Vista Point Assets LLC ABS-15G

Exhibit 99.4 - Schedule 6

 

Loan ID Dummy ID Investor Loan ID Seller Loan ID Lender Application Date Originator QM Status Final QM Status Originator QM Status Difference than Final QM Status? Reason Why NonQM Final Status APR Pricing Threshold Exceeded? QM DTI Threshold Exceeded? Higher Priced Mortgage Loan (HPML)? Negatively Amortizing Loan? Principal Deferment? Interest Only Flag? Prepayment Penalty? Balloon Flag? Adjustable Rate Balloon? Loan Term Less Than 5 Years? QM Points and Fees Threshold Exceeded? QM Total Points and Fees APR ATR: Qualifying Payment Properly Considered? ATR: Current Employment/Self-Employment Verified? ATR: Balloon Qualifying Payment Properly Considered? ATR: Reasonable Income or Assets Considered? ATR: Subject PITIA Adequately Documented? ATR: All Liabilities Including Alimony and Child Support in DTI? ATR: Simultaneous Loan Calculated Properly ATR: Credit History was Considered Properly? ATR: Did Lender Document All ATR Factors? ATR: Was an ATR/QM Residual Income Analysis Provided? Residual Income Residual Income Meets Guidelines? Borrower 1 Employment Indicator Borrower 2 Employment Indicator Borrower 1 Foreign National Indicator Borrower 2 Foreign National Indicator Business Purpose Loan? Business Purpose Verified?
xx 527472     xx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Yes No Yes No No No No No No No No 6916 11.056 Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xx N/A Employed   No   No  
xx 552240     xx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Yes No Yes No No No No No No No Yes 18290 10.274 Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xx N/A Employed   No   No  
xx 523788     xx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Yes Yes Yes No No No No No No No Yes 12260.9 11.268 Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xx N/A Employed   No   No  
xx 516621     xx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No Yes 12940 10.284 Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xx N/A Employed   No   No  
xx 523889     xx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A xx       No   Yes Present
xx 558978     xx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No Yes 16890 9.572 Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xx N/A Employed   No   No  
xx 560119     xx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No Yes 13790 8.49 Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xx N/A Employed   No   No  
xx 584249     xx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Yes Yes Yes No No No No No No No No 12163.9 10.977 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes xx N/A Employed Employed No No No  
xx 568137     xx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No No 12517.5 9.498 Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xx N/A Employed   No   No  
xx 596114     xx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No No 6790 9.577 Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xx N/A Employed Employed No No No  
xx 578843     xx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No No 8765 9.602 Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xx N/A Employed Unknown No No No  
xx 526445     xx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No Not Tested   10.112 Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xx N/A Employed   No   No  
xx 590677     xx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A xx N/A Employed   No   Yes Present
xx 596435     xx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Yes No Yes No No No No No No No Not Tested   11.355 Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xx N/A Employed   No   No  
xx 561539     xx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Yes No Yes No No No No No No No Not Tested 7415 12.538 Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xx N/A Employed   No   No  
xx 522850     xx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Yes No Yes No No No No No No No Not Tested   11.249 Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xx N/A Employed   No   No  
xx 581681     xx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 7790 9.777 Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xx N/A Employed   No   No  
xx 563706     xx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No No 14365 9.165 Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xx N/A Employed   No   No  
xx 522643     xx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 18665 9.556 Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xx N/A Employed   No   No  
xx 538120     xx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A xx N/A Employed   No   Yes Present
xx 580021     xx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 11165 8.672 Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xx N/A Employed   No   No  
xx 567116     xx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No No 10885 10.042 Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xx N/A Employed Employed No No No  
xx 520921     xx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No No 4790 9.327 Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xx N/A Employed Employed No No No  
xx 555067     xx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No No 10727.5 9.769 Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xx N/A Employed Employed No No No  
xx 500503     xx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Yes No Yes No No No No No No No Yes 13835 10.56 Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xx N/A Employed Employed No No No  
xx 564202     xx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Yes Yes Yes No No No No No No No Yes 17015 10.405 Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xx N/A Employed   No   No  
xx 557736     xx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No Yes 8387.5 8.839 Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xx N/A Employed Unknown No No No  
xx 506187     xx ATR/QM: Not Applicable ATR/QM: Not Applicable No     Yes   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A xx N/A Employed Employed No No Yes Present
xx 518932     xx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No Yes 14165 9.141 Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xx N/A Employed   No   No  
xx 576080     xx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A xx N/A Employed   No   Yes Present
xx 554825     xx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 6190 9.069 Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xx N/A Employed   No   No  
xx 511466     xx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 6885 8.57 Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xx N/A Employed   No   No  
xx 513865     xx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 9290 8.723 Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xx N/A Employed   No   No  
xx 541258     xx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No Yes 24052.5 9.127 Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xx N/A Employed   No   No  
xx 587560     xx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A xx N/A Employed   No   Yes Present
xx 576697     xx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
xx 565780     xx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A xx       No   Yes Present
xx 585646     xx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A xx       No   Yes Present
xx 515682     xx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A xx       No   Yes Present
xx 572453     xx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 13790 9.028 Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xx N/A Employed Employed No No No  
xx 524001     xx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No No 13040 8.33 Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xx N/A Employed   No   No  
xx 576430     xx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
xx 529887     xx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 7110 8.479 Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xx N/A Employed   No   No  
xx 514657     xx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A xx       No No Yes Present
xx 508908     xx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No Yes 16282.5 10.036 Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xx N/A Employed Unknown No No No  
xx 558539     xx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No No 7785 9.189 Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xx N/A Employed Employed No No No  
xx 588755     xx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Yes Yes Yes No No No No No No No No 8035 11.47 Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xx N/A Employed   No   No  
xx 561209     xx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 9290 8.521 Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xx N/A Employed   No   No  
xx 511487     xx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No No 6815 8.357 Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xx N/A Employed   No   No  
xx 556456     xx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 6497 9.638 Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xx N/A Employed Employed No No No  
xx 548978     xx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A xx N/A Employed Unknown No No Yes Present
xx 561513     xx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 16415 8.674 Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xx N/A Employed Employed No No No  
xx 565140     xx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No No 18170 8.785 Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xx N/A Employed Employed No No No  
xx 517991     xx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 3665 9.147 Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xx N/A Employed   No   No  
xx 587693     xx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No No 6290 8.763 Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xx N/A Employed   No   No  
xx 510982     xx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No No 5790 9.355 Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xx N/A Employed Employed No No No  
xx 558040     xx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
xx 572956     xx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
xx 553606     xx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
xx 562866     xx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 8540 8.854 Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xx N/A Employed Employed No No No  
xx 575849     xx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Yes No Yes No No No No No No No No 4782.5 10.696 Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xx N/A Employed   No   No  
xx 534130     xx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No Yes 6790 10.103 Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xx N/A Employed   No   No  
xx 544698     xx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Yes No Yes No No No No No No No Yes 8445.63 11.48 Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xx N/A Employed   No   No  
xx 508009     xx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 13765 9.17 Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xx N/A Employed   No   No  
xx 527606     xx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 5727.5 8.893 Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xx N/A Employed   No   No  
xx 589572     xx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 6435 9.536 Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xx N/A Employed Not Employed No No No  
xx 542970     xx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A xx N/A Employed   No   Yes Present
xx 506349     xx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 15790 9.623 Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xx N/A Employed   No   No  
xx 500995     xx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 2790 9.945 Yes Yes N/A Yes N/A Yes Yes Yes Yes N/A xx N/A Employed Employed No No No  
xx 548745     xx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No No 10341.88 9.068 Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xx N/A Employed   No   No  
xx 595850     xx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No No 18040 10.123 Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xx N/A Employed   No   No  
xx 558186     xx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 9915 9.28 Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xx N/A Employed   No   No  
xx 536219     xx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No No 18085 9.16 Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xx N/A Employed Employed No No No  
xx 554670     xx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No No 18185 8.543 Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xx N/A Employed   No   No  
xx 515511     xx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Yes No Yes No No No No No No No No 10131.4 10.251 Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xx N/A Employed   No   No