Vista Point Assets LLC ABS-15G

Exhibit 99.5 - Schedule 5

 

Loan ID Seller Loan 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 Borrower1 SSN Borrower2 SSN Borrower 3 SSN Borrower 4 SSN First Time Homebuyer Number of Units Maturity Date Note Type Loan Type Refinance Purpose Borrower 1 Mailing Street Address Borrower 1 Mailing City Borrower 1 Mailing State Borrower 1 Mailing Zip Code Borrower 2 Mailing Street Address Borrower 2 Mailing City Borrower 2 Mailing State Borrower 2 Mailing Zip Code Borrower 3 Mailing Street Borrower 3 Mailing City Borrower 3 Mailing State Borrower 3 Mailing Zip Borrower 4 Mailing Street Borrower 4 Mailing City Borrower 4 Mailing Zip Borrower 4 Mailing State Prepay Penalty Calculation Description Borrower 1 First Name Borrower 1 Last Name Borrower 2 First Name Borrower 2 Last Name Borrower 3 First Name Borrower 3 Last Name Borrower 4 First Name Borrower 4 Last Name Borrower 1 Employer Borrower 1 Position Borrower 2 Employer Borrower 2 Position Borrower 3 Employer Borrower 3 Position Borrower 4 Employer Borrower 4 Position First Time Investor Borrower 1 Years in Industry Borrower 2 Years in Industry Borrower 3 Years in Industry Borrower 4 Years in Industry Borrower 1 ITIN Borrower 2 ITIN Borrower 3 ITIN Borrower 4 ITIN Original Appraiser License  Number Original Appraiser Name
637797     XXXXXX XXXXXX XXXXXX No XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A Alternate Income Documentation 12372.50 XXXXXX 6.620% Manual Underwriting Manual Underwriting No 9.157%   8.875% 8.875% XXXXXX No   XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX N/A     $0.00     42.70% 42.70% 42.70% No               Self-Employed           1YR Business P&L 0   NA   N/A 0     0 0     2 0 NA   No No 0 No No Yes 0 0 No       0.00% 100.00%   Stocks/Bonds Audited 12 CPA       Yes 240 No   NA 0 0 N/A     0   No 0     Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified - 2024, 2025 Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX       734                 No                                       NA     0       0     0     0   0 0.0 0.0 0.0 0 0 0 0 0 0 0 Unknown No     No US Citizen US Citizen N/A Real ID Driver's License   XXXXXX United States XXXXXX     N/A                                                                                   Fee Simple   No No N/A .00 0.0 XXXXXX 64.2 No 42.54 N/A No No No Borrower As Individual N/A N/A N/A XXXXXX       false 1 XXXXXX Fixed Conventional Cash Out - Other XXXXXX XXXXXX XXXXXX XXXXXX                         No Prepayment Penalty XXXXXX XXXXXX             XXXXXX XXXXXX               25.00       N/A       XXXXXX XXXXXX
615096     XXXXXX XXXXXX XXXXXX No XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A Alternate Income Documentation 2634.00 XXXXXX 6.660% Manual Underwriting Manual Underwriting No 10.212%   10.000%   XXXXXX No   XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX N/A     $0.00     15.54% 38.83% 38.83% No               Self-Employed           1YR 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%     Audited 12 CPA       Yes 24 No   NA 0 0 N/A     0   No 0     Borrower - SECorporation - CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified - 2024, 2025 Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX       706                 No                                       NA     0       0     0     0   0 0.0 0.0 0.0 0 0 0 0 0 0 0 Unknown No     No US Citizen US Citizen N/A Real ID Driver's License   XXXXXX United States XXXXXX     N/A                                                                                   Fee Simple   No No N/A .00 0.0 XXXXXX 32.0 No 73.13 N/A No No No Borrower As Individual N/A N/A N/A XXXXXX       false 1 XXXXXX Fixed Conventional Cash Out - Other XXXXXX XXXXXX XXXXXX XXXXXX                         No Prepayment Penalty XXXXXX XXXXXX             XXXXXX XXXXXX               6.42       N/A       XXXXXX XXXXXX
676752     XXXXXX XXXXXX XXXXXX No XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX QM: Safe Harbor APOR (APOR SH) Yes No No N/A N/A 4069.71 XXXXXX 6.880% Manual Underwriting Manual Underwriting No 9.497%   9.250% 9.250% XXXXXX No   XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX N/A     $0.00     40.33% 40.33% 40.33% No               Self-Employed           12 Month Bank Statement 0   NA   N/A 0     0 0     3 0 Yes   No No 0 No Yes Yes 0 12 No       87.59% 100.00%     N/A 0 N/A       Yes 0 No   NA 0 0 N/A     0   No 0     Borrower - SESoleProprietor, Other, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Award Letter Verified, Business Bank Statements Verified - 2024, 2025 Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX       767                 No                                       NA     0       0     0     0   0 0.0 0.0 0.0 0 0 0 0 0 0 0 Unknown No     No US Citizen US Citizen N/A Standard Driver's License - Not for federal use   XXXXXX United States XXXXXX     N/A                                                                                   Fee Simple   No No N/A .00 0.0 XXXXXX 42.9 No 79.92 N/A No No No Borrower As Individual N/A N/A N/A XXXXXX       false 1 XXXXXX Fixed Conventional Cash Out - Other XXXXXX XXXXXX XXXXXX XXXXXX                         No Prepayment Penalty XXXXXX XXXXXX             XXXXXX XXXXXX               7.83       N/A       XXXXXX XXXXXX