Vista Point Assets LLC ABS-15G

Exhibit 99.2 - Schedule 2

 

Loan ID Redaction ID Investor Loan ID Transaction ID Field Name Source Verified Value Bid Tape Value Comment
XXXX 2480295 XXXX XXXX Primary Appraised Property Value propertyValuationPage XXXX XXXX per appraisal
XXXX 2480295 XXXX XXXX Originator QM Status diligenceFinalLookPage XXXX XXXX XXXX
XXXX 2480295 XXXX XXXX Qualifying Total Debt Income Ratio diligenceFinalLookPage 33.82 39.44 Lender over calculated 1st lien payment
XXXX 2426698 XXXX XXXX Amortization Term notePage 480 180 180 term with 480 amortization Balloon Note.
XXXX 2385266 XXXX XXXX Cash Disbursement Date finalCdDetailPage XXXX XXXX XXXX
XXXX 2385266 XXXX XXXX Borrower 1 Qualifying Income employmentIncomePage XXXX XXXX Audit's calculation per P&L stmnt and per guides.
XXXX 2385266 XXXX XXXX Total Qualifying Income employmentIncomePage XXXX XXXX Audit's calculation per P&L stmnt done according to gl
XXXX 2385266 XXXX XXXX B1 Credit Report Date creditLiabilitiesPage XXXX XXXX XXXX
XXXX 2390460 XXXX XXXX Borrower 1 Qualifying Income employmentIncomePage XXXX XXXX XXXX
XXXX 2390460 XXXX XXXX Originator QM Status diligenceFinalLookPage Non-QM: Lender documented all ATR UW factors ATR/QM: Exempt Owner occupied property not exempt
XXXX 2390460 XXXX XXXX Total Qualifying Income employmentIncomePage XXXX XXXX per income docs
XXXX 2390460 XXXX XXXX Qualifying Total Debt Income Ratio diligenceFinalLookPage 48.03 46.52 Audit calculated lower income for B1 and lender did not include installment loans.
XXXX 2889126 XXXX XXXX Qualifying Housing Debt Income Ratio diligenceFinalLookPage 37.28 49.96 Audit matches lender 1008
XXXX 2101674 XXXX XXXX Qualifying Total Debt Income Ratio diligenceFinalLookPage 45.14 0.36 Per 1008 DTI is 39.791% and guides minimum 20% expense factor required for P&L. 
XXXX 2301995 XXXX XXXX Business Purpose Flag businessPurposePage Yes No Per 1008
XXXX 2349264 XXXX XXXX Qualifying Housing Debt Income Ratio diligenceFinalLookPage 20.32 49.01 Tape appears to show back end DTI since this is close to audit DTI.
XXXX 2488935 XXXX XXXX Property Type propertyValuationPage Two to Four Unit Single Family Detached Per appraisal 
XXXX 2488935 XXXX XXXX Business Purpose Flag businessPurposePage Yes No Per 1008
XXXX 2488935 XXXX XXXX Qualifying Housing Debt Income Ratio diligenceFinalLookPage 20.54 41.99 Audit matches lender 1008
XXXX 2967883 XXXX XXXX Occupancy the1003Page Second Home Primary Residence Per 1008 and application
XXXX 2967883 XXXX XXXX Qualifying Housing Debt Income Ratio diligenceFinalLookPage 9.76 41.80 1008 reflects 10.582% for the housing expense ratio; lender used lower HOI premium that what appears on policy.
XXXX 2062903 XXXX XXXX Property Type propertyValuationPage PUD Single Family Detached Per Title
XXXX 2062903 XXXX XXXX Cash Disbursement Date finalCdDetailPage XXXX XXXX XXXX
XXXX 2342550 XXXX XXXX Qualifying Housing Debt Income Ratio diligenceFinalLookPage 29.62 32.98 Housing ratio matches lender 1008
XXXX 2169342 XXXX XXXX Cash Disbursement Date finalCdDetailPage XXXX XXXX XXXX
XXXX 2169342 XXXX XXXX Originator QM Status diligenceFinalLookPage XXXX XXXX XXXX
XXXX 2169342 XXXX XXXX Borrower 1 Qualifying Income employmentIncomePage XXXX XXXX Audit calculated lower income
XXXX 2803191 XXXX XXXX Property Type propertyValuationPage Two to Four Unit Single Family Detached Per appraisal
XXXX 2803191 XXXX XXXX Qualifying Housing Debt Income Ratio diligenceFinalLookPage 17.9 31.86 Audit matches Lender’s 1008
XXXX 2995659 XXXX XXXX Property Type propertyValuationPage Single Family Detached Two to Four Unit Per AVM SFR
XXXX 2995659 XXXX XXXX Borrower 1 Qualifying Income employmentIncomePage XXXX XXXX Audit calculated less income
XXXX 2995659 XXXX XXXX Total Qualifying Income employmentIncomePage XXXX XXXX Audit calculated less income
XXXX 2579916 XXXX XXXX Note Date notePage XXXX XXXX XXXX
XXXX 2579916 XXXX XXXX Originator QM Status diligenceFinalLookPage XXXX XXXX XXXX
XXXX 2579916 XXXX XXXX Loan Program businessPurposeApprovalandGuidelinePage XXXX XXXX XXXX
XXXX 2149496 XXXX XXXX Loan Program businessPurposeApprovalandGuidelinePage XXXX XXXX XXXX
XXXX 2032248 XXXX XXXX Qualifying Housing Debt Income Ratio diligenceFinalLookPage 8.72 41.92 Audit in line with 1008
XXXX 2003842 XXXX XXXX Qualifying Housing Debt Income Ratio diligenceFinalLookPage 40.31 49.80 Audit in line with 1008
XXXX 2577561 XXXX XXXX Borrower 1 Qualifying Income employmentIncomePage 7761.1 7762.94 7762.94
XXXX 2577561 XXXX XXXX Originator QM Status diligenceFinalLookPage XXXX XXXX XXXX
XXXX 2176091 XXXX XXXX Cash Disbursement Date finalCdDetailPage XXXX XXXX XXXX
XXXX 2176091 XXXX XXXX B1 Credit Report Date creditLiabilitiesPage XXXX XXXX XXXX
XXXX 2672376 XXXX XXXX Cash Disbursement Date closingDetailsNonCompliancePage XXXX XXXX XXXX
XXXX 2672376 XXXX XXXX Borrower 1 Qualifying Income employmentIncomePage XXXX XXXX Per the calculations
XXXX 2672376 XXXX XXXX Total Qualifying Income employmentIncomePage XXXX XXXX Per Income docs provided.
XXXX 2672376 XXXX XXXX Qualifying Total Debt Income Ratio diligenceFinalLookPage 49.81 49.79 Per income docs provided, unable to match lender income.
XXXX 2672376 XXXX XXXX Calculated DSCR diligenceFinalLookPage 0 1.0 The loan is not a DSCR 
XXXX 2989937 XXXX XXXX Application Date complianceDetailPage XXXX XXXX XXXX
XXXX 2989937 XXXX XXXX Qualifying Total Housing Expense PITIA diligenceFinalLookPage XXXX XXXX Audit includes HOI monthly premium
XXXX 2954054 XXXX XXXX Qualifying Total Debt Income Ratio diligenceFinalLookPage 42.37 0.42 Auditor DTI matches 1008
XXXX 2935181 XXXX XXXX Qualifying Total Debt Income Ratio diligenceFinalLookPage 38.13 43.00 Lender included paid collection balance in the DTI
XXXX 2947669 XXXX XXXX Borrower 1 Bankruptcy in past 7 years? the1003Page No Yes Per 1003
XXXX 2947669 XXXX XXXX Borrower 2 Qualifying Income employmentIncomePage XXXX XXXX Audit matches Lender's in file calculation
XXXX 2947669 XXXX XXXX Qualifying Total Debt Income Ratio diligenceFinalLookPage 38.03 45.17 Variance due to lender duplicating liabilities. 
XXXX 2026972 XXXX XXXX Borrower 1 Qualifying Income employmentIncomePage XXXX XXXX Per calculations
XXXX 2026972 XXXX XXXX Total Qualifying Income employmentIncomePage XXXX XXXX per calculations
XXXX 2026972 XXXX XXXX Qualifying Total Debt Income Ratio diligenceFinalLookPage 46.56 30.98 Variance due to income calculations. Finding issued
XXXX 2026972 XXXX XXXX Originator QM Status diligenceFinalLookPage XXXX XXXX XXXX
XXXX 2272231 XXXX XXXX Total Qualified Assets Available For Reserves assetPage XXXX XXXX Per assets in file
XXXX 2272231 XXXX XXXX Qualifying Total Debt Income Ratio diligenceFinalLookPage 34.54 40.05 Variance due to audit calculated lower REO and consumer debt
XXXX 2520355 XXXX XXXX Qualifying FICO creditLiabilitiesPage 720 715 Per credit report
XXXX 2360649 XXXX XXXX Amount of Other Lien titlePage XXXX XXXX Per credit report
XXXX 2651755 XXXX XXXX Total Qualifying Income employmentIncomePage XXXX XXXX Per calculations
XXXX 2651755 XXXX XXXX Borrower 1 Qualifying Income employmentIncomePage XXXX XXXX Per calculations
XXXX 2651755 XXXX XXXX Qualifying Total Debt Income Ratio diligenceFinalLookPage 46.54 37.83 Lender did not include first mtg payment in DTI and audit slightly lower income
XXXX 2651755 XXXX XXXX Loan Program businessPurposeApprovalandGuidelinePage XXXX XXXX XXXX
XXXX 2767635 XXXX XXXX Borrower 1 Last Name notePage XXXX XXXX XXXX
XXXX 2767635 XXXX XXXX Property Type propertyValuationPage Two to Four Unit Single Family Detached Per Appraisal
XXXX 2767635 XXXX XXXX Monthly Property Tax Amount titlePage 448.72 0.00 Per title 
XXXX 2767635 XXXX XXXX Monthly Hazard Insurance Premium propertyInsurancePage 236.5 0.00 Per HOI policy 
XXXX 2767635 XXXX XXXX Calculated DSCR diligenceFinalLookPage 1.264 0.01 market rent/PITIA, matches 1008
XXXX 2750055 XXXX XXXX Borrower 1 Last Name notePage XXXX XXXX XXXX
XXXX 2738346 XXXX XXXX Originator QM Status diligenceFinalLookPage XXXX XXXX XXXX
XXXX 2824322 XXXX XXXX Borrower 1 Last Name notePage XXXX XXXX XXXX
XXXX 2824322 XXXX XXXX Originator QM Status diligenceFinalLookPage XXXX XXXX XXXX
XXXX 2694124 XXXX XXXX Qualifying Total Debt Income Ratio diligenceFinalLookPage 39.22 49.38 Variance due to Lender used incorrect PI payment for first mtg.
XXXX 2282531 XXXX XXXX Property Type propertyValuationPage PUD Single Family Detached Per Appraisal
XXXX 2178063 XXXX XXXX Cash Disbursement Date finalCdDetailPage XXXX XXXX XXXX
XXXX 2843705 XXXX XXXX Loan Amount notePage XXXX XXXX Per Note
XXXX 2843705 XXXX XXXX Amount of Other Lien titlePage XXXX XXXX Per the credit report in the file.