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. |