COLT SECURITIZATION DEPOSITOR, LLC ABS-15G
Exhibit 99.20
| Loan ID | Mapped ID | Deal ID | Seller Loan ID | Investor Loan ID | Field Name | Verified Value | Bid Tape Value | Comment |
| XXXX | XXXX | 4350115791 | XXXX | XXXX | B1 Individual Tax Identification Number (ITIN)? | XXXX | XXXX | Not an ITIN file |
| XXXX | XXXX | 4350115642 | XXXX | XXXX | B1 Verified Citizenship Designation | XXXX | XXXX | loan approval and 1003 |
| XXXX | XXXX | 4350115645 | XXXX | XXXX | B1 Verified Citizenship Designation | XXXX | XXXX | verified with approval |
| XXXX | XXXX | 4350115660 | XXXX | XXXX | B1 Verified Citizenship Designation | XXXX | XXXX | Borrower is a foreign national |
| XXXX | XXXX | 4350115662 | XXXX | XXXX | B1 Verified Citizenship Designation | XXXX | XXXX | verified with documentation in file |
| XXXX | XXXX | 4350115649 | XXXX | XXXX | Borrower 1 Citizen | XXXX | XXXX | Final 1003 and docs in file support US Citizen |
| XXXX | XXXX | 4350115699 | XXXX | XXXX | Borrower 1 Citizen | XXXX | XXXX | 1003 validate true data |
| XXXX | XXXX | 4350115799 | XXXX | XXXX | Borrower 1 First Name | XXXX | XXXX | passport |
| XXXX | XXXX | 4350115667 | XXXX | XXXX | Borrower 1 Last Name | XXXX | XXXX | Borrower/Guarantor's last name |
| XXXX | XXXX | 4350115713 | XXXX | XXXX | Borrower 1 Last Name | XXXX | XXXX | Borrower's last name is XXXX |
| XXXX | XXXX | 4350115752 | XXXX | XXXX | Borrower 1 Last Name | XXXX | XXXX | Borrower name is XXXX. |
| XXXX | XXXX | 4350115756 | XXXX | XXXX | Borrower 1 Last Name | XXXX | XXXX | Per Commercial Promissory Note |
| XXXX | XXXX | 4350115758 | XXXX | XXXX | Borrower 1 Last Name | XXXX | XXXX | Per XXXX, borrower is XXXX, XXXX, a XXXX. |
| XXXX | XXXX | 4350115789 | XXXX | XXXX | Borrower 1 Last Name | XXXX | XXXX | Verified |
| XXXX | XXXX | 4350115674 | XXXX | XXXX | Borrower 1 Qualifying Income | XXXX | XXXX | DSCR loan does not require employment income to qualify. |
| XXXX | XXXX | 4350115699 | XXXX | XXXX | Borrower 1 Qualifying Income | XXXX | XXXX | verified |
| XXXX | XXXX | 4350115702 | XXXX | XXXX | Borrower 1 Qualifying Income | XXXX | XXXX | Per Loan Approval DSCR loan which doesn't require monthly income for qualifying. |
| XXXX | XXXX | 4350115705 | XXXX | XXXX | Borrower 1 Qualifying Income | XXXX | XXXX | rental income miscalculation |
| XXXX | XXXX | 4350115764 | XXXX | XXXX | Borrower 1 Qualifying Income | XXXX | XXXX | DSCR loan per Underwriting Conditional Approval. No income used in qualifying DSCR loans. |
| XXXX | XXXX | 4350115705 | XXXX | XXXX | Borrower 1 Self-Employment Flag | XXXX | XXXX | borrower is self employed |
| XXXX | XXXX | 4350115771 | XXXX | XXXX | Borrower 2 First Name | XXXX | XXXX | Verified |
| XXXX | XXXX | 4350115789 | XXXX | XXXX | Borrower 2 Last Name | XXXX | XXXX | Verified |
| XXXX | XXXX | 4350115658 | XXXX | XXXX | Calculated DSCR | XXXX | XXXX | Calculated based on $XXXX rent and $XXXX. No AirDNA or AirBNB to support using $XXXX rent. |
| XXXX | XXXX | 4350115663 | XXXX | XXXX | Calculated DSCR | XXXX | XXXX | Audit used current lease rent of $XXXX |
| XXXX | XXXX | 4350115685 | XXXX | XXXX | Calculated DSCR | XXXX | XXXX | finding added |
| XXXX | XXXX | 4350115686 | XXXX | XXXX | Calculated DSCR | XXXX | XXXX | Verified per pitia and rental amount on the appraisal. Guidelines state use the lower of lease and appraisal. No short term documents in the loan file. Unsure how lender received 1.033 ratio |
| XXXX | XXXX | 4350115711 | XXXX | XXXX | Calculated DSCR | XXXX | XXXX | Variance due to one month evidence of rental receipt documented vs. two months required per guidelines in order to use 120% of actual rents that are higher than the estimated market rent per 1007. |
| XXXX | XXXX | 4350115757 | XXXX | XXXX | Calculated DSCR | XXXX | XXXX | Verified as accurate from payment letter, lease and proof of rent used of $XXXX |
| XXXX | XXXX | 4350115758 | XXXX | XXXX | Calculated DSCR | XXXX | XXXX | Per ITIA documentation in file, using actual rents. |
| XXXX | XXXX | 4350115769 | XXXX | XXXX | Calculated DSCR | XXXX | XXXX | Audit DSCR is in line with the file documentation and the 1008. |
| XXXX | XXXX | 4350115824 | XXXX | XXXX | Calculated DSCR | XXXX | XXXX | Market rent reduction of XXXX% for vacant property per GL's.Lender used county taxes $XXXX quarterly as the property is new construction and has not been assessed. However, the appraisal shows $XXXX. The DSCR variance is significant XXXX vs XXXX. Review of the property taxes and DSCR is recommended. |
| XXXX | XXXX | 4350115825 | XXXX | XXXX | Calculated DSCR | XXXX | XXXX | approval is missing |
| XXXX | XXXX | 4350115779 | XXXX | XXXX | Cash out Include Debt Paid at Close | XXXX | XXXX | Verified with closing disclosure |
| XXXX | XXXX | 4350115781 | XXXX | XXXX | Cash out Include Debt Paid at Close | XXXX | XXXX | Verified with final CD |
| XXXX | XXXX | 4350115784 | XXXX | XXXX | Cash out Include Debt Paid at Close | XXXX | XXXX | Verified per cd |
| XXXX | XXXX | 4350115788 | XXXX | XXXX | Cash out Include Debt Paid at Close | XXXX | XXXX | verified with closing disclosure |
| XXXX | XXXX | 4350115793 | XXXX | XXXX | Cash out Include Debt Paid at Close | XXXX | XXXX | CD $XXXX |
| XXXX | XXXX | 4350115794 | XXXX | XXXX | Cash out Include Debt Paid at Close | XXXX | XXXX | Verified with final CD |
| XXXX | XXXX | 4350115798 | XXXX | XXXX | Cash out Include Debt Paid at Close | XXXX | XXXX | verified with closing disclosure |
| XXXX | XXXX | 4350115800 | XXXX | XXXX | Cash out Include Debt Paid at Close | XXXX | XXXX | Per Final Closing Disclosure XXXX |
| XXXX | XXXX | 4350115803 | XXXX | XXXX | Cash out Include Debt Paid at Close | XXXX | XXXX | Actaul cash out based on final CD. |
| XXXX | XXXX | 4350115808 | XXXX | XXXX | Cash out Include Debt Paid at Close | XXXX | XXXX | verified with closing disclosure |
| XXXX | XXXX | 4350115813 | XXXX | XXXX | Cash out Include Debt Paid at Close | XXXX | XXXX | Verified with final CD |
| XXXX | XXXX | 4350115814 | XXXX | XXXX | Cash out Include Debt Paid at Close | XXXX | XXXX | verified with final CD |
| XXXX | XXXX | 4350115817 | XXXX | XXXX | Cash out Include Debt Paid at Close | XXXX | XXXX | Missing settlement statement |
| XXXX | XXXX | 4350115820 | XXXX | XXXX | Cash out Include Debt Paid at Close | XXXX | XXXX | Verified with final CD. |
| XXXX | XXXX | 4350115676 | XXXX | XXXX | Final Reviewed QM Status | XXXX | XXXX | DSCR is exempt |
| XXXX | XXXX | 4350115677 | XXXX | XXXX | Final Reviewed QM Status | XXXX | XXXX | Investment transactions are not subject to QM/ATR requirements. |
| XXXX | XXXX | 4350115678 | XXXX | XXXX | Final Reviewed QM Status | XXXX | XXXX | investment properties are exempt |
| XXXX | XXXX | 4350115681 | XXXX | XXXX | Final Reviewed QM Status | XXXX | XXXX | Investment transactions are not subject to QM/ATR requirements. |
| XXXX | XXXX | 4350115682 | XXXX | XXXX | Final Reviewed QM Status | XXXX | XXXX | DSCR loans do not require ATR |
| XXXX | XXXX | 4350115685 | XXXX | XXXX | Final Reviewed QM Status | XXXX | XXXX | DSCR is exempt |
| XXXX | XXXX | 4350115693 | XXXX | XXXX | Final Reviewed QM Status | XXXX | XXXX | Investment transactions are not subject to QM/ATR requirements. |
| XXXX | XXXX | 4350115703 | XXXX | XXXX | Final Reviewed QM Status | XXXX | XXXX | DSCR loans are ATR/QM Exempt |
| XXXX | XXXX | 4350115706 | XXXX | XXXX | Final Reviewed QM Status | XXXX | XXXX | DSCR |
| XXXX | XXXX | 4350115707 | XXXX | XXXX | Final Reviewed QM Status | XXXX | XXXX | DSCR loans do not require ATR |
| XXXX | XXXX | 4350115824 | XXXX | XXXX | Final Reviewed QM Status | XXXX | XXXX | DSCR loans do not require ATR |
| XXXX | XXXX | 4350115656 | XXXX | XXXX | Interest Rate | XXXX | XXXX | per note rate 7.875% |
| XXXX | XXXX | 4350115779 | XXXX | XXXX | Interest Rate | XXXX | XXXX | verified with Note |
| XXXX | XXXX | 4350115786 | XXXX | XXXX | Interest Rate | XXXX | XXXX | Note |
| XXXX | XXXX | 4350115794 | XXXX | XXXX | Interest Rate | XXXX | XXXX | Verified with Note |
| XXXX | XXXX | 4350115799 | XXXX | XXXX | Interest Rate | XXXX | XXXX | Note |
| XXXX | XXXX | 4350115803 | XXXX | XXXX | Interest Rate | XXXX | XXXX | Rate is 9.625% per note. |
| XXXX | XXXX | 4350115811 | XXXX | XXXX | Interest Rate | XXXX | XXXX | Per the note and loan approval the interest rate is 7.75% |
| XXXX | XXXX | 4350115815 | XXXX | XXXX | Interest Rate | XXXX | XXXX | note confirm 7.75% |
| XXXX | XXXX | 4350115822 | XXXX | XXXX | Interest Rate | XXXX | XXXX | Used rate found on the Note. |
| XXXX | XXXX | 4350115826 | XXXX | XXXX | Interest Rate | XXXX | XXXX | Per the note the rate is 8% |
| XXXX | XXXX | 4350115724 | XXXX | XXXX | Loan Amount | XXXX | XXXX | Per Note and 1008. |
| XXXX | XXXX | 4350115739 | XXXX | XXXX | Loan Amount | XXXX | XXXX | Per NOTE loan amount is $XXXX |
| XXXX | XXXX | 4350115781 | XXXX | XXXX | Loan Amount | XXXX | XXXX | Verified with Note |
| XXXX | XXXX | 4350115785 | XXXX | XXXX | Loan Amount | XXXX | XXXX | verified with Note |
| XXXX | XXXX | 4350115786 | XXXX | XXXX | Loan Amount | XXXX | XXXX | Note |
| XXXX | XXXX | 4350115826 | XXXX | XXXX | Loan Amount | XXXX | XXXX | Per note and deed the loan amount is $XXXX |
| XXXX | XXXX | 4350115718 | XXXX | XXXX | Loan Program | XXXX | XXXX | Verified |
| XXXX | XXXX | 4350115721 | XXXX | XXXX | Loan Program | XXXX | XXXX | The loan program is DSCR Investor Solutions 3 |
| XXXX | XXXX | 4350115708 | XXXX | XXXX | Loan Purpose | XXXX | XXXX | Cash Out Refi per approval and 1008> Fraudguard showed borrower acquired subject property XXXX. |
| XXXX | XXXX | 4350115779 | XXXX | XXXX | Loan Type | XXXX | XXXX | DSCR |
| XXXX | XXXX | 4350115781 | XXXX | XXXX | Loan Type | XXXX | XXXX | Verified per program |
| XXXX | XXXX | 4350115785 | XXXX | XXXX | Loan Type | XXXX | XXXX | loan was approved as DSCR |
| XXXX | XXXX | 4350115788 | XXXX | XXXX | Loan Type | XXXX | XXXX | DSCR loan |
| XXXX | XXXX | 4350115793 | XXXX | XXXX | Loan Type | XXXX | XXXX | DSCR |
| XXXX | XXXX | 4350115794 | XXXX | XXXX | Loan Type | XXXX | XXXX | Loan was documented as a DSCR |
| XXXX | XXXX | 4350115798 | XXXX | XXXX | Loan Type | XXXX | XXXX | loan is DSCR |
| XXXX | XXXX | 4350115800 | XXXX | XXXX | Loan Type | XXXX | XXXX | Per Loan Approval and 1008 |
| XXXX | XXXX | 4350115805 | XXXX | XXXX | Loan Type | XXXX | XXXX | Per Loan Approval Product Code transaction is DSCR. |
| XXXX | XXXX | 4350115806 | XXXX | XXXX | Loan Type | XXXX | XXXX | loan is DSCR |
| XXXX | XXXX | 4350115807 | XXXX | XXXX | Loan Type | XXXX | XXXX | Loan is DSCR |
| XXXX | XXXX | 4350115811 | XXXX | XXXX | Loan Type | XXXX | XXXX | Loan is DSCR |
| XXXX | XXXX | 4350115815 | XXXX | XXXX | Loan Type | XXXX | XXXX | DSCR |
| XXXX | XXXX | 4350115817 | XXXX | XXXX | Loan Type | XXXX | XXXX | Verified with program |
| XXXX | XXXX | 4350115818 | XXXX | XXXX | Loan Type | XXXX | XXXX | DSCR per Loan Approval/program |
| XXXX | XXXX | 4350115821 | XXXX | XXXX | Loan Type | XXXX | XXXX | DSCR per loan approval and program |
| XXXX | XXXX | 4350115826 | XXXX | XXXX | Loan Type | XXXX | XXXX | Verified per documents in file that loan is a DSCR |
| XXXX | XXXX | 4350115743 | XXXX | XXXX | Note Date | XXXX | XXXX | final application date XXXX |
| XXXX | XXXX | 4350115745 | XXXX | XXXX | Note Date | XXXX | XXXX | Per Note - Document date |
| XXXX | XXXX | 4350115749 | XXXX | XXXX | Note Date | XXXX | XXXX | Per the note |
| XXXX | XXXX | 4350115750 | XXXX | XXXX | Note Date | XXXX | XXXX | verified with Note |
| XXXX | XXXX | 4350115781 | XXXX | XXXX | Originator DSCR | XXXX | XXXX | verified as final DSCR ratio |
| XXXX | XXXX | 4350115792 | XXXX | XXXX | Originator DSCR | XXXX | XXXX | DSCR verified, and matches UW notes on 1008 |
| XXXX | XXXX | 4350115798 | XXXX | XXXX | Originator DSCR | XXXX | XXXX | verified with approval |
| XXXX | XXXX | 4350115806 | XXXX | XXXX | Originator DSCR | XXXX | XXXX | DSCR is 1.098 per the 1008 |
| XXXX | XXXX | 4350115807 | XXXX | XXXX | Originator DSCR | XXXX | XXXX | Per the documentation in file |
| XXXX | XXXX | 4350115811 | XXXX | XXXX | Originator DSCR | XXXX | XXXX | Per loan approval the DSCR is .78 |
| XXXX | XXXX | 4350115817 | XXXX | XXXX | Originator DSCR | XXXX | XXXX | Verified per 1008 |
| XXXX | XXXX | 4350115818 | XXXX | XXXX | Originator DSCR | XXXX | XXXX | 1008 confirms DSCR of 1.042% |
| XXXX | XXXX | 4350115826 | XXXX | XXXX | Originator DSCR | XXXX | XXXX | Audit is in line with the file documentation and the 1008 |
| XXXX | XXXX | 4350115679 | XXXX | XXXX | Prepayment Penalty Calculation | XXXX | XXXX | Per Prepayment Addendum To Note |
| XXXX | XXXX | 4350115684 | XXXX | XXXX | Prepayment Penalty Total Term | XXXX | XXXX | Verified via source docs |
| XXXX | XXXX | 4350115792 | XXXX | XXXX | Prepayment Penalty Total Term | XXXX | XXXX | Loan closed without a PPP |
| XXXX | XXXX | 4350115708 | XXXX | XXXX | Property Address | XXXX | XXXX | Per Note and 1004 appraisal report. |
| XXXX | XXXX | 4350115736 | XXXX | XXXX | Property Address | XXXX | XXXX | Per 1004 appraisal report |
| XXXX | XXXX | 4350115640 | XXXX | XXXX | Property Type | XXXX | XXXX | Verified with appraisal |
| XXXX | XXXX | 4350115649 | XXXX | XXXX | Property Type | XXXX | XXXX | This is a Condo per appraisal |
| XXXX | XXXX | 4350115652 | XXXX | XXXX | Property Type | XXXX | XXXX | Per appraisal 3 unit property |
| XXXX | XXXX | 4350115653 | XXXX | XXXX | Property Type | XXXX | XXXX | per appraisal 2 units |
| XXXX | XXXX | 4350115654 | XXXX | XXXX | Property Type | XXXX | XXXX | Subject is a Condotel per appraisal and lock. |
| XXXX | XXXX | 4350115655 | XXXX | XXXX | Property Type | XXXX | XXXX | Per 1025 appraisal report |
| XXXX | XXXX | 4350115660 | XXXX | XXXX | Property Type | XXXX | XXXX | Verified with appraisal |
| XXXX | XXXX | 4350115676 | XXXX | XXXX | Property Type | XXXX | XXXX | Per appraisal property has 3 units |
| XXXX | XXXX | 4350115685 | XXXX | XXXX | Property Type | XXXX | XXXX | Verified per appraisal and 1008 |
| XXXX | XXXX | 4350115699 | XXXX | XXXX | Property Type | XXXX | XXXX | PUD per appraisal |
| XXXX | XXXX | 4350115700 | XXXX | XXXX | Property Type | XXXX | XXXX | Verified |
| XXXX | XXXX | 4350115730 | XXXX | XXXX | Property Type | XXXX | XXXX | appraisal |
| XXXX | XXXX | 4350115764 | XXXX | XXXX | Property Type | XXXX | XXXX | Per 1004 appraisal report |
| XXXX | XXXX | 4350115769 | XXXX | XXXX | Property Type | XXXX | XXXX | Verified via source docs |
| XXXX | XXXX | 4350115770 | XXXX | XXXX | Property Type | XXXX | XXXX | veriried with appraisal |
| XXXX | XXXX | 4350115771 | XXXX | XXXX | Property Type | XXXX | XXXX | Verified with appraisal |
| XXXX | XXXX | 4350115777 | XXXX | XXXX | Property Type | XXXX | XXXX | Verified with questionnaire |
| XXXX | XXXX | 4350115800 | XXXX | XXXX | Property Type | XXXX | XXXX | Per 1004 appraisal report |
| XXXX | XXXX | 4350115721 | XXXX | XXXX | Property Zip Code | XXXX | XXXX | Zip code per Note, Deed, Title is XXXX |
| XXXX | XXXX | 4350115755 | XXXX | XXXX | Qualifying CLTV | XXXX | XXXX | CLTV is 62.65% |
| XXXX | XXXX | 4350115757 | XXXX | XXXX | Qualifying CLTV | XXXX | XXXX | verified |
| XXXX | XXXX | 4350115758 | XXXX | XXXX | Qualifying CLTV | XXXX | XXXX | CLTV based on 1004 appraisal report value. |
| XXXX | XXXX | 4350115759 | XXXX | XXXX | Qualifying CLTV | XXXX | XXXX | Verified |
| XXXX | XXXX | 4350115658 | XXXX | XXXX | Qualifying FICO | XXXX | XXXX | 771 is the lowest mid score |
| XXXX | XXXX | 4350115678 | XXXX | XXXX | Qualifying FICO | XXXX | XXXX | missing gap credit report |
| XXXX | XXXX | 4350115681 | XXXX | XXXX | Qualifying FICO | XXXX | XXXX | Lowest mid-score between both borrowers. Guidelines state representative credit score of the primary wage earner for programs except DSCR. Guidelines do not specify the representative credit score methodology for DSCR program. |
| XXXX | XXXX | 4350115767 | XXXX | XXXX | Qualifying FICO | XXXX | XXXX | Verified as lowest mid score, stated on 1008 provided |
| XXXX | XXXX | 4350115776 | XXXX | XXXX | Qualifying FICO | XXXX | XXXX | XXXX is the lowest mid score. Guidelines do not specify which score to use in the event there is more than one borrower. |
| XXXX | XXXX | 4350115777 | XXXX | XXXX | Qualifying FICO | XXXX | XXXX | Verified with lowest median score of credit report in the file. |
| XXXX | XXXX | 4350115779 | XXXX | XXXX | Qualifying FICO | XXXX | XXXX | Verified with credit report. |
| XXXX | XXXX | 4350115788 | XXXX | XXXX | Qualifying FICO | XXXX | XXXX | verified with credit report |
| XXXX | XXXX | 4350115793 | XXXX | XXXX | Qualifying FICO | XXXX | XXXX | FICO used from credit report dated XXXX |
| XXXX | XXXX | 4350115803 | XXXX | XXXX | Qualifying FICO | XXXX | XXXX | Median score of the primary wage earner per guidelines |
| XXXX | XXXX | 4350115811 | XXXX | XXXX | Qualifying FICO | XXXX | XXXX | Per the approval the score used is XXXX |
| XXXX | XXXX | 4350115755 | XXXX | XXXX | Qualifying LTV | XXXX | XXXX | LTV is 62.65% |
| XXXX | XXXX | 4350115757 | XXXX | XXXX | Qualifying LTV | XXXX | XXXX | verified |
| XXXX | XXXX | 4350115758 | XXXX | XXXX | Qualifying LTV | XXXX | XXXX | LTV based on 1004 appraisal report value. |
| XXXX | XXXX | 4350115759 | XXXX | XXXX | Qualifying LTV | XXXX | XXXX | Verified |
| XXXX | XXXX | 4350115781 | XXXX | XXXX | Qualifying LTV | XXXX | XXXX | XXXX / XXXX |
| XXXX | XXXX | 4350115783 | XXXX | XXXX | Qualifying LTV | XXXX | XXXX | GLs require to use the lesser of appraised value or purchase price for a rate/term refinance when the property was acquired < 6 months from the note. 80% LTV based on sales price of $XXXX. |
| XXXX | XXXX | 4350115785 | XXXX | XXXX | Qualifying LTV | XXXX | XXXX | Verified with appraisal. approved loan amount is $XXXX instead of $XXXX |
| XXXX | XXXX | 4350115794 | XXXX | XXXX | Qualifying LTV | XXXX | XXXX | Verified LTV is 65% |
| XXXX | XXXX | 4350115798 | XXXX | XXXX | Qualifying LTV | XXXX | XXXX | verified with appraisal and approval |
| XXXX | XXXX | 4350115800 | XXXX | XXXX | Qualifying LTV | XXXX | XXXX | Per 1004 appraisal report and supported by Fannie Mae SSR in the amount of $XXXX: $XXXX/$XXXX = XXXX%. |
| XXXX | XXXX | 4350115826 | XXXX | XXXX | Qualifying LTV | XXXX | XXXX | Audit is in line with the file documentation and the 1008 |
| XXXX | XXXX | 4350115641 | XXXX | XXXX | Qualifying Total Debt Income Ratio | XXXX | XXXX | It appears that the originator added the old mortgage payment of $XXXX along with the new mortgage payment of $XXXX in the DTI. The correct DTI should reflect 14.89%. |
| XXXX | XXXX | 4350115644 | XXXX | XXXX | Qualifying Total Debt Income Ratio | XXXX | XXXX | Verified |
| XXXX | XXXX | 4350115665 | XXXX | XXXX | Qualifying Total Debt Income Ratio | XXXX | XXXX | Within guidelines and tolerance. |
| XXXX | XXXX | 4350115669 | XXXX | XXXX | Qualifying Total Debt Income Ratio | XXXX | XXXX | See findings |
| XXXX | XXXX | 4350115670 | XXXX | XXXX | Qualifying Total Debt Income Ratio | XXXX | XXXX | Within guidelines and tolerance. |
| XXXX | XXXX | 4350115672 | XXXX | XXXX | Qualifying Total Debt Income Ratio | XXXX | XXXX | Variance due to income |
| XXXX | XXXX | 4350115683 | XXXX | XXXX | Qualifying Total Debt Income Ratio | XXXX | XXXX | Within guidelines and tolerance. |
| XXXX | XXXX | 4350115688 | XXXX | XXXX | Qualifying Total Debt Income Ratio | XXXX | XXXX | liabilities miscalculation |
| XXXX | XXXX | 4350115734 | XXXX | XXXX | Qualifying Total Debt Income Ratio | XXXX | XXXX | Variance due to HOA on investment property not factored into the debt ratio at origination. See Fraud Manager report $XXXX monthly maximum HOA. |
| XXXX | XXXX | 4350115737 | XXXX | XXXX | Qualifying Total Debt Income Ratio | XXXX | XXXX | Final audit DTI 42.49% vs originator 38.98% variance in updated originator is the amount of PITIAS used for subj XXXX and REO XXXX XXXX. Still within guideline DTI approval. |
| XXXX | XXXX | 4350115741 | XXXX | XXXX | Qualifying Total Debt Income Ratio | XXXX | XXXX | Within guidelines and tolerance. |
| XXXX | XXXX | 4350115768 | XXXX | XXXX | Qualifying Total Debt Income Ratio | XXXX | XXXX | liabilities calculated using older credit report. |
| XXXX | XXXX | 4350115801 | XXXX | XXXX | Qualifying Total Debt Income Ratio | XXXX | XXXX | discrepancy on departure property expensed |
| XXXX | XXXX | 4350115802 | XXXX | XXXX | Qualifying Total Debt Income Ratio | XXXX | XXXX | Per file documentation and 1008. |
| XXXX | XXXX | 4350115803 | XXXX | XXXX | Qualifying Total Debt Income Ratio | XXXX | XXXX | Per file documentation and 1008 and audited DTI is 54%, |
| XXXX | XXXX | 4350115814 | XXXX | XXXX | Qualifying Total Debt Income Ratio | XXXX | XXXX | finding added |
| XXXX | XXXX | 4350115820 | XXXX | XXXX | Qualifying Total Debt Income Ratio | XXXX | XXXX | Supported by file documentation and 1008 |
| XXXX | XXXX | 4350115827 | XXXX | XXXX | Qualifying Total Debt Income Ratio | XXXX | XXXX | missing final settlement statements for other properties |
| XXXX | XXXX | 4350115779 | XXXX | XXXX | Qualifying Total Reserves Number of Months | XXXX | XXXX | 12 months are required. XXXX months verified |
| XXXX | XXXX | 4350115785 | XXXX | XXXX | Qualifying Total Reserves Number of Months | XXXX | XXXX | verified with cash out |
| XXXX | XXXX | 4350115788 | XXXX | XXXX | Qualifying Total Reserves Number of Months | XXXX | XXXX | Using cash out for reserves |
| XXXX | XXXX | 4350115790 | XXXX | XXXX | Qualifying Total Reserves Number of Months | XXXX | XXXX | Loan Amount > $XXXXM: XXXX-months of PITIA. Reserve requirements apply to the subject property loan only. Additional reserves are not required for additional financed properties. |
| XXXX | XXXX | 4350115794 | XXXX | XXXX | Qualifying Total Reserves Number of Months | XXXX | XXXX | Verified with file documentation |
| XXXX | XXXX | 4350115805 | XXXX | XXXX | Qualifying Total Reserves Number of Months | XXXX | XXXX | Variance due to two business accounts used for asset verification with no documentation provided to show borrower is a corporate owner and what the ownership percentage is. As a result, business accounts were omitted from the verified asset count. |
| XXXX | XXXX | 4350115814 | XXXX | XXXX | Qualifying Total Reserves Number of Months | XXXX | XXXX | cash out used as reserves |
| XXXX | XXXX | 4350115820 | XXXX | XXXX | Qualifying Total Reserves Number of Months | XXXX | XXXX | Based on file documentation including cash back |
| XXXX | XXXX | 4350115826 | XXXX | XXXX | Qualifying Total Reserves Number of Months | XXXX | XXXX | Verified reserves |
| XXXX | XXXX | 4350115659 | XXXX | XXXX | Reviewed Appraised Property Value | XXXX | XXXX | true avm/tape sale & appraisal amount |
| XXXX | XXXX | 4350115677 | XXXX | XXXX | Reviewed Total Debt Income Ratio | XXXX | XXXX | Verified via source docs |
| XXXX | XXXX | 4350115678 | XXXX | XXXX | Reviewed Total Debt Income Ratio | XXXX | XXXX | liabilities income calculation |
| XXXX | XXXX | 4350115733 | XXXX | XXXX | Term | XXXX | XXXX | Per NOTE term is 480 |
| XXXX | XXXX | 4350115656 | XXXX | XXXX | Underwriting Guideline Product Name | XXXX | XXXX | updated |
| XXXX | XXXX | 4350115669 | XXXX | XXXX | Underwriting Guideline Version Date | XXXX | XXXX | Most current guidelines dated XXXX available |
| XXXX | XXXX | 4350115670 | XXXX | XXXX | Underwriting Guideline Version Date | XXXX | XXXX | Verified XXXX guidelines were correct |
| XXXX | XXXX | 4350115707 | XXXX | XXXX | Underwriting Guideline Version Date | XXXX | XXXX | we have XXXX guidelines as the most recent |
| XXXX | XXXX | 4350115663 | XXXX | XXXX | Verified Doc Type | XXXX | XXXX | Verified |
| XXXX | XXXX | 4350115676 | XXXX | XXXX | Verified Doc Type | XXXX | XXXX | DSCR |
| XXXX | XXXX | 4350115678 | XXXX | XXXX | Verified Doc Type | XXXX | XXXX | only 12 months in file. finding issued |
| XXXX | XXXX | 4350115680 | XXXX | XXXX | Verified Doc Type | XXXX | XXXX | Loan documented as a DSCR. |
| XXXX | XXXX | 4350115713 | XXXX | XXXX | Verified Doc Type | XXXX | XXXX | Alt Doc - 12 month bank statements |
| XXXX | XXXX | 4350115736 | XXXX | XXXX | Verified Doc Type | XXXX | XXXX | Per 1008 supported by documentation in file. |
| XXXX | XXXX | 4350115774 | XXXX | XXXX | Verified Doc Type | XXXX | XXXX | Per Loan Approval |