0 | 0 | 0 | 2 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.93 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 10726681 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 29.92% | 29.92% | No | No | Self-Employed | Self-Employed | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 50.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 240 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | Borrower - SEPartnership - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified || Co Borrower - N/A - 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified || Co Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.47 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 14725590 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 42.40% | 42.40% | No | Employed | 2YR Full Doc | 2 | 1 Month | N/A | 0 | 0 | 0 | 2 | 2 | Yes | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 37 | 27 | FNMA 1005 | 0 | No | 0 | N/A | Borrower - Wage, Overtime and Bonus, Other - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 62.57 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12991276 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 49.12% | 49.12% | No | Employed | 2YR Full Doc | 2 | 1 Month | N/A | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 65 | 26 | FNMA 1005 | 0 | No | 0 | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 85.98 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 10130022 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 32.12% | 32.12% | No | No | Self-Employed | Not Employed | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 50.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 48 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | Borrower - SESCorp - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified || Co Borrower - N/A - 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified || Co Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | Non Permanent Resident Alien | Non-Permanent Non-US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx | Employment Authorization Document (I-821D) | xxx | Non Permanent Resident Alien | Non-Permanent Non-US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx | I-821D Employment Authorization Document (I-821-D) | xxx | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.79 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 13813450 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 38.49% | 38.49% | No | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 100.00% | 100.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 80.0 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11213940 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 33.75% | 33.75% | Yes | Employed | 2YR Full Doc | 2 | 1 Month | N/A | 0 | 0 | 0 | 3 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 41 | 41 | Work Number | 0 | No | 0 | Borrower - Wage, Commission, Subject Property Net Rental Income(Loss) if NOO - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 72.08 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 19149161 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 42.58% | 42.58% | No | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 0.00% | 100.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 69.73 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 13049657 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 36.29% | 36.29% | No | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 0.00% | 100.00% | N/A | 0 | N/A | Yes | 154 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 61.55 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 18150464 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 42.11% | 42.11% | No | Self-Employed | 1YR Full Doc | 0 | NA | N/A | 0 | 1 | 1 | 3 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | 0.00% | 100.00% | Third-Party Prepared (Unaudited) | 3 | CPA | Yes | 60 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified, CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified, 1040 Schedule E Verified | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified, 3 YRS Executed 4506T Verified, 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 89.68 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11167858 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0.00% | 0 | 0 | No | 0 | 0 | 0 | Yes | 1.211 | 1.211 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 70.0 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 15932619 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 34.40% | 34.40% | No | No | Self-Employed | Not Employed | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 73 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified || Co Borrower - 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified || Co Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 84.43 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 14690391 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 33.88% | 33.88% | No | Employed | 2YR Full Doc | 2 | 2+ Months | N/A | 0 | 0 | 0 | 3 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 17 | 17 | FNMA 1005 | 0 | No | 0 | N/A | Borrower - Wage, Overtime and Bonus, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 75.0 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 18586285 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 43.97% | 43.97% | No | No | Employed | Employed | 2YR Full Doc | 2 | 0 | 2+ Months | NA | N/A | 0 | N/A | 0 | 2 | 0 | 2 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 100.00% | N/A | 0 | N/A | Third-Party Prepared (Unaudited) | Accountant/Bookkeeper | 12 | NA | 0 | No | 0 | Yes | 4 | 15 | Work Number | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - Wage - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified || Co Borrower - SESCorp - 2 YRS Personal Tax Returns Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified | Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified || Co Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 1 | 97 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx | United States Of America | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 78.13 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 14146564 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 19.33% | 19.33% | No | No | Self-Employed | Not Employed | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 20 | No | N/A | 0 | 0 | 100.00% | 100.00% | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 60 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - SESCorp, Other REO Net Rental Income(Loss) - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified || Co Borrower - 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified || Co Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 39.03 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11566574 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 42.47% | 42.47% | No | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 0.00% | 100.00% | N/A | 0 | N/A | Yes | 109 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SECorporation - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 58.27 | Yes | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 13758869 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 14.24% | 14.24% | No | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 100.00% | 100.00% | N/A | 0 | N/A | Yes | 111 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 78.89 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11078209 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 33.83% | 33.83% | No | No | 1 | 3 | 3 | Self-Employed | Employed | Not Employed | .00 | 1YR Full Doc | 0 | 1 | NA | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 100.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - SESoleProprietor - 2 YRS Executed 4506T Verified, 1040 Schedule E Verified - 2024 || Co Borrower - Wage - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified || Co Borrower 2 - SSI and Disability, Retirement - 1 YR W2 1099 Verified, 3 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified, 1040 Schedule E Verified - 2024 || Co Borrower - 2 YRS Executed 4506T Verified || Co Borrower 2 - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 73.33 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12139012 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 35.36% | 35.36% | No | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | Audited | 12 | CPA | Yes | 24 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.09 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 10246654 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 41.23% | 41.23% | No | Employed | 2YR Full Doc | 2 | 2+ Months | N/A | 0 | 0 | 0 | 3 | 3 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 188 | 27 | Work Number | 0 | No | 0 | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 0 | 118 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 77.28 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 19138840 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 38.26% | 38.26% | No | No | Employed | Employed | 2YR Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 3 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 17 | 27 | FNMA 1005 | No | 0 | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified || Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified || Co Borrower - 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 75.49 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 15446296 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 44.07% | 44.07% | No | Employed | 2YR Full Doc | 2 | 2+ Months | N/A | 0 | 0 | 0 | 3 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 57.07 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 18670412 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 49.04% | 49.04% | Yes | Employed | 2YR Full Doc | 2 | 1 Month | N/A | 0 | 0 | 0 | 3 | 1 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | Permanent Resident Alien | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 57.41 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 15012099 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 40.37% | 40.37% | No | No | Not Employed | Employed | 2YR Full Doc | 0 | 2 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | Borrower - N/A || Co Borrower - Wage, Retirement - 2 YRS W2 1099 Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower || Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA PATRIOT ACT | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 75.62 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12514091 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 49.81% | 49.81% | No | No | Employed | Employed | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 107 | 27 | Work Number | Yes | 105 | 27 | Work Number | No | 0 | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified || Co Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified || Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 77.12 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 10065939 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 37.22% | 37.22% | No | Self-Employed | 12 Month Bank Statement | 2 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 100.00% | 50.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SECorporation - 2 YRS W2 1099 Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 90.0 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 10070990 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 49.95% | 49.95% | No | Employed | 1YR Full Doc | 2 | 2+ Months | N/A | 0 | 0 | 0 | 1 | 1 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 100.00% | 100.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 97 | 26 | Work Number | 0 | No | 0 | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 89.74 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 13328425 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 19.14% | 19.14% | No | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | Audited | 12 | CPA | Yes | 24 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | I-551 Permanent Resident Card | xxx | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 80.0 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 19560478 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Yes | Unknown | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0 | 0 | 0.00% | 0.00% | 0.00% | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | 0 | Yes | 1.002 | 1.002 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified || Co Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 62.55 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 10247645 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 48.26% | 48.26% | No | Employed | 1YR Full Doc | 1 | 1 Month | N/A | 0 | 0 | 0 | 3 | 1 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 70.1 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12506580 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0.00% | 0 | 0 | No | 0 | 0 | 0 | Yes | 1.083 | 1.06 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.89 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11442181 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 38.27% | 38.27% | No | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | Audited | 14 | CPA | Yes | 60 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.88 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 18563041 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 47.06% | 47.06% | No | No | Retired | Employed | 2YR Full Doc | 0 | 2 | 1 Month | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 12 | 12 | Work Number | No | 0 | N/A | Borrower - Other, Other, Other - 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2025 || Co Borrower - Wage, Overtime and Bonus, Other - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2025 || Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Enhanced Driver's License (MI, MN, NY, VT, WA) | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 49.16 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 15684319 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 49.42% | 49.42% | No | No | Not Employed | Employed | 1YR Full Doc | 1 | 0 | NA | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 3 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 12 | 12 | FNMA 1005 | No | 0 | N/A | Borrower - SSI and Disability - 1 YR W2 1099 Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified - 2025 || Co Borrower - Wage - 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified - 2025 || Co Borrower - 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 89.76 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12571457 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 35.61% | 35.61% | No | No | Retired | Employed | 2YR Full Doc | 0 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 3 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 60 | 27 | FNMA 1005 | No | 0 | N/A | Borrower - Retirement - 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified || Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified || Co Borrower - 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 71.4 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 14578027 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 49.88% | 49.88% | No | Employed | 2YR Full Doc | 2 | 1 Month | N/A | 0 | 0 | 0 | 3 | 3 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 129 | 27 | Other | 0 | No | 0 | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 59.07 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 14086426 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 32.86% | 32.86% | Yes | Employed | 2YR Full Doc | 2 | 2+ Months | N/A | 0 | 1 | 0 | 2 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified | Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.22 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 15268480 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 28.89% | 28.89% | No | Employed | 2YR Full Doc | 2 | 1 Month | N/A | 0 | 0 | 0 | 3 | 3 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 78 | 26 | FNMA 1005 | 0 | No | 0 | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 47.38 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 16479781 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 42.06% | 42.06% | No | Employed | 2YR Full Doc | 2 | 2+ Months | N/A | 0 | 0 | 0 | 3 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 79 | 26 | Work Number | 0 | No | 0 | Borrower - Wage, Retirement - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 85.0 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 18989609 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 38.68% | 38.68% | No | No | Self-Employed | Not Employed | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% | 0.00% | Audited | 12 | CPA | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified || Co Borrower - N/A - 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified || Co Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 40.56 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 16583844 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 8.55% | 8.55% | Yes | Yes | Self-Employed | Self-Employed | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 50.00% | 50.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - SEPartnership, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified || Co Borrower - SEPartnership - 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified || Co Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 71.78 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 17165116 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 49.81% | 49.81% | No | No | Self-Employed | Employed | 12 Month Bank Statement | 0 | 2 | NA | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | Yes | 0 | 0 | 68.25% | 100.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 36 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified || Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified || Co Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.1 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 16263482 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 21.72% | 21.72% | Yes | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | Third-Party Prepared (Unaudited) | 12 | CPA | Yes | 24 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.79 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11499457 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 49.48% | 49.48% | No | No | Employed | Not Employed | 2YR Full Doc | 2 | 0 | 2+ Months | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - Wage, Overtime and Bonus, Other, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, 1040 Schedule E Verified || Co Borrower - 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified, 1040 Schedule E Verified || Co Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 71.33 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 13594318 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 27.21% | 27.21% | No | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 50.00% | Audited | 12 | Tax Preparer | Yes | 24 | No | NA | 0 | 0 | N/A | 0 | No | 0 | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 72.58 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11168186 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 5.00% | 5.00% | No | No | Self-Employed | Not Employed | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 120 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - SESCorp, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified || Co Borrower | Borrower || Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 78.13 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 14375194 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 42.72% | 42.72% | No | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 100.00% | 100.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESCorp, Other REO Net Rental Income(Loss) - Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 51.35 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 17679535 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 9.81% | 9.81% | Yes | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 100.00% | 100.00% | N/A | 0 | N/A | Yes | 108 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 68.2 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 10862782 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 37.66% | 37.66% | No | No | Employed | Employed | 2YR Full Doc | 2 | 2 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 26 | 26 | FNMA 1005 | No | 0 | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified || Co Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, Written VOE Verified, 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified || Co Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 61.49 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 17774809 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 25.41% | 25.41% | Yes | Employed | 2YR Full Doc | 2 | 2+ Months | N/A | 0 | 1 | 0 | 2 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified | Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 63.24 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 10464159 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 34.50% | 34.50% | No | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 100.00% | 100.00% | N/A | 0 | N/A | Yes | 180 | No | NA | 0 | 0 | N/A | 0 | No | 0 | Borrower - SECorporation, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 59.79 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 10433053 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 42.82% | 42.82% | No | Employed | 2YR Full Doc | 2 | 2+ Months | N/A | 0 | 0 | 0 | 3 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 12 | 12 | Work Number | 0 | No | 0 | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 68.45 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 17116116 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 39.90% | 39.90% | No | No | Employed | Employed | 2YR Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified || Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified || Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 80.0 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12025681 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 43.24% | 43.24% | Yes | Self-Employed | 2YR Full Doc | 0 | NA | N/A | 0 | 2 | 0 | 3 | 1 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | Third-Party Prepared (Unaudited) | 12 | Accountant/Bookkeeper | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - 2 YRS Personal Tax Returns Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.89 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12935925 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0.00% | 0 | 0 | No | 0 | 0 | 0 | Yes | 1.145 | 1.135 | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | xxx | xxx | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 65.26 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11587123 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | Annually | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0.00% | 0 | 0 | No | 0 | 0 | 0 | Yes | 1.03 | 1.038 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 65.33 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 16791723 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 18.90% | 18.90% | No | No | Employed | Employed | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified || Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified || Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 54.98 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 13637049 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 21.18% | 21.18% | No | No | Employed | Employed | 2YR Full Doc | 1 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 284 | 26 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 | Borrower - Wage - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified || Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified || Co Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 72.06 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 10514513 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 29.91% | 29.91% | No | Employed | 2YR Full Doc | 2 | 2+ Months | N/A | 0 | 0 | 0 | 3 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 314 | 26 | FNMA 1005 | 0 | No | 0 | Borrower - Wage, Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.09 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 17757486 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 49.62% | 49.62% | No | Not Employed | 2YR Full Doc | 2 | NA | N/A | 0 | 0 | 0 | 2 | 0 | NA | No | Yes | 60.0 | No | No | N/A | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SSI and Disability, Retirement, Asset Depletion - 2 YRS W2 1099 Verified, 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 59.19 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 15537053 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 31.44% | 31.44% | No | No | Employed | Employed | 2YR Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified || Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified || Co Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 57.83 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 13205572 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 48.53% | 48.53% | No | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | Audited | 12 | CPA | Yes | 48 | No | NA | 0 | 0 | N/A | 0 | No | 0 | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | I-551 Permanent Resident Card | xxx | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 72.16 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 19925806 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Yes | Unknown | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0 | 0 | 0.00% | 0.00% | 0.00% | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | 0 | Yes | 1.03 | 1.03 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified || Co Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 70.0 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 16901390 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 44.46% | 44.46% | Yes | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | Audited | 12 | CPA | Yes | 24 | No | NA | 0 | 0 | N/A | 0 | No | 0 | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 27.06 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12993005 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 44.54% | 44.54% | No | Employed | 2YR Full Doc | 2 | 1 Month | N/A | 0 | 0 | 0 | 2 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 76.88 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12222723 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 39.78% | 39.78% | No | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | Audited | 13 | CPA | Yes | 99 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 31.33 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 16311547 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 49.14% | 49.14% | Yes | Yes | Employed | Not Employed | 1YR Full Doc | 1 | 0 | 2+ Months | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified || Co Borrower - 1 YR Executed 4506T Verified | Borrower - 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified || Co Borrower - 1 YR Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License | xxx | Mexico | xxx | I-151 Permanent Resident Card | xxx | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 56.26 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 19013863 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 45.71% | 45.71% | No | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 100.00% | 100.00% | N/A | 0 | N/A | Yes | 72 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 72.22 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 16303343 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 48.12% | 48.12% | No | Employed | 2YR Full Doc | 2 | 2+ Months | N/A | 0 | 0 | 0 | 2 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 127 | 127 | Work Number | 0 | No | 0 | N/A | Borrower - Wage, Commission - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.96 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12606905 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 42.04% | 42.04% | No | Employed | 2YR Full Doc | 2 | 1 Month | N/A | 0 | 0 | 0 | 3 | 3 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 78.92 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11075549 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 23.63% | 23.63% | No | No | Self-Employed | Self-Employed | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 50.00% | 50.00% | 50.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified || Co Borrower - SESoleProprietor - Business Bank Statements Verified | Borrower || Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 63.89 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 19661862 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 29.59% | 29.59% | No | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | Third-Party Prepared (Unaudited) | 12 | Tax Preparer | Yes | 94 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 68.08 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11262668 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 41.78% | 41.78% | No | No | Self-Employed | Employed | 12 Month Bank Statement | 0 | 2 | NA | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | Yes | 0 | 0 | 0.00% | 100.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - SESoleProprietor - 2 YRS Executed 4506T Verified, Business Bank Statements Verified || Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified || Co Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 41.61 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 15654274 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 38.92% | 38.92% | No | No | Self-Employed | Not Employed | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% | 0.00% | Audited | 12 | CPA | N/A | N/A | 0 | Yes | 229 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified || Co Borrower - N/A - 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified || Co Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Passport | xxx | United States | xxx | AFGHANISTAN | xxx | N/A | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 73.52 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 15632537 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 39.74% | 39.74% | No | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | Audited | 12 | CPA | Yes | 37 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.63 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12768620 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 48.12% | 48.12% | No | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | 0.00% | 50.00% | Audited | 12 | CPA | Yes | 12 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 60.63 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 19267414 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 37.28% | 37.28% | No | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | Audited | 12 | CPA | Yes | 180 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - 2025 | Borrower - 2025 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 68.8 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 13259669 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 42.25% | 42.25% | No | No | Self-Employed | Employed | 12 Month Bank Statement | 0 | 2 | NA | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 2 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | Yes | 0 | 0 | 58.32% | 100.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified || Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS IRS Transcripts Verified | Borrower || Co Borrower - 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 58.92 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 10585040 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 43.78% | 43.78% | No | No | Retired | Self-Employed | 1YR Full Doc | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 2 | 1 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 100.00% | N/A | 0 | N/A | Borrower Prepared | Borrower | 15 | NA | 0 | Yes | 406 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - SSI and Disability - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024 || Co Borrower - SESoleProprietor, SSI and Disability - 2 YRS Personal Tax Returns Verified, 1 YR Business Tax Returns Verified, CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - 2023 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024 || Co Borrower - 2 YRS Personal Tax Returns Verified, 1 YR Business Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - 2023 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 66.99 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 14276389 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 44.56% | 44.56% | No | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 2 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 100.00% | 100.00% | N/A | 0 | N/A | Yes | 158 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 74.47 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 13511036 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 39.76% | 39.76% | No | Employed | 1YR Full Doc | 1 | NA | N/A | 0 | 0 | 0 | 2 | 3 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 13 | 13 | Work Number | 0 | No | 0 | N/A | Borrower - Wage, Child Support - 1 YR W2 1099 Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified, Separation Agreement Verified | Borrower - 2 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 77.06 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11472692 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 37.97% | 37.97% | No | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 100.00% | 100.00% | N/A | 0 | N/A | Yes | 24 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 88.55 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12219131 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 45.48% | 45.48% | No | Employed | 2YR Full Doc | 2 | 1 Month | N/A | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | 0 | No | 80.0 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 17350706 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 13.12% | 13.12% | No | No | Self-Employed | Self-Employed | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | N/A | 0 | 12 | 100.00% | 50.00% | 50.00% | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | Yes | 24 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | Borrower - SEPartnership, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified || Co Borrower - SEPartnership - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified || Co Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 60.21 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 18043577 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 42.93% | 42.93% | No | Employed | 2YR Full Doc | 2 | 1 Month | N/A | 0 | 0 | 0 | 3 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.23 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 17529818 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 49.00% | 49.00% | No | Employed | 1YR Full Doc | 1 | 1 Month | N/A | 0 | 0 | 0 | 3 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 63.75 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 16904943 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | Yes | No | No | N/A | N/A | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 45.69% | 45.69% | Yes | Employed | 2YR Full Doc | 1 | 1 Month | N/A | 0 | 0 | 0 | 3 | 1 | Yes | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 37 | 28 | Other | 0 | No | 0 | Borrower - Wage, Overtime and Bonus, SSI and Disability, Subject Property Net Rental Income(Loss) if NOO - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, IRS Transcripts Verified, Award Letter Verified | Borrower - 3 YRS Executed 4506T Verified, IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 62.1 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 17199628 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 41.16% | 41.16% | No | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | Audited | 12 | Tax Preparer | Yes | 24 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 16.67 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 10249348 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 32.25% | 32.25% | Yes | Self-Employed | W2/1099 Verified | 2 | NA | N/A | 0 | 0 | 0 | 2 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | Proceeds from Sale | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - Other, Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - 2 YRS W2 1099 Verified, 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 79.74 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 18759965 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 36.96% | 36.96% | No | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | Audited | 12 | CPA | Yes | 72 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.99 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 13602827 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 44.77% | 44.77% | No | Employed | 2YR Full Doc | 2 | 2+ Months | N/A | 0 | 0 | 0 | 3 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 24 | 24 | Work Number | 0 | No | 0 | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 78.81 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12605010 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Yes | Unknown | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0 | 0 | 0.00% | 0.00% | 0.00% | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | 0 | Yes | 1.602 | 1.602 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified || Co Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 59.99 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 14175248 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 37.32% | 37.32% | No | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | Third-Party Prepared (Unaudited) | 12 | Tax Preparer | Yes | 120 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.18 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 14529936 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 43.79% | 43.79% | Yes | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | Third-Party Prepared (Unaudited) | 14 | Tax Preparer | Yes | 36 | No | NA | 0 | 0 | N/A | 0 | No | 0 | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 59.92 | Yes | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 18244367 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 24.29% | 24.29% | No | No | Self-Employed | Employed | 1YR Full Doc | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 1 | 0 | 1 | 0 | 3 | 1 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 3 | Yes | Yes | 0 | 3 | 0.00% | 90.00% | 10.00% | Third-Party Prepared (Unaudited) | 3 | Tax Preparer | Third-Party Prepared (Unaudited) | Tax Preparer | 12 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - SESCorp - 1 YR Personal Tax Returns Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, Business Bank Statements Verified - 2023 || Co Borrower - SESCorp - 1 YR Personal Tax Returns Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, Business Bank Statements Verified - 2023 | Borrower - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2023 || Co Borrower - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2023 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 89.79 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 19965269 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 42.78% | 42.78% | Yes | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | 0.00% | 100.00% | Audited | 12 | CPA | Yes | 24 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 64.9 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 15358651 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 10.39% | 10.39% | Yes | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 2 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - 2 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA PATRIOT ACT | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.88 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 10019714 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 39.57% | 39.57% | No | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | Audited | 12 | CPA | Yes | 12 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | .00 | 0 | No | 74.91 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 17044462 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 41.61% | 41.61% | Yes | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 2 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 100.00% | 100.00% | N/A | 0 | N/A | Yes | 50 | No | NA | 0 | 0 | N/A | 0 | No | 0 | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified, Lease Agreements Verified | Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 64.05 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 15552574 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 48.30% | 48.30% | No | No | Self-Employed | Retired | 1YR Full Doc | 2 | 0 | 2+ Months | NA | N/A | 0 | N/A | 0 | 0 | 1 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | Borrower Prepared | 3 | Borrower | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | Borrower - SESCorp - 1 YR Business Tax Returns Verified, YTD Profit And Loss Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - 2024 || Co Borrower - SSI and Disability, Retirement - 3 YRS Executed 4506T Verified - 2024 | Borrower - 1 YR Business Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - 2024 || Co Borrower - 3 YRS Executed 4506T Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 62.79 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 16387461 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 48.08% | 48.08% | No | Employed | 2YR Full Doc | 2 | 2+ Months | N/A | 0 | 0 | 0 | 3 | 3 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 168 | 27 | FNMA 1005 | 0 | No | 0 | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 73.97 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 14325520 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 43.42% | 43.42% | No | Employed | 1YR Full Doc | 2 | 2+ Months | N/A | 0 | 0 | 0 | 3 | 1 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - Wage, Other - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 89.99 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 10085400 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 41.43% | 41.43% | No | No | Not Employed | Retired | 1YR Full Doc | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | Yes | Yes | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - SSI and Disability - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified || Co Borrower - SSI and Disability, Retirement - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified || Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 87.44 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 13442438 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 40.09% | 40.09% | No | No | Employed | Employed | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 129 | 28 | Work Number | Yes | 40 | 28 | Work Number | No | 0 | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified || Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified || Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 78.23 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12398881 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 36.35% | 36.35% | No | Employed | 2YR Full Doc | 2 | 2+ Months | N/A | 0 | 0 | 0 | 3 | 3 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.98 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 19985525 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 32.30% | 32.30% | No | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 100.00% | 100.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 66.7 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 10768487 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 49.07% | 49.07% | No | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | Third-Party Prepared (Unaudited) | 12 | Tax Preparer | Yes | 24 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SECorporation - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 48.99 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 19415044 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 39.62% | 39.62% | No | No | Employed | Employed | 1YR Full Doc | 1 | 1 | 2+ Months | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 149 | 28 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - Wage - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified || Co Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified || Co Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 65.04 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 13460695 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 40.95% | 40.95% | No | Employed | 2YR Full Doc | 2 | 1 Month | N/A | 0 | 0 | 0 | 3 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 165 | 27 | FNMA 1005 | 0 | No | 0 | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 62.2 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12141415 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 45.62% | 45.62% | No | No | Employed | Employed | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 58 | 26 | Work Number | Yes | 13 | 13 | Work Number | No | 0 | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified || Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified || Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.31 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 15214086 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 21.33% | 21.33% | No | No | Employed | Employed | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 357 | 28 | FNMA 1005 | Yes | 341 | 28 | FNMA 1005 | No | 0 | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified || Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified || Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 57.46 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 18836556 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 49.30% | 49.30% | No | Retired | 2YR Full Doc | 1 | NA | N/A | 0 | 0 | 0 | 3 | 2 | Yes | No | No | 0 | No | No | N/A | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | Borrower - Retirement - 1 YR W2 1099 Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified - 2024 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 44.03 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12763673 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 49.52% | 49.52% | No | No | Employed | Employed | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 79 | 28 | Work Number | Yes | 174 | 28 | FNMA 1005 | No | 0 | Borrower - Wage, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified || Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified || Co Borrower - 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 57.61 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 14376400 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 42.96% | 42.96% | No | No | Employed | Employed | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 104 | 27 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 | Yes | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified || Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified || Co Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 63.78 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 14739846 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 46.54% | 46.54% | Yes | Employed | 2YR Full Doc | 2 | 2+ Months | N/A | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | Yes | Borrower - Wage, Overtime and Bonus, Subject Property Net Rental Income(Loss) if NOO - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.79 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 15534762 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 49.42% | 49.42% | No | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 2 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | Audited | 12 | CPA | Yes | 52 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 35.44 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 16698833 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 36.77% | 36.77% | No | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | Third-Party Prepared (Unaudited) | 12 | CPA | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor - YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 66.33 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 10486924 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 34.46% | 34.46% | Yes | Self-Employed | W2/1099 Verified | 2 | NA | N/A | 0 | 0 | 0 | 2 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.76 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 13217651 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 42.09% | 42.09% | Yes | Yes | Employed | Employed | 1YR Full Doc | 1 | 1 | 2+ Months | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 11 | 15 | FNMA 1005 | Yes | 162 | 27 | FNMA 1005 | No | 0 | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified || Co Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified | Borrower - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified || Co Borrower - 1 YR IRS Transcripts Verified, 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 62.01 | Yes | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 16880244 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0.00% | 0 | 0 | No | 0 | 0 | 0 | Yes | 1.052 | 1.052 | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 64.6 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 17827622 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 42.82% | 42.82% | No | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 100.00% | 100.00% | N/A | 0 | N/A | Yes | 360 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 60.49 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 13380241 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 14.26% | 14.26% | No | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 100.00% | 90.00% | N/A | 0 | N/A | Yes | 194 | No | NA | 0 | 0 | N/A | 0 | No | 0 | Borrower - SECorporation - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 89.68 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 16880215 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 43.59% | 43.59% | Yes | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 100.00% | 75.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | Borrower - SEPartnership, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified, Lease Agreements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.55 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11788643 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 35.90% | 35.90% | No | Employed | 2YR Full Doc | 2 | 2+ Months | N/A | 0 | 0 | 0 | 3 | 3 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 220 | 27 | FNMA 1005 | 0 | No | 0 | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 31.76 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11582460 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 43.19% | 43.19% | No | Employed | 1YR Full Doc | 1 | 1 Month | N/A | 0 | 0 | 0 | 3 | 1 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 83.9 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11563481 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 34.35% | 34.35% | No | Employed | 2YR Full Doc | 2 | 2+ Months | N/A | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - Wage, Commission, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 79.99 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 15934438 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 7.47% | 7.47% | No | No | Self-Employed | Employed | 12 Month Bank Statement | 0 | 2 | NA | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | Yes | 0 | 0 | 94.73% | 100.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - SESoleProprietor - 2 YRS Executed 4506T Verified, Business Bank Statements Verified || Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified || Co Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Enhanced Driver's License (MI, MN, NY, VT, WA) | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 77.64 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 10519127 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 29.02% | 29.02% | No | No | Not Employed | Employed | 1YR Full Doc | 0 | 1 | NA | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - N/A || Co Borrower - Wage - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified | Borrower || Co Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | USA Patriot Act | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use | USA Patriot Act | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 24.42 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12170319 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 34.85% | 34.85% | Yes | Self-Employed | W2/1099 Verified | 2 | NA | N/A | 0 | 0 | 0 | 2 | 2 | NA | No | No | 0 | No | Yes | Yes | 1 | 0 | No | 0.00% | 100.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - Other, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Personal Bank Statements Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 79.68 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 13605701 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 26.21% | 26.21% | No | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 100.00% | 100.00% | N/A | 0 | N/A | Yes | 24 | No | NA | 0 | 0 | N/A | 0 | No | 0 | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 70.89 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 10892905 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0.00% | 0 | 0 | No | 0 | 0 | 0 | Yes | 1.668 | 1.463 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 60.49 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 10996843 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 45.79% | 45.79% | No | No | Employed | Employed | 1YR Full Doc | 1 | 1 | 1 Month | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 21 | 21 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified || Co Borrower - Wage - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified || Co Borrower - 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 70.26 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 18857003 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 30.45% | 30.45% | Yes | Self-Employed | W2/1099 Verified | 0 | NA | N/A | 0 | 0 | 0 | 2 | 2 | NA | No | No | 0 | No | Yes | Yes | 1 | 0 | No | 0.00% | 100.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Personal Bank Statements Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 79.74 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 16498786 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 44.44% | 44.44% | No | No | Self-Employed | Self-Employed | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 50.00% | 50.00% | Audited | 12 | CPA | Audited | CPA | 12 | Yes | 24 | Yes | 24 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - SEPartnership, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified || Co Borrower - SEPartnership - CPA Letter Verified, YTD Profit And Loss Verified | Borrower || Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 49.17 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 18376374 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 49.22% | 49.22% | No | No | Self-Employed | Self-Employed | 1YR Business P&L | 1 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 50.00% | 50.00% | Audited | 12 | CPA | Audited | CPA | 12 | Yes | 24 | Yes | 24 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - SEPartnership, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 1 YR W2 1099 Verified || Co Borrower - SEPartnership - CPA Letter Verified, YTD Profit And Loss Verified | Borrower || Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 66.16 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 13865311 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 40.66% | 40.66% | No | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 100.00% | 50.00% | N/A | 0 | N/A | Yes | 181 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESCorp - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 82.23 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 15814173 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 44.83% | 44.83% | No | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | Yes | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 0.00% | 100.00% | N/A | 0 | N/A | Yes | 72 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor, Retirement - CPA Letter Verified, Award Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 68.9 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 10544376 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0.00% | 0 | 0 | No | 0 | 0 | 0 | Yes | 1.0 | 1.0 | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 57.55 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11342711 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 35.25% | 35.25% | Yes | Self-Employed | W2/1099 Verified | 2 | NA | N/A | 0 | 0 | 2 | 2 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 2 YRS Business Tax Returns Verified, 2 YRS W2 1099 Verified, 2 YRS Executed 4506T Verified | Borrower - 2 YRS Business Tax Returns Verified, 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 75.0 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 17984354 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0.00% | 0 | 0 | No | 0 | 0 | 0 | Yes | 1.58 | 1.58 | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 60.13 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12696027 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 39.57% | 39.57% | No | Employed | 2YR Full Doc | 2 | 2+ Months | N/A | 0 | 0 | 0 | 2 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, 1040 Schedule E Verified | Borrower - 2 YRS Executed 4506T Verified, 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 31.44 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 16000356 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 48.14% | 48.14% | No | No | Employed | Self-Employed | 2YR Full Doc | 2 | 0 | 2+ Months | NA | N/A | 0 | N/A | 0 | 1 | 0 | 1 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - Wage - 1 YR Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified || Co Borrower - Other - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified - 2024 | Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified || Co Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 53.72 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11329680 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 46.84% | 46.84% | No | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 2 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 100.00% | 100.00% | N/A | 0 | N/A | Yes | 51 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.07 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11699187 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 48.49% | 48.49% | No | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | Audited | 16 | CPA | Yes | 24 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | I-151 Permanent Resident Card | xxx | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 66.3 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 18115053 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 35.80% | 35.80% | No | Employed | 1YR Full Doc | 1 | 1 Month | N/A | 0 | 0 | 0 | 2 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 24 | 24 | Work Number | 0 | No | 0 | Borrower - Wage, Other - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 84.88 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12476125 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 45.89% | 45.89% | No | No | Employed | Employed | 2YR Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 26 | 83 | FNMA 1005 | Yes | 27 | 12 | Work Number | No | 0 | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified || Co Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified || Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.4 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 19343159 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 44.84% | 44.84% | Yes | Retired | 1YR Full Doc | 0 | NA | N/A | 0 | 1 | 0 | 1 | 1 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - Retirement, SSI and Disability, Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - 1 YR Personal Tax Returns Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 63.25 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11734901 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 40.55% | 40.55% | No | Employed | 1YR Full Doc | 1 | 2+ Months | N/A | 0 | 0 | 0 | 2 | 1 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 75 | 14 | FNMA 1005 | 0 | No | 0 | N/A | Borrower - Wage, Overtime and Bonus - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 77.61 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 15585384 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 36.26% | 36.26% | No | No | Self-Employed | Employed | 12 Month Bank Statement | 0 | 2 | NA | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | Yes | 0 | 0 | 60.05% | 100.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 36 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified || Co Borrower - Wage, Commission - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified | Borrower || Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 67.84 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 15317383 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 36.98% | 36.98% | No | No | Employed | Employed | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, IRS Transcripts Verified || Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, IRS Transcripts Verified || Co Borrower - 3 YRS Executed 4506T Verified, IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 58.35 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 18203222 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 33.39% | 33.39% | No | No | Employed | Employed | 1YR Full Doc | 1 | 1 | 1 Month | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified || Co Borrower - Wage - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified | Borrower - 2 YRS Executed 4506T Verified || Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 73.84 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12322872 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 36.73% | 36.73% | No | Employed | 2YR Full Doc | 2 | 1 Month | N/A | 0 | 0 | 0 | 3 | 1 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 173 | 27 | Work Number | 0 | No | 0 | N/A | Borrower - Wage, SSI and Disability - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 49.87 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 15403596 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 46.05% | 46.05% | No | No | Retired | Retired | 1YR Full Doc | 1 | 1 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 1 | Yes | Yes | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - SSI and Disability, Retirement - 1 YR W2 1099 Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, Award Letter Verified || Co Borrower - Retirement - 1 YR W2 1099 Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, Award Letter Verified | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified || Co Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 76.68 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 16302696 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 35.45% | 35.45% | No | Employed | 12 Month Bank Statement | 2 | 2+ Months | N/A | 0 | 0 | 0 | 1 | 1 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 0.00% | 100.00% | N/A | 0 | N/A | Yes | 220 | No | Yes | 23 | 23 | FNMA 1005 | 0 | No | 0 | Borrower - Wage, SESoleProprietor - CPA Letter Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified, Business Bank Statements Verified | Borrower - 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 41.81 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11859562 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 44.69% | 44.69% | Yes | Yes | Employed | Employed | 1YR Full Doc | 1 | 1 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 360 | 27 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 | No | Borrower - Wage - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified || Co Borrower - Wage - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, 1 YR IRS Transcripts Verified | Borrower - 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified || Co Borrower - 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 51.16 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12736350 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0.00% | 0 | 0 | No | 0 | 0 | 0 | Yes | 0.87 | 0.87 | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.48 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11116853 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 36.81% | 36.81% | No | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | Audited | 12 | CPA | Yes | 123 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2025 | Borrower - 2025 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 75.06 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 18066523 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | Monthly | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0.00% | 0 | 0 | No | 0 | 0 | 0 | Yes | 1.013 | 1.01 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 66.18 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 18957854 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 41.85% | 41.85% | No | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 100.00% | 100.00% | N/A | 0 | N/A | Yes | 302 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor, SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 88.23 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 14942507 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0.00% | 0 | 0 | No | 0 | 0 | 0 | Yes | 1.001 | 1.001 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 52.34 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 16311152 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0.00% | 0 | 0 | No | 0 | 0 | 0 | Yes | 1.214 | 1.214 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.27 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 15206696 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 44.54% | 44.54% | No | Employed | 1YR Full Doc | 1 | 1 Month | N/A | 0 | 0 | 0 | 2 | 1 | Yes | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - Wage, SSI and Disability - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, Award Letter Verified | Borrower - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 52.23 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 18761426 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 44.81% | 44.81% | No | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | 0.00% | 100.00% | Audited | 14 | CPA | Yes | 36 | No | NA | 0 | 0 | N/A | 0 | No | 0 | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 64.99 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 17517680 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 42.34% | 42.34% | No | Employed | 2YR Full Doc | 2 | 2+ Months | N/A | 0 | 0 | 0 | 3 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 68.02 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 15934913 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 41.56% | 41.56% | No | Employed | 1YR Full Doc | 2 | 2+ Months | N/A | 0 | 0 | 0 | 2 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 187 | 28 | Other | 0 | No | 0 | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 72.76 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 17365146 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 38.57% | 38.57% | Yes | Employed | 2YR Full Doc | 2 | 1 Month | N/A | 0 | 0 | 0 | 3 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 103 | 27 | FNMA 1005 | 0 | No | 0 | N/A | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | I-551 Permanent Resident Card | xxx | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.89 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12880010 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0.00% | 0 | 0 | No | 0 | 0 | 0 | Yes | 1.584 | 1.59 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.99 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 13658603 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 40.24% | 40.24% | No | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | Audited | 14 | CPA | Yes | 35 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 66.51 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 15336359 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 40.11% | 40.11% | No | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | 0.00% | 100.00% | Audited | 12 | CPA | Yes | 74 | No | NA | 0 | 0 | N/A | 0 | No | 0 | Borrower - Wage - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - 2024 | Borrower - 3 YRS Executed 4506T Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 46.43 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 18519521 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0.00% | 0 | 0 | No | 0 | 0 | 0 | Yes | 1.078 | 1.078 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 45.81 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 18970569 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 44.93% | 44.93% | Yes | Retired | 1YR Full Doc | 1 | NA | N/A | 0 | 0 | 0 | 1 | 1 | Yes | No | No | 0 | No | Yes | N/A | 2 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - Retirement, Subject Property Net Rental Income(Loss) if NOO - 1 YR W2 1099 Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified, Award Letter Verified, Personal Bank Statements Verified | Borrower - 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 37.39 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 15010848 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 38.01% | 38.01% | No | No | Employed | Employed | 1YR Full Doc | 1 | 1 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 84 | 27 | FNMA 1005 | Yes | 38 | 27 | FNMA 1005 | No | 0 | N/A | Borrower - Wage, Commission - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified || Co Borrower - Wage, Overtime and Bonus, Commission - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified || Co Borrower - 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 63.19 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 18745300 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 46.91% | 46.91% | No | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 24 | No | 100.00% | 100.00% | N/A | 0 | N/A | Yes | 96 | No | NA | 0 | 0 | N/A | 0 | No | 0 | Borrower - SECorporation, SECorporation, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 72.57 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 13792544 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 44.57% | 44.57% | No | No | Self-Employed | Employed | 2YR Full Doc | 0 | 2 | NA | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 100.00% | 0.00% | Borrower Prepared | 4 | Borrower | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 28 | 26 | FNMA 1005 | No | 0 | N/A | Borrower - SESoleProprietor - YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified || Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified || Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.1 | Yes | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 18728848 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 44.73% | 44.73% | Yes | Self-Employed | 2YR Full Doc | 1 | Less than 1 Month | N/A | 0 | 2 | 0 | 3 | 3 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 225 | 25 | FNMA 1005 | 0 | No | 0 | N/A | Borrower - Wage, Overtime and Bonus, Overtime and Bonus, Commission, Other, Subject Property Net Rental Income(Loss) if NOO, Other - 2 YRS Personal Tax Returns Verified, 1 YR W2 1099 Verified, Less than 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified, Lease Agreements Verified, 1040 Schedule E Verified | Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified, 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | US Patriot Act | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 78.86 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 15840328 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 33.65% | 33.65% | No | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 100.00% | 100.00% | N/A | 0 | N/A | Yes | 27 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.88 | Yes | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 15588514 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 49.24% | 49.24% | No | No | Not Employed | Self-Employed | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | Yes | Yes | 0 | 12 | 100.00% | 0.00% | 100.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - N/A, Other REO Net Rental Income(Loss) || Co Borrower - SESCorp - Business Bank Statements Verified | Borrower || Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 78.91 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 19518155 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 41.72% | 41.72% | No | Self-Employed | W2/1099 Verified | 1 | NA | N/A | 0 | 0 | 0 | 1 | 1 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SECorporation - 1 YR W2 1099 Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2024 | Borrower - 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.24 | Yes | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 18037317 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 32.57% | 32.57% | No | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | 0.00% | 100.00% | Audited | 12 | CPA | Yes | 12 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2025 | Borrower - 2025 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.88 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11414881 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 26.60% | 26.60% | No | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 100.00% | 100.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 64.58 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 16907497 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 47.90% | 47.90% | No | No | Employed | Employed | 2YR Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 3 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | Yes | Yes | 1 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 114 | 28 | Work Number | Yes | 44 | 27 | Work Number | No | 0 | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified || Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified, Personal Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified || Co Borrower - 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 79.82 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 13752541 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 41.50% | 41.50% | No | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | Audited | 12 | CPA | Yes | 31 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.99 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 10209253 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 40.22% | 40.22% | No | No | Self-Employed | Employed | 12 Month Bank Statement | 0 | 2 | NA | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 1 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | Yes | 0 | 0 | 60.10% | 100.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 36 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - SECorporation - CPA Letter Verified, 2 YRS Executed 4506T Verified, IRS Transcripts Verified, Business Bank Statements Verified || Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, IRS Transcripts Verified || Co Borrower - 2 YRS Executed 4506T Verified, IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 1 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 62.81 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 19333577 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 22.55% | 22.55% | No | No | Self-Employed | Self-Employed | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 1 | 0 | 1 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 49.00% | 51.00% | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 139 | Yes | 139 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - SEPartnership, Other REO Net Rental Income(Loss) - 1 YR Business Tax Returns Verified, CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified || Co Borrower - SEPartnership - 1 YR Business Tax Returns Verified, CPA Letter Verified, Business Bank Statements Verified | Borrower - 1 YR Business Tax Returns Verified, 3 YRS Executed 4506T Verified || Co Borrower - 1 YR Business Tax Returns Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 72.62 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12720929 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 29.62% | 29.62% | No | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | Audited | 12 | CPA | Yes | 243 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor, SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, Lease Agreements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 65.53 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12643838 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 42.64% | 42.64% | Yes | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 100.00% | 100.00% | N/A | 0 | N/A | Yes | 24 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.76 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 16078134 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0.00% | 0 | 0 | No | 0 | 0 | 0 | Yes | 1.406 | 1.474 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 70.0 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 17065949 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 27.81% | 27.81% | No | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 50.00% | Audited | 12 | CPA | Yes | 24 | No | NA | 0 | 0 | N/A | 0 | No | 0 | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 70.16 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 15295324 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 48.49% | 48.49% | No | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 100.00% | 100.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | Borrower - SESoleProprietor - Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 55.3 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 10764805 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 37.66% | 37.66% | No | Employed | 1YR Full Doc | 1 | 2+ Months | N/A | 0 | 0 | 1 | 2 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 30.49% | 0.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - Wage, Overtime and Bonus - 1 YR Business Tax Returns Verified, 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024 | Borrower - 1 YR Business Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 84.99 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 15029638 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 37.00% | 37.00% | No | Employed | 2YR Full Doc | 2 | 2+ Months | N/A | 0 | 0 | 0 | 3 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - Wage, Overtime and Bonus, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 67.75 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 15814086 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 42.32% | 42.32% | Yes | Yes | Employed | Employed | 2YR Full Doc | 2 | 1 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 24 | 17 | Work Number | Yes | 102 | 36 | Work Number | No | 0 | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 1 YR Executed 4506T Verified || Co Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 1 YR Executed 4506T Verified | Borrower - 1 YR Executed 4506T Verified || Co Borrower - 1 YR Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Permanent Resident Alien | Permanent Non-US Citizen | Real ID Driver's License | xxx | Mexico | xxx | I-551 Permanent Resident Card | xxx | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.02 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 19290593 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 43.93% | 43.93% | No | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 3 | 1 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | Third-Party Prepared (Unaudited) | 12 | CPA | Yes | 24 | No | NA | 0 | 0 | N/A | 0 | No | 0 | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 71.22 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 10486990 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 13.21% | 13.21% | No | Self-Employed | 24 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 24 | No | 100.00% | 80.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SECorporation, Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 73.95 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12098005 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 41.69% | 41.69% | Yes | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 57.92% | 100.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other - 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 59.12 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 18557521 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 38.29% | 38.29% | No | No | Self-Employed | Employed | 12 Month Bank Statement | 0 | 2 | NA | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | Yes | 0 | 0 | 0.00% | 100.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Business Bank Statements Verified || Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified || Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 72.16 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 19417791 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 40.50% | 40.50% | No | Employed | 1YR Full Doc | 1 | 2+ Months | N/A | 0 | 0 | 0 | 3 | 1 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - Wage - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 43.02 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11509384 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 41.46% | 41.46% | No | No | Employed | Employed | 2YR Full Doc | 2 | 2 | 2+ Months | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 85 | 12 | Work Number | Yes | 85 | 28 | FNMA 1005 | No | 0 | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified || Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified | Borrower - 3 YRS Executed 4506T Verified || Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | xxx | xxx | 7 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 82.88 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 16515815 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 41.31% | 41.31% | No | No | Employed | Employed | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 1 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 70 | 12 | Work Number | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - Wage, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, IRS Transcripts Verified || Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, IRS Transcripts Verified || Co Borrower - 3 YRS Executed 4506T Verified, IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.74 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11430316 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 49.45% | 49.45% | Yes | Employed | 2YR Full Doc | 2 | 2+ Months | N/A | 0 | 2 | 0 | 3 | 3 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 24 | 24 | Work Number | 0 | No | 0 | N/A | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified, 1040 Schedule E Verified | Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified, 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | xxx | 180 | 38 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 73.88 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 19458139 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 48.29% | 48.29% | No | No | Employed | Employed | 1YR Full Doc | 1 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 2 | 0 | 2 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 27 | 27 | FNMA 1005 | No | 0 | Borrower - Wage - 2 YRS Personal Tax Returns Verified, 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified || Co Borrower - Wage, Overtime and Bonus - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified | Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified || Co Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 89.35 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 17969478 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 32.16% | 32.16% | No | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 0.00% | 100.00% | N/A | 0 | N/A | Yes | 24 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SECorporation - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 62.9 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 19587471 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 45.00% | 45.00% | No | No | Self-Employed | Not Employed | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Yes | Yes | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 82.76% | 100.00% | 100.00% | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 240 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - SESoleProprietor, SSI and Disability - CPA Letter Verified, Award Letter Verified, Business Bank Statements Verified || Co Borrower - SSI and Disability - Award Letter Verified - 2025 | Borrower || Co Borrower - 2025 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Passport | xxx | United States | xxx | USA | xxx | N/A | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 60.58 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 18924252 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 41.19% | 41.19% | No | No | Self-Employed | Self-Employed | 1YR Full Doc | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 100.00% | 100.00% | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 60 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - 2024 || Co Borrower - SESoleProprietor - 1040 Schedule E Verified - 2024 | Borrower - 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - 2024 || Co Borrower - 1040 Schedule E Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 71.19 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 16020969 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 36.98% | 36.98% | No | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 100.00% | 100.00% | N/A | 0 | N/A | Yes | 278 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 77.99 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 10400980 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 17.23% | 17.23% | No | Self-Employed | 2YR Full Doc | 2 | NA | N/A | 0 | 0 | 2 | 2 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | Borrower - SESoleProprietor - 2 YRS Business Tax Returns Verified, 2 YRS W2 1099 Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - 2023 | Borrower - 2 YRS Business Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - 2023 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Enhanced Driver's License (MI, MN, NY, VT, WA) | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 70.73 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 19697561 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 49.66% | 49.66% | No | Self-Employed | 2YR Full Doc | 0 | NA | N/A | 0 | 1 | 2 | 2 | 1 | Yes | No | Yes | 6.0 | No | Yes | Yes | 1 | 0 | No | 0.00% | 100.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SEPartnership, SSI and Disability, Asset Depletion, Other - 1 YR Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 2 YRS Executed 4506T Verified, IRS Transcripts Verified, Award Letter Verified, Personal Bank Statements Verified | Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 2 YRS Executed 4506T Verified, IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 27.45 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 17917785 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 47.97% | 47.97% | No | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 100.00% | 100.00% | N/A | 0 | N/A | Yes | 192 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.82 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 17848066 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 9.84% | 9.84% | No | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 100.00% | 100.00% | N/A | 0 | N/A | Yes | 60 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 42.88 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11457931 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 26.59% | 26.59% | No | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 100.00% | 100.00% | N/A | 0 | N/A | Yes | 181 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 70.88 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 15353253 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 37.24% | 37.24% | No | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | Third-Party Prepared (Unaudited) | 12 | CPA | Yes | 24 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SECorporation - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 66.18 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 13502161 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0.00% | 0 | 0 | No | 0 | 0 | 0 | Yes | 1.449 | 1.448 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 70.0 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 17148022 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0.00% | 0 | 0 | No | 0 | 0 | 0 | Yes | 1.238 | 1.238 | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 70.0 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12024558 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0.00% | 0 | 0 | No | 0 | 0 | 0 | Yes | 1.037 | 0.951 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 59.44 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 15745868 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0.00% | 0 | 0 | No | 0 | 0 | 0 | Yes | 1.001 | 1.001 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 59.69 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 17652766 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 47.87% | 47.87% | No | No | Self-Employed | Self-Employed | 24 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 24 | Yes | Yes | 0 | 24 | 100.00% | 51.00% | 49.00% | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 60 | Yes | 60 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - SEPartnership - CPA Letter Verified, Business Bank Statements Verified || Co Borrower - SEPartnership - CPA Letter Verified, Business Bank Statements Verified | Borrower || Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.64 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 19048646 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 19.18% | 19.18% | No | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 0.00% | 100.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 61.32 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 15078760 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 30.07% | 30.07% | No | No | Employed | Employed | 2YR Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 8 | 8 | FNMA 1005 | Yes | 90 | 15 | FNMA 1005 | No | 0 | N/A | Borrower - Wage, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified || Co Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified || Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 89.87 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 13260906 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 33.34% | 33.34% | No | No | Self-Employed | Not Employed | 1YR Full Doc | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 1 | 1 | 1 | 0 | 3 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 95.00% | 0.00% | Borrower Prepared | 12 | Borrower | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - SEPartnership, Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - 2023 || Co Borrower - N/A - 1 YR Personal Tax Returns Verified | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - 2023 || Co Borrower - 1 YR Personal Tax Returns Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 64.96 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 16512924 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 19.89% | 19.89% | No | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 0.00% | 90.00% | N/A | 0 | N/A | Yes | 24 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 73.6 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 18741493 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 20.42% | 20.42% | No | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 100.00% | 50.00% | N/A | 0 | N/A | Yes | 156 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SEPartnership, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 62.4 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 18748602 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 26.87% | 26.87% | No | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 100.00% | 100.00% | N/A | 0 | N/A | Yes | 72 | No | NA | 0 | 0 | N/A | 0 | No | 0 | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.87 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 19933502 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 35.15% | 35.15% | No | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | 0.00% | 100.00% | Audited | 12 | CPA | Yes | 24 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.98 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11278892 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 41.32% | 41.32% | Yes | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 100.00% | 100.00% | N/A | 0 | N/A | Yes | 60 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.97 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 10464421 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 48.48% | 48.48% | No | No | Employed | Employed | 2YR Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | Yes | NA | No | Yes | 84.0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 5 | 5 | Other | No | 0 | N/A | Borrower - Wage, Wage, Wage, Asset Depletion, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified || Co Borrower - Wage, Asset Depletion - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified || Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 70.0 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 10148114 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 33.98% | 33.98% | No | Employed | 2YR Full Doc | 2 | 2+ Months | N/A | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 28 | 28 | FNMA 1005 | 0 | No | 0 | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.12 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 16336671 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 42.51% | 42.51% | No | Employed | 2YR Full Doc | 2 | 2+ Months | N/A | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.93 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12104113 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 32.40% | 32.40% | No | No | Employed | Employed | 2YR Full Doc | 2 | 2 | 2+ Months | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified || Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified || Co Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 89.62 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 14306572 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 33.09% | 33.09% | No | No | Employed | Employed | 2YR Full Doc | 2 | 2 | NA | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 3 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 74 | 26 | FNMA 1005 | Yes | 77 | 27 | FNMA 1005 | No | 0 | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified || Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified || Co Borrower - 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 77.77 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12071525 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 48.04% | 48.04% | Yes | Yes | Employed | Employed | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 2 | 0 | 2 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 76 | 27 | Work Number | Yes | 34 | 27 | Work Number | No | 0 | N/A | Borrower - Wage, Overtime and Bonus, Other, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified || Co Borrower - Wage, Overtime and Bonus, Other - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified || Co Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 64.22 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 16431875 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 35.78% | 35.78% | No | Employed | 2YR Full Doc | 2 | 1 Month | N/A | 0 | 0 | 0 | 3 | 3 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 80.0 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 14103170 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 2.26% | 2.26% | No | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 100.00% | 100.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 64.78 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 16366253 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 43.98% | 43.98% | Yes | Yes | Employed | Employed | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 5 | 5 | Work Number | NA | 0 | 0 | N/A | No | 0 | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified || Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified || Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.99 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 10701773 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 46.46% | 46.46% | No | Employed | 1YR Full Doc | 0 | NA | N/A | 0 | 1 | 0 | 3 | 2 | NA | No | Yes | 84.0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 24 | 28 | Work Number | 0 | No | 0 | N/A | Borrower - Wage, Overtime and Bonus, Asset Depletion, Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Lease Agreements Verified, 1040 Schedule E Verified | Borrower - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 34.57 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 18101471 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0.00% | 0 | 0 | No | 0 | 0 | 0 | Yes | 1.564 | 1.564 | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 46.42 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11912306 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 43.01% | 43.01% | Yes | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 100.00% | 100.00% | N/A | 0 | N/A | Yes | 120 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified, Lease Agreements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.99 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 14555520 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 19.66% | 19.66% | No | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | Audited | 12 | CPA | Yes | 168 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 57.58 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 18089007 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 34.93% | 34.93% | Yes | Employed | 2YR Full Doc | 2 | 2+ Months | N/A | 0 | 0 | 0 | 2 | 1 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 51 | 27 | FNMA 1005 | 0 | No | 0 | N/A | Borrower - Wage, Wage, Wage, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, IRS Transcripts Verified, 1040 Schedule E Verified | Borrower - 2 YRS Executed 4506T Verified, IRS Transcripts Verified, 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 43.74 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 13554218 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 43.84% | 43.84% | Yes | Yes | Self-Employed | Self-Employed | 2YR Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 5 | 5 | Work Number | Yes | 185 | 28 | FNMA 1005 | No | 0 | Borrower - Wage, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified || Co Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified || Co Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 76.46 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11367735 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 40.60% | 40.60% | No | No | Self-Employed | Self-Employed | 24 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 24 | Yes | Yes | 0 | 24 | 100.00% | 100.00% | 100.00% | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | Yes | 24 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - SESCorp, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified || Co Borrower - SESCorp - CPA Letter Verified, Business Bank Statements Verified | Borrower || Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.74 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 19165195 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 21.91% | 21.91% | No | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | Audited | 12 | CPA | Yes | 36 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 65.0 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 14815954 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 47.60% | 47.60% | No | No | 1 | 5 | 3 | Not Employed | Employed | Employed | 12.80 | 2YR Full Doc | 0 | 2 | NA | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 1 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - N/A - 3 YRS Executed 4506T Verified || Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified || Co Borrower 2 - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified || Co Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified || Co Borrower 2 - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.99 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 13687420 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 37.00% | 37.00% | No | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | Third-Party Prepared (Unaudited) | 12 | CPA | Yes | 40 | No | NA | 0 | 0 | N/A | 0 | No | 0 | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.97 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 15373810 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 48.03% | 48.03% | No | Employed | 2YR Full Doc | 2 | 2+ Months | N/A | 0 | 0 | 0 | 3 | 3 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 110 | 27 | FNMA 1005 | 0 | No | 0 | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.89 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 13437980 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 31.04% | 31.04% | No | No | Employed | Employed | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 43 | 28 | Work Number | No | 0 | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified || Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified || Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 77.76 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 17701210 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 43.85% | 43.85% | No | Retired | 1YR Full Doc | 0 | NA | N/A | 0 | 0 | 0 | 3 | 1 | Yes | No | No | 0 | No | No | N/A | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SSI and Disability - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, Award Letter Verified - 2025 | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2025 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 58.85 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 10087425 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 39.17% | 39.17% | No | Employed | 2YR Full Doc | 2 | 2+ Months | N/A | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 49.2 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 18127831 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 41.36% | 41.36% | No | Employed | 2YR Full Doc | 2 | 1 Month | N/A | 0 | 0 | 0 | 2 | 1 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.75 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 16243693 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 40.00% | 40.00% | No | Self-Employed | 2YR Full Doc | 0 | NA | N/A | 0 | 2 | 2 | 3 | 1 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | Third-Party Prepared (Unaudited) | 12 | CPA | Yes | 73 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor, SESCorp, Subject Property Net Rental Income(Loss) if NOO - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified, IRS Transcripts Verified | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 3 YRS Executed 4506T Verified, IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 47.06 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 13466620 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 40.67% | 40.67% | No | Employed | 1YR Full Doc | 1 | 2+ Months | N/A | 0 | 0 | 0 | 2 | 1 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 175 | 27 | Work Number | 0 | No | 0 | N/A | Borrower - Wage - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 60.58 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 15986945 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 41.08% | 41.08% | No | Employed | 2YR Full Doc | 2 | 2+ Months | N/A | 0 | 0 | 0 | 3 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 63.51 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 10205540 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 43.35% | 43.35% | No | No | Employed | Not Employed | 2YR Full Doc | 2 | 0 | 2+ Months | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified || Co Borrower | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified || Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 49.71 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 19589318 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 41.60% | 41.60% | No | No | Employed | Employed | 2YR Full Doc | 2 | 2 | 2+ Months | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 261 | 27 | Work Number | Yes | 262 | 27 | Work Number | No | 0 | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified || Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified || Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 78.77 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11053305 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 40.53% | 40.53% | No | Employed | 1YR Full Doc | 1 | 1 Month | N/A | 0 | 0 | 0 | 3 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 360 | 28 | Work Number | 0 | No | 0 | N/A | Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 47.23 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11725648 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 40.19% | 40.19% | No | No | Self-Employed | Self-Employed | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 50.00% | 50.00% | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | Yes | 24 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - SECorporation - CPA Letter Verified, Business Bank Statements Verified || Co Borrower - SECorporation - CPA Letter Verified, Business Bank Statements Verified | Borrower || Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 54.8 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11068704 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 49.14% | 49.14% | No | Employed | 2YR Full Doc | 2 | 2+ Months | N/A | 0 | 0 | 0 | 2 | 2 | Yes | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | Borrower - Wage, Military and Government Assistance, Military and Government Assistance - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.87 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 14940931 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 43.36% | 43.36% | No | No | Employed | Self-Employed | 2YR Full Doc | 2 | 0 | 2+ Months | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 100.00% | N/A | 0 | N/A | Audited | Accountant/Bookkeeper | 15 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - Wage, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified || Co Borrower - SESoleProprietor - YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified || Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 67.56 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11250616 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 32.15% | 32.15% | No | No | Employed | Employed | 2YR Full Doc | 2 | 2 | 1 Month | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 227 | 27 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified || Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified || Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 66.66 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 14230541 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0.00% | 0 | 0 | No | 0 | 0 | 0 | Yes | 1.313 | 1.588 | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 44.5 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11182366 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 38.49% | 38.49% | No | No | Employed | Employed | 2YR Full Doc | 2 | 2 | 2+ Months | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 360 | 28 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - Wage, Commission - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified || Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified || Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 64.76 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12349430 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0.00% | 0 | 0 | No | 0 | 0 | 0 | Yes | 1.0 | 1.0 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | Permanent Resident Alien | Real ID Driver's License | xxx | United States | xxx | I-151 Permanent Resident Card | xxx | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 65.34 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 13244314 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 47.15% | 47.15% | No | No | Employed | Employed | 2YR Full Doc | 2 | 2 | 2+ Months | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 70 | 27 | FNMA 1005 | Yes | 70 | 27 | FNMA 1005 | No | 0 | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified || Co Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified || Co Borrower - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.63 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 13436061 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 36.47% | 36.47% | No | Employed | 2YR Full Doc | 2 | 2+ Months | N/A | 0 | 2 | 0 | 2 | 1 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - Wage, Wage, Wage, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, IRS Transcripts Verified, 1040 Schedule E Verified | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, IRS Transcripts Verified, 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 89.88 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 14917543 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0.00% | 0 | 0 | No | 0 | 0 | 0 | Yes | 1.003 | 1.003 | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | Permanent Resident Alien | Real ID Driver's License | xxx | Jamaica | xxx | I-551 Permanent Resident Card | xxx | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 80.0 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 15045124 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 31.81% | 31.81% | Yes | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 100.00% | 100.00% | N/A | 0 | N/A | Yes | 194 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor, SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024 | Borrower - 3 YRS Executed 4506T Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.71 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 15856109 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 31.72% | 31.72% | No | No | Self-Employed | Employed | 2YR Full Doc | 2 | 2 | 2+ Months | NA | N/A | 0 | N/A | 0 | 2 | 1 | 2 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 100.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - SESCorp - 2 YRS Personal Tax Returns Verified, 1 YR Business Tax Returns Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified - 2024 || Co Borrower - Wage - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 2 YRS Executed 4506T Verified | Borrower - 2 YRS Personal Tax Returns Verified, 1 YR Business Tax Returns Verified, 2 YRS Executed 4506T Verified - 2024 || Co Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.8 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 17596955 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | Monthly | 0.00% | 0.00% | 0.00% | Yes | Yes | Unknown | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0 | 0 | 0.00% | 0.00% | 0.00% | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | 0 | Yes | 1.235 | 1.0 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified || Co Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.99 | Yes | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11915383 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 31.92% | 31.92% | Yes | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 100.00% | 100.00% | N/A | 0 | N/A | Yes | 24 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor, SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024 | Borrower - 3 YRS Executed 4506T Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 70.98 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 15926618 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 42.50% | 42.50% | No | No | Employed | Not Employed | 2YR Full Doc | 2 | 0 | 2+ Months | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified || Co Borrower - 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified || Co Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.69 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 19699553 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 39.71% | 39.71% | No | No | Employed | Employed | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 14 | 24 | Work Number | No | 0 | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified || Co Borrower - Wage, Commission - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified || Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 80.0 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 15436070 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 49.36% | 49.36% | No | No | Employed | Employed | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 17 | 17 | Work Number | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified || Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified || Co Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 72.69 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 16253130 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 14.28% | 14.28% | No | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 100.00% | 100.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.24 | Yes | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 18783962 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 24.02% | 24.02% | No | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 100.00% | 40.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SECorporation - Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 64.58 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 18852979 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 43.34% | 43.34% | No | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | Third-Party Prepared (Unaudited) | 12 | CPA | Yes | 36 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | .00 | 0 | No | 69.76 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 15346668 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 47.56% | 47.56% | No | No | Employed | Employed | 2YR Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 73 | 29 | FNMA 1005 | Yes | 76 | 29 | FNMA 1005 | No | 0 | N/A | Borrower - Wage, Overtime and Bonus, Wage, Other REO Net Rental Income(Loss), Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified || Co Borrower - Wage, Overtime and Bonus, Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified | Borrower || Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 64.11 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 10408411 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0.00% | 0 | 0 | No | 0 | 0 | 0 | Yes | 1.446 | 1.446 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.81 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 13630448 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 27.59% | 27.59% | No | Self-Employed | 24 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 24 | No | 100.00% | 100.00% | N/A | 0 | N/A | Yes | 24 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor, SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 72.45 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 19124701 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 49.56% | 49.56% | No | Employed | 2YR Full Doc | 2 | 1 Month | N/A | 0 | 2 | 0 | 0 | 1 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | 0.00% | 100.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 24 | 27 | FNMA 1005 | 0 | No | 0 | Borrower - Wage, Overtime and Bonus, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, IRS Transcripts Verified, Missing Lease Agreements Verified, 1040 Schedule E Verified | Borrower - 2 YRS Personal Tax Returns Verified, IRS Transcripts Verified, 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.69 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 17546688 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 31.76% | 31.76% | No | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 100.00% | 100.00% | N/A | 0 | N/A | Yes | 24 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 79.91 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12101279 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 17.54% | 17.54% | No | No | Self-Employed | Not Employed | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified || Co Borrower - 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified || Co Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 60.18 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11117440 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 27.21% | 27.21% | No | No | Self-Employed | Employed | 2YR Full Doc | 2 | 2 | NA | 1 Month | N/A | 0 | N/A | 0 | 1 | 2 | 1 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 100.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 12 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - SESCorp - 1 YR Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, CPA Letter Verified, 2 YRS W2 1099 Verified, 3 YRS Executed 4506T Verified || Co Borrower - Wage - 1 YR Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified | Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 3 YRS Executed 4506T Verified || Co Borrower - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 60.71 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 14019170 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 32.33% | 32.33% | No | No | Self-Employed | Not Employed | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% | Third-Party Prepared (Unaudited) | 12 | CPA | N/A | N/A | 0 | Yes | 36 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified || Co Borrower - 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified || Co Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | Permanent Resident Alien | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | xxx | Permanent Resident Alien | Permanent Resident Alien | Real ID Driver's License | xxx | United States | xxx | I-151 Permanent Resident Card | xxx | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.81 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 14479238 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 37.76% | 37.76% | No | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | Audited | 12 | CPA | Yes | 24 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.99 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 19354833 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0.00% | 0 | 0 | No | 0 | 0 | 0 | Yes | 1.698 | 1.698 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 53.18 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 18925109 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 39.87% | 39.87% | No | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | Third-Party Prepared (Unaudited) | 12 | CPA | Yes | 24 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 63.74 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 18986439 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 32.45% | 32.45% | No | Employed | 2YR Full Doc | 2 | 1 Month | N/A | 0 | 0 | 0 | 2 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 360 | 28 | FNMA 1005 | 0 | No | 0 | N/A | Borrower - Commission - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 33.87 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 18786301 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0.00% | 0 | 0 | No | 0 | 0 | 0 | Yes | 0.997 | 0.87 | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 62.65 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12175215 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 44.82% | 44.82% | No | Employed | 2YR Full Doc | 2 | 1 Month | N/A | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 84.78 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 18016369 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 27.56% | 27.56% | No | Employed | 2YR Full Doc | 2 | 1 Month | N/A | 0 | 0 | 0 | 3 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 91 | 27 | Work Number | 0 | No | 0 | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 46.75 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 19698993 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 41.80% | 41.80% | No | Employed | 2YR Full Doc | 2 | 2+ Months | N/A | 0 | 0 | 0 | 0 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 313 | 28 | Other | 0 | No | 0 | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 66.95 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11993949 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 41.98% | 41.98% | No | No | Employed | Employed | 2YR Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified || Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified || Co Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 71.67 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 15585066 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 49.16% | 49.16% | No | Employed | 2YR Full Doc | 2 | 2+ Months | N/A | 0 | 0 | 0 | 3 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.85 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 10121475 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 37.45% | 37.45% | No | No | Employed | Employed | 2YR Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified || Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified || Co Borrower - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.25 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 16380875 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 48.39% | 48.39% | No | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | 0.00% | 100.00% | Third-Party Prepared (Unaudited) | 15 | Tax Preparer | Yes | 24 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 64.49 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 18690794 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 37.46% | 37.46% | No | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 0.00% | 100.00% | N/A | 0 | N/A | Yes | 36 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SECorporation - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 70.0 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 18129599 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 48.21% | 48.21% | No | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 100.00% | 100.00% | N/A | 0 | N/A | Yes | 72 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESCorp, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 50.76 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 10854784 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 45.90% | 45.90% | No | Employed | 1YR Full Doc | 1 | 1 Month | N/A | 0 | 0 | 0 | 1 | 1 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 13 | 13 | Work Number | 0 | No | 0 | N/A | Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.93 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11169185 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 42.33% | 42.33% | No | Employed | 2YR Full Doc | 2 | 2+ Months | N/A | 0 | 0 | 0 | 2 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 71.36 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 13354973 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 47.68% | 47.68% | No | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 100.00% | 100.00% | N/A | 0 | N/A | Yes | 24 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 81.3 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 14619617 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 41.19% | 41.19% | No | No | Self-Employed | Self-Employed | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | N/A | 0 | 12 | Yes | N/A | 0 | 12 | 100.00% | 100.00% | 100.00% | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 35 | Yes | 37 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified || Co Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified || Co Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 68.6 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 17507716 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 23.82% | 23.82% | No | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 100.00% | 100.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 58.59 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 10099967 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 44.31% | 44.31% | No | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 100.00% | 95.00% | N/A | 0 | N/A | Yes | 155 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - 2024 | Borrower - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | Permanent Resident Alien | N/A | Real ID Driver's License | xxx | United States | xxx | I-151 Permanent Resident Card | xxx | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 71.77 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 10256461 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 38.07% | 38.07% | No | Retired | Full Documentation | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | Yes | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - Retirement, Other REO Net Rental Income(Loss) - Award Letter Verified - 2025 | Borrower - 2025 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 57.36 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 13409063 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 33.30% | 33.30% | Yes | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 100.00% | 30.00% | N/A | 0 | N/A | Yes | 49 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified, Lease Agreements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.99 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 18493126 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 47.94% | 47.94% | No | No | Self-Employed | Self-Employed | 1YR Full Doc | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 1 | 0 | 1 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - SESoleProprietor - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified || Co Borrower - SESoleProprietor - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified | Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified || Co Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 89.86 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 10440327 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 42.35% | 42.35% | No | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 3 | 0 | Yes | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 71.89% | 100.00% | N/A | 0 | N/A | Yes | 24 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor, Retirement - CPA Letter Verified, 3 YRS Executed 4506T Verified, Award Letter Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 37.28 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 14454760 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | Monthly | 0.00% | 0.00% | 0.00% | Yes | Yes | Unknown | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0 | 0 | 0.00% | 0.00% | 0.00% | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | 0 | Yes | 1.007 | 1.007 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified || Co Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 52.92 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 17476367 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 37.08% | 37.08% | No | No | Self-Employed | Employed | 1YR Business P&L | 0 | 2 | NA | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 100.00% | 0.00% | Audited | 15 | CPA | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified || Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified || Co Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 66.5 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 14786503 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 34.82% | 34.82% | No | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 100.00% | 50.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor, SESoleProprietor, Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | Permanent Resident Alien | N/A | Other | USA Patriot Act | xxx | Israel | xxx | I-151 Permanent Resident Card | xxx | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 63.88 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 18347062 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 17.21% | 17.21% | No | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 100.00% | 100.00% | N/A | 0 | N/A | Yes | 103 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.69 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 19046210 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 36.14% | 36.14% | No | Employed | 2YR Full Doc | 2 | 1 Month | N/A | 0 | 0 | 0 | 3 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 32.01 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12745747 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 46.49% | 46.49% | No | No | Employed | Employed | 2YR Full Doc | 2 | 0 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 2 | 0 | 0 | 3 | 1 | Yes | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 100.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 305 | 28 | Work Number | No | 0 | N/A | Borrower - Wage, SSI and Disability, Other, Other, Retirement, Other, SEPartnership - 2 YRS Business Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, IRS Transcripts Verified, Award Letter Verified || Co Borrower - Wage, SSI and Disability - 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, IRS Transcripts Verified | Borrower - 2 YRS Business Tax Returns Verified, 3 YRS Executed 4506T Verified, IRS Transcripts Verified || Co Borrower - 3 YRS Executed 4506T Verified, IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | 0 | No | 60.18 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11904096 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 26.96% | 26.96% | No | No | Employed | Employed | 1YR Full Doc | 1 | 1 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 3 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 21 | 29 | Work Number | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - Wage - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified || Co Borrower - Wage - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified || Co Borrower - 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 83.61 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11626222 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 43.97% | 43.97% | No | Employed | 2YR Full Doc | 2 | 2+ Months | N/A | 0 | 0 | 0 | 3 | 1 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 84 | 27 | FNMA 1005 | 0 | No | 0 | N/A | Borrower - Wage, Overtime and Bonus, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 68.32 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 19697596 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 41.03% | 41.03% | No | Employed | 1YR Full Doc | 1 | Less than 1 Month | N/A | 0 | 0 | 0 | 3 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 74 | 27 | FNMA 1005 | 0 | No | 0 | Borrower - Wage, Overtime and Bonus, Overtime and Bonus - 1 YR W2 1099 Verified, Less than 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 84.99 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 16454329 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 24.28% | 24.28% | No | Employed | 2YR Full Doc | 2 | 2+ Months | N/A | 0 | 0 | 0 | 3 | 1 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 50 | 27 | Work Number | 0 | No | 0 | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 89.97 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 17385827 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 30.58% | 30.58% | No | Employed | 2YR Full Doc | 2 | 2+ Months | N/A | 0 | 0 | 0 | 3 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 53 | 53 | Work Number | 0 | No | 0 | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 67.62 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 16285476 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 38.39% | 38.39% | No | Employed | 2YR Full Doc | 2 | 1 Month | N/A | 0 | 0 | 0 | 3 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 137 | 27 | FNMA 1005 | 0 | No | 0 | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.47 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 13498923 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 42.04% | 42.04% | No | Employed | 2YR Full Doc | 2 | 1 Month | N/A | 0 | 0 | 0 | 3 | 1 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 127 | 28 | Work Number | 0 | No | 0 | N/A | Borrower - Wage, Wage, Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 80.0 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12939319 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 35.69% | 35.69% | No | Employed | 2YR Full Doc | 2 | 1 Month | N/A | 0 | 0 | 0 | 3 | 3 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 154 | 27 | FNMA 1005 | 0 | No | 0 | N/A | Borrower - Wage, Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 62.69 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 19589611 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 22.38% | 22.38% | Yes | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 100.00% | 100.00% | N/A | 0 | N/A | Yes | 24 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | Permanent Resident Alien | N/A | Real ID Driver's License | xxx | United States | xxx | Missing | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 77.9 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 16722031 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 48.47% | 48.47% | No | Employed | 2YR Full Doc | 2 | 2+ Months | N/A | 0 | 0 | 0 | 2 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 1 | 93 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 89.96 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 16462074 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 44.92% | 44.92% | No | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | Audited | 12 | CPA | Yes | 24 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 54.88 | Yes | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11015785 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 48.30% | 48.30% | No | No | Employed | Employed | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified || Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified || Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Enhanced Driver's License (MI, MN, NY, VT, WA) | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Enhanced Driver's License (MI, MN, NY, VT, WA) | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 75.0 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 16644456 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 35.87% | 35.87% | Yes | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | Audited | 12 | CPA | Yes | 24 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.81 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 15837192 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 30.03% | 30.03% | No | Employed | 2YR Full Doc | 2 | 2+ Months | N/A | 0 | 0 | 0 | 2 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 342 | 27 | Other | 0 | No | 0 | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 85.0 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 17475972 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 29.10% | 29.10% | No | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 0.00% | 100.00% | N/A | 0 | N/A | Yes | 60 | No | NA | 0 | 0 | N/A | 0 | No | 0 | No | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 80.0 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 18744451 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 22.03% | 22.03% | No | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 0.00% | 100.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | 0 | No | 73.1 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 14274503 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0.00% | 0 | 0 | No | 0 | 0 | 0 | Yes | 1.154 | 1.154 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 64.27 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 17742508 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 41.34% | 41.34% | No | No | Not Employed | Not Employed | 2YR Full Doc | 2 | 2 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - Retirement, SSI and Disability - 2 YRS W2 1099 Verified, Executed 4506T Verified || Co Borrower - SSI and Disability - 2 YRS W2 1099 Verified, Executed 4506T Verified | Borrower - Executed 4506T Verified || Co Borrower - Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 0 | 96 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 30.09 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 14079071 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 39.43% | 39.43% | Yes | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 1 | 0 | No | 0.00% | 100.00% | Third-Party Prepared (Unaudited) | 12 | Tax Preparer | Yes | 24 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified, Personal Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 64.37 | Yes | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 18231759 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 26.87% | 26.87% | No | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | Audited | 14 | CPA | Yes | 220 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 54.22 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 10819636 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 43.14% | 43.14% | No | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | Audited | 12 | CPA | Yes | 24 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 40.21 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 10446512 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | Annually | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0.00% | 0 | 0 | No | 0 | 0 | 0 | Yes | 1.02 | 1.0 | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 64.84 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 13216642 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 48.05% | 48.05% | Yes | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | Third-Party Prepared (Unaudited) | 12 | Tax Preparer | Yes | 24 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.83 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 13816374 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 1.30% | 1.30% | No | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 100.00% | 100.00% | N/A | 0 | N/A | Yes | 24 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | 0 | No | 84.88 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 19860100 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 22.23% | 22.23% | Yes | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 100.00% | 100.00% | N/A | 0 | N/A | Yes | 120 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.98 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11865622 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 40.24% | 40.24% | No | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | Audited | 12 | CPA | Yes | 84 | No | NA | 0 | 0 | N/A | 0 | No | 0 | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 53.8 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12751613 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 31.77% | 31.77% | No | No | Self-Employed | Not Employed | 2YR Full Doc | 2 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 2 | 0 | 0 | 2 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% | Third-Party Prepared (Unaudited) | 15 | CPA | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - SESCorp - 2 YRS Business Tax Returns Verified, CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS W2 1099 Verified, 2 YRS Executed 4506T Verified, IRS Transcripts Verified, 1040 Schedule E Verified || Co Borrower | Borrower - 2 YRS Business Tax Returns Verified, 2 YRS Executed 4506T Verified, IRS Transcripts Verified, 1040 Schedule E Verified || Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 48.1 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11258680 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 15.02% | 15.02% | No | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 0.00% | 100.00% | N/A | 0 | N/A | Yes | 110 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 63.87 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 17761423 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 33.35% | 33.35% | No | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 100.00% | 100.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESCorp - Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | Permanent Resident Alien | Real ID Driver's License | xxx | United States | xxx | I-551 Permanent Resident Card | xxx | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.71 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11640616 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0.00% | Stocks/Bonds | 0 | 0 | No | 0 | 0 | 0 | Yes | 1.302 | 1.28 | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 69.89 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 17801558 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 41.52% | 41.52% | Yes | Employed | 2YR Full Doc | 0 | 2+ Months | N/A | 0 | 2 | 0 | 3 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO - 2 YRS Personal Tax Returns Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified | Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 43.91 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 16986429 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 39.49% | 39.49% | Yes | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | Audited | 12 | CPA | Yes | 108 | No | NA | 0 | 0 | N/A | 0 | No | 0 | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 68.98 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 19913108 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 39.42% | 39.42% | No | No | Employed | Employed | 1YR Full Doc | 1 | 2 | 1 Month | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 39 | 28 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified || Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified || Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.59 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 18276058 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 40.47% | 40.47% | No | No | Employed | Employed | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 15 | 15 | Work Number | Yes | 264 | 28 | Work Number | No | 0 | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified || Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified || Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 57.02 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 15903646 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 4.00% | 4.00% | No | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 16 | No | 100.00% | 100.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor, SESoleProprietor, Other REO Net Rental Income(Loss) - Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Passport | xxx | United States | xxx | USA | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 59.9 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 15205486 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 33.73% | 33.73% | No | No | Employed | Employed | 2YR Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 3 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 285 | 285 | Work Number | No | 0 | Borrower - Wage, Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified || Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified || Co Borrower - 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 76.3 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11295788 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 29.67% | 29.67% | No | No | Employed | Self-Employed | 2YR Full Doc | 2 | 0 | 2+ Months | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 100.00% | N/A | 0 | N/A | Borrower Prepared | Borrower | 15 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified || Co Borrower - SESoleProprietor - YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified || Co Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 89.75 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 14736015 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 46.83% | 46.83% | No | Retired | 2YR Full Doc | 2 | NA | N/A | 0 | 0 | 0 | 2 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - Retirement, SSI and Disability, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 89.89 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 17681369 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 41.20% | 41.20% | No | No | Employed | Employed | 1YR Full Doc | 1 | 1 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - Wage - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified || Co Borrower - Wage - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified || Co Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.56 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 13690304 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 45.47% | 45.47% | No | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 100.00% | 100.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act Disclosure | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.77 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 18049024 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 10.67% | 10.67% | Yes | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 100.00% | 100.00% | N/A | 0 | N/A | Yes | 112 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 72.01 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 19498835 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 41.13% | 41.13% | No | No | Employed | Retired | 1YR Full Doc | 1 | 0 | 2+ Months | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | Borrower - Wage - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified - 2025 || Co Borrower - Retirement, SSI and Disability - 2 YRS Executed 4506T Verified - 2024 | Borrower - 2 YRS Executed 4506T Verified - 2025 || Co Borrower - 2 YRS Executed 4506T Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 64.55 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 17246585 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx | $0.00 | 0.00% | 26.25% | 26.25% | No | Employed | 1YR Full Doc | 1 | 1 Month | N/A | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 41 | 29 | Work Number | 0 | No | 0 | N/A | Borrower - Wage, Overtime and Bonus, Overtime and Bonus, Other REO Net Rental Income(Loss) - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 85.0 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 19705211 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 42.25% | 42.25% | No | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 100.00% | 100.00% | N/A | 0 | N/A | Yes | 24 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 46.6 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 16862895 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 45.24% | 45.24% | No | Employed | 2YR Full Doc | 2 | 1 Month | N/A | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 83.4 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 17823654 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 40.84% | 40.84% | No | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 100.00% | 100.00% | N/A | 0 | N/A | Yes | 60 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SECorporation - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 76.73 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 17705140 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 29.57% | 29.57% | No | No | Employed | Employed | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS IRS Transcripts Verified || Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS IRS Transcripts Verified - 2025 | Borrower - 2 YRS IRS Transcripts Verified || Co Borrower - 2 YRS IRS Transcripts Verified - 2025 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 70.52 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 19398401 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 49.72% | 49.72% | No | Employed | 2YR Full Doc | 2 | 2+ Months | N/A | 0 | 0 | 0 | 2 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 268 | 28 | FNMA 1005 | 0 | No | 0 | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.75 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 14834834 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 40.84% | 40.84% | No | No | Employed | Employed | 1YR Full Doc | 1 | 1 | 1 Month | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 148 | 29 | Work Number | No | 0 | Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified || Co Borrower - Wage, Overtime and Bonus - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified || Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 65.86 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12385938 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0.00% | 0 | 0 | No | 0 | 0 | 0 | Yes | 1.004 | 1.004 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 59.51 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 17396764 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 9.93% | 9.93% | No | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | N/A | 0 | 12 | No | 100.00% | 100.00% | N/A | 0 | N/A | Yes | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | Yes | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 89.38 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 15432250 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 49.84% | 49.84% | No | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 100.00% | 100.00% | N/A | 0 | N/A | Yes | 75 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | Non Permanent Resident Alien | Other | xxx | Pakistan | xxx | Work Visa | xxx | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 64.99 | Yes | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 15858324 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 31.65% | 31.65% | No | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 27.28% | Audited | 12 | CPA | Yes | 12 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.93 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 15824237 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 37.07% | 37.07% | No | Employed | 2YR Full Doc | 2 | 2+ Months | N/A | 0 | 0 | 0 | 2 | 1 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 3 | 4 | Work Number | 0 | No | 0 | N/A | Borrower - Wage, Other - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 51.33 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 14527575 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 49.15% | 49.15% | No | Self-Employed | 1YR Full Doc | 0 | NA | N/A | 0 | 0 | 0 | 1 | 1 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | N/A | 0 | N/A | Yes | 36 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 1 YR Executed 4506T Verified, IRS Transcripts Verified, 1040 Schedule E Verified - 2023 | Borrower - 1 YR Executed 4506T Verified, IRS Transcripts Verified, 1040 Schedule E Verified - 2023 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 89.4 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 17722744 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 39.00% | 39.00% | Yes | Yes | Self-Employed | Employed | 2YR Full Doc | 0 | 2 | NA | 2+ Months | N/A | 0 | N/A | 0 | 2 | 2 | 2 | 2 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 95.00% | 5.00% | Third-Party Prepared (Unaudited) | 15 | Tax Preparer | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - SESCorp, SESCorp, Subject Property Net Rental Income(Loss) if NOO - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified || Co Borrower - SESCorp, Wage - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified || Co Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.53 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 18128073 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 23.73% | 23.73% | No | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | N/A | 0 | 14 | No | 100.00% | 100.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | Borrower - SECorporation - Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.94 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11176264 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 48.81% | 48.81% | No | Employed | 2YR Full Doc | 2 | 1 Month | N/A | 0 | 2 | 0 | 3 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 1040 Schedule E Verified | Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 38.08 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11766032 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 19.46% | 19.46% | No | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | Third-Party Prepared (Unaudited) | 12 | Accountant/Bookkeeper | Yes | 24 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 65.76 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12895988 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 23.85% | 23.85% | Yes | Employed | 2YR Full Doc | 2 | 2+ Months | N/A | 0 | 2 | 0 | 3 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - Wage, Wage, Subject Property Net Rental Income(Loss) if NOO - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 1040 Schedule E Verified | Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.73 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 15376607 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 43.43% | 43.43% | No | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | Audited | 13 | Tax Preparer | Yes | 60 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.74 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 10047471 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 49.18% | 49.18% | No | No | Self-Employed | Not Employed | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified || Co Borrower - 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified || Co Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 38.1 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 10721827 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 46.12% | 46.12% | Yes | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 0.00% | 100.00% | N/A | 0 | N/A | Yes | 24 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 35.49 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 15902939 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | Yes | No | No | N/A | N/A | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 49.90% | 49.90% | Yes | Yes | Employed | Self-Employed | 12 Month Bank Statement | 2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | Yes | Yes | 12 | 0 | 69.76% | 0.00% | 100.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | Yes | 36 | Yes | 176 | 28 | Other | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, Lease Agreements Verified || Co Borrower - SECorporation - CPA Letter Verified, Personal Bank Statements Verified, Lease Agreements Verified | Borrower || Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 45.8 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 16891980 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 37.42% | 37.42% | No | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | 0.00% | 100.00% | Third-Party Prepared (Unaudited) | 12 | CPA | Yes | 12 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 75.0 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 17168378 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 47.53% | 47.53% | No | Employed | 2YR Full Doc | 2 | 2+ Months | N/A | 0 | 0 | 0 | 2 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 68.93 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 18528943 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 49.25% | 49.25% | No | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | Third-Party Prepared (Unaudited) | 13 | CPA | Yes | 60 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.81 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 14726414 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 43.54% | 43.54% | No | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | Third-Party Prepared (Unaudited) | 12 | CPA | Yes | 24 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 73.23 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 14907778 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0.00% | 0 | 0 | No | 0 | 0 | 0 | Yes | 1.041 | 1.041 | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.36 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11624503 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0.00% | 0 | 0 | No | 0 | 0 | 0 | Yes | 1.973 | 2.186 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 31.64 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 18607514 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 37.10% | 37.10% | No | Employed | Written Verification of Employment | 0 | NA | N/A | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 100.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 39 | 27 | FNMA 1005 | 0 | No | 0 | N/A | Borrower - Wage - Written VOE Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | Permanent Resident Alien | N/A | Real ID Driver's License | xxx | United States | xxx | I-551 Permanent Resident Card | xxx | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.99 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 13379534 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 46.22% | 46.22% | Yes | Self-Employed | 24 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | Yes | 80.0 | No | Yes | Yes | 0 | 24 | No | 30.28% | 100.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor, Asset Depletion, Subject Property Net Rental Income(Loss) if NOO - Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 71.77 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 19826982 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 45.80% | 45.80% | No | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 100.00% | 100.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.68 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 13309631 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 8.50% | 8.50% | No | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 100.00% | 100.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.78 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 18029396 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 24.66% | 24.66% | No | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 2 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 100.00% | 90.00% | N/A | 0 | N/A | Yes | 24 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 67.96 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 17667786 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 41.94% | 41.94% | No | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | Yes | 84.0 | No | Yes | Yes | 0 | 12 | No | 71.20% | 100.00% | N/A | 0 | N/A | Yes | 24 | No | NA | 0 | 0 | N/A | 0 | No | 0 | Borrower - SESoleProprietor, Asset Depletion - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 64.89 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 10517808 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 42.03% | 42.03% | No | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 100.00% | 100.00% | N/A | 0 | N/A | Yes | 24 | No | NA | 0 | 0 | N/A | 0 | No | 0 | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 52.22 | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 17297664 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 22.25% | 22.25% | No | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 100.00% | 100.00% | N/A | 0 | N/A | Yes | 24 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESCorp - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 50.63 | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 16878715 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | Yes | No | No | N/A | N/A | xxx | xxx | xxx | No AUS | No | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | $0.00 | 0.00% | 38.28% | 38.28% | Yes | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 100.00% | 100.00% | N/A | 0 | N/A | Yes | 108 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | United States | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 70.0 | N/A |