Vista Point Assets LLC ABS-15G

Exhibit 99.2 - Schedule 5

 

Loan ID Redaction 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 Questionnaire Flag 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 Co Borrower 2 FICO Most Recent Co Borrower 3 FICO Updated Credit Report Flag Updated Credit Report Date Updated FICO Method Primary Wage Earner Updated FICO Equifax Primary Wage Earner Updated FICO Experian Primary Wage Earner Updated FICO Transunion Secondary Wage Earner Updated FICO Equifax Secondary Wage Earner Updated FICO Experian Secondary Wage Earner Updated FICO Transunion Third Wage Earner Updated FICO Equifax Third Wage Earner Updated FICO Experian Third Wage Earner Updated FICO Transunion Fourth Wage Earner Updated FICO Equifax Fourth Wage Earner Updated FICO Experian Fourth Wage Earner Updated FICO Transunion Updated Primary Borrower FICO Updated Co Borrower FICO Updated Co Borrower 2 FICO Updated Co Borrower 3 FICO Updated Qualifying 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 Lates 30d in 0-12m Prior Mortgage/Rent Lates 60d in 0-12m Prior Mortgage/Rent Lates 90d in 0-12m Prior Mortgage/Rent Lates 120d+ in 0-12m Prior Mortgage/Rent Lates 30d in 13-24m Prior Mortgage/Rent Lates 60d in 13-24m Prior Mortgage/Rent Lates 90d in 13-24m Prior Mortgage/Rent Lates 120d+ in 13-24m 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 Subordinate Lien Max Draw Amount (HELOC) 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 Leasehold Lease Expiration Date Buydown Flag Assumable Mortgage Flag Foreign National Alternative Credit Documentation Liquid / Cash Reserves (ASF) Months Liquid Reserves Total Assets Available for Reserves Months Reserves Blanket Mortgage Flag Qualifying HCLTV Condo Warrantability Flag E-Note Flag O&E in lieu of Title Insurance Business Purpose Flag Borrower Note Executed As Co Borrower Note Executed As Co Borrower 2 Note Executed As Co Borrower 3 Note Executed As Borrower 1 Trust Name Borrower 2 Trust Name Borrower 3 Trust Name Borrower 4 Trust Name
XXXX 2480295 XXXX XXXX XXXX XXXX No XXXX XXXX 10/15/2024 6 XXXX QM: Safe Harbor APOR (APOR SH) Yes No No N/A N/A 9999 01/20/2025 7.070%     No 9.077%   8.875%   $4,772.35 No   $2,134.32 $177.86 $8,922.96 $743.58 $0.00 $0.00 $1,386.22 $7,080.01 $25,868.67 N/A     $0.00     0.00% 33.82% 33.82% 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 N/A 0 12 100.00% 49.00% 51.00%   N/A 0 N/A N/A N/A 0 Yes 156 Yes 156 NA 0 0 N/A NA 0 0 N/A No 0     Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - 2023, 2024 || Co Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - 2023, 2024 Borrower - 2023, 2024 || Co Borrower - 2023, 2024 XXXX XXXX XX XXXX XXXX 12/06/2024 12/06/2024 12/06/2024     773                 No                                       XX     XX       XX     XX     XX   0 0 0 0         0 0 0 Unknown No     No US Citizen US Citizen N/A       XXXX       N/A     US Citizen US Citizen N/A       XXXX       N/A                                                         Fee Simple   No No N/A .00 0.0 .00 0.0 No 62.45 N/A No No No Borrower As Individual Borrower As Individual N/A N/A        
XXXX 2426698 XXXX XXXX XXXX XXXX No XXXX XXXX 12/09/2024 6 XXXX Non-QM: Lender documented all ATR UW factors Yes Yes No N/A APOR Threshold 13850 12/30/2024 6.280%     No 9.815%   9.500%   $5,263.63 No   $12,003.72 $1,000.31 $4,163.04 $346.92 $99.96 $8.33 $4,622.12 $11,241.31 $15,497.09 N/A XXXX XXXX $8.33 01/01/2026 Annually 0.00% 48.34% 48.35% No               Employed           1YR Full Doc 1 0 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 N/A 0 0 0.00% 4.00%     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, 1 YR IRS Transcripts Verified - 2023, 2024 Borrower - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2023, 2024 XXXX XXXX XX XXXX XXXX 12/08/2024 12/08/2024       706                 No                                       XX     XX       XX     XX     XX   0 0 0 0         0 0 0 Unknown No     No US Citizen US Citizen N/A       XXXX       N/A                                                                                   Fee Simple   No No N/A .00 0.0 .00 0.0 No 63.85 N/A No No No Borrower As Individual N/A N/A N/A        
XXXX 2385266 XXXX XXXX XXXX XXXX No XXXX XXXX 10/15/2024 6 XXXX QM: Higher Priced APOR (APOR HP) Yes No No N/A N/A 2349 11/11/2024 6.780%     No 11.754%   11.125%   $721.34 No   $6,499.08 $541.59 $1,590.72 $132.56 $0.00 $0.00 $1,799.39 $3,194.88 $3,881.05 N/A     $0.00     0.00% 49.43% 49.43% No               Self-Employed           2YR 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 N/A 0 0 No N/A 0 0 0.00% 100.00%     Third-Party Prepared (Unaudited) 24 CPA N/A N/A 0 Yes 48 No 0 NA 0 0 N/A NA 0 0 N/A No 0     Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2023, 2024 Borrower - 2023, 2024 XXXX XXXX XX XXXX XXXX 11/11/2024 11/11/2024       687                 No                                       XX     XX       XX     XX     XX   0 0 0 0         0 0 0 Unknown No     No US Citizen US Citizen N/A       XXXX       N/A                                                                                   Fee Simple   No No N/A .00 0.0 60429.36 18.9 No 57.36 N/A No No No Borrower As Individual N/A N/A N/A        
XXXX 2026906 XXXX XXXX XXXX XXXX No XXXX XXXX 10/15/2024 6 XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A APOR Threshold 2699 01/13/2025 6.980%     No 11.127%   10.625%   $924.10 No   $9,012.96 $751.08 $3,258.12 $271.51 $480.00 $40.00 $2,210.13 $4,196.82 $5,090.52 N/A XXXX XXXX $40.00   Monthly 0.00% 45.99% 45.99% No               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 N/A 0 0 0.00% 0.00%     N/A 0 N/A N/A N/A 0 NA 0 No 0 Yes 66 24 FNMA 1005 NA 0 0 N/A 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 - 2024, 2023, 2022 Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2023, 2022 XXXX XXXX XX XXXX XXXX 12/27/2024 12/27/2024       697                 No                                       XX     XX       XX     XX     XX   0 0 0 0         0 0 0 Unknown No     No US Citizen US Citizen N/A       XXXX       N/A                                                                                   Fee Simple   No No N/A 3202.27 0.8 3202.27 0.8 No 72.42 N/A No No No Borrower As Individual N/A N/A N/A        
XXXX 2390460 XXXX XXXX XXXX XXXX No XXXX XXXX 10/15/2024 6 XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A QM Points and Fees Exceeded 8022.73 01/27/2025 6.930%     No 9.984%   9.375%   $1,416.02 No   $3,548.28 $295.69 $4,857.00 $404.75 $99.96 $8.33 $1,544.98 $3,669.77 $4,887.60 N/A XXXX XXXX $8.33   Annually 0.00% 48.03% 48.03% No No             Self-Employed Employed         12 Month Bank Statement 0 1 NA 1 Month N/A 0 Yes 12 0 0 0 0 3 1 NA NA No No 0 No Yes Yes 0 12 No N/A 0 0 55.99% 100.00% 0.00%   N/A 0 N/A N/A N/A 0 Yes 120 No 0 NA 0 0 N/A Yes 12 12 FNMA 1005 No 0     Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2023, 2025 || Co Borrower - Wage, Overtime and Bonus, Commission - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, IRS Transcripts Verified - 2024, 2025 Borrower - 3 YRS Executed 4506T Verified - 2024, 2023, 2025 || Co Borrower - 3 YRS Executed 4506T Verified, IRS Transcripts Verified - 2024, 2025 XXXX XXXX XX XXXX XXXX 11/20/2024 11/20/2024 11/20/2024     682                 No                                       XX XXXX XXXX XX XXXX     XX     XX     XX   0 0 0 0         0 0 0 Unknown No     No US Citizen US Citizen N/A       XXXX       N/A     US Citizen US Citizen N/A       XXXX       N/A                                                         Fee Simple   No No N/A .00 0.0 .00 0.0 No 65.48 N/A No No No Borrower As Individual Borrower As Individual N/A N/A        
XXXX 2889126 XXXX XXXX XXXX XXXX No XXXX XXXX 12/09/2024 1 XXXX QM: Safe Harbor APOR (APOR SH) Yes Yes No N/A N/A 10945 01/20/2025 7.070%     No 8.983%   8.750%   $4,720.20 No   $26,050.20 $2,170.85 $4,133.04 $344.42 $0.00 $0.00 $9,223.29 $16,458.76 $23,081.24 N/A     $0.00     0.00% 47.72% 47.72% 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 12 12 No N/A 0 0 92.00% 100.00%     N/A 0 N/A N/A N/A 0 Yes 372 No 0 NA 0 0 N/A NA 0 0 N/A No 0     Borrower - SESoleProprietor, Retirement - CPA Letter Verified, Personal Bank Statements Verified, Business Bank Statements Verified - 2024, 2025 Borrower - 2024, 2025 XXXX XXXX XX XXXX XXXX 11/03/2024 11/03/2024       716                 No                                       XX     XX       XX     XX     XX   0 0 0 0         0 0 0 Unknown No     No US Citizen US Citizen N/A       XXXX       N/A                                                                                   Fee Simple   No No N/A .00 0.0 462469.96 28.1 No 51.68 N/A No No No Borrower As Individual N/A N/A N/A        
XXXX 2101674 XXXX XXXX XXXX XXXX No XXXX XXXX 10/15/2024 6 XXXX QM: Safe Harbor APOR (APOR SH) Yes No No N/A N/A 5744 01/06/2025 6.890%     No 10.073%   9.875%   $3,577.60 No   $8,685.60 $723.80 $2,150.04 $179.17 $0.00 $0.00 $2,074.46 $6,555.03 $10,377.80 N/A     $0.00     0.00% 45.14% 45.14% 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) 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 - 2024, 2023 Borrower - 2024, 2023 XXXX XXXX XX XXXX XXXX 12/20/2024 12/20/2024       726                 No                                       XX     XX       XX     XX     XX   0 0 0 0         0 0 0 Unknown No     No US Citizen US Citizen N/A       XXXX       N/A                                                                                   Fee Simple   No No N/A .00 0.0 .00 0.0 No 65.79 N/A No No No Borrower As Individual N/A N/A N/A        
XXXX 2096442 XXXX XXXX XXXX XXXX No XXXX XXXX 12/09/2024 1 XXXX Non-QM: Lender documented all ATR UW factors Yes Yes No N/A QM Points and Fees Exceeded 5045 01/20/2025 7.070%     No 9.519%   9.000%   $1,086.24 No   $6,753.48 $562.79 $951.96 $79.33 $0.00 $0.00 $2,024.03 $3,752.39 $5,413.61 N/A     $0.00     0.00% 42.97% 42.97% 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 276 No 0 NA 0 0 N/A NA 0 0 N/A No 0     Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - 2024 - 2024 Borrower - 2024 - 2024 XXXX XXXX XX XXXX XXXX 01/08/2025 01/08/2025       726                 No                                       XX     XX       XX     XX     XX   0 0 0 0         0 0 0 Unknown No     No US Citizen US Citizen N/A       XXXX       N/A                                                                                   Fee Simple   No No N/A .00 0.0 14613.25 3.9 No 74.24 N/A No No No Borrower As Individual N/A N/A N/A        
XXXX 2233526 XXXX XXXX XXXX XXXX No XXXX XXXX 02/11/2025 2 XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A QM Points and Fees Exceeded 6496.16 01/27/2025 6.930%     No 9.612%   9.125%   $1,543.73 No   $8,327.16 $693.93 $999.96 $83.33 $0.00 $0.00 $2,152.13 $4,473.12 $5,507.91 N/A     $0.00     0.00% 44.95% 44.95% No No             Employed Employed         Written Verification of Employment 0 0 NA NA N/A 0 N/A 0 0 0 0 0 0 1 NA NA No No 0 No No N/A 0 0 No N/A 0 0 4.36% 0.00% 0.00%   N/A 0 N/A N/A N/A 0 NA 0 No 0 Yes 36 36 Work Number Yes 24 24 Work Number No 0   N/A Borrower - Wage - Written VOE Verified, 1 YR IRS Transcripts Verified - 2024, 2023 || Co Borrower - Wage, Overtime and Bonus - Written VOE Verified - 2024, 2023 Borrower - 1 YR IRS Transcripts Verified - 2024, 2023 || Co Borrower - 2024, 2023 XXXX XXXX XX XXXX XXXX 01/09/2025 01/09/2025 01/10/2025     735                 No                                       XX     XX       XX     XX     XX   0 0 0 0         0 0 0 Unknown No     No US Citizen US Citizen N/A       XXXX       N/A     US Citizen US Citizen N/A       XXXX       N/A                                                         Fee Simple   No No N/A .00 0.0 52337.03 11.7 No 80.0 N/A No No No Borrower As Individual Borrower As Individual N/A N/A        
XXXX 2301995 XXXX XXXX XXXX XXXX No XXXX XXXX 10/15/2024 1 XXXX ATR/QM: Exempt No Yes No N/A N/A 3457.33 12/23/2024 6.770%     No 10.532%   9.750%   $706.65 No   $1,845.48 $153.79 $1,497.00 $124.75 $3,780.00 $315.00 $1,359.08 $2,659.27 $3,640.03 Yes XXXX XXXX $315.00 03/01/2025 Monthly 0.00% 33.59% 33.59% Yes               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 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, Subject Property Net Rental Income(Loss) if NOO - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Lease Agreements Verified, 1040 Schedule E Verified - 2022, 2023, 2024, 2025 Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - 2022, 2023, 2024, 2025 XXXX XXXX XX XXXX XXXX 02/12/2025 02/12/2025       716                 No                                       XX     XX       XX     XX     XX   0 0 0 0         0 0 0 Unknown No     No US Citizen US Citizen N/A       XXXX       N/A                                                                                   Fee Simple   No No N/A .00 0.0 76076.90 28.6 No 69.94 Yes No No Yes Borrower As Individual N/A N/A N/A        
XXXX 2349264 XXXX XXXX XXXX XXXX No XXXX XXXX 10/15/2024 1 XXXX QM: Safe Harbor APOR (APOR SH) Yes Yes No N/A N/A 1495 01/20/2025 7.070%     No 8.722%   8.250%   $601.01 No   $4,784.52 $398.71 $13,752.96 $1,146.08 $720.00 $60.00 $1,499.31 $3,705.11 $9,418.56 N/A XXXX XXXX $60.00 03/01/2025 Monthly 0.00% 48.35% 48.35% No               Self-Employed           1YR Full Doc 0 0 Less than 1 Month NA N/A 0 N/A 0 1 1 0 0 1 1 Yes NA No No 0 No No Yes 0 0 No N/A 0 0 0.00% 50.00%     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     Borrower - SEPartnership, Retirement, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1065, K1), YTD Profit And Loss Verified, Less than 1 Month Paystubs Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified, Award Letter Verified - 2023, 2024 Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1065, K1), 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2023, 2024 XXXX XXXX XX XXXX XXXX 01/09/2025 01/09/2025       743                 No                                       XX     XX       XX     XX     XX   0 0 0 0         0 0 0 Unknown No     No US Citizen US Citizen N/A       XXXX       N/A                                                                                   Fee Simple   No No N/A .00 0.0 72636.18 13.9 No 50.9 N/A No No No Borrower As Individual N/A N/A N/A        
XXXX 2615438 XXXX XXXX XXXX XXXX No XXXX XXXX 02/11/2025 7 XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A APOR Threshold 3574 01/20/2025 7.070%     No 11.124%   10.500%   $914.74 No   $11,570.64 $964.22 $5,729.16 $477.43 $0.00 $0.00 $3,288.10 $5,644.49 $10,887.21 N/A     $0.00     0.00% 45.03% 45.03% 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 2 NA NA No No 0 No No Yes 0 0 No Yes 0 0 0.00% 100.00% 0.00%   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     Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2025, 2024 || Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2025, 2024 || Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 XXXX XXXX XX XXXX XXXX 12/09/2024 12/09/2024 12/09/2024     695                 No                                       XX     XX       XX     XX     XX   0 0 0 0         0 0 0 Unknown No     No US Citizen US Citizen N/A       XXXX       N/A     US Citizen US Citizen N/A       XXXX       N/A                                                         Fee Simple   No No N/A 72.74 0.0 72.74 0.0 No 58.9 N/A No No No Borrower As Individual Borrower As Individual N/A N/A        
XXXX 2488935 XXXX XXXX XXXX XXXX No XXXX XXXX 02/11/2025 2 XXXX ATR/QM: Exempt No No No N/A N/A 9826.48 01/27/2025 6.930%     No 12.400%   11.875%   $2,931.83 No   $12,140.40 $1,011.70 $3,194.16 $266.18 $0.00 $0.00 $3,819.32 $8,029.03 $25,114.77 N/A     $0.00     0.00% 41.99% 41.99% 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 24 No 0 NA 0 0 N/A NA 0 0 N/A No 0     Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, YTD Profit And Loss Verified - 2024 - 2024 Borrower - 2024 - 2024 XXXX XXXX XX XXXX XXXX 01/14/2025 01/14/2025       663                 No                                       XX     XX       XX     XX     XX   0 0 0 0         0 0 0 Unknown No     No US Citizen US Citizen N/A       XXXX       N/A                                                                                   Fee Simple   No No N/A .00 0.0 .00 0.0 No 52.91 N/A No No Yes Borrower As Individual N/A N/A N/A        
XXXX 2383285 XXXX XXXX XXXX XXXX No XXXX XXXX 02/11/2025 2 XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A APOR Threshold 5450 01/13/2025 6.980%     No 11.950%   11.625%   $3,037.51 No   $8,288.64 $690.72 $7,202.04 $600.17 $0.00 $0.00 $1,900.06 $6,228.46 $17,749.54 N/A     $0.00     0.00% 26.45% 26.45% 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 - 2023, 2024, 2025 Borrower - 2023, 2024, 2025 XXXX XXXX XX XXXX XXXX 02/12/2025 02/12/2025       726                 No                                       XX     XX       XX     XX     XX   0 0 0 0         0 0 0 Unknown No     No US Citizen US Citizen N/A       XXXX       N/A                                                                                   Fee Simple   No No N/A .00 0.0 .00 0.0 No 85.0 N/A No No No Borrower As Individual N/A N/A N/A        
XXXX 2368758 XXXX XXXX XXXX XXXX No XXXX XXXX 12/09/2024 1 XXXX Non-QM: Lender documented all ATR UW factors Yes Yes No N/A QM Points and Fees Exceeded 5503.5 02/03/2025 6.920%     No 9.948%   9.500%   $1,516.40 No   $2,351.76 $195.98 $2,387.04 $198.92 $0.00 $0.00 $1,019.57 $2,930.87 $9,398.13 N/A     $0.00     0.00% 35.17% 35.17% 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% 49.00% 51.00%   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 - SECorporation - CPA Letter Verified, Business Bank Statements Verified - 2024 - 2024 || Co Borrower - SECorporation - CPA Letter Verified, Business Bank Statements Verified - 2024 - 2024 Borrower - 2024 - 2024 || Co Borrower - 2024 - 2024 XXXX XXXX XX XXXX XXXX 01/21/2025 01/21/2025 01/21/2025     723                 No                                       XX     XX       XX     XX     XX   0 0 0 0         0 0 0 Unknown No     No US Citizen US Citizen N/A       XXXX       N/A     US Citizen US Citizen N/A       XXXX       N/A                                                         Fee Simple   No No N/A .00 0.0 .00 0.0 No 79.97 N/A No No No Borrower As Individual Borrower As Individual N/A N/A        
XXXX 2705323 XXXX XXXX XXXX XXXX No XXXX XXXX 10/15/2024 6 XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A QM Points and Fees Exceeded 7748 01/06/2025 6.890%     No 9.741%   9.250%   $1,645.35 No   $8,322.72 $693.56 $1,708.32 $142.36 $0.00 $0.00 $1,495.63 $3,976.90 $13,875.20 N/A     $0.00     0.00% 46.73% 46.73% 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% 92.00%     Third-Party Prepared (Unaudited) 12 CPA N/A N/A 0 Yes 59 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, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - 2024 - 2024 Borrower - 3 YRS Executed 4506T Verified - 2024 - 2024 XXXX XXXX XX XXXX XXXX 10/25/2024 10/25/2024       745                 No                                       XX     XX       XX     XX     XX   0 0 0 0         0 0 0 Unknown No     No US Citizen US Citizen N/A       XXXX       N/A                                                                                   Fee Simple   No No N/A .00 0.0 72164.82 18.2 No 68.39 N/A No No No Borrower As Individual N/A N/A N/A        
XXXX 2967883 XXXX XXXX XXXX XXXX No XXXX XXXX 02/11/2025 2 XXXX QM: Safe Harbor APOR (APOR SH) Yes Yes No N/A N/A 7395 02/10/2025 6.870%     No 9.044%   8.750%   $2,438.77 No   $9,212.76 $767.73 $3,287.04 $273.92 $0.00 $0.00 $2,221.30 $5,701.72 $26,798.25 N/A     $0.00     0.00% 39.64% 39.64% 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       NA 0 No   NA 0 0 N/A     0   No 0     Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2024 - 2024 Borrower - 2024 - 2024 XXXX XXXX XX XXXX XXXX 01/22/2025 01/22/2025       783                 No                                       XX     XX       XX     XX     XX   0 0 0 0         0 0 0 Unknown No     No US Citizen US Citizen N/A       XXXX       N/A                                                                                   Fee Simple   No No N/A .00 0.0 .00 0.0 No 74.88 N/A No No No Borrower As Individual N/A N/A N/A        
XXXX 2368031 XXXX XXXX XXXX XXXX No XXXX XXXX 02/11/2025 7 XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A APOR Threshold 7624 01/27/2025 6.930%     No 10.849%   10.250%   $1,792.20 No   $10,848.00 $904.00 $8,096.28 $674.69 $0.00 $0.00 $2,812.63 $6,183.52 $10,664.41 N/A     $0.00     0.00% 41.33% 41.33% No               Employed           2YR Full Doc 2   1 Month   N/A 0     0 0     2 0 Yes   No No 0 No Yes Yes 1 0 No       0.00% 0.00%     N/A 0 N/A       NA 0 No   Yes 51 24 FNMA 1005     0   No 0   N/A Borrower - Wage, Commission, Retirement - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, Award Letter Verified, Personal Bank Statements Verified - 2023, 2024, 2025 Borrower - 2 YRS Executed 4506T Verified - 2023, 2024, 2025 XXXX XXXX XX XXXX XXXX 12/03/2024 12/03/2024       700                 No                                       XX     XX       XX     XX     XX   0 0 0 0         0 0 0 Unknown No     No US Citizen US Citizen N/A       XXXX       N/A                                                                                   Fee Simple   No No N/A .00 0.0 185454.35 30.0 No 79.86 N/A No No No Borrower As Individual N/A N/A N/A        
XXXX 2062903 XXXX XXXX XXXX XXXX No XXXX XXXX 02/11/2025 7 XXXX QM: Safe Harbor APOR (APOR SH) Yes No No N/A N/A 9845 02/10/2025 6.870%     No 8.819%   8.625%   $4,666.74 No   $16,218.84 $1,351.57 $2,655.00 $221.25 $2,592.00 $216.00 $5,557.39 $12,012.95 $55,726.30 N/A XXXX XXXX $216.00 03/01/2025 Monthly 0.00% 44.74% 44.74% Yes Yes             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 24 No 0 NA 0 0 N/A NA 0 0 N/A No 0     Borrower - SECorporation, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024 - 2024 || Co Borrower Borrower - 3 YRS Executed 4506T Verified - 2024 - 2024 || Co Borrower XXXX XXXX XX XXXX XXXX 01/27/2025 01/27/2025 01/27/2025     771                 No                                       XX     XX       XX     XX     XX   0 0 0 0         0 0 0 Unknown No     No US Citizen US Citizen N/A       XXXX       N/A     US Citizen US Citizen N/A       XXXX       N/A                                                         Fee Simple   No No N/A .00 0.0 578664.62 48.2 No 58.24 N/A No No No Borrower As Individual Borrower As Individual N/A N/A        
XXXX 2342550 XXXX XXXX XXXX XXXX No XXXX XXXX 10/15/2024 1 XXXX QM: Safe Harbor APOR (APOR SH) Yes Yes No N/A N/A 4196.5 01/20/2025 7.070%     No 8.378%   8.250%   $3,380.70 No   $6,223.80 $518.65 $4,056.00 $338.00 $2,288.04 $190.67 $2,513.00 $6,941.02 $15,785.98 N/A XXXX XXXX $190.67 04/01/2025 Monthly 0.00% 32.64% 32.64% No No             Self-Employed Retired         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 2 12 Yes N/A 3 0 82.92% 100.00% 0.00%   N/A 0 N/A N/A N/A 0 Yes 431 No 0 NA 0 0 N/A NA 0 0 N/A No 0   N/A Borrower - SESCorp, Retirement - CPA Letter Verified, Award Letter Verified, Personal Bank Statements Verified, Business Bank Statements Verified - 2024, 2025 || Co Borrower - Retirement - Award Letter Verified, Personal Bank Statements Verified - 2024, 2025 Borrower - 2024, 2025 || Co Borrower - 2024, 2025 XXXX XXXX XX XXXX XXXX 12/18/2024 12/18/2024 12/18/2024     746                 No                                       XX     XX       XX     XX     XX   0 0 0 0         0 0 0 Unknown No     No US Citizen US Citizen N/A       XXXX       N/A     US Citizen US Citizen N/A       XXXX       N/A                                                         Fee Simple   No No N/A .00 0.0 .00 0.0 No 28.39 N/A No No No Borrower As Individual Borrower As Individual N/A N/A        
XXXX 2343558 XXXX XXXX XXXX XXXX No XXXX XXXX 12/09/2024 1 XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A QM Points and Fees Exceeded 4195 01/27/2025 6.930%     No 8.829%   8.375%   $912.09 No   $25,715.28 $2,142.94 $4,053.96 $337.83 $0.00 $0.00 $3,753.65 $7,146.51 $7,487.75 N/A     $0.00     0.00% 49.07% 49.07% No No             Retired Not Employed         1YR Full Doc 0 0 NA NA N/A 0 N/A 0 1 0 0 0 1 1 NA NA No No 0 No Yes Yes 1 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 - Retirement, SSI and Disability - 1 YR Personal Tax Returns Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified, Personal Bank Statements Verified - 2023 - 2023 || Co Borrower Borrower - 1 YR Personal Tax Returns Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2023 - 2023 || Co Borrower XXXX XXXX XX XXXX XXXX 11/27/2024 11/27/2024 11/27/2024     747                 No                                       XX     XX       XX     XX     XX   0 0 0 0         0 0 0 Unknown No     No US Citizen US Citizen N/A       XXXX       N/A     US Citizen US Citizen N/A       XXXX       N/A                                                         Fee Simple   No No N/A .00 0.0 13346.64 1.9 No 37.03 N/A No No No Borrower As Individual Borrower As Individual N/A N/A        
XXXX 2169342 XXXX XXXX XXXX XXXX No XXXX XXXX 02/11/2025 7 XXXX QM: Safe Harbor APOR (APOR SH) Yes No No N/A N/A 6225.48 02/03/2025 6.920%     No 10.349%   10.000%   $2,184.10 No   $13,711.68 $1,142.64 $3,833.04 $319.42 $0.00 $0.00 $7,369.66 $11,015.82 $66,138.18 N/A     $0.00     0.00% 17.80% 17.80% 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 120 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 - 2024 - 2024 Borrower - 2024 - 2024 XXXX XXXX XX XXXX XXXX 01/23/2025 01/23/2025       716                 No                                       XX     XX       XX     XX     XX   0 0 0 0         0 0 0 Unknown No     No US Citizen US Citizen N/A       XXXX       N/A                                                                                   Fee Simple   No No N/A .00 0.0 234111.58 21.3 No 80.0 N/A No No No Borrower As Individual N/A N/A N/A        
XXXX 2610366 XXXX XXXX XXXX XXXX No XXXX XXXX 10/15/2024 1 XXXX QM: Safe Harbor APOR (APOR SH) Yes Yes No N/A N/A 1695 01/20/2025 7.070%     No 9.175%   8.625%   $505.56 No   $1,314.00 $109.50 $751.92 $62.66 $0.00 $0.00 $1,362.20 $2,039.92 $2,070.40 N/A     $0.00     0.00% 49.63% 49.63% No               Employed           1YR Full Doc 1   2+ Months   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 9 9 Work Number     0   No 0     Borrower - Wage - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2024, 2025 Borrower - 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2024, 2025 XXXX XXXX XX XXXX XXXX 11/27/2024 11/27/2024       737                 No                                       XX     XX       XX     XX     XX   0 0 0 0         0 0 0 Unknown No     No US Citizen US Citizen N/A       XXXX       N/A                                                                                   Fee Simple   No No N/A .00 0.0 .00 0.0 No 64.94 N/A No No No Borrower As Individual N/A N/A N/A        
XXXX 2440574 XXXX XXXX XXXX XXXX No XXXX XXXX 10/15/2024 1 XXXX QM: Safe Harbor APOR (APOR SH) Yes Yes No N/A N/A 9745 01/27/2025 6.930%     No 8.578%   8.250%   $2,854.81 No   $13,189.08 $1,099.09 $1,820.04 $151.67 $0.00 $0.00 $2,055.92 $6,161.49 $10,926.32 N/A     $0.00     0.00% 36.18% 36.18% No No             Self-Employed Not Employed         12 Month Bank Statement 0 0 NA NA N/A 0 N/A 0 0 0 0 0 0 0 NA NA No No 0 No Yes Yes 0 12 Yes Yes 0 12 100.00% 50.00%     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 - SECorporation, SECorporation, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - 2024 - 2024 || Co Borrower - CPA Letter Verified, Business Bank Statements Verified Borrower - 2024 - 2024 || Co Borrower XXXX XXXX XX XXXX XXXX 01/16/2025 01/16/2025 01/16/2025     740                 No                                       XX     XX       XX     XX     XX   0 0 0 0         0 0 0 Unknown No     No US Citizen US Citizen N/A       XXXX       N/A     US Citizen US Citizen N/A       XXXX       N/A                                                         Fee Simple   No No N/A .00 0.0 .00 0.0 No 34.88 N/A No No No Borrower As Individual Borrower As Individual N/A N/A XXXX XXXX    
XXXX 2436165 XXXX XXXX XXXX XXXX No XXXX XXXX 02/11/2025 2 XXXX QM: Safe Harbor APOR (APOR SH) Yes Yes No N/A N/A 4915 02/17/2025 6.880%     No 9.159%   8.875%   $1,782.24 No   $2,869.20 $239.10 $1,599.00 $133.25 $0.00 $0.00 $1,233.60 $3,388.19 $3,704.81 N/A     $0.00     0.00% 49.31% 49.31% 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% 100.00%     N/A 0 N/A       Yes 48 No   NA 0 0 N/A     0   No 0     Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - 2024 - 2024 Borrower - 2024 - 2024 XXXX XXXX XX XXXX XXXX 01/13/2025 01/13/2025       720                 No                                       XX     XX       XX     XX     XX   0 0 0 0         0 0 0 Unknown No     No US Citizen US Citizen N/A       XXXX       N/A                                                                                   Fee Simple   No No N/A .00 0.0 .00 0.0 No 69.13 N/A No No No Borrower As Individual N/A N/A N/A        
XXXX 2803191 XXXX XXXX XXXX XXXX No XXXX XXXX 02/11/2025 2 XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A QM Points and Fees Exceeded 5495 02/17/2025 6.880%     No 8.758%   8.250%   $1,292.18 No   $7,012.44 $584.37 $2,510.16 $209.18 $0.00 $0.00 $1,827.10 $3,912.83 $14,854.17 N/A     $0.00     0.00% 32.06% 32.06% 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% 100.00%     Third-Party Prepared (Unaudited) 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 - CPA Letter Verified, YTD Profit And Loss Verified - 2024 - 2024 || Co Borrower Borrower - 2024 - 2024 || Co Borrower XXXX XXXX XX XXXX XXXX 01/23/2025 01/23/2025 01/23/2025     795                 No                                       XX     XX       XX     XX     XX   0 0 0 0         0 0 0 Unknown No     No Permanent Resident Alien Permanent Resident Alien N/A       XXXX       I-551 Permanent Resident Card    XXXX Permanent Resident Alien Permanent Resident Alien N/A       XXXX       I-551 Permanent Resident Card   XXXX                                                     Fee Simple   No No N/A .00 0.0 159915.96 40.9 No 18.59 N/A No No No Borrower As Individual Borrower As Individual N/A N/A        
XXXX 2929336 XXXX XXXX XXXX XXXX No XXXX XXXX 12/09/2024 1 XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A APOR Threshold 3345.5 02/03/2025 6.920%     No 10.557%   10.125%   $975.50 No   $3,422.28 $285.19 $975.00 $81.25 $0.00 $0.00 $556.33 $1,898.27 $3,340.66 N/A     $0.00     0.00% 44.77% 44.77% 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     Borrower - SECorporation - CPA Letter Verified, Business Bank Statements Verified - 2023, 2024 Borrower - 2023, 2024 XXXX XXXX XX XXXX XXXX 02/03/2025 02/03/2025       672                 No                                       XX     XX       XX     XX     XX   0 0 0 0         0 0 0 Unknown No     No US Citizen US Citizen N/A       XXXX       N/A                                                                                   Fee Simple   No No N/A .00 0.0 78423.64 41.3 No 48.03 N/A No No No Borrower As Individual N/A N/A N/A        
XXXX 2729763 XXXX XXXX XXXX XXXX No XXXX XXXX 02/11/2025 2 XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A QM Points and Fees Exceeded 22795 02/17/2025 6.880%     No 10.021%   9.625%   $6,119.92 No   $13,096.08 $1,091.34 $8,990.64 $749.22 $0.00 $0.00 $1,580.15 $9,540.63 $15,304.37 N/A     $0.00     0.00% 45.44% 45.44% 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% 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 - 2024 - 2024 Borrower - 2024 - 2024 XXXX XXXX XX XXXX XXXX 01/27/2025 01/27/2025       719                 No                                       XX     XX       XX     XX     XX   0 0 0 0         0 0 0 Unknown No     No Permanent Resident Alien Permanent Resident Alien N/A Real ID Driver's License   XXXX XXXX XXXX     I-551 Permanent Resident Card    XXXX                                                                               Fee Simple   No No N/A .00 0.0 188138.25 19.7 No 70.48 N/A No No No Borrower As Individual N/A N/A N/A        
XXXX 2136603 XXXX XXXX XXXX XXXX No XXXX XXXX 10/15/2024 1 XXXX QM: Safe Harbor APOR (APOR SH) Yes No No N/A N/A 9370 01/27/2025 6.930%     No 8.183%   8.125%   $4,046.61 No   $13,094.28 $1,091.19 $947.88 $78.99 $0.00 $0.00 $2,352.77 $7,569.56 $10,334.03 N/A     $0.00     0.00% 42.64% 42.64% No No             Employed Employed         2YR Full Doc 2 2 1 Month 1 Month N/A 0 N/A 0 1 1 1 1 2 1 NA NA No No 0 No No Yes 0 0 No Yes 0 0 0.00% 100.00% 40.00%   Borrower Prepared 12 Borrower Borrower Prepared Borrower 12 NA 0 No 0 Yes 100 38 Work Number Yes 94 36 Work Number No 0     Borrower - Wage, SESCorp, SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S, K1), YTD Profit And Loss Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2023, 2024, 2025 || Co Borrower - Wage, SESCorp - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S, K1), YTD Profit And Loss Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2023, 2024, 2025 Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S, K1), 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2023, 2024, 2025 || Co Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S, K1), 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2023, 2024, 2025 XXXX XXXX XX XXXX XXXX 01/21/2025 01/21/2025 01/21/2025     786                 No                                       XX     XX       XX     XX     XX   0 0 0 0         0 0 0 Unknown No     No US Citizen US Citizen N/A       XXXX       N/A     US Citizen US Citizen N/A       XXXX       N/A                                                         Fee Simple   No No N/A 84176.50 11.1 84176.50 11.1 No 64.5 N/A No No No Borrower As Individual Borrower As Individual N/A N/A        
XXXX 2261904 XXXX XXXX XXXX XXXX No XXXX XXXX 02/11/2025 7 XXXX QM: Safe Harbor APOR (APOR SH) Yes Yes No N/A N/A 10004 01/13/2025 6.980% Manual Underwriting Manual Underwriting No 10.159%   9.750% 9.750% $3,007.04 No   $7,793.64 $649.47 $2,357.52 $196.46 $2,076.00 $173.00 $5,133.62 $9,159.59 $2,958.41 N/A XXXX XXXX $173.00 05/01/2025 Monthly 17.07% 23.69% 23.69% 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, N/A, N/A, N/A, N/A - CPA Letter Verified, Business Bank Statements Verified - 2024 - 2024 Borrower - 2024 - 2024 XXXX XXXX XX XXXX XXXX 12/18/2024 12/18/2024       703                 No                                       XX     XX       XX     XX     XX   0 0 0 0         0 0 0 Unknown No     No US Citizen US Citizen N/A       XXXX       N/A                                                                                   Fee Simple   No No N/A .00 0.0 78067.71 8.5 No 74.61 N/A No No No Borrower As Individual N/A N/A N/A        
XXXX 2173939 XXXX XXXX XXXX XXXX No XXXX XXXX 02/11/2025 7 XXXX ATR/QM: Exempt No No No N/A N/A           No     10.125%   $1,809.12 No   $7,406.76 $617.23 $6,216.96 $518.08 $1,380.00 $115.00 $929.67 $3,989.10 $17,249.54 N/A XXXX XXXX $115.00   Monthly 0.00% 39.94% 39.94% 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 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 252 26 FNMA 1005 Yes 360 36 Work Number No 0     Borrower - Wage, Overtime and Bonus, 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, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Lease Agreements Verified, 1040 Schedule E Verified - 2023, 2024, 2025 || Co Borrower - Wage, Overtime and Bonus - 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, 1040 Schedule E Verified - 2024, 2023, 2022 Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - 2023, 2024, 2025 || Co Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - 2024, 2023, 2022 XXXX XXXX XX XXXX XXXX 12/12/2024 12/12/2024 12/12/2024     704                 No                                       XX     XX       XX     XX     XX   0 0 0 0         0 0 0 Unknown No     No US Citizen US Citizen N/A       XXXX       N/A     US Citizen US Citizen N/A       XXXX       N/A                                                         Fee Simple   No No N/A .00 0.0 47943.92 12.0 No 69.29 N/A No No Yes Borrower As Individual Borrower As Individual N/A N/A        
XXXX 2698935 XXXX XXXX XXXX XXXX No XXXX XXXX 02/11/2025 7 XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A QM Points and Fees Exceeded 6995 02/24/2025 6.850%     No 9.430%   8.875%   $1,591.29 No   $11,253.96 $937.83 $2,013.96 $167.83 $0.00 $0.00 $2,952.42 $5,649.37 $5,762.56 N/A     $0.00     0.00% 49.66% 49.66% No No             Employed Employed         2YR Full Doc 2 2 2+ Months 2+ Months N/A 0 N/A 0 0 0 0 0 1 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 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, 1 YR Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 || Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 1 YR Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 Borrower - 1 YR Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 || Co Borrower - 1 YR Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 XXXX XXXX XX XXXX XXXX 02/10/2025 02/10/2025 02/10/2025     754                 No                                       XX     XX       XX     XX     XX   0 0 0 0         0 0 0 Unknown No     No US Citizen US Citizen N/A       XXXX       N/A     US Citizen US Citizen N/A       XXXX       N/A                                                         Fee Simple   No No N/A .00 0.0 188680.18 33.4 No 71.12 N/A No No No Borrower As Individual Borrower As Individual N/A N/A        
XXXX 2782007 XXXX XXXX XXXX XXXX No XXXX XXXX 02/11/2025 7 XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A APOR Threshold 5995 03/03/2025 6.730%     No 11.168%   10.750%   $2,053.66 No   $3,813.84 $317.82 $2,427.72 $202.31 $287.04 $23.92 $1,590.68 $4,188.39 $40,878.10 N/A XXXX XXXX $23.92 04/01/2025 Annually 0.00% 14.89% 14.89% 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% 51.00%     N/A 0 N/A       NA 0 No   NA 0 0 N/A     0   No 0   N/A Borrower - SEPartnership, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2024, 2025 Borrower - 2024, 2025 XXXX XXXX XX XXXX XXXX 02/06/2025 02/06/2025       800                 No                                       XX     XX       XX     XX     XX   0 0 0 0         0 0 0 Unknown No     No US Citizen US Citizen N/A       XXXX       N/A                                                                                   Fee Simple   No No N/A .00 0.0 212169.15 50.7 No 89.83 N/A No No No Borrower As Individual N/A N/A N/A        
XXXX 2974435 XXXX XXXX XXXX XXXX No XXXX XXXX 02/11/2025 2 XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A QM Points and Fees Exceeded 6676.25 02/17/2025 6.880%     No 10.306%   9.625%   $1,287.73 No   $8,945.64 $745.47 $3,402.96 $283.58 $0.00 $0.00 $2,505.98 $4,822.76 $11,193.10 N/A     $0.00     0.00% 45.62% 45.62% No               Self-Employed           12 Month Bank Statement 1   1 Month   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   Yes 25 25 FNMA 1005     0   No 0   N/A Borrower - Wage, SESoleProprietor, Other REO Net Rental Income(Loss) - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, Business Bank Statements Verified, Lease Agreements Verified - 2023, 2024, 2025 Borrower - 2023, 2024, 2025 XXXX XXXX XX XXXX XXXX 01/31/2025 01/31/2025       707                 No                                       XX     XX       XX     XX     XX   0 0 0 0         0 0 0 Unknown No     No US Citizen US Citizen N/A       XXXX       N/A                                                                                   Fee Simple   No No N/A .00 0.0 124063.85 25.7 No 79.82 N/A No No No Borrower As Individual N/A N/A N/A        
XXXX 2136356 XXXX XXXX XXXX XXXX No XXXX XXXX 03/11/2025 8 XXXX QM: Safe Harbor APOR (APOR SH) Yes No No N/A N/A 5490 03/03/2025 6.730%     No 9.217%   9.000%   $2,816.18 No   $16,410.84 $1,367.57 $1,680.96 $140.08 $2,400.00 $200.00 $2,201.04 $6,724.87 $18,766.85 N/A XXXX XXXX $200.00   Monthly 0.00% 44.27% 44.27% No               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 N/A 0 0 0.00% 100.00%     Third-Party Prepared (Unaudited) 13 CPA N/A N/A 0 Yes 24 No 0 NA 0 0 N/A NA 0 0 N/A No 0   No Borrower - SECorporation, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified - 2024, 2025 || Co Borrower Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 || Co Borrower XXXX XXXX XX XXXX XXXX 02/19/2025 02/19/2025       734                 No                                       XX     XX       XX     XX     XX   0 0 0 0         0 0 0 Unknown No     No US Citizen US Citizen N/A       XXXX       N/A                                                                                   Fee Simple   No No N/A .00 0.0 .00 0.0 No 43.34 N/A No No No Borrower As Individual Borrower As Individual N/A N/A XXXX XXXX    
XXXX 2658978 XXXX XXXX XXXX XXXX No XXXX XXXX 02/11/2025 7 XXXX QM: Safe Harbor APOR (APOR SH) Yes No No N/A N/A 4715 03/03/2025 6.730%     No 9.653%   9.250%   $1,439.68 No   $4,257.24 $354.77 $897.96 $74.83 $0.00 $0.00 $1,565.42 $3,434.70 $5,926.05 N/A     $0.00     0.00% 47.41% 47.41% No               Self-Employed           1YR Full Doc 0   NA   N/A 0     1 0     2 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     Borrower - SESCorp - 1 YR Personal Tax Returns Verified, CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2024, 2025 Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2024, 2025 XXXX XXXX XX XXXX XXXX 01/08/2025 01/08/2025       774                 No                                       XX     XX       XX     XX     XX   0 0 0 0         0 0 0 Unknown No     No US Citizen US Citizen N/A       XXXX       N/A                                                                                   Fee Simple   No No N/A .00 0.0 .00 0.0 No 71.63 N/A No No No Borrower As Individual N/A N/A N/A        
XXXX 2202834 XXXX XXXX XXXX XXXX No XXXX XXXX 02/11/2025 7 XXXX QM: Safe Harbor APOR (APOR SH) Yes No No N/A N/A 3390 03/03/2025 6.730%     No 10.224%   9.875%   $1,215.69 No   $3,871.68 $322.64 $1,690.20 $140.85 $0.00 $0.00 $3,074.16 $4,753.34 $15,886.66 N/A     $0.00     0.00% 32.09% 32.09% No               Self-Employed           2YR Business P&L 0   NA   N/A 0     0 0     2 0 NA   No No 0 No No N/A 0 0 No       0.00% 100.00%     Third-Party Prepared (Unaudited) 24 CPA       Yes 24 No   NA 0 0 N/A     0   No 0     Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified - 2023, 2024, 2025 Borrower - 2 YRS Executed 4506T Verified - 2023, 2024, 2025 XXXX XXXX XX XXXX XXXX 01/28/2025 01/28/2025       741                 No                                       XX     XX       XX     XX     XX   0 0 0 0         0 0 0 Unknown No     No US Citizen US Citizen N/A       XXXX       N/A                                                                                   Fee Simple   No No N/A .00 0.0 .00 0.0 No 73.65 N/A No No No Borrower As Individual N/A N/A N/A        
XXXX 2995659 XXXX XXXX XXXX XXXX No XXXX XXXX 02/11/2025 7 XXXX QM: Safe Harbor APOR (APOR SH) Yes No No N/A N/A 1499 03/10/2025 6.620%     No 9.393%   9.250%   $1,234.01 No   $4,711.44 $392.62 $2,132.04 $177.67 $0.00 $0.00 $1,250.69 $3,054.99 $7,711.04 N/A     $0.00     0.00% 38.84% 38.84% 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% 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, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2025, 2024, 2023 Borrower - 3 YRS Executed 4506T Verified - 2025, 2024, 2023 XXXX XXXX XX XXXX XXXX 02/20/2025 02/20/2025       700                 No                                       XX     XX       XX     XX     XX   0 0 0 0         0 0 0 Unknown No     No US Citizen US Citizen N/A       XXXX       N/A                                                                                   Fee Simple   No No N/A 14948.22 4.9 107868.79 35.3 No 68.38 N/A No No No Borrower As Individual N/A N/A N/A        
XXXX 2579916 XXXX XXXX XXXX XXXX No XXXX XXXX 02/11/2025 7 XXXX QM: Safe Harbor APOR (APOR SH) Yes No No N/A N/A 3046.5 03/03/2025 6.730%     No 9.799%   9.375%   $1,135.34 No   $1,756.44 $146.37 $1,652.04 $137.67 $432.00 $36.00 $1,207.70 $2,663.08 $5,707.97 N/A XXXX XXXX $36.00   Annually 0.00% 42.74% 42.74% 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       NA 0 No   NA 0 0 N/A     0   No 0     Borrower - SESoleProprietor - Business Bank Statements Verified - 2024, 2025 Borrower - 2024, 2025 XXXX XXXX XX XXXX XXXX 12/24/2024 12/24/2024       728                 No                                       XX     XX       XX     XX     XX   0 0 0 0         0 0 0 Unknown No     No US Citizen US Citizen N/A       XXXX       N/A                                                                                   Fee Simple   No No N/A .00 0.0 103671.32 38.9 No 79.94 N/A No No No Borrower As Individual N/A N/A N/A        
XXXX 2149496 XXXX XXXX XXXX XXXX No XXXX XXXX 02/11/2025 7 XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A APOR Threshold 1735 03/03/2025 6.470%     No 12.210%   11.750%   $1,137.89 No   $7,136.52 $594.71 $2,877.72 $239.81 $0.00 $0.00 $2,076.78 $4,049.19 $7,234.99 N/A     $0.00     0.00% 43.95% 43.95% 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     Borrower - Wage, Overtime and Bonus, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2023, 2022 Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2023, 2022 XXXX XXXX XX XXXX XXXX 02/18/2025 02/18/2025       701                 No                                       XX     XX       XX     XX     XX   0 0 0 0         0 0 0 Unknown No     No US Citizen US Citizen N/A       XXXX       N/A                                                                                   Fee Simple   No No N/A 1445.81 0.4 102323.10 25.3 No 84.53 N/A No No No Borrower As Individual N/A N/A N/A        
XXXX 2032248 XXXX XXXX XXXX XXXX No XXXX XXXX 02/11/2025 2 XXXX QM: Safe Harbor APOR (APOR SH) Yes Yes No N/A N/A 19945 03/03/2025 6.730%     No 8.433%   8.125%   $5,571.92 No   $75,405.36 $6,283.78 $39,594.96 $3,299.58 $0.00 $0.00 $20,720.25 $35,875.53 $239,056.90 N/A     $0.00     0.00% 41.92% 41.92% No               Self-Employed           1YR Full Doc 0   NA   N/A 0     1 1     2 1 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 - SESCorp, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), SESoleProprietor - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S, K1), YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - 2023, 2024 Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S, K1), 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - 2023, 2024 XXXX XXXX XX XXXX XXXX 11/21/2024 11/21/2024       751                 No                                       XX     XX       XX     XX     XX   0 0 0 0         0 0 0 Unknown No     No US Citizen US Citizen N/A       XXXX       N/A                                                                                   Fee Simple   No No N/A .00 0.0 737246.40 20.6 No 51.87 N/A No No No Borrower As Individual N/A N/A N/A        
XXXX 2003842 XXXX XXXX XXXX XXXX No XXXX XXXX 02/11/2025 2 XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A APOR Threshold 1538.75 02/24/2025 6.850%     No 11.003%   10.875%   $2,592.95 No   $17,317.56 $1,443.13 $2,479.20 $206.60 $5,028.00 $419.00 $4,893.03 $9,554.71 $11,805.18 N/A XXXX XXXX $419.00 04/01/2025 Monthly 0.00% 50.20% 50.20% No               Self-Employed           12 Month Bank Statement 1   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       NA 0 No   NA 0 0 N/A     0   No 0   N/A Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Retirement, Retirement, SSI and Disability - 1 YR W2 1099 Verified, Award Letter Verified, Business Bank Statements Verified - 2024, 2025 Borrower - 2024, 2025 XXXX XXXX XX XXXX XXXX 02/14/2025 02/14/2025       668                 No                                       XX     XX       XX     XX     XX   0 0 0 0         0 0 0 Unknown No     No US Citizen US Citizen N/A       XXXX       N/A                                                                                   Fee Simple   No No N/A .00 0.0 .00 0.0 No 72.02 N/A No No No Borrower As Individual N/A N/A N/A        
XXXX 2577561 XXXX XXXX XXXX XXXX No XXXX XXXX 03/11/2025 8 XXXX QM: Safe Harbor APOR (APOR SH) Yes No No N/A N/A 4260 02/24/2025 6.850%     No 8.531%   8.125%   $1,121.17 No   $10,389.36 $865.78 $3,176.04 $264.67 $0.00 $0.00 $877.95 $3,129.57 $4,358.53 N/A     $0.00     0.00% 43.84% 43.84% No               Self-Employed           12 Month Bank Statement 0   NA   N/A 0     0 0     0 0 NA   No No 0 No Yes N/A 12 0 No       55.01% 100.00%     N/A 0 N/A       Yes 60 No   NA 0 0 N/A     0   No 0     Borrower - SESoleProprietor, SSI and Disability - CPA Letter Verified, Personal Bank Statements Verified - 2024, 2023 Borrower - 2024, 2023 XXXX XXXX XX XXXX XXXX 01/23/2025 01/23/2025       796                 No                                       XX     XX       XX     XX     XX   0 0 0 0         0 0 0 Unknown No     No US Citizen US Citizen N/A       XXXX       N/A                                                                                   Fee Simple   No No N/A 4845.49 1.6 4845.49 1.6 No 31.06 N/A No No No Borrower As Individual N/A N/A N/A        
XXXX 2176091 XXXX XXXX XXXX XXXX No XXXX XXXX 03/11/2025 8 XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A APOR Threshold 7321.71 03/10/2025 6.620%     No 10.943%   10.250%   $1,452.65 No   $3,416.28 $284.69 $1,403.04 $116.92 $0.00 $0.00 $1,498.05 $3,352.31 $9,573.08 N/A     $0.00     0.00% 49.36% 49.36% No               Self-Employed           1YR Business P&L 0   NA   N/A 0     0 0     0 0 NA   No No 0 No Yes N/A 2 0 No       0.00% 100.00%     N/A 0 N/A       Yes 60 No   NA 0 0 N/A     0   No 0     Borrower - Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), SESoleProprietor - CPA Letter Verified, Personal Bank Statements Verified - 2024, 2025 Borrower - 2024, 2025 XXXX XXXX XX XXXX XXXX 02/17/2025 02/17/2025       665                 No                                       XX     XX       XX     XX     XX   0 0 0 0         0 0 0 Unknown No     No US Citizen US Citizen N/A       XXXX       N/A                                                                                   Fee Simple   No No N/A 37000.00 11.0 114297.46 34.1 No 65.0 N/A No No No Borrower As Individual N/A N/A N/A        
XXXX 2672376 XXXX XXXX XXXX XXXX No XXXX XXXX 03/11/2025 8 XXXX ATR/QM: Exempt No No No N/A N/A           No     11.625%   $1,170.02 No   $5,661.96 $471.83 $3,111.96 $259.33 $0.00 $0.00 $1,386.13 $3,287.31 $27,251.33 N/A     $0.00     0.00% 49.81% 49.81% 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       NA 0 No   NA 0 0 N/A     0   No 0     Borrower - SECorporation, SECorporation, SECorporation, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - Business Bank Statements Verified - 2024, 2025 Borrower - 2024, 2025 XXXX XXXX XX XXXX XXXX 01/08/2025 01/08/2025       677                 No                                       XX     XX       XX     XX     XX   0 0 0 0         0 0 0 Unknown No     No US Citizen US Citizen N/A       XXXX       N/A                                                                                   Fee Simple   No No N/A 54601.74 16.6 54601.74 16.6 No 17.21 N/A No No Yes Borrower As Individual N/A N/A N/A        
XXXX 2989937 XXXX XXXX XXXX XXXX No XXXX XXXX 02/11/2025 7 XXXX ATR/QM: Exempt No No No N/A N/A           No     8.875%   $2,188.02 No   $6,763.32 $563.61 $483.12 $40.26 $948.00 $79.00 $1,368.06 $4,238.95 $10,304.15 N/A XXXX XXXX $79.00   Monthly 0.00% 41.57% 41.57% Yes               Self-Employed           1YR Full Doc 0   NA   N/A 0     1 0     1 1 NA   No No 0 No No N/A 0 0 No       0.00% 100.00%     Third-Party Prepared (Unaudited) 12 CPA       Yes 396 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) - 1 YR Personal Tax Returns Verified, CPA Letter Verified, YTD Profit And Loss Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - 2024, 2023 Borrower - 1 YR Personal Tax Returns Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - 2024, 2023 XXXX XXXX XX XXXX XXXX 02/18/2025 02/18/2025       785                 No                                       XX     XX       XX     XX     XX   0 0 0 0         0 0 0 Unknown No     No US Citizen US Citizen N/A       XXXX       N/A                                                                                   Fee Simple   No No N/A .00 0.0 270824.80 63.9 No 79.13 N/A No No Yes Borrower As Individual N/A N/A N/A XXXX      
XXXX 2954054 XXXX XXXX XXXX XXXX No XXXX XXXX 03/11/2025 8 XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A APOR Threshold 5078.86 03/10/2025 6.620%     No 11.848%   11.250%   $1,546.18 No   $9,158.88 $763.24 $7,341.96 $611.83 $0.00 $0.00 $2,046.06 $4,967.31 $8,227.69 N/A     $0.00     0.00% 42.37% 42.37% 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 74 Yes 74 NA 0 0 N/A NA 0 0 N/A No 0   N/A Borrower - SESCorp - CPA Letter Verified, Business Bank Statements Verified - 2025, 2024 || Co Borrower - SESCorp - CPA Letter Verified, Business Bank Statements Verified - 2025, 2024 Borrower - 2025, 2024 || Co Borrower - 2025, 2024 XXXX XXXX XX XXXX XXXX 02/13/2025 02/13/2025 02/13/2025     742                 No                                       XX     XX       XX     XX     XX   0 0 0 0         0 0 0 Unknown No     No US Citizen US Citizen N/A       XXXX       N/A     US Citizen US Citizen N/A       XXXX       N/A                                                         Fee Simple   No No N/A .00 0.0 .00 0.0 No 85.0 N/A No No No Borrower As Individual Borrower As Individual N/A N/A        
XXXX 2180215 XXXX XXXX XXXX XXXX No XXXX XXXX 02/11/2025 7 XXXX QM: Safe Harbor APOR (APOR SH) Yes No No N/A N/A 3106.5 02/24/2025 6.850%     No 8.981%   8.500%   $1,080.32 No   $4,621.32 $385.11 $2,515.20 $209.60 $0.00 $0.00 $1,395.47 $3,070.50 $4,163.97 N/A     $0.00     0.00% 50.55% 50.55% 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 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     Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Personal Bank Statements Verified, Business Bank Statements Verified - 2023, 2024, 2025 || Co Borrower Borrower - 3 YRS Executed 4506T Verified - 2023, 2024, 2025 || Co Borrower XXXX XXXX XX XXXX XXXX 12/19/2024 12/19/2024 01/08/2025     713                 No                                       XX     XX       XX     XX     XX   0 0 0 0         0 0 0 Unknown No     No US Citizen US Citizen N/A       XXXX       N/A     US Citizen US Citizen N/A       XXXX       N/A                                                         Fee Simple   No No N/A 139299.00 45.4 139299.00 45.4 No 59.34 N/A No No No Borrower As Individual Borrower As Individual N/A N/A        
XXXX 2935181 XXXX XXXX XXXX XXXX No XXXX XXXX 02/11/2025 7 XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A APOR Threshold 5574 03/17/2025 6.650%     No 10.503%   10.250%   $2,733.11 No   $10,925.64 $910.47 $1,507.20 $125.60 $0.00 $0.00 $3,155.88 $6,925.06 $24,565.70 N/A     $0.00     0.00% 38.13% 38.13% 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 168 No   NA 0 0 N/A     0   No 0     Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - 2025, 2024 Borrower - 2025, 2024 XXXX XXXX XX XXXX XXXX 12/06/2024 12/06/2024       719                 No                                       XX     XX       XX     XX     XX   0 0 0 0         0 0 0 Unknown No     No US Citizen US Citizen N/A       XXXX       N/A                                                                                   Fee Simple   No No N/A .00 0.0 49499.30 7.2 No 79.84 N/A No No No Borrower As Individual N/A N/A N/A        
XXXX 2730962 XXXX XXXX XXXX XXXX No XXXX XXXX 03/11/2025 8 XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A APOR Threshold 4524.03 03/24/2025 6.660%     No 12.754%   12.000%   $1,059.47 No   $6,511.68 $542.64 $3,535.56 $294.63 $0.00 $0.00 $1,546.70 $3,443.44 $4,206.13 N/A     $0.00     0.00% 45.68% 45.68% No               Employed           2YR Full Doc 2   NA   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 60 60 Other     0   No 0   N/A Borrower - Wage - 2 YRS W2 1099 Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - 2023, 2024, 2025 Borrower - 3 YRS Executed 4506T Verified - 2023, 2024, 2025 XXXX XXXX XX XXXX XXXX 02/04/2025 02/04/2025       663                 No                                       XX     XX       XX     XX     XX   0 0 0 0         0 0 0 Unknown No     No US Citizen US Citizen N/A       XXXX       N/A                                                                                   Fee Simple   No No N/A .00 0.0 .00 0.0 No 77.7 N/A No No No Borrower As Individual N/A N/A N/A        
XXXX 2947669 XXXX XXXX XXXX XXXX No XXXX XXXX 03/11/2025 8 XXXX QM: Safe Harbor APOR (APOR SH) Yes No No N/A N/A 2499 03/17/2025 6.650%     No 10.030%   9.625%   $849.99 No   $4,332.72 $361.06 $1,191.96 $99.33 $576.00 $48.00 $1,028.11 $2,386.49 $7,137.51 N/A XXXX XXXX $48.00   Monthly 0.00% 38.03% 38.03% 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 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, 2 YRS IRS Transcripts Verified - 2025, 2024, 2023 || Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2025, 2024, 2023 Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2025, 2024, 2023 || Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2025, 2024, 2023 XXXX XXXX XX XXXX XXXX 02/11/2025 02/11/2025 02/11/2025     690                 No                                       XX     XX       XX     XX     XX   0 0 0 0         0 0 0 Unknown No     No US Citizen US Citizen N/A       XXXX       N/A     US Citizen US Citizen N/A       XXXX       N/A                                                         Fee Simple   No No N/A .00 0.0 69415.97 29.1 No 65.12 N/A No No No Borrower As Individual Borrower As Individual N/A N/A        
XXXX 2026972 XXXX XXXX XXXX XXXX No XXXX XXXX 03/11/2025 8 XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A APOR Threshold 3279 03/03/2025 6.470%     No 10.497%   10.000%   $1,466.83 No   $6,132.60 $511.05 $782.04 $65.17 $0.00 $0.00 $1,852.49 $3,895.54 $8,667.52 N/A     $0.00     0.00% 46.56% 46.56% 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     Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 XXXX XXXX XX XXXX XXXX 02/18/2025 02/18/2025       707                 No                                       XX     XX       XX     XX     XX   0 0 0 0         0 0 0 Unknown No     No Permanent Resident Alien Permanent Resident Alien XXXX Other I-551 Permanent Resident Card  XXXX XXXX       I-551 Permanent Resident Card    XXXX                                                                               Fee Simple   No No N/A .00 0.0 .00 0.0 No 21.71 N/A No No No Borrower As Individual N/A N/A N/A        
XXXX 2272231 XXXX XXXX XXXX XXXX No XXXX XXXX 03/11/2025 8 XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A QM Points and Fees Exceeded 10859.35 03/24/2025 6.660%     No 9.991%   9.500%   $2,403.22 No   $9,213.12 $767.76 $2,648.52 $220.71 $0.00 $0.00 $2,746.59 $6,138.28 $15,250.53 N/A     $0.00     0.00% 34.54% 34.54% No No             Self-Employed Not Employed         12 Month Bank Statement           0             3 0     No No 0 No Yes   0 12 No   0 0 100.00% 100.00%       0       0 Yes 60 No 0   0 0     0 0   No 0     Borrower - SECorporation, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - null Personal Tax Returns Verified, null Business Tax Returns Verified(), CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, 3 YRS Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified - 2024, 2025 || 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, 3 YRS 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(), 3 YRS Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified - 2024, 2025 || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), 3 YRS Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified XXXX XXXX XX XXXX XXXX 03/07/2025 03/07/2025 03/07/2025     716                 No                                       XX     XX       XX     XX     XX   0 0 0 0         0 0 0 Unknown No     No US Citizen US Citizen N/A       XXXX       N/A     US Citizen US Citizen N/A       XXXX       N/A                                                         Fee Simple   No No N/A 15397.18 2.5 286993.25 46.8 No 25.98 N/A No No No Borrower As Individual Borrower As Individual N/A N/A XXXX XXXX    
XXXX 2520355 XXXX XXXX XXXX XXXX No XXXX XXXX 02/11/2025 7 XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A APOR Threshold 3645.25 02/17/2025 6.880%     No 10.503%   10.125%   $1,285.89 No   $5,877.00 $489.75 $1,277.04 $106.42 $0.00 $0.00 $1,635.76 $3,517.82 $8,114.05 N/A     $0.00     0.00% 44.98% 44.98% No               Employed           2YR Full Doc 1   1 Month   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   Yes 60 60 Work Number     0   No 0     Borrower - Wage, Other REO Net Rental Income(Loss) - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 XXXX XXXX XX XXXX XXXX 01/16/2025 01/16/2025       720                 No                                       XX     XX       XX     XX     XX   0 0 0 0         0 0 0 Unknown No     No US Citizen US Citizen N/A       XXXX       N/A                                                                                   Fee Simple   No No N/A .00 0.0 43404.41 12.3 No 79.09 N/A No No No Borrower As Individual N/A N/A N/A        
XXXX 2360649 XXXX XXXX XXXX XXXX No XXXX XXXX 03/11/2025 8 XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A QM Points and Fees Exceeded 11213.75 03/24/2025 6.660%     No 9.357%   9.250%   $2,690.15 No   $16,740.84 $1,395.07 $4,333.20 $361.10 $0.00 $0.00 $1,960.27 $6,406.59 $6,710.41 N/A     $0.00     0.00% 49.87% 49.87% No               Employed           2YR Full Doc 2   2+ Months   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   Yes 26 26 Work Number     0   No 0     Borrower - Wage, Child Support - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 XXXX XXXX XX XXXX XXXX 02/19/2025 02/19/2025       786                 No                                       XX     XX       XX     XX     XX   0 0 0 0         0 0 0 Unknown No     No US Citizen US Citizen N/A       XXXX       N/A                                                                                   Fee Simple   No No N/A .00 0.0 319676.06 49.9 No 79.19 N/A No No No Borrower As Individual N/A N/A N/A        
XXXX 2651755 XXXX XXXX XXXX XXXX No XXXX XXXX 03/11/2025 8 XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A APOR Threshold 7228 03/31/2025 6.650%     No 10.375%   9.625%   $1,359.98 No   $7,779.60 $648.30 $1,289.40 $107.45 $0.00 $0.00 $1,959.56 $4,075.29 $12,016.22 N/A     $0.00     0.00% 46.54% 46.54% No               Employed           2YR Full Doc 2   2+ Months   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   Yes 60 60 Work Number     0   No 0     Borrower - Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 XXXX XXXX XX XXXX XXXX 02/11/2025 02/11/2025       687                 No                                       XX     XX       XX     XX     XX   0 0 0 0         0 0 0 Unknown No     No US Citizen US Citizen N/A       XXXX       N/A                                                                                   Fee Simple   No No N/A .00 0.0 .00 0.0 No 79.5 N/A No No No Borrower As Individual N/A N/A N/A        
XXXX 2158803 XXXX XXXX XXXX XXXX No XXXX XXXX 03/11/2025 8 XXXX QM: Safe Harbor APOR (APOR SH) Yes No No N/A N/A 16990 03/17/2025 6.650%     No 9.651%   9.375%   $6,238.12 No   $23,012.04 $1,917.67 $2,121.00 $176.75 $0.00 $0.00 $3,020.09 $11,352.63 $20,745.31 N/A     $0.00     0.00% 47.17% 47.17% No               Self-Employed           12 Month Bank Statement 0   NA   N/A 0     0 0     0 0 NA   No No 0 No Yes Yes 12 2 No       0.00% 100.00%     N/A 0 N/A       Yes 0 No   NA 0 0 N/A     0   No 0     Borrower - SESCorp, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, Personal Bank Statements Verified, Business Bank Statements Verified - 2024, 2025 Borrower - 2024, 2025 XXXX XXXX XX XXXX XXXX 03/17/2025 03/17/2025       735                 No                                       XX     XX       XX     XX     XX   0 0 0 0         0 0 0 Unknown No     No US Citizen US Citizen N/A       XXXX       N/A                                                                                   Fee Simple   No No N/A .00 0.0 .00 0.0 No 69.34 Yes No No No Borrower As Individual N/A N/A N/A        
XXXX 2420296 XXXX XXXX XXXX XXXX No XXXX XXXX 03/11/2025 8 XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A QM Points and Fees Exceeded 4299.3 04/07/2025 6.620%     No 9.693%   9.250%   $740.94 No   $4,101.60 $341.80 $2,559.96 $213.33 $2,064.00 $172.00 $1,235.99 $2,704.06 $4,447.56 N/A XXXX XXXX $172.00   Monthly 0.00% 38.16% 38.16% No No             Retired Retired         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 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     Borrower - SSI and Disability, Retirement - 2 YRS W2 1099 Verified, 2 YRS Executed 4506T Verified - 2023, 2024 || Co Borrower - SSI and Disability, Retirement - 2 YRS W2 1099 Verified, 2 YRS Executed 4506T Verified - 2023, 2024 Borrower - 2 YRS Executed 4506T Verified - 2023, 2024 || Co Borrower - 2 YRS Executed 4506T Verified - 2023, 2024 XXXX XXXX XX XXXX XXXX 02/18/2025 02/18/2025 02/18/2025     716                 No                                       XX     XX       XX     XX     XX   0 0 0 0         0 0 0 Unknown No     No US Citizen US Citizen N/A       XXXX       N/A     US Citizen US Citizen N/A       XXXX       N/A                                                         Fee Simple   No No N/A .00 0.0 .00 0.0 No 74.72 N/A No No No Borrower As Individual Borrower As Individual N/A N/A        
XXXX 2448899 XXXX XXXX XXXX XXXX No XXXX XXXX 03/11/2025 8 XXXX QM: Safe Harbor APOR (APOR SH) Yes No No N/A N/A 2799 03/24/2025 6.660%     No 9.936%   9.750%   $1,997.53 No   $8,151.96 $679.33 $1,191.84 $99.32 $0.00 $0.00 $2,391.55 $5,167.73 $8,763.98 N/A     $0.00     0.00% 45.55% 45.55% 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       NA 0 No   NA 0 0 N/A     0   No 0     Borrower - SESoleProprietor - Business Bank Statements Verified - 2025, 2024 Borrower - 2025, 2024 XXXX XXXX XX XXXX XXXX 03/17/2025 03/17/2025       704                 No                                       XX     XX       XX     XX     XX   0 0 0 0         0 0 0 Unknown No     No US Citizen US Citizen N/A       XXXX       N/A                                                                                   Fee Simple   No No N/A .00 0.0 223482.70 43.3 No 25.25 N/A No No No Borrower As Individual N/A N/A N/A        
XXXX 2491358 XXXX XXXX XXXX XXXX No XXXX XXXX 03/11/2025 8 XXXX QM: Safe Harbor APOR (APOR SH) Yes No No N/A N/A 4601.5 03/31/2025 6.650%     No 9.647%   9.250%   $1,398.55 No   $8,316.72 $693.06 $2,413.56 $201.13 $0.00 $0.00 $1,901.73 $4,194.47 $12,245.76 N/A     $0.00     0.00% 34.56% 34.56% 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) 15 CPA       Yes 24 No   NA 0 0 N/A     0   No 0     Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2025 - 2025 Borrower - 2025 - 2025 XXXX XXXX XX XXXX XXXX 03/13/2025 03/13/2025       718                 No                                       XX     XX       XX     XX     XX   0 0 0 0         0 0 0 Unknown No     No US Citizen US Citizen N/A       XXXX       N/A                                                                                   Fee Simple   No No N/A .00 0.0 163371.58 39.0 No 59.87 N/A No No No Borrower As Individual N/A N/A N/A        
XXXX 2767635 XXXX XXXX XXXX XXXX No XXXX XXXX 03/11/2025 8 XXXX ATR/QM: Exempt No No No N/A N/A           No   $0.00 11.500%   $1,178.45 No   $5,384.64 $448.72 $2,838.00 $236.50 $0.00 $0.00 $1,577.06 $3,440.73   N/A     $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       0   0 No 0   0 0     0 0   Yes 1.264 1.2   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 || 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 XXXX XXXX XX XXXX XXXX 12/30/2024 12/30/2024 12/30/2024     701                 No                                       XX     XX       XX     XX     XX   0 0 0 0         0 0 0 Unknown No     No US Citizen US Citizen N/A       XXXX       N/A     US Citizen US Citizen N/A       XXXX       N/A                                                         Fee Simple   No No N/A .00 0.0 111621.10 32.4 No 69.96 N/A No No Yes Borrower As Individual Borrower As Individual N/A N/A        
XXXX 2594471 XXXX XXXX XXXX XXXX No XXXX XXXX 03/11/2025 8 XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A APOR Threshold 9345 04/14/2025 6.700%     No 10.554%   10.000%   $1,930.66 No   $11,964.24 $997.02 $2,102.04 $175.17 $0.00 $0.00 $3,070.20 $6,173.05 $214,857.63 N/A     $0.00     0.00% 3.96% 3.96% 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       NA 0 No   NA 0 0 N/A     0   No 0     Borrower - SECorporation - Business Bank Statements Verified - 2024, 2025 Borrower - 2024, 2025 XXXX XXXX XX XXXX XXXX 03/16/2025 03/16/2025       693                 No                                       XX     XX       XX     XX     XX   0 0 0 0         0 0 0 Unknown No     No US Citizen US Citizen N/A       XXXX       N/A                                                                                   Fee Simple   No No N/A 29906.42 4.8 29906.42 4.8 No 69.82 N/A No No No Borrower As Individual N/A N/A N/A        
XXXX 2750055 XXXX XXXX XXXX XXXX No XXXX XXXX 03/11/2025 8 XXXX ATR/QM: Exempt No No No N/A N/A           No     9.500%   $630.64 No   $2,205.36 $183.78 $824.52 $68.71 $0.00 $0.00 $1,368.15 $2,251.28 $6,514.48 N/A     $0.00     0.00% 47.47% 47.47% Yes               Self-Employed           1YR Full Doc 0   NA   N/A 0     1 0     3 1 NA   No No 0 No No N/A 0 0 No       0.00% 100.00%     N/A 0 N/A       Yes 84 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), Subject Property Net Rental Income(Loss) if NOO - 1 YR Personal Tax Returns Verified, CPA Letter Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - 2024 - 2024 Borrower - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - 2024 - 2024 XXXX XXXX XX XXXX XXXX 03/20/2025 03/20/2025       760                 No                                       XX     XX       XX     XX     XX   0 0 0 0         0 0 0 Unknown No     No US Citizen US Citizen N/A       XXXX       N/A                                                                                   Fee Simple   No No N/A .00 0.0 68973.28 30.6 No 14.59 N/A No No Yes Borrower As Individual N/A N/A N/A        
XXXX 2738346 XXXX XXXX XXXX XXXX No XXXX XXXX 03/11/2025 8 XXXX QM: Safe Harbor APOR (APOR SH) Yes No No N/A N/A 13349 04/21/2025 6.810%     No 9.396%   9.125%   $4,885.31 No   $14,517.84 $1,209.82 $5,039.04 $419.92 $0.00 $0.00 $4,449.88 $10,964.93 $27,917.95 N/A     $0.00     0.00% 48.34% 48.34% 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 - Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), SESoleProprietor, Other REO Net Rental Income(Loss), SESoleProprietor - Business Bank Statements Verified - 2024, 2025 Borrower - 2024, 2025 XXXX XXXX XX XXXX XXXX 03/28/2025 03/28/2025       726                 No                                       XX     XX       XX     XX     XX   0 0 0 0         0 0 0 Unknown No     No US Citizen US Citizen N/A       XXXX       N/A                                                                                   Fee Simple   No No N/A .00 0.0 .00 0.0 No 66.72 N/A No No No Borrower As Individual N/A N/A N/A        
XXXX 2824322 XXXX XXXX XXXX XXXX No XXXX XXXX 03/11/2025 8 XXXX QM: Safe Harbor APOR (APOR SH) Yes No No N/A N/A 6249 04/14/2025 6.700%     No 9.252%   9.000%   $2,816.18 No   $4,562.28 $380.19 $1,986.48 $165.54 $0.00 $0.00 $2,186.00 $5,547.91 $19,154.69 N/A     $0.00     0.00% 39.75% 39.75% 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) 12 CPA       Yes 24 No   NA 0 0 N/A     0   No 0     Borrower - SESoleProprietor, SSI and Disability, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - 2024, 2025 Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 XXXX XXXX XX XXXX XXXX 02/22/2025 02/22/2025       765                 No                                       XX     XX       XX     XX     XX   0 0 0 0         0 0 0 Unknown No     No US Citizen US Citizen N/A       XXXX       N/A                                                                                   Fee Simple   No No N/A .00 0.0 .00 0.0 No 40.95 N/A No No No Borrower As Individual N/A N/A N/A XXXX      
XXXX 2694124 XXXX XXXX XXXX XXXX No XXXX XXXX 03/11/2025 8 XXXX QM: Higher Priced APOR (APOR HP) Yes No No N/A N/A 999 04/14/2025 6.700%     No 11.250%   10.625%   $693.07 No   $5,499.84 $458.32 $695.04 $57.92 $0.00 $0.00 $1,589.01 $2,798.32 $4,566.35 N/A     $0.00     0.00% 39.22% 39.22% 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 96 27 Work Number     0   No 0     Borrower - Wage, Overtime and Bonus, Other - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified - 2023, 2024, 2025 Borrower - 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified - 2023, 2024, 2025 XXXX XXXX XX XXXX XXXX 01/16/2025 01/16/2025       673                 No                                       XX     XX       XX     XX     XX   0 0 0 0         0 0 0 Unknown No     No US Citizen US Citizen N/A       XXXX       N/A                                                                                   Fee Simple   No No N/A .00 0.0 .00 0.0 No 67.38 N/A No No No Borrower As Individual N/A N/A N/A        
XXXX 2487963 XXXX XXXX XXXX XXXX No XXXX XXXX 03/11/2025 8 XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A QM Points and Fees Exceeded 7630.09 04/21/2025 6.810%     No 8.613%   8.250%   $1,916.05 No   $3,165.96 $263.83 $3,782.04 $315.17 $0.00 $0.00 $1,708.72 $4,203.77 $27,398.69 N/A     $0.00     0.00% 14.68% 14.68% 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     Borrower - Other REO Net Rental Income(Loss), SEPartnership - Business Bank Statements Verified - 2024, 2025 || Co Borrower - SEPartnership - Business Bank Statements Verified - 2024, 2025 Borrower - 2024, 2025 || Co Borrower - 2024, 2025 XXXX XXXX XX XXXX XXXX 01/23/2025 01/23/2025 01/23/2025     766                 No                                       XX     XX       XX     XX     XX   0 0 0 0         0 0 0 Unknown No     No US Citizen US Citizen N/A       XXXX       N/A     US Citizen US Citizen N/A       XXXX       N/A                                                         Fee Simple   No No N/A .00 0.0 .00 0.0 No 65.0 N/A No No No Borrower As Individual Borrower As Individual N/A N/A        
XXXX 2442326 XXXX XXXX XXXX XXXX No XXXX XXXX 03/11/2025 1 XXXX QM: Safe Harbor APOR (APOR SH) Yes Yes No N/A N/A 16695 04/28/2025 6.880%     No 9.270%   9.000%   $6,034.67 No   $44,475.36 $3,706.28 $4,221.96 $351.83 $6,600.00 $550.00 $11,729.64 $22,372.42 $78,113.48 N/A XXXX XXXX $550.00   Monthly 0.00% 36.88% 36.88% No               Self-Employed           1YR Full Doc 2   1 Month   N/A 0     1 1     3 1 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 - SECorporation, Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(K1), YTD Profit And Loss Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2023, 2024 Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(K1), 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2023, 2024 XXXX XXXX XX XXXX XXXX 04/28/2025 04/28/2025       739                 No                                       XX     XX       XX     XX     XX   0 0 0 0         0 0 0 Unknown No     No US Citizen US Citizen N/A       XXXX       N/A                                                                                   Fee Simple   No No N/A .00 0.0 .00 0.0 No 45.4 N/A No No No Borrower As Individual N/A N/A N/A        
XXXX 2282531 XXXX XXXX XXXX XXXX No XXXX XXXX 03/11/2025 8 XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A QM Points and Fees Exceeded 9345 04/21/2025 6.810%     No 10.011%   9.500%   $2,102.14 No   $1,989.36 $165.78 $2,717.04 $226.42 $1,179.96 $98.33 $2,222.00 $4,814.67 $112,812.31 N/A XXXX XXXX $98.33   Annually 0.00% 4.32% 4.32% 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 - 2025, 2024 Borrower - 2025, 2024 XXXX XXXX XX XXXX XXXX 05/06/2025 05/06/2025       706                 No                                       XX     XX       XX     XX     XX   0 0 0 0         0 0 0 Unknown No     No US Citizen US Citizen N/A       XXXX       N/A                                                                                   Fee Simple   No No N/A .00 0.0 .00 0.0 No 62.81 N/A No No No Borrower As Individual N/A N/A N/A        
XXXX 2804237 XXXX XXXX XXXX XXXX No XXXX XXXX 03/11/2025 8 XXXX ATR/QM: Exempt No No No N/A N/A           No     9.875%   $3,473.39 No   $45,553.80 $3,796.15 $9,082.20 $756.85 $0.00 $0.00 $13,891.72 $21,918.11   N/A     $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 1.266 1.27   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 XXXX XXXX XX XXXX XXXX 04/14/2025 04/14/2025 05/01/2025     725                 No                                       XX     XX       XX     XX     XX   0 0 0 0         0 0 0 Unknown No     No US Citizen US Citizen N/A       XXXX       N/A     US Citizen US Citizen N/A       XXXX       N/A                                                         Fee Simple   No No N/A .00 0.0 386122.94 17.6 No 62.05 N/A No No Yes Member on Behalf of Entity Member on Behalf of Entity N/A N/A        
XXXX 2516829 XXXX XXXX XXXX XXXX No XXXX XXXX 03/11/2025 8 XXXX QM: Safe Harbor APOR (APOR SH) Yes No No N/A N/A 4722.3 04/28/2025 6.880%     No 9.326%   9.000%   $1,426.60 No   $2,599.44 $216.62 $1,056.12 $88.01 $0.00 $0.00 $1,321.91 $3,053.14 $12,279.15 N/A     $0.00     0.00% 27.07% 27.07% No No             Self-Employed Not 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 96 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 - 2023, 2024, 2025 || Co Borrower - 3 YRS Executed 4506T Verified Borrower - 3 YRS Executed 4506T Verified - 2023, 2024, 2025 || Co Borrower - 3 YRS Executed 4506T Verified XXXX XXXX XX XXXX XXXX 04/16/2025 04/16/2025 04/16/2025     710                 No                                       XX     XX       XX     XX     XX   0 0 0 0         0 0 0 Unknown No     No US Citizen US Citizen N/A       XXXX       N/A     US Citizen US Citizen N/A       XXXX       N/A                                                         Fee Simple   No No N/A .00 0.0 170967.34 56.0 No 64.62 N/A No No No Borrower As Individual Borrower As Individual N/A N/A        
XXXX 2178063 XXXX XXXX XXXX XXXX No XXXX XXXX 03/11/2025 8 XXXX QM: Safe Harbor APOR (APOR SH) Yes No No N/A N/A 1499 04/28/2025 6.880%     No 8.283%   8.250%   $4,507.60 No   $33,406.56 $2,783.88 $4,695.96 $391.33 $8,760.00 $730.00 $7,870.81 $16,283.62 $39,167.66 N/A XXXX XXXX $730.00   Monthly 0.00% 40.41% 40.41% 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       Yes 120 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, 2025 Borrower - 2024, 2025 XXXX XXXX XX XXXX XXXX 04/08/2025 04/08/2025       741                 No                                       XX     XX       XX     XX     XX   0 0 0 0         0 0 0 Unknown No     No US Citizen US Citizen N/A       XXXX       N/A                                                                                   Fee Simple   No No N/A 25880.59 1.6 25880.59 1.6 No 45.24 N/A No No No Borrower As Individual N/A N/A N/A XXXX      
XXXX 2843705 XXXX XXXX XXXX XXXX No XXXX XXXX 03/11/2025 8 XXXX QM: Safe Harbor APOR (APOR SH) Yes No No N/A N/A 2195 04/21/2025 6.810%     No 9.170%   8.750%   $629.36 No   $3,317.52 $276.46 $2,319.00 $193.25 $0.00 $0.00 $1,238.23 $2,337.30 $11,743.86 N/A     $0.00     0.00% 40.20% 40.20% 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 Yes Yes 0 12 0.00% 30.00% 30.00%   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 - SECorporation, Other REO Net Rental Income(Loss) - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 || Co Borrower - SECorporation - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 || Co Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 XXXX XXXX XX XXXX XXXX 04/18/2025 04/18/2025 04/18/2025     736                 No                                       XX     XX       XX     XX     XX   0 0 0 0         0 0 0 Unknown No     No US Citizen US Citizen N/A       XXXX       N/A     US Citizen US Citizen N/A       XXXX       N/A                                                         Fee Simple   No No N/A .00 0.0 .00 0.0 No 24.4 N/A No No No Borrower As Individual Borrower As Individual N/A N/A        
XXXX 2718436 XXXX XXXX XXXX XXXX No XXXX XXXX 03/11/2025 8 XXXX QM: Safe Harbor Verified (V SH) Yes No Yes Option 3 - Underwritten to Proprietary Lender Guidelines N/A 5072.56 05/05/2025 6.740%     No 9.478%   9.125%   $1,994.21 No   $3,415.44 $284.62 $14,503.80 $1,208.65 $0.00 $0.00 $857.67 $4,345.15 $10,713.85 N/A     $0.00     0.00% 37.00% 37.00% 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 28 51 Other     0   No 0     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 - 2022, 2023, 2024, 2025 Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2022, 2023, 2024, 2025 XXXX XXXX XX XXXX XXXX 04/29/2025 04/29/2025       687                 No                                       XX     XX       XX     XX     XX   0 0 0 0         0 0 0 Unknown No     No US Citizen US Citizen N/A       XXXX       N/A                                                                                   Fee Simple   No No N/A .00 0.0 234424.78 54.0 No 64.95 N/A No No No Borrower As Individual N/A N/A N/A        
XXXX 2781015 XXXX XXXX XXXX XXXX No XXXX XXXX 03/11/2025 8 XXXX QM: Safe Harbor APOR (APOR SH) Yes No No N/A N/A 3349 04/21/2025 6.810%     No 9.794%   9.000%   $804.62 No   $3,062.04 $255.17 $1,602.48 $133.54 $900.00 $75.00 $1,184.13 $2,452.46 $3,217.53 N/A XXXX XXXX $75.00 01/01/2026 Annually 0.00% 48.08% 48.08% 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 11 11 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, 3 YRS IRS Transcripts Verified - 2023, 2024, 2025 Borrower - 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified - 2023, 2024, 2025 XXXX XXXX XX XXXX XXXX 04/15/2025 04/15/2025       768                 No                                       XX     XX       XX     XX     XX   0 0 0 0         0 0 0 Unknown No     No US Citizen US Citizen N/A       XXXX       N/A                                                                                   Fee Simple   No No N/A .00 0.0 85126.25 34.7 No 77.61 N/A No No No Borrower As Individual N/A N/A N/A