Vista Point Assets LLC ABS-15G
Exhibit 99.2 - Schedule 4
| Loan ID | Redaction ID | Investor Loan ID | Original Loan Amount | Initial Credit Loan Grades DBRS | Initial Credit Loan Grades Fitch | Initial Credit Loan Grades Kroll | Initial Credit Loan Grades Moody's | Initial Credit Loan Grades S&P | Initial Compliance Loan Grades DBRS | Initial Compliance Loan Grades Fitch | Initial Compliance Loan Grades Kroll | Initial Compliance Loan Grades Moody's | Initial Compliance Loan Grades S&P | Initial Property Loan Grades DBRS | Initial Property Loan Grades Fitch | Initial Property Loan Grades Kroll | Initial Property Loan Grades Moody's | Initial Property Loan Grades S&P | Initial Overall Loan Grades DBRS | Initial Overall Loan Grades Fitch | Initial Overall Loan Grades Kroll | Initial Overall Loan Grades Moody's | Initial Overall Loan Grades S&P | Final Credit Loan Grades DBRS | Final Credit Loan Grades Fitch | Final Credit Loan Grades Kroll | Final Credit Loan Grades Moody's | Final Credit Loan Grades S&P | Final Compliance Loan Grades DBRS | Final Compliance Loan Grades Fitch | Final Compliance Loan Grades Kroll | Final Compliance Loan Grades Moody's | Final Compliance Loan Grades S&P | Final Property Loan Grades DBRS | Final Property Loan Grades Fitch | Final Property Loan Grades Kroll | Final Property Loan Grades Moody's | Final Property Loan Grades S&P | Final Overall Loan Grades DBRS | Final Overall Loan Grades Fitch | Final Overall Loan Grades Kroll | Final Overall Loan Grades Moody's | Final Overall Loan Grades S&P |
| XXXX | 2442326 | XXXX | XXXX | C | C | C | N/A | C | A | A | A | N/A | A | A | A | A | N/A | A | C | C | C | N/A | C | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A |
| XXXX | 2385266 | XXXX | XXXX | C | C | C | N/A | C | B | B | B | N/A | B | A | A | A | N/A | A | C | C | C | N/A | C | A | A | A | N/A | A | B | B | B | N/A | B | A | A | A | N/A | A | B | B | B | N/A | B |
| XXXX | 2935181 | XXXX | XXXX | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A |
| XXXX | 2158803 | XXXX | A | A | A | N/A | A | C | C | C | N/A | C | N/A | A | N/A | N/A | C | C | C | C | N/A | C | A | A | A | N/A | A | A | A | A | N/A | A | N/A | A | N/A | N/A | C | A | A | A | N/A | C | |
| XXXX | 2658978 | XXXX | XXXX | A | A | A | N/A | A | C | C | C | N/A | C | N/A | A | N/A | N/A | C | C | C | C | N/A | C | A | A | A | N/A | A | A | A | A | N/A | A | N/A | A | N/A | N/A | C | A | A | A | N/A | C |
| XXXX | 2261904 | XXXX | XXXX | D | D | D | N/A | D | B | B | B | N/A | B | A | A | A | N/A | A | D | D | D | N/A | D | A | A | A | N/A | A | B | B | B | N/A | B | A | A | A | N/A | A | B | B | B | N/A | B |
| XXXX | 2202834 | XXXX | XXXX | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A |
| XXXX | 2360649 | XXXX | XXXX | A | A | A | N/A | A | C | C | C | N/A | C | A | A | A | N/A | A | C | C | C | N/A | C | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A |
| XXXX | 2989937 | XXXX | XXXX | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A |
| XXXX | 2136356 | XXXX | XXXX | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A |
| XXXX | 2420296 | XXXX | XXXX | D | D | D | N/A | D | C | C | C | N/A | C | A | A | A | N/A | A | D | D | D | N/A | D | A | A | A | N/A | A | B | B | B | N/A | B | A | A | A | N/A | A | B | B | B | N/A | B |
| XXXX | 2843705 | XXXX | XXXX | A | A | A | N/A | A | C | C | C | N/A | C | N/A | A | N/A | N/A | C | C | C | C | N/A | C | A | A | A | N/A | A | A | A | A | N/A | A | N/A | A | N/A | N/A | C | A | A | A | N/A | C |
| XXXX | 2343558 | XXXX | D | D | D | N/A | D | A | A | A | N/A | A | N/A | A | N/A | N/A | C | D | D | D | N/A | D | A | A | A | N/A | A | A | A | A | N/A | A | N/A | A | N/A | N/A | C | A | A | A | N/A | C | |
| XXXX | 2301995 | XXXX | D | D | D | N/A | D | A | A | A | N/A | A | A | A | A | N/A | A | D | D | D | N/A | D | B | B | B | N/A | B | A | A | A | N/A | A | A | A | A | N/A | A | B | B | B | N/A | B | |
| XXXX | 2383285 | XXXX | A | A | A | N/A | A | A | A | A | N/A | A | N/A | A | N/A | N/A | C | A | A | A | N/A | C | A | A | A | N/A | A | A | A | A | N/A | A | N/A | A | N/A | N/A | C | A | A | A | N/A | C | |
| XXXX | 2889126 | XXXX | A | A | A | N/A | A | C | C | C | N/A | C | N/A | C | N/A | N/A | C | C | C | C | N/A | C | A | A | A | N/A | A | A | A | A | N/A | A | N/A | A | N/A | N/A | C | A | A | A | N/A | C | |
| XXXX | 2610366 | XXXX | C | C | C | N/A | C | C | C | C | N/A | C | N/A | C | N/A | N/A | C | C | C | C | N/A | C | B | B | B | N/A | B | A | A | A | N/A | A | N/A | A | N/A | N/A | C | B | B | B | N/A | C | |
| XXXX | 2342550 | XXXX | A | A | A | N/A | A | C | C | C | N/A | C | N/A | A | N/A | N/A | C | C | C | C | N/A | C | A | A | A | N/A | A | A | A | A | N/A | A | N/A | A | N/A | N/A | C | A | A | A | N/A | C | |
| XXXX | 2426698 | XXXX | C | C | C | N/A | C | C | C | C | N/A | C | N/A | A | N/A | N/A | C | C | C | C | N/A | C | B | B | B | N/A | B | B | B | B | N/A | B | N/A | A | N/A | N/A | C | B | B | B | N/A | C | |
| XXXX | 2349264 | XXXX | D | D | D | N/A | D | A | A | A | N/A | A | N/A | A | N/A | N/A | C | D | D | D | N/A | D | B | B | B | N/A | B | A | A | A | N/A | A | N/A | A | N/A | N/A | C | B | B | B | N/A | C | |
| XXXX | 2096442 | XXXX | A | A | A | N/A | A | C | C | C | N/A | C | N/A | C | N/A | N/A | C | C | C | C | N/A | C | A | A | A | N/A | A | A | A | A | N/A | A | N/A | A | N/A | N/A | C | A | A | A | N/A | C | |
| XXXX | 2233526 | XXXX | A | A | A | N/A | A | A | A | A | N/A | A | N/A | C | N/A | N/A | C | A | A | A | N/A | C | A | A | A | N/A | A | A | A | A | N/A | A | N/A | A | N/A | N/A | C | A | A | A | N/A | C | |
| XXXX | 2440574 | XXXX | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | |
| XXXX | 2436165 | XXXX | A | A | A | N/A | A | C | C | C | N/A | C | N/A | C | N/A | N/A | C | C | C | C | N/A | C | A | A | A | N/A | A | A | A | A | N/A | A | N/A | A | N/A | N/A | C | A | A | A | N/A | C | |
| XXXX | 2368758 | XXXX | A | A | A | N/A | A | A | A | A | N/A | A | N/A | A | N/A | N/A | C | A | A | A | N/A | C | A | A | A | N/A | A | A | A | A | N/A | A | N/A | A | N/A | N/A | C | A | A | A | N/A | C | |
| XXXX | 2136603 | XXXX | A | A | A | N/A | A | A | A | A | N/A | A | N/A | A | N/A | N/A | C | A | A | A | N/A | C | A | A | A | N/A | A | A | A | A | N/A | A | N/A | A | N/A | N/A | C | A | A | A | N/A | C | |
| XXXX | 2488935 | XXXX | D | D | D | N/A | D | A | A | A | N/A | A | A | A | A | N/A | A | D | D | D | N/A | D | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | |
| XXXX | 2803191 | XXXX | A | A | A | N/A | A | A | A | A | N/A | A | N/A | A | N/A | N/A | C | A | A | A | N/A | C | A | A | A | N/A | A | A | A | A | N/A | A | N/A | A | N/A | N/A | C | A | A | A | N/A | C | |
| XXXX | 2929336 | XXXX | C | C | C | N/A | C | B | B | B | N/A | B | N/A | A | N/A | N/A | C | C | C | C | N/A | C | A | A | A | N/A | A | B | B | B | N/A | B | N/A | A | N/A | N/A | C | B | B | B | N/A | C | |
| XXXX | 2967883 | XXXX | C | C | C | N/A | C | A | A | A | N/A | A | A | A | A | N/A | A | C | C | C | N/A | C | B | B | B | N/A | B | A | A | A | N/A | A | A | A | A | N/A | A | B | B | B | N/A | B | |
| XXXX | 2782007 | XXXX | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | |
| XXXX | 2729763 | XXXX | A | A | A | N/A | A | A | A | A | N/A | A | N/A | A | N/A | N/A | C | A | A | A | N/A | C | A | A | A | N/A | A | A | A | A | N/A | A | N/A | A | N/A | N/A | C | A | A | A | N/A | C | |
| XXXX | 2974435 | XXXX | A | A | A | N/A | A | A | A | A | N/A | A | N/A | A | N/A | N/A | C | A | A | A | N/A | C | A | A | A | N/A | A | A | A | A | N/A | A | N/A | A | N/A | N/A | C | A | A | A | N/A | C | |
| XXXX | 2698935 | XXXX | A | A | A | N/A | A | C | C | C | N/A | C | N/A | A | N/A | N/A | C | C | C | C | N/A | C | A | A | A | N/A | A | A | A | A | N/A | A | N/A | A | N/A | N/A | C | A | A | A | N/A | C | |
| XXXX | 2003842 | XXXX | D | D | D | N/A | D | A | A | A | N/A | A | N/A | A | N/A | N/A | C | D | D | D | N/A | D | B | B | B | N/A | B | A | A | A | N/A | A | N/A | A | N/A | N/A | C | B | B | B | N/A | C | |
| XXXX | 2032248 | XXXX | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | |
| XXXX | 2480295 | XXXX | XXXX | C | C | C | N/A | C | D | D | D | N/A | D | C | C | C | N/A | C | D | D | D | N/A | D | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A |
| XXXX | 2705323 | XXXX | XXXX | D | D | D | N/A | D | B | B | B | N/A | B | N/A | C | N/A | N/A | C | D | D | D | N/A | D | B | B | B | N/A | B | B | B | B | N/A | B | N/A | A | N/A | N/A | C | B | B | B | N/A | C |
| XXXX | 2390460 | XXXX | XXXX | C | C | C | N/A | C | C | C | C | N/A | C | N/A | A | N/A | N/A | C | C | C | C | N/A | C | B | B | B | N/A | B | A | A | A | N/A | A | N/A | A | N/A | N/A | C | B | B | B | N/A | C |
| XXXX | 2615438 | XXXX | XXXX | C | C | C | N/A | C | A | A | A | N/A | A | A | A | A | N/A | A | C | C | C | N/A | C | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A |
| XXXX | 2026906 | XXXX | XXXX | A | A | A | N/A | A | C | C | C | N/A | C | A | A | A | N/A | A | C | C | C | N/A | C | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A |
| XXXX | 2672376 | XXXX | XXXX | D | D | D | N/A | D | A | A | A | N/A | A | A | A | A | N/A | A | D | D | D | N/A | D | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A |
| XXXX | 2738346 | XXXX | XXXX | A | A | A | N/A | A | B | B | B | N/A | B | A | A | A | N/A | A | B | B | B | N/A | B | A | A | A | N/A | A | B | B | B | N/A | B | A | A | A | N/A | A | B | B | B | N/A | B |
| XXXX | 2520355 | XXXX | XXXX | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A |
| XXXX | 2169342 | XXXX | XXXX | D | D | D | N/A | D | A | A | A | N/A | A | A | A | A | N/A | A | D | D | D | N/A | D | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A |
| XXXX | 2062903 | XXXX | XXXX | D | D | D | N/A | D | B | B | B | N/A | B | N/A | A | N/A | N/A | C | D | D | D | N/A | D | A | A | A | N/A | A | B | B | B | N/A | B | N/A | A | N/A | N/A | C | B | B | B | N/A | C |
| XXXX | 2173939 | XXXX | XXXX | D | D | D | N/A | D | A | A | A | N/A | A | A | A | A | N/A | A | D | D | D | N/A | D | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A |
| XXXX | 2730962 | XXXX | XXXX | A | A | A | N/A | A | B | B | B | N/A | B | A | A | A | N/A | A | B | B | B | N/A | B | A | A | A | N/A | A | B | B | B | N/A | B | A | A | A | N/A | A | B | B | B | N/A | B |
| XXXX | 2577561 | XXXX | XXXX | A | A | A | N/A | A | B | B | B | N/A | B | N/A | A | N/A | N/A | C | B | B | B | N/A | C | A | A | A | N/A | A | B | B | B | N/A | B | N/A | A | N/A | N/A | C | B | B | B | N/A | C |
| XXXX | 2026972 | XXXX | XXXX | D | D | D | N/A | D | A | A | A | N/A | A | A | A | A | N/A | A | D | D | D | N/A | D | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A |
| XXXX | 2149496 | XXXX | XXXX | A | A | A | N/A | A | B | B | B | N/A | B | A | A | A | N/A | A | B | B | B | N/A | B | A | A | A | N/A | A | B | B | B | N/A | B | A | A | A | N/A | A | B | B | B | N/A | B |
| XXXX | 2579916 | XXXX | XXXX | A | A | A | N/A | A | C | C | C | N/A | C | A | A | A | N/A | A | C | C | C | N/A | C | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A |
| XXXX | 2180215 | XXXX | XXXX | C | C | C | N/A | C | A | A | A | N/A | A | A | A | A | N/A | A | C | C | C | N/A | C | B | B | B | N/A | B | A | A | A | N/A | A | A | A | A | N/A | A | B | B | B | N/A | B |
| XXXX | 2995659 | XXXX | XXXX | C | C | C | N/A | C | A | A | A | N/A | A | N/A | A | N/A | N/A | C | C | C | C | N/A | C | A | A | A | N/A | A | A | A | A | N/A | A | N/A | A | N/A | N/A | C | A | A | A | N/A | C |
| XXXX | 2651755 | XXXX | XXXX | A | A | A | N/A | A | C | C | C | N/A | C | A | A | A | N/A | A | C | C | C | N/A | C | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A |
| XXXX | 2176091 | XXXX | XXXX | D | D | D | N/A | D | A | A | A | N/A | A | A | A | A | N/A | A | D | D | D | N/A | D | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A |
| XXXX | 2947669 | XXXX | XXXX | D | D | D | N/A | D | D | D | D | N/A | D | A | A | A | N/A | A | D | D | D | N/A | D | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A |
| XXXX | 2272231 | XXXX | XXXX | C | C | C | N/A | C | C | C | C | N/A | C | A | A | A | N/A | A | C | C | C | N/A | C | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A |
| XXXX | 2448899 | XXXX | XXXX | A | A | A | N/A | A | C | C | C | N/A | C | N/A | A | N/A | N/A | C | C | C | C | N/A | C | A | A | A | N/A | A | A | A | A | N/A | A | N/A | A | N/A | N/A | C | A | A | A | N/A | C |
| XXXX | 2487963 | XXXX | XXXX | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A |
| XXXX | 2694124 | XXXX | XXXX | A | A | A | N/A | A | A | A | A | N/A | A | N/A | A | N/A | N/A | C | A | A | A | N/A | C | A | A | A | N/A | A | A | A | A | N/A | A | N/A | A | N/A | N/A | C | A | A | A | N/A | C |
| XXXX | 2491358 | XXXX | XXXX | A | A | A | N/A | A | A | A | A | N/A | A | C | C | C | N/A | C | C | C | C | N/A | C | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A |
| XXXX | 2750055 | XXXX | XXXX | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A |
| XXXX | 2824322 | XXXX | XXXX | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A |
| XXXX | 2178063 | XXXX | XXXX | A | A | A | N/A | A | D | D | D | N/A | D | A | A | A | N/A | A | D | D | D | N/A | D | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A |
| XXXX | 2781015 | XXXX | XXXX | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A |
| XXXX | 2516829 | XXXX | XXXX | A | A | A | N/A | A | A | A | A | N/A | A | N/A | A | N/A | N/A | C | A | A | A | N/A | C | A | A | A | N/A | A | A | A | A | N/A | A | N/A | A | N/A | N/A | C | A | A | A | N/A | C |
| XXXX | 2718436 | XXXX | XXXX | A | A | A | N/A | A | C | C | C | N/A | C | A | A | A | N/A | A | C | C | C | N/A | C | A | A | A | N/A | A | B | B | B | N/A | B | A | A | A | N/A | A | B | B | B | N/A | B |
| XXXX | 2594471 | XXXX | XXXX | D | D | D | N/A | D | A | A | A | N/A | A | N/A | A | N/A | N/A | C | D | D | D | N/A | D | A | A | A | N/A | A | A | A | A | N/A | A | N/A | A | N/A | N/A | C | A | A | A | N/A | C |
| XXXX | 2767635 | XXXX | XXXX | B | B | B | N/A | B | A | A | A | N/A | A | A | A | A | N/A | A | B | B | B | N/A | B | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A |
| XXXX | 2804237 | XXXX | XXXX | C | C | C | N/A | C | A | A | A | N/A | A | A | A | A | N/A | A | C | C | C | N/A | C | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A |
| XXXX | 2282531 | XXXX | XXXX | D | D | D | N/A | D | B | B | B | N/A | B | A | A | A | N/A | A | D | D | D | N/A | D | A | A | A | N/A | A | B | B | B | N/A | B | A | A | A | N/A | A | B | B | B | N/A | B |
| XXXX | 2368031 | XXXX | XXXX | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A |
| XXXX | 2101674 | XXXX | XXXX | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A |
| XXXX | 2954054 | XXXX | XXXX | D | D | D | N/A | D | C | C | C | N/A | C | A | A | A | N/A | A | D | D | D | N/A | D | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A |