Exhibit 99.05
| SitusAMC Loan ID | Customer Loan ID | Seller Loan ID | Investor Loan Number | TILA Status Loan Designation | Exempt QM/ATR Equivalency | CDFI Bank Originated Loan | Application Date | TRID Tested | GSE | HOEPA Fees | TILA Fees | Rate Lock Date | Calculated APR | Original P&I | Qualifying P&I | Qualifying Rate | Is Borrower Non Occupant | Is Co Borrower Non Occupant | Borrower Employment Indicator | Co Borrower Employment Indicator | Co Borrower 2 Employment Indicator | Co Borrower 3 Employment Indicator | Co Borrower2 Length of Employment | Co Borrower3 Length of Employment | Borrower Foreign National Indicator | Co Borrower Foreign National Indicator | Co Borrower 2 Foreign National Indicator | Co Borrower 3 Foreign National Indicator | Borrower Country Name | Co Borrower Country Name | Co Borrower2 Country Name | Co Borrower3 Country Name | Residual Income | Num Units | Annual Property Tax | Annual Insurance Costs | Monthly Property Tax | Monthly Insurance Costs | HOA Name | HOA Address State | Fee Amount | Next Due Date | HOA Payment Frequency | Investor DTI | QM DTI | Non QM DTI | Original 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 Updated Credit Report Date | 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 | Most Recent Updated Co Borrower 2 FICO | Most Recent Updated Co Borrower 3 FICO | 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 | Asset Depletion Flag | Bank Statements Flag | Number of Statements | Type of Statements | Percent of Income From Statements | Borrower Business Ownership % | CoBorrower Business Ownership % | P&L Type | Income Doc Detail | Tax Return Doc Details | Document Level | Document Type | 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 Late 30d in 24m | Prior Mortgage/Rent Late 60d in 24m | Prior Mortgage/Rent Late 90d in 24m | Has ACH | Guideline Name | UW Guideline Author | ATR QM Total Points and Fees Audit | Loan Regulation Benchmark Date | Benchmark Rate | HUD 1 Page 1 Credits Total | Collateral Underwriter Risk Score | AUS Decision System | Property Inspection Waiver (PIW) | Rating Result | Eligible For Rep and Warrant Relief Per Collateral Advisor | Is Equity Shared Loan | Investor Qualifying Rate | Borrower Years of W2s | CoBorrower Years of W2s | Years of Personal Tax Returns | Years of Business Tax Returns | Years of 4506T | Years of Tax Transcripts | Months of Personal Bank Statements | Months of Business Bank Statements | Months of Profit and Loss Statements | Expense Letter | DSCR | Inverse DSCR | Subordinate Lien Type | Is Shared Appreciation Mortgage | Duration of Payout Months | Seller VSH Indicator | Seller Indicated VSH Guideline | Validated VSH | IO Remaining Amortization Term at Recast | Maturity Date | Borrower Own Funds Cash Amount | Borrower Own Funds Percent | Is the Note an eNote | Borrower WVOE - # of Months of Income provided | Co Borrower WVOE - # of Months of Income provided | Co Borrower2 WVOE - # of Months of Income provided | Co Borrower3 WVOE - # of Months of Income provided | Were the origination guidelines utilized for this diligence review? | Title Evidence | Ownership Type | Borrower Type | Borrower Designation | Co Borrower Type | Co Borrower Designation | Co Borrower2 Type | Co Borrower2 Designation | Co Borrower3 Type | Co Borrower3 Designation | Senior Lien Position | Senior Lien Original Loan Amount | Senior Lien Original Interest Rate | Senior Lien Note Projected Closing Date | Senior Lien Current Balance | Senior Lien Current P&I | Loan Closed in the Name of an Entity | Note Executed by | Assumable Mortgage Flag | Leasehold Flag | Buydown Flag | Borrower Experian FICO Model Used | Borrower Equifax FICO Model Used | Borrower TransUnion FICO Model Used | Co Borrower Experian FICO Model Used | Co Borrower Equifax FICO Model Used | Co Borrower TransUnion FICO Model Used | Co Borrower2 Experian FICO Model Used | Co Borrower2 Equifax FICO Model Used | Co Borrower2 TransUnion FICO Model Used | Co Borrower3 Experian FICO Model Used | Co Borrower3 Equifax FICO Model Used | Co Borrower3 TransUnion FICO Model Used | Borrower Documentation Used to Determine Legal Residency | Co Borrower Documentation Used to Determine Legal Residency | Co Borrower2 Documentation Used to Determine Legal Residency | Co Borrower3 Documentation Used to Determine Legal Residency | Delayed Financing? | Months Reserves | Correspondent Type | Departure Residence | Rate Increase on Default | MERS Min Number | Co Borrower Other Income | Co Borrower Wage Income | Primary Housing Lates 0 6 Months 30 | Primary Housing Lates 0 6 Months 60 | Primary Housing Lates 0 6 Months 90 | Primary Housing Lates 7 12 Months 30 | Primary Housing Lates 7 12 Months 60 | Primary Housing Lates 7 12 Months 90 | Primary Housing Lates 13 24 Months 30 | Primary Housing Lates 13 24 Months 60 | Primary Housing Lates 13 24 Months 90 | Primary Housing Lates 25 36 Months 30 | Primary Housing Lates 25 36 Months 60 | Primary Housing Lates 25 36 Months 90 | Borrower 1 ITIN Flag | Borrower 2 ITIN Flag | Borrower 3 ITIN Flag | Borrower 4 ITIN Flag |
| XXXX | 6000076930 | XXXX | Non QM | Yes | No | $8,660.63 | $12,362.90 | 4.722% | XXXX | XXXX | 4.500% | No | No | Self-Employed | US Citizen | $30,972.39 | 1 | $6,606.48 | $1,710.00 | $550.54 | $142.50 | 13.427% | 13.427% | 13.427% | XXXX | 733 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $8,660.63 | 3.030% | $0.00 | 2.6 | None | N/A | No | 4.500% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | XXXX | XXXX | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 12.19 | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000011073 | XXXX | N/A | No | No | XXXX | XXXX | 7.750% | No | No | US Citizen | 2 | $8,402.64 | $1,944.96 | $700.22 | $162.08 | 0.000% | 0.000% | 0.000% | XXXX | 702 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.08 | 0.93 | 240 | XXXX | XXXX | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 21.39 | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000048489 | XXXX | N/A | No | No | XXXX | XXXX | 7.625% | No | No | US Citizen | 1 | $1,596.96 | $1,281.00 | $133.08 | $106.75 | 0.000% | 0.000% | 0.000% | XXXX | 748 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXX | $0.00 | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.53 | 0.66 | XXXX | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 34.21 | Yes | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000048840 | XXXX | N/A | No | No | XXXX | XXXX | 8.250% | No | No | US Citizen | 1 | $9,953.28 | $7,936.08 | $829.44 | $661.34 | 0.000% | 0.000% | 0.000% | XXXX | 807 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 1.0 | Yes | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.78 | 1.28 | XXXX | XXXX | 86.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 80.39 | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000056772 | XXXX | N/A | No | No | XXXX | XXXX | 10.250% | No | No | US Citizen | US Citizen | 1 | $5,465.88 | $4,768.92 | $455.49 | $397.41 | 0.000% | 0.000% | 0.000% | XXXX | 715 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 1.0 | Yes | No | 10.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.86 | 1.17 | XXXX | XXXX | 37.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 5.19 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000054001 | XXXX | N/A | No | No | XXXX | XXXX | 7.125% | No | No | US Citizen | 1 | $2,578.20 | $1,200.36 | $214.85 | $100.03 | 0.000% | 0.000% | 0.000% | XXXX | 677 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 1.0 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | XXXX | XXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 49.36 | Yes | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000055825 | XXXX | N/A | No | No | XXXX | XXXX | 8.000% | No | No | US Citizen | 1 | $988.80 | $989.04 | $82.40 | $82.42 | 0.000% | 0.000% | 0.000% | XXXX | 735 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 1.0 | No | No | 8.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.47 | 0.68 | XXXX | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 6.92 | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000054091 | XXXX | N/A | No | No | XXXX | XXXX | 7.375% | No | No | US Citizen | US Citizen | 2 | $6,600.00 | $975.12 | $550.00 | $81.26 | 0.000% | 0.000% | 0.000% | XXXX | 760 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.12 | 0.9 | XXXX | XXXX | 58.000% | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 42.33 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000057175 | XXXX | N/A | No | No | XXXX | XXXX | 7.750% | No | No | US Citizen | 4 | $7,859.28 | $4,617.00 | $654.94 | $384.75 | 0.000% | 0.000% | 0.000% | XXXX | 724 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.62 | 0.62 | XXXX | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 12.39 | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000061236 | XXXX | Non QM | Yes | No | $14,630.00 | $1,894.31 | 8.125% | XXXX | XXXX | 8.125% | No | No | Self-Employed | US Citizen | $31,324.32 | 1 | $11,439.96 | $3,478.68 | $953.33 | $289.89 | 29.184% | 29.184% | 29.184% | XXXX | 784 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2024 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $14,630.00 | 6.890% | $8,068.20 | 2.8 | None | No | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | XXXX | 5.000% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | Yes | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 67.55 | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000063558 | XXXX | N/A | No | No | XXXX | XXXX | 8.250% | No | No | US Citizen | 2 | $5,937.00 | $3,449.52 | $494.75 | $287.46 | 0.000% | 0.000% | 0.000% | XXXX | 669 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | No | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.24 | 0.45 | XXXX | XXXX | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 43.74 | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000061936 | XXXX | N/A | No | No | XXXX | XXXX | 7.500% | No | No | US Citizen | 1 | $2,264.64 | $1,294.32 | $188.72 | $107.86 | 0.000% | 0.000% | 0.000% | XXXX | 726 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 1.0 | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.54 | 0.65 | XXXX | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 72.37 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000062978 | XXXX | N/A | No | No | $0.00 | $0.00 | 7.621% | XXXX | XXXX | 7.625% | No | No | Employed | US Citizen | $7,852.74 | 1 | $8,289.96 | $3,019.08 | $690.83 | $251.59 | 48.843% | 48.843% | 48.843% | XXXX | 783 | No | No | [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Non-Primary Income - Housing Allowance]; Employer Letter - 2025 |
[Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2021 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXX | 6.980% | $10,000.00 | 1.0 | DU | ApproveEligible | Yes | No | 7.625% | 0 | 1 | 0 | 3 | 1 | 0.00 | No | XXXX | XXXX | 56.000% | No | 24 | Yes | Commitment | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 45.54 | No | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000064221 | XXXX | N/A | No | No | XXXX | XXXX | 8.250% | No | No | US Citizen | 1 | $2,388.36 | $1,992.24 | $199.03 | $166.02 | 0.000% | 0.000% | 0.000% | XXXX | 741 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 1.0 | Yes | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.3 | 0.77 | XXXX | XXXX | 27.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 7.74 | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000062623 | XXXX | N/A | No | No | XXXX | XXXX | 9.250% | No | No | US Citizen | 1 | $7,972.92 | $6,672.12 | $664.41 | $556.01 | 0.000% | 0.000% | 0.000% | XXXX | 770 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 1.0 | Yes | No | 9.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.63 | 1.59 | XXXX | XXXX | 80.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 67.21 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000064398 | XXXX | Non QM | Yes | No | $7,551.30 | $12,178.42 | 8.177% | XXXX | XXXX | 8.000% | No | No | Self-Employed | US Citizen | $8,659.88 | 1 | $7,606.80 | $168.96 | $633.90 | $14.08 | 51.884% | 51.884% | 51.884% | XXXX | 782 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $7,551.30 | 6.930% | $2,000.00 | 1.0 | None | N/A | No | 8.000% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | XXXX | 8.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 10.45 | Yes | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000061581 | XXXX | N/A | No | No | XXXX | XXXX | 8.500% | No | No | US Citizen | 1 | $22,190.16 | $1,917.96 | $1,849.18 | $159.83 | 0.000% | 0.000% | 0.000% | XXXX | 698 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | Yes | No | 8.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.64 | 1.56 | XXXX | XXXX | 52.000% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 6.02 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000063651 | XXXX | N/A | No | No | $3,335.40 | $5,451.86 | 8.786% | XXXX | XXXX | 8.500% | No | No | Self-Employed | US Citizen | $12,303.72 | 1 | $2,028.60 | $1,547.04 | $169.05 | $128.92 | 49.734% | 49.734% | 49.734% | XXXX | 737 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2022 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $3,335.40 | 7.070% | $0.00 | 1.0 | None | No | No | 8.500% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXX | XXXX | 28.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 49.97 | No | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000062577 | XXXX | N/A | No | No | XXXX | XXXX | 8.000% | No | No | 0 | US Citizen | US Citizen | 1 | $5,554.32 | $957.96 | $462.86 | $79.83 | 0.000% | 0.000% | 0.000% | XXXX | 768 | Level 2-Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 2.5 | No | No | 8.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.34 | 0.75 | XXXX | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 58.88 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000062239 | XXXX | N/A | No | No | XXXX | XXXX | 7.500% | No | No | US Citizen | 1 | $2,383.56 | $312.00 | $198.63 | $26.00 | 0.000% | 0.000% | 0.000% | XXXX | 760 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 2.3 | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.77 | 1.31 | XXXX | XXXX | 60.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 42.94 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000061295 | XXXX | Non QM | Yes | No | $16,902.00 | $17,442.58 | 10.084% | XXXX | XXXX | 9.625% | No | No | Self-Employed | US Citizen | $28,590.41 | 1 | $6,359.76 | $3,245.04 | $529.98 | $270.42 | 18.099% | 18.099% | 18.099% | XXXX | 750 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $16,902.00 | 6.900% | $3,500.00 | 3.0 | None | N/A | No | 9.625% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 19.23 | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000065226 | XXXX | Safe Harbor QM (APOR) | Yes | No | $2,794.00 | $5,567.23 | 7.572% | XXXX | XXXX | 7.375% | No | No | Employed | Employed | US Citizen | US Citizen | $13,471.24 | 1 | $6,125.04 | $1,035.00 | $510.42 | $86.25 | 48.768% | 48.768% | 48.768% | XXXX | 784 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Non-Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Non-Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Non-Primary Income - Wages]; The Work Number - Income - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1040 - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 1040 - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXX | $2,794.00 | 6.920% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 7.375% | 2 | 0 | 2 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXX | XXXX | 3.000% | No | 0 | 24 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 40.57 | No | No | $0.00 | $14,290.74 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000062600 | XXXX | Non QM | Yes | No | $13,918.54 | $6,328.37 | 7.420% | XXXX | XXXX | 7.375% | No | No | Self-Employed | US Citizen | $10,598.53 | 1 | $13,537.08 | $2,643.00 | $1,128.09 | $220.25 | 46.690% | 46.690% | 46.690% | XXXX | 765 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $13,918.54 | 6.980% | $0.00 | 4.0 | None | Yes | No | 7.375% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | XXXX | XXXX | 5.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 10.31 | No | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000062975 | XXXX | Non QM | Yes | No | $6,990.00 | $9,704.33 | 8.918% | XXXX | XXXX | 8.750% | No | No | Not Employed | Self-Employed | US Citizen | US Citizen | $45,563.54 | 1 | $11,001.72 | $4,671.96 | $916.81 | $389.33 | 23.114% | 23.114% | 23.114% | XXXX | 673 | No | Yes | 12 | Business | 100.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $6,990.00 | 6.980% | $0.00 | 5.0 | None | N/A | No | 8.750% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXX | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 64.8 | No | No | $59,260.92 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000062893 | XXXX | Non QM | Yes | No | $1,695.00 | $3,500.39 | 7.277% | XXXX | XXXX | 7.250% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $5,738.17 | 1 | $13,988.28 | $2,273.04 | $1,165.69 | $189.42 | 54.950% | 54.950% | 54.950% | XXXX | 748 | No | Yes | 24 | Business | 100.000% | 50.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2011 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2011 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2024 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2011 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2011 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | No | XXXX | $1,695.00 | 6.870% | $0.00 | 2.1 | None | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 2 | 0 | 24 | 0.00 | No | XXXX | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 14.34 | No | $6,368.60 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000062998 | XXXX | Non QM | Yes | No | $1,640.00 | $9,094.80 | 7.027% | XXXX | XXXX | 7.000% | No | No | Employed | Permanent Resident Alien | $24,047.57 | 1 | $35,196.96 | $6,812.04 | $2,933.08 | $567.67 | 47.393% | 47.393% | 47.393% | XXXX | 761 | No | No | [Borrower - | Primary Income - Wages]; Other - 2025 [Borrower - | Primary Income - Wages]; Other - 2025 [Borrower - | Primary Income - Wages]; Other - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 [Borrower - | Primary Income - Wages]; Paystubs - 2023 [Borrower - | Primary Income - Wages]; Paystubs - 2023 [Borrower - | Primary Income - Wages]; Paystubs - 2023 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2022 |
[Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - No Results Returned - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1040 - 2022 [Borrower]; 4506-C - 2022 [Borrower]; Transcripts (1040) - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | Yes | XXXX | $1,640.00 | 6.980% | $0.00 | 2.6 | None | Yes | No | 7.000% | 3 | 2 | 0 | 3 | 2 | 0.00 | No | XXXX | XXXX | 25.000% | No | 12 | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 78.91 | No | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000065497 | XXXX | Non QM | Yes | No | $14,895.00 | $17,797.55 | 8.551% | XXXX | XXXX | 8.972% | No | No | Employed | Permanent Resident Alien | $4,502.41 | 1 | $5,882.88 | $3,690.00 | $490.24 | $307.50 | 47.031% | 46.059% | 47.031% | XXXX | 724 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | Yes | XXXX | $14,895.00 | 6.920% | $0.00 | None | N/A | No | 8.972% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXX | XXXX | 55.000% | No | 36 | Yes | Final | Fee Simple | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 7.3 | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000061047 | XXXX | N/A | No | No | XXXX | XXXX | 7.875% | No | No | US Citizen | 2 | $9,460.56 | $1,892.04 | $788.38 | $157.67 | 0.000% | 0.000% | 0.000% | XXXX | 747 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXX | $0.00 | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.14 | 0.88 | XXXX | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 12.47 | Yes | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000064032 | XXXX | N/A | No | No | XXXX | XXXX | 7.625% | No | No | US Citizen | 1 | $3,080.40 | $705.96 | $256.70 | $58.83 | 0.000% | 0.000% | 0.000% | XXXX | 747 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXX | $0.00 | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.45 | 0.69 | XXXX | XXXX | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 27.66 | Yes | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000066573 | XXXX | N/A | No | No | XXXX | XXXX | 8.625% | No | No | US Citizen | 1 | $3,571.68 | $1,393.92 | $297.64 | $116.16 | 0.000% | 0.000% | 0.000% | XXXX | 743 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 1.0 | Yes | No | 8.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.72 | 1.4 | XXXX | XXXX | 3.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 3.6 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000066533 | XXXX | Non QM | Yes | No | $18,035.00 | $20,353.29 | 6.650% | XXXX | XXXX | 6.375% | No | No | Self-Employed | US Citizen | $27,991.15 | 1 | $23,555.04 | $3,459.96 | $1,962.92 | $288.33 | 20.166% | 20.166% | 20.166% | XXXX | 799 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2024 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2024 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXX | $18,035.00 | 6.870% | $0.00 | 1.3 | None | Yes | No | 6.375% | 0 | 0 | 0 | 2 | 0 | 12.00 | No | XXXX | XXXX | 88.000% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 64.66 | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000063752 | XXXX | N/A | No | Yes | $0.00 | 7.234% | XXXX | XXXX | 7.250% | No | No | Employed | Permanent Resident Alien | $18,180.42 | 1 | $988.80 | $1,125.96 | $82.40 | $93.83 | 45.459% | 45.459% | 45.459% | XXXX | 784 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1040 - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXX | 6.880% | $0.00 | 2.1 | DU | ApproveEligible | No | No | 7.250% | 2 | 2 | 0 | 3 | 0 | 0.00 | No | XXXX | XXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 579.69 | No | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000064504 | XXXX | Non QM | Yes | No | $10,459.00 | $12,035.74 | 7.303% | XXXX | XXXX | 6.875% | No | No | Employed | US Citizen | $9,928.00 | 1 | $4,755.72 | $1,554.00 | $396.31 | $129.50 | 34.684% | 34.684% | 34.684% | XXXX | 706 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXX | $10,459.00 | 6.930% | $0.00 | 1.1 | None | N/A | No | 6.875% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | XXXX | XXXX | 31.000% | No | 24 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 7.51 | No | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000064515 | XXXX | Safe Harbor QM (APOR) | Yes | Yes | $1,615.00 | $1,549.33 | 7.150% | XXXX | XXXX | 7.125% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $11,268.39 | 1 | $3,464.76 | $0.00 | $288.73 | $0.00 | 48.097% | 48.097% | 48.097% | XXXX | 783 | No | No | [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Borrower - | Non-Primary Income - IRA Distribution]; Account Statements - 2025 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2021 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2021 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | No | XXXX | $1,615.00 | 6.930% | $5,000.00 | 1.9 | DU | ApproveEligible | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXX | XXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 337.34 | No | No | $1,774.80 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000063355 | XXXX | N/A | No | No | XXXX | XXXX | 7.875% | No | No | US Citizen | 1 | $17,528.04 | $4,292.04 | $1,460.67 | $357.67 | 0.000% | 0.000% | 0.000% | XXXX | 773 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 2.1 | No | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.5 | 0.67 | 240 | XXXX | XXXX | 85.000% | No | Yes | Preliminary | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 31 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000065912 | XXXX | N/A | No | No | XXXX | XXXX | 7.375% | No | No | 0 | 0 | Permanent Resident Alien | Permanent Resident Alien | Permanent Resident Alien | 1 | $2,395.44 | $1,322.28 | $199.62 | $110.19 | 0.000% | 0.000% | 0.000% | XXXX | 721 | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 2.3 | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.29 | 0.78 | XXXX | XXXX | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 127.69 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000065344 | XXXX | N/A | No | No | XXXX | XXXX | 8.625% | No | No | US Citizen | US Citizen | 1 | $18,999.96 | $750.00 | $1,583.33 | $62.50 | 0.000% | 0.000% | 0.000% | XXXX | 723 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 1.3 | Yes | No | 8.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.59 | 1.68 | XXXX | XXXX | 42.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 8.33 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000066268 | XXXX | Non QM | Yes | No | $6,271.00 | $7,007.05 | 7.417% | XXXX | XXXX | 7.250% | No | No | Employed | Permanent Resident Alien | $4,199.40 | 1 | $5,980.08 | $1,875.96 | $498.34 | $156.33 | 45.814% | 45.814% | 45.814% | XXXX | 798 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXX | $6,271.00 | 6.870% | $2,000.00 | 1.0 | None | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXX | XXXX | 7.000% | No | 12 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 7.5 | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000066330 | XXXX | N/A | No | No | XXXX | XXXX | 8.500% | No | No | US Citizen | 1 | $2,190.96 | $1,568.40 | $182.58 | $130.70 | 0.000% | 0.000% | 0.000% | XXXX | 752 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 1.0 | Yes | No | 8.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.66 | 1.53 | XXXX | XXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 36.15 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000067020 | XXXX | N/A | No | No | $13,079.87 | $14,719.03 | 7.925% | XXXX | XXXX | 7.625% | No | No | Self-Employed | US Citizen | $18,794.19 | 1 | $6,908.40 | $759.00 | $575.70 | $63.25 | 38.806% | 38.806% | 38.806% | XXXX | 782 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $13,079.87 | 6.880% | $20,000.00 | 1.0 | None | No | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | XXXX | 4.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 9.27 | No | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000065971 | XXXX | Non QM | Yes | No | $14,598.76 | $6,289.93 | 8.140% | XXXX | XXXX | 8.000% | No | No | Self-Employed | US Citizen | $23,927.89 | 1 | $3,064.92 | $2,283.96 | $255.41 | $190.33 | 22.272% | 22.272% | 22.272% | XXXX | 801 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $14,598.76 | 6.870% | $0.00 | 1.0 | None | Yes | No | 8.000% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | XXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 117.48 | No | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000064887 | XXXX | Non QM | Yes | No | $1,640.00 | $3,653.33 | 7.138% | XXXX | XXXX | 7.125% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $19,942.91 | 1 | $32,144.16 | $10,002.96 | $2,678.68 | $833.58 | 47.459% | 47.459% | 47.459% | XXXX | 761 | No | No | [Borrower - | Primary Income - Sole Proprietor]; Other - 2025 [Borrower - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2022 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Other - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Other - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Other - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Paystubs - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2023 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2022 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2022 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2022 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2022 |
[Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - No Results Returned - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Tax Return Extension - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1040 - 2022 [Borrower]; 4506-C - 2022 [Borrower]; Transcripts (1040) - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Tax Return Extension - 2023 [Coborrower]; 1040 - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXX | $1,640.00 | 6.930% | $20,000.00 | 1.1 | None | Yes | No | 7.125% | 3 | 2 | 2 | 0 | 3 | 2 | No | XXXX | XXXX | 51.000% | No | 25 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 45.75 | No | $0.00 | $6,666.67 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000063794 | XXXX | N/A | No | No | XXXX | XXXX | 8.000% | No | No | 0 | US Citizen | US Citizen | 1 | $3,471.00 | $543.00 | $289.25 | $45.25 | 0.000% | 0.000% | 0.000% | XXXX | 713 | Level 2-Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 1.0 | Yes | No | 8.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.99 | 1.01 | XXXX | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 42.35 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000065564 | XXXX | N/A | No | No | XXXX | XXXX | 7.250% | No | No | US Citizen | 1 | $11,471.40 | $2,339.64 | $955.95 | $194.97 | 0.000% | 0.000% | 0.000% | XXXX | 674 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 3.8 | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.7 | 1.43 | XXXX | XXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 33.62 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000067093 | XXXX | N/A | No | No | $11,715.00 | $6,130.66 | 7.432% | XXXX | XXXX | 7.375% | No | No | Not Employed | Self-Employed | US Citizen | $184,273.46 | 3 | $16,682.88 | $3,488.04 | $1,390.24 | $290.67 | 16.167% | 16.167% | 16.167% | XXXX | 811 | No | Yes | 12 | Business | 100.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2024 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $11,715.00 | 6.880% | $0.00 | None | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | XXXX | 100.000% | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 38.88 | No | No | $219,811.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000065014 | XXXX | Non QM | Yes | No | $4,790.00 | $4,301.25 | 7.289% | XXXX | XXXX | 7.000% | No | No | Self-Employed | US Citizen | $2,033.71 | 1 | $3,906.00 | $1,602.00 | $325.50 | $133.50 | 49.567% | 49.567% | 49.567% | XXXX | 794 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2023 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $4,790.00 | 6.920% | $0.00 | None | No | No | 7.000% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXX | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 76.1 | No | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000065999 | XXXX | Non QM | Yes | No | $2,466.69 | $0.00 | 7.123% | XXXX | XXXX | 7.125% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $19,116.84 | 1 | $19,998.72 | $2,715.96 | $1,666.56 | $226.33 | 47.062% | 47.062% | 47.062% | XXXX | 801 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Other - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Other - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2022 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2022 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2022 [Borrower - | Non-Primary Income - Sole Proprietor]; P&L Statement - 2025 [Borrower - | Non-Primary Income - Sole Proprietor]; P&L Statement - 2025 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2022 [Coborrower(s) - | Primary Income - Wages]; Other - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2022 |
[Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - No Results Returned - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1040 - 2022 [Borrower]; 4506-C - 2022 [Borrower]; Transcripts (1040) - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1040 - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; Transcripts (1040) - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXX | $2,466.69 | 6.870% | $16,247.38 | 1.2 | None | Yes | No | 7.125% | 3 | 3 | 2 | 0 | 3 | 2 | 13.00 | No | XXXX | XXXX | 43.000% | No | 38 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 34.61 | Yes | No | $0.00 | $8,462.30 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000063832 | XXXX | N/A | No | No | XXXX | XXXX | 7.500% | No | No | US Citizen | 1 | $26,218.32 | $4,434.00 | $2,184.86 | $369.50 | 0.000% | 0.000% | 0.000% | XXXX | 773 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 2.6 | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.98 | 1.02 | 240 | XXXX | XXXX | 100.000% | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 452.8 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000066062 | XXXX | Non QM | Yes | No | $2,073.16 | $1,836.38 | 8.091% | XXXX | XXXX | 8.322% | No | No | Employed | Not Employed | US Citizen | US Citizen | $7,489.97 | 1 | $6,348.96 | $4,779.72 | $529.08 | $398.31 | 54.782% | 51.873% | 54.782% | XXXX | 788 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2022 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - No Results Returned - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; Transcripts (1040) - 2022 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXX | $2,073.16 | 6.890% | $10,000.00 | 3.5 | None | N/A | No | 8.322% | 3 | 0 | 0 | 0 | 3 | 2 | 0.00 | No | 240 | XXXX | XXXX | 18.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 31.99 | No | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000069052 | XXXX | Exempt from ATR | Non QM | Yes | Yes | No | $3,726.62 | $7,285.19 | 8.420% | XXXX | XXXX | 8.125% | No | No | Self-Employed | US Citizen | $10,618.09 | 1 | $5,145.24 | $3,275.76 | $428.77 | $272.98 | 24.189% | 24.189% | 24.189% | XXXX | 811 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2024 [Borrower - | Primary Income - P&L Statement Only]; Other - 2024 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2024 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2024 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXX | $3,726.62 | 6.630% | $0.00 | None | N/A | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXX | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 11.73 | No | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000069045 | XXXX | Exempt from ATR | Non QM | Yes | Yes | No | $16,340.00 | $29,515.81 | 8.620% | XXXX | XXXX | 8.375% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $29,271.11 | 1 | $22,225.68 | $3,077.04 | $1,852.14 | $256.42 | 32.767% | 32.767% | 32.767% | XXXX | 757 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - P&L Statement Only]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Coborrower(s) - | Primary Income - P&L Statement Only]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | Yes | XXXX | $16,340.00 | 6.920% | $0.00 | 2.6 | None | N/A | No | 8.375% | 0 | 0 | 0 | 0 | 2 | 0 | 12.00 | No | XXXX | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 17.58 | Yes | $13,061.05 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000064363 | XXXX | N/A | No | No | XXXX | XXXX | 8.250% | No | No | US Citizen | 1 | $9,153.36 | $5,147.04 | $762.78 | $428.92 | 0.000% | 0.000% | 0.000% | XXXX | 690 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 3.3 | Yes | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.87 | 1.15 | XXXX | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 11.96 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000061985 | XXXX | Non QM | Yes | No | $20,052.77 | $7,035.20 | 8.018% | XXXX | XXXX | 7.875% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $11,841.27 | 1 | $10,004.16 | $2,451.96 | $833.68 | $204.33 | 48.609% | 48.609% | 48.609% | XXXX | 672 | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2024 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2020 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $20,052.77 | 6.890% | $0.00 | 1.0 | None | Yes | No | 7.875% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | XXXX | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 20.11 | No | No | $11,520.83 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000067058 | XXXX | N/A | No | No | XXXX | XXXX | 8.375% | No | No | US Citizen | 1 | $8,031.24 | $2,472.24 | $669.27 | $206.02 | 0.000% | 0.000% | 0.000% | XXXX | 796 | No | No | DSCR | 1 | 0 | 0 | 0 | No | XXXX | $0.00 | 2.5 | No | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.15 | 0.87 | XXXX | XXXX | 29.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 5.83 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000067366 | XXXX | N/A | No | No | XXXX | XXXX | 8.000% | No | No | US Citizen | US Citizen | 1 | $4,246.44 | $977.76 | $353.87 | $81.48 | 0.000% | 0.000% | 0.000% | XXXX | 756 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 1.7 | Yes | No | 8.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.79 | 1.27 | XXXX | XXXX | 43.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 24.67 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000068018 | XXXX | N/A | No | No | XXXX | XXXX | 8.625% | No | No | US Citizen | 1 | $6,507.24 | $1,878.96 | $542.27 | $156.58 | 0.000% | 0.000% | 0.000% | XXXX | 709 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 1.1 | Yes | No | 8.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.87 | 1.15 | XXXX | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 80.71 | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000065970 | XXXX | N/A | No | No | XXXX | XXXX | 7.750% | No | No | US Citizen | 1 | $13,718.52 | $2,280.00 | $1,143.21 | $190.00 | 0.000% | 0.000% | 0.000% | XXXX | 719 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 1.0 | Yes | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.77 | 1.3 | XXXX | XXXX | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 93.2 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000067611 | XXXX | N/A | No | No | XXXX | XXXX | 8.125% | No | No | US Citizen | US Citizen | 3 | $10,229.52 | $2,942.64 | $852.46 | $245.22 | 0.000% | 0.000% | 0.000% | XXXX | 779 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | No | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.22 | 0.82 | XXXX | XXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 98.82 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000066825 | XXXX | Non QM | Yes | No | $14,395.00 | $19,055.20 | 7.531% | XXXX | XXXX | 7.572% | No | No | Self-Employed | US Citizen | $479,009.01 | 1 | $13,028.88 | $3,659.04 | $1,085.74 | $304.92 | 4.579% | 4.737% | 4.579% | XXXX | 751 | No | Yes | 12 | Business | 100.000% | 80.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 80.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 80.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 80.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $14,395.00 | 6.890% | $0.00 | 3.0 | None | No | No | 7.572% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 188.02 | No | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000066416 | XXXX | N/A | No | No | XXXX | XXXX | 7.875% | No | No | US Citizen | US Citizen | 1 | $2,347.44 | $849.96 | $195.62 | $70.83 | 0.000% | 0.000% | 0.000% | XXXX | 781 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 1.0 | No | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | XXXX | XXXX | 66.000% | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 30.57 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000064447 | XXXX | N/A | No | No | XXXX | XXXX | 7.875% | No | No | US Citizen | 1 | $7,712.40 | $1,609.92 | $642.70 | $134.16 | 0.000% | 0.000% | 0.000% | XXXX | 665 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXX | $0.00 | 1.0 | Yes | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.57 | 1.75 | XXXX | XXXX | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 59.29 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000067492 | XXXX | Non QM | Yes | No | $20,011.43 | $13,252.75 | 7.914% | XXXX | XXXX | 7.875% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $19,571.47 | 1 | $11,081.64 | $2,253.96 | $923.47 | $187.83 | 46.777% | 46.777% | 46.777% | XXXX | 719 | No | Yes | 48 | Business | 100.000% | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2024 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2024 |
[Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | No | XXXX | $20,011.43 | 6.880% | $0.00 | 4.7 | None | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 24 | 0.00 | No | XXXX | XXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 9.24 | No | $7,750.71 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000067837 | XXXX | N/A | No | No | XXXX | XXXX | 9.375% | No | No | US Citizen | 1 | $10,683.48 | $1,528.56 | $890.29 | $127.38 | 0.000% | 0.000% | 0.000% | XXXX | 743 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 1.5 | N/A | No | 9.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.71 | 1.42 | XXXX | XXXX | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 31.21 | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000066075 | XXXX | N/A | No | No | XXXX | XXXX | 7.375% | No | No | US Citizen | 3 | $7,231.44 | $4,255.20 | $602.62 | $354.60 | 0.000% | 0.000% | 0.000% | XXXX | 787 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.68 | 0.59 | XXXX | XXXX | 30.000% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 47.55 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000068273 | XXXX | N/A | No | No | XXXX | XXXX | 7.250% | No | No | US Citizen | US Citizen | 1 | $4,428.00 | $711.00 | $369.00 | $59.25 | 0.000% | 0.000% | 0.000% | XXXX | 704 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 1.1 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.05 | 0.95 | XXXX | XXXX | 3.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 40.26 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000068385 | XXXX | N/A | No | Yes | $0.00 | 6.712% | XXXX | XXXX | 6.750% | No | No | Self-Employed | US Citizen | $12,962.03 | 1 | $1,937.04 | $704.76 | $161.42 | $58.73 | 26.074% | 26.074% | 26.074% | XXXX | 810 | No | No | [Borrower - | Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXX | 6.870% | $0.00 | 1.1 | DU | ApproveEligible | N/A | No | 6.750% | 0 | 1 | 0 | 3 | 0 | No | XXXX | XXXX | 87.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 137.64 | No | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000068237 | XXXX | Non QM | Yes | No | $6,678.22 | $9,815.44 | 9.185% | XXXX | XXXX | 9.000% | No | No | Self-Employed | US Citizen | $10,062.10 | 1 | $6,060.72 | $1,111.44 | $505.06 | $92.62 | 43.020% | 43.020% | 43.020% | XXXX | 804 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $6,678.22 | 6.850% | $10,000.00 | 1.2 | None | N/A | No | 9.000% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXX | XXXX | 7.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 12.17 | No | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000069842 | XXXX | Non QM | Yes | No | $7,105.00 | $11,654.58 | 7.938% | XXXX | XXXX | 7.750% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $8,773.47 | 1 | $8,096.52 | $1,953.24 | $674.71 | $162.77 | 52.804% | 52.804% | 52.804% | XXXX | 748 | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 25.12000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 25.12000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 25.12000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 25.12000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $7,105.00 | 6.850% | $0.00 | 1.0 | None | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | XXXX | 11.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 9.18 | Yes | No | $9,294.68 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000068428 | XXXX | N/A | No | No | XXXX | XXXX | 7.500% | No | No | US Citizen | 1 | $18,210.60 | $3,247.80 | $1,517.55 | $270.65 | 0.000% | 0.000% | 0.000% | XXXX | 769 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 1.3 | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.93 | 1.07 | XXXX | XXXX | 22.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 11.29 | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000064782 | XXXX | N/A | No | No | XXXX | XXXX | 7.500% | No | No | US Citizen | 1 | $1,839.48 | $1,143.00 | $153.29 | $95.25 | 0.000% | 0.000% | 0.000% | XXXX | 769 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 1.2 | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.04 | 0.96 | XXXX | XXXX | 69.000% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 54.15 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000067293 | XXXX | N/A | No | No | XXXX | XXXX | 7.125% | No | No | US Citizen | US Citizen | 2 | $1,835.04 | $2,436.96 | $152.92 | $203.08 | 0.000% | 0.000% | 0.000% | XXXX | 748 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.94 | 0.52 | XXXX | XXXX | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 38.72 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000068668 | XXXX | N/A | No | No | XXXX | XXXX | 7.375% | No | No | US Citizen | 1 | $4,786.68 | $592.08 | $398.89 | $49.34 | 0.000% | 0.000% | 0.000% | XXXX | 679 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 1.0 | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.73 | 1.37 | XXXX | XXXX | 91.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 58.59 | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000067515 | XXXX | N/A | No | No | XXXX | XXXX | 7.875% | No | No | US Citizen | US Citizen | 1 | $2,845.56 | $2,804.76 | $237.13 | $233.73 | 0.000% | 0.000% | 0.000% | XXXX | 776 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 1.6 | Yes | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.84 | 1.19 | XXXX | XXXX | 97.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 107.74 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000067800 | XXXX | Non QM | Yes | No | $1,640.00 | $7,845.23 | 6.891% | XXXX | XXXX | 6.875% | No | No | Non-Employment Income | US Citizen | $14,038.57 | 1 | $18,134.40 | $2,895.36 | $1,511.20 | $241.28 | 0.000% | 0.000% | 0.000% | XXXX | 794 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | Yes | XXXX | $1,640.00 | 6.850% | $0.00 | 1.0 | None | No | No | 6.875% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | XXXX | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 312.85 | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000070257 | XXXX | Non QM | Yes | No | $6,333.40 | $19,042.01 | 7.052% | XXXX | XXXX | 6.990% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $19,754.87 | 1 | $30,000.00 | $3,186.00 | $2,500.00 | $265.50 | 44.375% | 44.375% | 44.375% | XXXX | 769 | No | Yes | 24 | Personal, Business | 52.000% | 50.000% | [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2023 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $6,333.40 | 6.920% | $7,000.00 | 1.4 | None | Yes | No | 6.990% | 0 | 2 | 0 | 0 | 0 | 0 | 12 | 12 | 0.00 | No | XXXX | XXXX | 34.000% | No | 36 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 20.53 | No | $0.00 | $17,022.33 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000066708 | XXXX | Non QM | Yes | No | $1,640.00 | $4,603.15 | 8.055% | XXXX | XXXX | 8.000% | No | No | Employed | Employed | US Citizen | US Citizen | $10,593.03 | 1 | $2,118.48 | $1,082.64 | $176.54 | $90.22 | 49.836% | 49.836% | 49.836% | XXXX | 715 | No | No | [Borrower - | Primary Income - Wages]; Other - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 - 2022 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2022 |
[Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - No Results Returned - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1040 - 2022 [Borrower]; 4506-C - 2022 [Borrower]; Transcripts (1040) - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1040 - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; Transcripts (1040) - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXX | $1,640.00 | 6.870% | $0.00 | 1.6 | None | No | No | 8.000% | 3 | 3 | 2 | 0 | 3 | 2 | 0.00 | No | XXXX | XXXX | No | 25 | 25 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 12.98 | Yes | No | $0.00 | $8,750.02 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000047188 | XXXX | N/A | No | No | XXXX | XXXX | 8.000% | No | No | US Citizen | 3 | $3,632.64 | $3,480.00 | $302.72 | $290.00 | 0.000% | 0.000% | 0.000% | XXXX | 717 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | N/A | No | 8.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.66 | 0.6 | XXXX | XXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 133.82 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000066890 | XXXX | N/A | No | No | XXXX | XXXX | 7.500% | No | No | US Citizen | 1 | $1,587.36 | $2,205.96 | $132.28 | $183.83 | 0.000% | 0.000% | 0.000% | XXXX | 727 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 2.5 | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.29 | 0.78 | XXXX | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 5.58 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000066994 | XXXX | Non QM | Yes | No | $1,640.00 | $5,077.76 | 7.527% | XXXX | XXXX | 8.338% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $9,701.12 | 1 | $8,580.12 | $6,490.20 | $715.01 | $540.85 | 48.668% | 43.629% | 48.668% | XXXX | 802 | No | Yes | 12 | Business | 60.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2022 |
[Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 4506-C - 2017 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2019 [Coborrower]; 4506-C - 2018 [Coborrower]; 4506-C - 2017 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $1,640.00 | 6.690% | $7,000.00 | 2.7 | None | No | No | 8.338% | 0 | 3 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXX | XXXX | 83.000% | No | 26 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 71.06 | Yes | No | $0.00 | $7,500.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000067261 | XXXX | Non QM | Yes | No | $1,640.00 | $4,181.62 | 7.418% | XXXX | XXXX | 7.375% | No | No | Employed | US Citizen | $6,195.14 | 1 | $6,728.76 | $1,034.52 | $560.73 | $86.21 | 46.899% | 46.899% | 46.899% | XXXX | 766 | No | No | [Borrower - | Primary Income - Wages]; Employer Letter - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXX | $1,640.00 | 6.880% | $0.00 | 1.2 | None | No | No | 7.375% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | XXXX | XXXX | 61.000% | No | 0 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 62.65 | Yes | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000064851 | XXXX | N/A | No | No | XXXX | XXXX | 8.750% | No | No | US Citizen | 1 | $2,651.88 | $1,620.00 | $220.99 | $135.00 | 0.000% | 0.000% | 0.000% | XXXX | 803 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 3.6 | No | No | 8.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.87 | 1.16 | XXXX | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 94.32 | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000066974 | XXXX | Non QM | Yes | No | $3,163.00 | $12,914.48 | 6.771% | XXXX | XXXX | 6.750% | No | No | Employed | Employed | US Citizen | US Citizen | $19,811.20 | 1 | $56,250.00 | $3,779.04 | $4,687.50 | $314.92 | 53.397% | 53.397% | 53.397% | XXXX | 783 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Coborrower(s) - | Primary Income - Wages]; Employer Letter - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; Employer Letter - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXX | $3,163.00 | 6.850% | $0.00 | 2.4 | None | No | No | 6.750% | 2 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | XXXX | XXXX | 74.000% | No | 17 | 4 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 65.42 | No | $0.00 | $17,594.10 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000068281 | XXXX | Non QM | Yes | No | $5,096.25 | $6,475.73 | 7.713% | XXXX | XXXX | 7.500% | No | No | Self-Employed | US Citizen | $5,061.18 | 1 | $3,113.16 | $1,251.96 | $259.43 | $104.33 | 47.121% | 47.121% | 47.121% | XXXX | 767 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $5,096.25 | 6.850% | $0.00 | 1.0 | None | No | No | 7.500% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXX | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 71.29 | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000061885 | XXXX | N/A | No | No | XXXX | XXXX | 8.250% | No | No | US Citizen | 1 | $4,687.80 | $2,907.84 | $390.65 | $242.32 | 0.000% | 0.000% | 0.000% | XXXX | 717 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 1.0 | No | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.12 | 0.89 | XXXX | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 71.62 | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000064737 | XXXX | Safe Harbor QM (APOR) | Yes | Yes | $0.00 | $2,165.61 | 7.638% | XXXX | XXXX | 7.625% | No | No | Employed | Not Employed | US Citizen | US Citizen | $54,824.99 | 1 | $9,413.88 | $1,377.00 | $784.49 | $114.75 | 22.599% | 22.599% | 22.599% | XXXX | 740 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1040 - 2022 [Borrower]; 4506-C - 2022 [Borrower]; Account Transcripts - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 1040 - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; Account Transcripts - 2022 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXX | 6.930% | $0.00 | 1.0 | DU | ApproveEligible | N/A | No | 7.625% | 2 | 0 | 2 | 0 | 3 | 1 | 0.00 | No | No | XXXX | XXXX | 40.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 14.85 | No | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000067237 | XXXX | N/A | No | No | XXXX | XXXX | 7.500% | No | No | 0 | US Citizen | US Citizen | 4 | $14,723.16 | $4,825.68 | $1,226.93 | $402.14 | 0.000% | 0.000% | 0.000% | XXXX | 702 | Level 2-Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.1 | 0.48 | 240 | XXXX | XXXX | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 123.75 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000067733 | XXXX | Non QM | Yes | No | $4,941.28 | $6,233.02 | 7.373% | XXXX | XXXX | 6.875% | No | No | Employed | US Citizen | $5,367.77 | 1 | $5,500.68 | $5,484.84 | $458.39 | $457.07 | 47.770% | 47.770% | 47.770% | XXXX | 800 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - No Results Returned - 2024 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; Transcripts (1040) - 2022 [Borrower]; 4506-C - 2021 [Borrower]; Transcripts (1040) - 2021 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXX | $4,941.28 | 6.230% | $0.00 | 1.0 | None | N/A | No | 6.875% | 2 | 0 | 0 | 4 | 3 | 0.00 | No | XXXX | XXXX | No | 25 | Yes | Short Form | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 21.12 | No | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000068663 | XXXX | N/A | No | No | XXXX | XXXX | 7.750% | No | No | US Citizen | 1 | $3,929.76 | $1,857.96 | $327.48 | $154.83 | 0.000% | 0.000% | 0.000% | XXXX | 812 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 1.0 | Yes | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.86 | 1.16 | XXXX | XXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 121.71 | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000063047 | XXXX | Non QM | Yes | No | $26,571.83 | $16,198.30 | 7.493% | XXXX | XXXX | 7.250% | No | No | Self-Employed | US Citizen | $5,833.18 | 1 | $6,180.12 | $1,911.96 | $515.01 | $159.33 | 49.793% | 49.793% | 49.793% | XXXX | 767 | No | Yes | 24 | Personal | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 5.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 5.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 5.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 5.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2024 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 5.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 5.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 5.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 5.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2024 |
[Borrower]; 1084 or income worksheet - Year Not Available [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $26,571.83 | 6.620% | $0.00 | 1.0 | None | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | XXXX | 29.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 32.61 | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000068444 | XXXX | N/A | No | No | XXXX | XXXX | 7.625% | No | No | US Citizen | 1 | $11,499.96 | $1,166.04 | $958.33 | $97.17 | 0.000% | 0.000% | 0.000% | XXXX | 696 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 1.5 | No | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.72 | 1.38 | XXXX | XXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 12.81 | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000068803 | XXXX | N/A | No | No | XXXX | XXXX | 8.375% | No | No | US Citizen | 1 | $3,258.00 | $1,576.08 | $271.50 | $131.34 | 0.000% | 0.000% | 0.000% | XXXX | 759 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXX | $0.00 | 1.0 | Yes | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.74 | 1.34 | XXXX | XXXX | 29.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 14.88 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000066600 | XXXX | Non QM | Yes | No | $1,640.00 | $6,043.00 | 6.891% | XXXX | XXXX | 6.875% | No | No | Employed | Self-Employed | US Citizen | US Citizen | $18,309.29 | 1 | $19,901.52 | $2,421.96 | $1,658.46 | $201.83 | 49.349% | 49.349% | 49.349% | XXXX | 799 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Restricted Stock Agreement - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 [Borrower - | Primary Income - Wages]; Restricted Stock Agreement - 2023 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; Restricted Stock Agreement - 2022 [Borrower - | Primary Income - Wages]; Restricted Stock Agreement - 2021 [Borrower - | Primary Income - Wages]; Restricted Stock Agreement - 2020 [Borrower - | Primary Income - Wages]; Restricted Stock Agreement - 2019 [Coborrower(s) - | Primary Income - Sole Proprietor]; Other - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2022 |
[Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - No Results Returned - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1040 - 2022 [Borrower]; 4506-C - 2022 [Borrower]; Transcripts (1040) - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1040 - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; Transcripts (1040) - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXX | $1,640.00 | 6.870% | $0.00 | 1.0 | None | No | No | 6.875% | 2 | 0 | 2 | 0 | 3 | 2 | 0.00 | No | XXXX | XXXX | 92.000% | No | 25 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 61.63 | No | No | $11,345.83 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000071251 | XXXX | Non QM | Yes | No | $7,654.00 | $4,942.67 | 8.302% | XXXX | XXXX | 8.000% | No | Yes | Not Employed | Self-Employed | US Citizen | US Citizen | $25,298.32 | 1 | $2,769.96 | $1,844.16 | $230.83 | $153.68 | 49.538% | 49.538% | 49.538% | XXXX | 743 | No | Yes | 12 | Business | 100.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2012 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2021 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2021 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $7,654.00 | 6.900% | $0.00 | 1.0 | None | N/A | No | 8.000% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXX | XXXX | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 31.52 | No | No | $50,133.23 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000067511 | XXXX | N/A | No | No | XXXX | XXXX | 7.875% | No | No | US Citizen | 1 | $10,937.88 | $1,473.00 | $911.49 | $122.75 | 0.000% | 0.000% | 0.000% | XXXX | 777 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 2.6 | No | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.72 | 1.4 | XXXX | XXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 53.69 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000069270 | XXXX | N/A | No | No | $25,185.50 | $6,027.34 | 7.446% | XXXX | XXXX | 7.375% | No | No | Employed | Not Employed | US Citizen | US Citizen | $12,316.79 | 1 | $5,440.92 | $2,990.04 | $453.41 | $249.17 | 49.142% | 49.142% | 49.142% | XXXX | 727 | No | No | [Borrower - | Primary Income - Wages]; Employer Letter - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Other - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2022 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2022 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Other - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - No Results Returned - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1040 - 2022 [Borrower]; Transcripts (1040) - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Borrower]; 1084 or income worksheet - Year Not Available [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1040 - 2022 [Coborrower]; Transcripts (1040) - 2022 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXX | $25,185.50 | 6.730% | $10,000.00 | 1.0 | None | Yes | No | 7.375% | 2 | 0 | 2 | 0 | 2 | 2 | 0.00 | No | XXXX | XXXX | 29.000% | No | 25 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 13.32 | No | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000070638 | XXXX | N/A | No | No | XXXX | XXXX | 7.625% | No | No | 0 | US Citizen | US Citizen | 1 | $2,471.28 | $1,141.80 | $205.94 | $95.15 | 0.000% | 0.000% | 0.000% | XXXX | 714 | Level 2-Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 1.7 | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.68 | 0.6 | XXXX | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 31.07 | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000067401 | XXXX | N/A | No | No | XXXX | XXXX | 8.000% | No | No | US Citizen | 1 | $8,386.80 | $883.92 | $698.90 | $73.66 | 0.000% | 0.000% | 0.000% | XXXX | 784 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 3.3 | No | No | 8.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | 240 | XXXX | XXXX | No | Yes | Preliminary | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 66.54 | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000042431 | XXXX | N/A | No | No | XXXX | XXXX | 8.625% | No | No | US Citizen | 1 | $25,790.28 | $4,365.96 | $2,149.19 | $363.83 | 0.000% | 0.000% | 0.000% | XXXX | 736 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXX | $0.00 | 5.0 | No | No | 8.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.54 | 1.85 | XXXX | XXXX | 5.000% | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 27.49 | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000071727 | XXXX | Exempt from ATR | Non QM | Yes | Yes | No | $11,749.00 | $13,914.69 | 8.524% | XXXX | XXXX | 8.125% | No | No | Self-Employed | US Citizen | $5,230.22 | 1 | $12,134.76 | $743.04 | $1,011.23 | $61.92 | 49.779% | 49.779% | 49.779% | XXXX | 798 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2025 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2024 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2024 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXX | $11,749.00 | 6.770% | $118,399.43 | 1.0 | None | Yes | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXX | XXXX | 4.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 3.23 | Yes | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000067281 | XXXX | N/A | No | Yes | $0.00 | 7.739% | XXXX | XXXX | 7.750% | No | No | Employed | US Citizen | $14,169.12 | 1 | $7,281.84 | $1,774.80 | $606.82 | $147.90 | 39.973% | 39.973% | 39.973% | XXXX | 794 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | XXXX | 6.880% | $0.00 | 1.0 | DU | ApproveEligible | N/A | No | 7.750% | 1 | 0 | 0 | 3 | 0 | 0.00 | No | XXXX | XXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 523.8 | No | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000071268 | XXXX | Exempt from ATR | Non QM | Yes | Yes | No | $8,400.00 | $9,323.63 | 9.467% | XXXX | XXXX | 8.875% | No | No | Self-Employed | US Citizen | $13,337.99 | 1 | $0.00 | $1,468.20 | $0.00 | $122.35 | 14.754% | 14.754% | 14.754% | XXXX | 760 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2024 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2024 [Borrower - | Primary Income - P&L Statement Only]; Other - 2021 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXX | $8,400.00 | 6.920% | $0.00 | None | No | No | 8.875% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXX | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 76.39 | Yes | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000066184 | XXXX | Safe Harbor QM (APOR) | Yes | No | $0.00 | $1,439.44 | 7.263% | XXXX | XXXX | 7.250% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $18,564.32 | 1 | $5,135.04 | $3,758.88 | $427.92 | $313.24 | 42.588% | 42.588% | 42.588% | XXXX | 797 | No | No | Borrower Prepared | [Borrower - | Primary Income - S-Corp (>= 25%)]; Other - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Paystubs - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2022 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2022 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Other - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2022 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2022 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2022 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2021 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; Other - 2025 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2022 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2022 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2022 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2021 |
[Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Account Transcripts - 2023 [Borrower]; Tax Return Extension - 2023 [Borrower]; 1040 - 2022 [Borrower]; 4506-C - 2022 [Borrower]; Tax Return Extension - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Account Transcripts - 2023 [Coborrower]; Tax Return Extension - 2023 [Coborrower]; 1040 - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; Tax Return Extension - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXX | 6.870% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 7.250% | 2 | 1 | 2 | 0 | 3 | 1 | 12.00 | No | Not Stated | XXXX | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 33.37 | No | No | $1,416.17 | $10,049.87 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000067907 | XXXX | Non QM | Yes | No | $13,917.50 | $397.56 | 8.858% | XXXX | XXXX | 8.875% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $10,430.71 | 1 | $8,194.08 | $3,110.04 | $682.84 | $259.17 | 48.803% | 48.803% | 48.803% | XXXX | 798 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2021 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $13,917.50 | 6.850% | $25,000.00 | 1.0 | None | Yes | No | 8.875% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXX | XXXX | 7.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 8.67 | Yes | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000070124 | XXXX | Non QM | Yes | No | $1,590.00 | $9,314.25 | 7.148% | XXXX | XXXX | 7.125% | No | No | Employed | Employed | US Citizen | US Citizen | $21,780.73 | 1 | $38,845.44 | $2,927.28 | $3,237.12 | $243.94 | 54.269% | 54.269% | 54.269% | XXXX | 774 | No | No | [Borrower - | Primary Income - Wages]; Leave and Earnings Statement (LES) - 2025 [Borrower - | Primary Income - Wages]; Leave and Earnings Statement (LES) - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Borrower - | Primary Income - Wages]; W-2 - 2022 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2022 [Coborrower(s) - | Primary Income - Wages]; Employer Letter - 2025 [Coborrower(s) - | Primary Income - Wages]; Other - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2022 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2022 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXX | $1,590.00 | 6.620% | $460,000.00 | 1.4 | None | No | No | 7.125% | 3 | 3 | 0 | 0 | 3 | 0 | 0.00 | No | XXXX | XXXX | 70.000% | No | 25 | 25 | Yes | Preliminary | Fee Simple | Individual | Trustee | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 94.93 | Yes | No | $0.00 | $25,120.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000060877 | XXXX | Non QM | Yes | No | $3,600.32 | $6,701.65 | 6.891% | XXXX | XXXX | 6.750% | No | No | Employed | Non-Permanent Resident Alien | $15,169.70 | 1 | $2,839.56 | $395.04 | $236.63 | $32.92 | 49.979% | 49.979% | 49.979% | XXXX | 733 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXX | $3,600.32 | 6.660% | $0.00 | 2.6 | DU | ApproveEligible | No | No | 6.750% | 1 | 1 | 0 | 3 | 0 | 0.00 | No | XXXX | XXXX | 73.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Employment Authorization | 59.28 | No | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000068208 | XXXX | N/A | No | No | $0.00 | $0.00 | 6.868% | XXXX | XXXX | 6.875% | No | No | Employed | US Citizen | $13,491.12 | 2 | $3,643.56 | $3,134.04 | $303.63 | $261.17 | 34.367% | 34.367% | 34.367% | XXXX | 794 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Account Transcripts - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXX | 6.850% | $9,358.86 | DU | ApproveEligible | N/A | No | 6.875% | 1 | 1 | 0 | 3 | 1 | 0.00 | No | XXXX | XXXX | 63.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 65.87 | No | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000070744 | XXXX | Non QM | Yes | No | $23,896.39 | $5,890.41 | 8.082% | XXXX | XXXX | 8.000% | No | No | Self-Employed | US Citizen | $8,353.50 | 1 | $5,838.24 | $4,111.32 | $486.52 | $342.61 | 44.890% | 44.890% | 44.890% | XXXX | 787 | No | Yes | 12 | Personal | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $23,896.39 | 6.650% | $0.00 | 2.6 | None | N/A | No | 8.000% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 95.82 | No | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000069096 | XXXX | Non QM | Yes | No | $6,177.61 | $1,734.36 | 6.511% | XXXX | XXXX | 6.500% | No | No | Employed | Employed | US Citizen | US Citizen | $8,946.51 | 1 | $23,276.64 | $794.16 | $1,939.72 | $66.18 | 51.444% | 51.444% | 51.444% | XXXX | 800 | No | No | [Borrower - | Primary Income - Wages]; Employer Letter - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; Employer Letter - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2022 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXX | $6,177.61 | 6.620% | $24,510.10 | 1.0 | None | N/A | No | 6.500% | 0 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | XXXX | XXXX | 38.000% | No | 3 | 25 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 14.19 | No | $0.00 | $11,491.65 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000067470 | XXXX | N/A | No | No | XXXX | XXXX | 7.750% | No | No | US Citizen | 1 | $4,445.04 | $1,634.16 | $370.42 | $136.18 | 0.000% | 0.000% | 0.000% | XXXX | 716 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 1.0 | Yes | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.17 | 0.85 | XXXX | XXXX | 36.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 3.26 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000068640 | XXXX | N/A | No | No | $4,159.20 | $5,198.72 | 7.832% | XXXX | XXXX | 7.625% | No | No | Self-Employed | US Citizen | $8,114.21 | 1 | $2,562.48 | $1,014.00 | $213.54 | $84.50 | 34.528% | 34.528% | 34.528% | XXXX | 789 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; Other - 2025 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2025 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2022 |
[Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; Transcripts (1040) - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXX | $4,159.20 | 6.730% | $40,000.00 | 2.6 | None | Yes | No | 7.625% | 0 | 1 | 0 | 3 | 3 | 12.00 | No | XXXX | XXXX | 17.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 9.31 | No | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000063312 | XXXX | N/A | No | No | XXXX | XXXX | 8.250% | No | No | US Citizen | 1 | $5,892.12 | $1,319.28 | $491.01 | $109.94 | 0.000% | 0.000% | 0.000% | XXXX | 776 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 1.0 | Yes | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.15 | 0.87 | XXXX | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 93.83 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000070721 | XXXX | N/A | No | No | XXXX | XXXX | 7.750% | No | No | US Citizen | 1 | $21,187.56 | $2,728.08 | $1,765.63 | $227.34 | 0.000% | 0.000% | 0.000% | XXXX | 801 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 2.2 | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.55 | 1.83 | XXXX | XXXX | 67.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 52.95 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000068531 | XXXX | Safe Harbor QM (APOR) | Yes | Yes | $0.00 | $0.00 | 7.123% | XXXX | XXXX | 7.125% | No | No | Employed | US Citizen | $11,125.91 | 1 | $1,375.32 | $998.04 | $114.61 | $83.17 | 38.868% | 38.868% | 38.868% | XXXX | 764 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXX | 6.650% | $0.00 | 999.0 | DU | ApproveEligible | No | No | 7.125% | 1 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXX | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 69.55 | No | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000069026 | XXXX | N/A | No | No | XXXX | XXXX | 7.875% | No | No | US Citizen | US Citizen | 1 | $5,750.04 | $1,077.00 | $479.17 | $89.75 | 0.000% | 0.000% | 0.000% | XXXX | 719 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 1.0 | Yes | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.83 | 1.2 | XXXX | XXXX | 3.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 103.1 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000069954 | XXXX | Non QM | Yes | No | $6,088.00 | $0.00 | 6.367% | XXXX | XXXX | 6.375% | No | No | Self-Employed | US Citizen | $9,691.15 | 1 | $3,823.56 | $2,593.92 | $318.63 | $216.16 | 48.959% | 48.959% | 48.959% | XXXX | 756 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 46.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 46.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 46.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Expense Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 46.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 46.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 46.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 46.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 46.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2016 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 46.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2016 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 46.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2016 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $6,088.00 | 6.620% | $33,300.00 | 1.8 | None | No | No | 6.375% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | Yes | XXXX | XXXX | 31.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | 19.12 | No | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000068893 | XXXX | N/A | No | No | $13,295.00 | $16,140.78 | 9.916% | XXXX | XXXX | 9.625% | No | No | Self-Employed | US Citizen | $21,953.87 | 1 | $9,249.48 | $2,433.96 | $770.79 | $202.83 | 42.393% | 42.393% | 42.393% | XXXX | 744 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $13,295.00 | 6.730% | $0.00 | None | Yes | No | 9.625% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | XXXX | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 16.16 | Yes | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000070201 | XXXX | N/A | No | No | XXXX | XXXX | 7.875% | No | No | 0 | US Citizen | US Citizen | 1 | $5,330.76 | $1,227.96 | $444.23 | $102.33 | 0.000% | 0.000% | 0.000% | XXXX | 774 | Level 2-Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 1.0 | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.67 | 1.5 | XXXX | XXXX | No | Yes | Short Form | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 98.69 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000068314 | XXXX | N/A | No | No | XXXX | XXXX | 8.125% | No | No | US Citizen | 1 | $5,937.48 | $1,417.56 | $494.79 | $118.13 | 0.000% | 0.000% | 0.000% | XXXX | 799 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 1.0 | Yes | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.82 | 1.23 | XXXX | XXXX | 33.000% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 6.39 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000067514 | XXXX | N/A | No | No | XXXX | XXXX | 7.875% | No | No | US Citizen | 1 | $7,875.00 | $1,558.80 | $656.25 | $129.90 | 0.000% | 0.000% | 0.000% | XXXX | 798 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 1.0 | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.17 | 0.85 | XXXX | XXXX | 11.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Beacon 5.0 | FICO Risk Score Classic 04 | 18.21 | Retail | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000067632 | XXXX | N/A | No | No | $30,920.75 | $31,772.70 | 7.076% | XXXX | XXXX | 6.750% | No | No | Self-Employed | US Citizen | $24,300.07 | 1 | $10,336.80 | $4,691.04 | $861.40 | $390.92 | 46.689% | 46.689% | 46.689% | XXXX | 689 | No | Yes | 12 | Personal | 97.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 [Borrower - | Non-Primary Income - Social Security]; Account Statements - 2025 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2021 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $30,920.75 | 6.850% | $0.00 | 1.0 | None | Yes | No | 6.750% | 0 | 0 | 0 | 4 | 0 | 12 | 0.00 | No | XXXX | XXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 22.12 | No | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000070738 | XXXX | Non QM | Yes | No | $2,470.00 | $4,400.55 | 7.556% | XXXX | XXXX | 7.500% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $34,853.14 | 1 | $14,000.04 | $1,515.96 | $1,166.67 | $126.33 | 41.911% | 41.911% | 41.911% | XXXX | 763 | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 85.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 85.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 85.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 85.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 85.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2021 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $2,470.00 | 6.650% | $0.00 | 1.3 | None | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXX | XXXX | 20.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 20.11 | No | No | $30,000.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000067728 | XXXX | Non QM | Yes | No | $20,365.14 | $21,761.28 | 8.332% | XXXX | XXXX | 8.000% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $8,201.98 | 1 | $6,513.24 | $1,162.08 | $542.77 | $96.84 | 48.328% | 48.328% | 48.328% | XXXX | 761 | No | No | Borrower Prepared | [Borrower - | Primary Income - Sole Proprietor]; Other - 2025 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2025 [Borrower - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2025 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2024 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2022 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Non-Primary Income - Sole Proprietor]; Other - 2025 [Coborrower(s) - | Non-Primary Income - Sole Proprietor]; P&L Statement - 2025 [Coborrower(s) - | Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025 [Coborrower(s) - | Non-Primary Income - Sole Proprietor]; P&L Statement - 2024 [Coborrower(s) - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 [Coborrower(s) - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2022 |
[Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - No Results Returned - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1040 - 2022 [Borrower]; 4506-C - 2022 [Borrower]; Transcripts (1040) - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1040 - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; Transcripts (1040) - 2022 [Coborrower]; 4506-C - 2021 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXX | $20,365.14 | 6.850% | $0.00 | 2.6 | None | Yes | No | 8.000% | 0 | 2 | 2 | 0 | 4 | 2 | 13.90 | No | XXXX | XXXX | 56.000% | No | 26 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 57.09 | Yes | No | $4,881.79 | $10,554.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000068427 | XXXX | N/A | No | No | $3,959.00 | $4,353.19 | 7.771% | XXXX | XXXX | 7.500% | No | No | Self-Employed | Self-Employed | Self-Employed | 13.82 | US Citizen | US Citizen | US Citizen | $15,900.50 | 1 | $1,702.44 | $1,446.48 | $141.87 | $120.54 | 42.413% | 42.413% | 42.413% | XXXX | 799 | 759 | 775 | 766 | Level 4-Stated/Verified as defined | Level 5-Stated/Verified as defined | Level 3-Stated/Verified as defined | No | No | Borrower Prepared | [Borrower - | Primary Income - Sole Proprietor]; Other - 2025 [Borrower - | Primary Income - Sole Proprietor]; Other - 2025 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2025 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2025 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2022 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Other - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2022 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2022 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; Other - 2025 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2024 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2024 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2023 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2022 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2022 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; Other - 2025 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2024 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2022 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2022 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; Other - 2025 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2024 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2022 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2022 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Other - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2022 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2022 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2022 [Coborrower(s) - | Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025 [Coborrower(s) - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 [Coborrower(s) - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2022 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; Other - 2025 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2024 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2022 |
[Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1040 - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Tax Return Extension - 2023 [Coborrower]; 1040 - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2021 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXX | $3,959.00 | 6.730% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 7.500% | 0 | 2 | 2 | 0 | 4 | 0 | 14.77 | No | XXXX | XXXX | 85.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 89.41 | No | No | $26,485.63 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000069248 | XXXX | N/A | No | Yes | $0.00 | 6.949% | XXXX | XXXX | 7.000% | No | No | Employed | Self-Employed | US Citizen | US Citizen | $26,596.86 | 1 | $7,343.28 | $1,179.96 | $611.94 | $98.33 | 16.519% | 16.519% | 16.519% | XXXX | 719 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Sole Proprietor]; Other - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | Yes | XXXX | 6.730% | $0.00 | 1.0 | DU | ApproveEligible | No | No | 7.000% | 2 | 0 | 2 | 0 | 3 | 0 | 0.00 | No | XXXX | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 11.71 | No | No | $20,526.51 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000070662 | XXXX | N/A | No | No | XXXX | XXXX | 7.625% | No | No | US Citizen | 1 | $9,147.48 | $1,641.96 | $762.29 | $136.83 | 0.000% | 0.000% | 0.000% | XXXX | 787 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 1.1 | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.62 | 0.62 | XXXX | XXXX | 63.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 16.57 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000068809 | XXXX | N/A | No | No | XXXX | XXXX | 7.250% | No | No | US Citizen | 1 | $3,936.48 | $1,367.04 | $328.04 | $113.92 | 0.000% | 0.000% | 0.000% | XXXX | 731 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 1.0 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.02 | 0.98 | XXXX | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 210.51 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000071731 | XXXX | Exempt from ATR | Non QM | Yes | Yes | No | $5,589.28 | $8,076.28 | 9.120% | XXXX | XXXX | 8.875% | No | No | Not Employed | Self-Employed | US Citizen | US Citizen | $20,048.61 | 1 | $5,118.48 | $1,443.96 | $426.54 | $120.33 | 45.392% | 45.392% | 45.392% | XXXX | 734 | No | No | [Coborrower(s) - | Primary Income - P&L Statement Only]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - P&L Statement Only]; CPA Letter - 2024 [Coborrower(s) - | Primary Income - P&L Statement Only]; P&L Statement - 2024 |
[Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | Yes | XXXX | $5,589.28 | 6.980% | $90,000.00 | 1.0 | None | Yes | No | 8.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXX | XXXX | 1.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 13.4 | No | Yes | $36,713.79 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000070827 | XXXX | Non QM | Yes | No | $10,922.00 | $25,094.14 | 6.587% | XXXX | XXXX | 6.500% | No | No | Employed | US Citizen | $15,179.56 | 1 | $31,875.00 | $3,149.88 | $2,656.25 | $262.49 | 48.681% | 48.681% | 48.681% | XXXX | 804 | No | No | [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2022 [Borrower - | Non-Primary Income - Social Security]; Account Statements - 2025 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXX | $10,922.00 | 6.650% | $5,000.00 | 1.1 | None | Yes | No | 6.500% | 3 | 0 | 0 | 3 | 0 | 0.00 | No | XXXX | XXXX | 39.000% | No | 26 | Yes | Preliminary | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 32.5 | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000070879 | XXXX | Non QM | Yes | No | $7,890.76 | $3,367.50 | 8.060% | XXXX | XXXX | 7.875% | No | No | Self-Employed | US Citizen | $4,642.23 | 1 | $2,622.72 | $1,713.96 | $218.56 | $142.83 | 42.481% | 42.481% | 42.481% | XXXX | 758 | No | Yes | 12 | Personal | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $7,890.76 | 6.650% | $46,000.00 | 3.6 | None | No | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | XXXX | 13.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 11.67 | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000071017 | XXXX | Non QM | Yes | No | $11,448.48 | $12,594.60 | 7.981% | XXXX | XXXX | 7.875% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $16,214.72 | 1 | $19,638.12 | $8,805.24 | $1,636.51 | $733.77 | 48.450% | 48.450% | 48.450% | XXXX | 711 | No | Yes | 12 | Personal | 100.000% | 50.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Personal - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2021 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $11,448.48 | 6.650% | $32,000.00 | 2.7 | None | Yes | No | 7.875% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXX | XXXX | 44.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 29.96 | Yes | No | $15,000.02 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000070759 | XXXX | N/A | No | No | $11,094.64 | $10,149.65 | 7.957% | XXXX | XXXX | 7.500% | No | No | Not Employed | Employed | US Citizen | $3,608.14 | 1 | $2,632.56 | $2,427.00 | $219.38 | $202.25 | 48.446% | 48.446% | 48.446% | XXXX | 808 | No | No | [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2022 [Coborrower(s) - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXX | $11,094.64 | 6.620% | $7,000.00 | 1.0 | None | No | No | 7.500% | 0 | 3 | 0 | 0 | 0 | 0 | 0.00 | No | XXXX | XXXX | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 459.29 | Yes | No | ($11,441.67) | $16,866.22 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000070599 | XXXX | N/A | No | No | XXXX | XXXX | 7.375% | No | No | US Citizen | 1 | $4,587.72 | $1,013.04 | $382.31 | $84.42 | 0.000% | 0.000% | 0.000% | XXXX | 759 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 1.0 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.75 | 1.33 | XXXX | XXXX | No | Yes | Short Form | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 103.55 | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000068945 | XXXX | Non QM | Yes | No | $1,640.00 | $6,395.56 | 7.159% | XXXX | XXXX | 7.125% | No | No | Employed | Self-Employed | US Citizen | US Citizen | $7,095.21 | 1 | $3,169.68 | $4,998.96 | $264.14 | $416.58 | 45.308% | 45.308% | 45.308% | XXXX | 800 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Other - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2022 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2022 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2022 |
[Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1040 - 2022 [Borrower]; 4506-C - 2022 [Borrower]; Transcripts (1040) - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - No Results Returned - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1040 - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; Transcripts (1040) - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXX | $1,640.00 | 6.730% | $5,950.00 | 4.6 | None | No | No | 7.125% | 1 | 3 | 2 | 0 | 3 | 2 | 0.00 | No | XXXX | XXXX | 37.000% | No | 27 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 25.75 | Yes | No | $5,259.64 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000067109 | XXXX | Non QM | Yes | No | $3,181.00 | $8,161.69 | 7.565% | XXXX | XXXX | 7.500% | No | No | Non-Employment Income | US Citizen | $19,342.30 | 1 | $4,840.20 | $1,624.32 | $403.35 | $135.36 | 23.137% | 23.137% | 23.137% | XXXX | 804 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | No | XXXX | $3,181.00 | 6.880% | $0.00 | 3.9 | None | Yes | No | 7.500% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | XXXX | XXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 374.92 | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000071308 | XXXX | Non QM | Yes | No | $8,349.00 | $12,878.36 | 8.054% | XXXX | XXXX | 7.875% | No | No | Employed | Not Employed | US Citizen | US Citizen | $13,120.25 | 1 | $10,902.36 | $2,865.96 | $908.53 | $238.83 | 40.166% | 40.166% | 40.166% | XXXX | 723 | No | No | [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2022 |
[Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - No Results Returned - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Account Transcripts - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Account Transcripts - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXX | $8,349.00 | 6.660% | $0.00 | 3.2 | None | No | No | 7.875% | 2 | 0 | 1 | 0 | 2 | 1 | 0.00 | No | XXXX | XXXX | 49.000% | No | 26 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 34.74 | No | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000069279 | XXXX | Non QM | Yes | No | $20,750.00 | $24,798.44 | 7.838% | XXXX | XXXX | 7.500% | No | No | Self-Employed | US Citizen | $8,566.97 | 1 | $7,396.56 | $974.04 | $616.38 | $81.17 | 43.865% | 43.865% | 43.865% | XXXX | 747 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 |
[Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXX | $20,750.00 | 6.730% | $0.00 | None | N/A | No | 7.500% | 0 | 0 | 0 | 2 | 0 | 12.00 | No | XXXX | XXXX | 27.000% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 7.99 | Yes | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000069573 | XXXX | Safe Harbor QM (APOR) | Yes | Yes | $995.00 | $3,063.23 | 6.812% | XXXX | XXXX | 6.750% | No | No | Employed | US Citizen | $6,615.94 | 1 | $5,149.32 | $689.04 | $429.11 | $57.42 | 47.592% | 47.592% | 47.592% | XXXX | 770 | No | No | [Borrower - | Primary Income - Wages]; Leave and Earnings Statement (LES) - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | XXXX | $995.00 | 6.730% | $0.00 | 1.0 | DU | ApproveEligible | No | No | 6.750% | 1 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXX | XXXX | 42.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 14.16 | No | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000071485 | XXXX | Non QM | Yes | No | $11,298.98 | $12,807.30 | 8.556% | XXXX | XXXX | 8.375% | No | No | Self-Employed | US Citizen | $11,726.13 | 1 | $8,365.68 | $1,755.96 | $697.14 | $146.33 | 49.017% | 49.017% | 49.017% | XXXX | 682 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; Business License - 2025 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXX | $11,298.98 | 6.660% | $20,999.97 | 1.0 | None | N/A | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXX | XXXX | 3.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 6.81 | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000066641 | XXXX | N/A | No | No | XXXX | XXXX | 8.625% | No | No | US Citizen | 1 | $10,650.72 | $1,994.76 | $887.56 | $166.23 | 0.000% | 0.000% | 0.000% | XXXX | 790 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 2.6 | Yes | No | 8.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.02 | 0.98 | XXXX | XXXX | 26.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 3.72 | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000066298 | XXXX | N/A | No | No | XXXX | XXXX | 7.875% | No | No | US Citizen | 2 | $4,363.80 | $4,181.16 | $363.65 | $348.43 | 0.000% | 0.000% | 0.000% | XXXX | 672 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.07 | 0.93 | XXXX | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 69.76 | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000068872 | XXXX | Non QM | Yes | No | $5,680.00 | $7,768.16 | 8.811% | XXXX | XXXX | 8.625% | No | No | Self-Employed | US Citizen | $28,405.70 | 1 | $7,249.56 | $5,919.96 | $604.13 | $493.33 | 29.121% | 29.121% | 29.121% | XXXX | 686 | No | Yes | 12 | Personal | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: % | Expense Ratio Source: | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: % | Expense Ratio Source: | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: % | Expense Ratio Source: | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: % | Expense Ratio Source: | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $5,680.00 | 6.620% | $0.00 | 4.7 | None | N/A | No | 8.625% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXX | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 83.86 | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 6000095002 | XXXX | N/A | No | No | $16,240.00 | 8.330% | XXXX | XXXX | 8.375% | No | No | US Citizen | 4 | $9,071.52 | $2,495.76 | $755.96 | $207.98 | 0.000% | 0.000% | 0.000% | XXXX | 744 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $16,240.00 | 6.850% | $0.00 | N/A | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.07 | 0.93 | XXXX | XXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 95.11 | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000069267 | XXXX | Non QM | Yes | No | $2,390.00 | $3,473.75 | 6.938% | XXXX | XXXX | 6.750% | No | No | Not Employed | Employed | US Citizen | US Citizen | $24,506.98 | 1 | $3,329.88 | $374.04 | $277.49 | $31.17 | 23.411% | 23.411% | 23.411% | XXXX | 799 | No | No | [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXX | $2,390.00 | 6.730% | $2,500.00 | 1.4 | DU | ApproveEligible | N/A | No | 6.750% | 0 | 1 | 0 | 0 | 3 | 0 | 0.00 | No | XXXX | XXXX | 91.000% | No | Yes | Commitment | Fee Simple | Individual | Trustee | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Beacon 5.0 | FICO Risk Score Classic 04 | 50.19 | No | No | $0.00 | $31,998.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000070054 | XXXX | Non QM | Yes | No | $20,803.75 | $32,414.38 | 7.879% | XXXX | XXXX | 7.750% | No | No | Self-Employed | US Citizen | $34,160.74 | 1 | $26,366.04 | $8,774.04 | $2,197.17 | $731.17 | 36.992% | 36.992% | 36.992% | XXXX | 693 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $20,803.75 | 6.660% | $0.00 | 1.4 | None | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 13.75 | Retail | No | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000070280 | XXXX | N/A | No | No | XXXX | XXXX | 8.500% | No | No | US Citizen | US Citizen | 1 | $15,270.48 | $1,512.96 | $1,272.54 | $126.08 | 0.000% | 0.000% | 0.000% | XXXX | 747 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 2.6 | No | No | 8.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.63 | 1.58 | XXXX | XXXX | 59.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 35.35 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000070083 | XXXX | Safe Harbor QM (APOR) | Yes | Yes | $1,730.00 | $6,773.60 | 7.653% | XXXX | XXXX | 7.625% | No | No | Employed | Self-Employed | US Citizen | US Citizen | $27,635.85 | 3 | $11,111.76 | $3,162.96 | $925.98 | $263.58 | 47.845% | 47.845% | 47.845% | XXXX | 781 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; CPA Letter - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; CPA Letter - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; CPA Letter - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2022 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2022 [Coborrower(s) - | Non-Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2025 [Coborrower(s) - | Non-Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; Transcripts (1040) - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - No Results Returned - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1040 - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; Transcripts (1040) - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | XXXX | $1,730.00 | 6.620% | $0.00 | DU | ApproveEligible | No | No | 7.625% | 1 | 1 | 2 | 0 | 3 | 2 | 0.00 | No | No | XXXX | XXXX | No | 26 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 55.61 | No | No | $33,205.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000070072 | XXXX | Non QM | Yes | No | $1,640.00 | $5,916.14 | 7.295% | XXXX | XXXX | 7.250% | No | No | Self-Employed | US Citizen | $5,971.73 | 1 | $7,620.96 | $2,277.96 | $635.08 | $189.83 | 47.596% | 47.596% | 47.596% | XXXX | 795 | No | No | Borrower Prepared | [Borrower - | Primary Income - S-Corp (>= 25%)]; Other - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Other - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2022 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022 [Borrower - | Non-Primary Income - Sole Proprietor]; P&L Statement - 2025 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2022 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Borrower - | Non-Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2025 [Borrower - | Non-Primary Income - IRA Distribution]; Account Statements - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - No Results Returned - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1040 - 2022 [Borrower]; 4506-C - 2022 [Borrower]; Transcripts (1040) - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Borrower]; 1084 or income worksheet - Year Not Available [Borrower]; 1084 or income worksheet - Year Not Available [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | Yes | XXXX | $1,640.00 | 6.620% | $0.00 | 1.3 | None | No | No | 7.250% | 0 | 2 | 0 | 3 | 2 | 15.00 | No | XXXX | XXXX | 51.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 37.33 | Yes | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000071870 | XXXX | Non QM | Yes | No | $1,985.00 | $3,691.70 | 7.328% | XXXX | XXXX | 7.250% | No | No | Employed | US Citizen | $13,026.72 | 1 | $3,172.44 | $710.04 | $264.37 | $59.17 | 33.675% | 33.675% | 33.675% | XXXX | 809 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXX | $1,985.00 | 6.660% | $0.00 | 4.9 | None | Yes | No | 7.250% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | XXXX | XXXX | 100.000% | No | 27 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 220.5 | No | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000069334 | XXXX | Non QM | Yes | No | $2,422.60 | $5,026.36 | 7.196% | XXXX | XXXX | 7.125% | No | No | Non-Employment Income | US Citizen | $10,673.80 | 1 | $4,422.84 | $987.60 | $368.57 | $82.30 | 29.102% | 29.102% | 29.102% | XXXX | 796 | No | No | [Borrower - | Primary Income - Pension]; Award Letter / Continuance Letter - 2025 [Borrower - | Primary Income - Pension]; 1099-R - 2024 [Borrower - | Primary Income - Pension]; 1099-R - 2024 [Borrower - | Primary Income - Pension]; Award Letter / Continuance Letter - 2024 [Borrower - | Primary Income - Pension]; 1099-R - 2023 [Borrower - | Primary Income - Pension]; 1099-R - 2023 [Borrower - | Non-Primary Income - Social Security]; Account Statements - 2025 [Borrower - | Non-Primary Income - Social Security]; 1099-SSA - 2024 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2024 [Borrower - | Non-Primary Income - Social Security]; 1099-SSA - 2023 [Borrower - | Non-Primary Income - VA Service Related Disability]; Other - 2025 [Borrower - | Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2024 [Borrower - | Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2024 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | No | XXXX | $2,422.60 | 6.730% | $0.00 | None | N/A | No | 7.125% | 0 | 2 | 0 | 3 | 1 | 0.00 | No | XXXX | XXXX | 52.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 33.03 | No | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000072709 | XXXX | N/A | No | No | $0.00 | 7.086% | XXXX | XXXX | 7.125% | No | No | Employed | US Citizen | $7,181.36 | 1 | $8,308.32 | $6,339.96 | $692.36 | $528.33 | 47.816% | 47.816% | 47.816% | XXXX | 769 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2022 |
[Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1040 - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXX | 6.650% | $0.00 | 3.2 | DU | ApproveEligible | No | No | 7.125% | 2 | 2 | 0 | 3 | 0 | 0.00 | No | XXXX | XXXX | 66.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 57.3 | No | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000066683 | XXXX | Non QM | Yes | No | $3,044.00 | $5,488.75 | 8.654% | XXXX | XXXX | 8.625% | No | No | Employed | Employed | US Citizen | US Citizen | $11,175.29 | 1 | $19,352.88 | $5,453.04 | $1,612.74 | $454.42 | 49.680% | 49.680% | 49.680% | XXXX | 696 | No | No | [Borrower - | Primary Income - Wages]; Employer Letter - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Employer Letter - 2025 [Coborrower(s) - | Primary Income - Wages]; Other - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; Transcripts (1040) - No Results Returned - 2024 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; Transcripts (1040) - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; Transcripts (1040) - 2022 [Coborrower]; 4506-C - 2021 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXX | $3,044.00 | 6.870% | $12,500.00 | 1.0 | None | Yes | No | 8.625% | 1 | 2 | 0 | 0 | 3 | 2 | 0.00 | No | XXXX | XXXX | 29.000% | No | 24 | 26 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 16.19 | Yes | No | $0.00 | $8,958.35 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000068453 | XXXX | N/A | No | No | XXXX | XXXX | 7.500% | No | No | US Citizen | 2 | $8,575.92 | $952.20 | $714.66 | $79.35 | 0.000% | 0.000% | 0.000% | XXXX | 762 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.57 | 0.64 | 240 | XXXX | XXXX | No | Yes | Preliminary | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 30.92 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000060362 | XXXX | N/A | No | No | XXXX | XXXX | 7.750% | No | No | US Citizen | 4 | $6,428.88 | $4,337.04 | $535.74 | $361.42 | 0.000% | 0.000% | 0.000% | XXXX | 713 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | No | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.58 | 0.63 | XXXX | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 108.79 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000069848 | XXXX | Non QM | Yes | No | $1,295.00 | $9,085.31 | 7.776% | XXXX | XXXX | 7.750% | No | No | Not Employed | Self-Employed | US Citizen | US Citizen | $38,257.45 | 1 | $17,203.92 | $5,964.00 | $1,433.66 | $497.00 | 29.074% | 29.074% | 29.074% | XXXX | 736 | No | Yes | 12 | Business | 100.000% | 50.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $1,295.00 | 6.620% | $0.00 | 3.0 | None | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | XXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 15.74 | No | No | $53,939.62 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000072390 | XXXX | N/A | No | No | XXXX | XXXX | 9.250% | No | No | US Citizen | 1 | $10,813.68 | $2,249.04 | $901.14 | $187.42 | 0.000% | 0.000% | 0.000% | XXXX | 743 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 2.5 | N/A | No | 9.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.43 | 2.32 | XXXX | XXXX | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 53.41 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000068328 | XXXX | N/A | No | Yes | $0.00 | 6.843% | XXXX | XXXX | 6.875% | No | No | Employed | Employed | Permanent Resident Alien | Permanent Resident Alien | $28,103.52 | 1 | $479.52 | $960.96 | $39.96 | $80.08 | 25.186% | 25.186% | 25.186% | XXXX | 767 | No | No | [Borrower - | Primary Income - Wages]; Other - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | XXXX | 6.850% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.875% | 1 | 1 | 1 | 0 | 3 | 0 | 0.00 | No | XXXX | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | Resident Alien Card | 62.68 | No | No | $0.00 | $22,747.55 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000070293 | XXXX | Non QM | Yes | No | $1,640.00 | $10,905.38 | 6.902% | XXXX | XXXX | 6.875% | No | No | Employed | Not Employed | US Citizen | US Citizen | $12,634.35 | 1 | $11,026.92 | $1,956.00 | $918.91 | $163.00 | 51.910% | 51.910% | 51.910% | XXXX | 784 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; Vesting Schedule - 2025 [Borrower - | Primary Income - Wages]; Vesting Schedule - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2022 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXX | $1,640.00 | 6.620% | $3,000.00 | 2.3 | None | N/A | No | 6.875% | 3 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | XXXX | XXXX | 100.000% | No | 26 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 130.08 | Yes | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000070470 | XXXX | N/A | No | No | XXXX | XXXX | 6.875% | No | No | US Citizen | US Citizen | 1 | $5,752.68 | $1,520.04 | $479.39 | $126.67 | 0.000% | 0.000% | 0.000% | XXXX | 788 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 1.0 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.85 | 1.17 | XXXX | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 42.82 | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000070343 | XXXX | Non QM | Yes | No | $2,126.08 | $4,598.30 | 8.075% | XXXX | XXXX | 8.000% | No | No | Self-Employed | US Citizen | $4,376.23 | 1 | $2,531.16 | $1,601.88 | $210.93 | $133.49 | 48.406% | 48.406% | 48.406% | XXXX | 727 | No | Yes | 24 | Personal | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Expense Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Other - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement | 1 | 0 | 0 | 0 | No | XXXX | $2,126.08 | 6.620% | $0.00 | 1.0 | None | Yes | No | 8.000% | 0 | 0 | 0 | 0 | 0 | 24 | 0.00 | Yes | XXXX | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 25.97 | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000070830 | XXXX | Safe Harbor QM (APOR) | Yes | Yes | $2,086.80 | $3,604.51 | 6.211% | XXXX | XXXX | 6.125% | No | No | Employed | Employed | US Citizen | Permanent Resident Alien | $36,117.41 | 1 | $1,119.48 | $2,837.40 | $93.29 | $236.45 | 20.746% | 20.746% | 20.746% | XXXX | 782 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | XXXX | $2,086.80 | 6.650% | $0.00 | 2.6 | DU | ApproveEligible | No | No | 6.125% | 1 | 1 | 1 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXX | XXXX | No | 3 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | No | 168.71 | No | No | $0.00 | $9,321.87 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000071737 | XXXX | Safe Harbor QM (APOR) | Yes | Yes | $995.00 | $2,584.08 | 7.347% | XXXX | XXXX | 7.250% | No | No | Employed | US Citizen | $13,331.29 | 1 | $2,363.04 | $678.96 | $196.92 | $56.58 | 23.821% | 23.821% | 23.821% | XXXX | 809 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXX | $995.00 | 6.660% | $0.00 | 1.0 | DU | ApproveEligible | No | No | 7.250% | 1 | 1 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXX | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 167.32 | No | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000071013 | XXXX | N/A | No | No | $3,600.00 | $5,234.20 | 7.893% | XXXX | XXXX | 7.625% | No | No | Self-Employed | US Citizen | $17,065.67 | 1 | $5,319.96 | $1,953.00 | $443.33 | $162.75 | 31.737% | 31.737% | 31.737% | XXXX | 791 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2022 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $3,600.00 | 6.650% | $0.00 | 1.0 | None | Yes | No | 7.625% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXX | XXXX | 2.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 29.76 | No | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000068047 | XXXX | N/A | No | No | XXXX | XXXX | 7.875% | No | No | US Citizen | 2 | $4,233.48 | $1,047.96 | $352.79 | $87.33 | 0.000% | 0.000% | 0.000% | XXXX | 773 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | No | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.57 | 0.64 | XXXX | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 71.96 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000072105 | XXXX | N/A | No | No | XXXX | XXXX | 7.500% | No | No | US Citizen | 1 | $1,673.88 | $3,575.04 | $139.49 | $297.92 | 0.000% | 0.000% | 0.000% | XXXX | 701 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 1.9 | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.15 | 0.87 | XXXX | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 113.45 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000070858 | XXXX | N/A | No | No | XXXX | XXXX | 7.875% | No | No | US Citizen | 1 | $2,006.16 | $588.00 | $167.18 | $49.00 | 0.000% | 0.000% | 0.000% | XXXX | 712 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 4.8 | No | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.55 | 1.82 | XXXX | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 62.51 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000068949 | XXXX | N/A | No | No | XXXX | XXXX | 6.750% | No | No | US Citizen | 1 | $2,904.36 | $1,283.04 | $242.03 | $106.92 | 0.000% | 0.000% | 0.000% | XXXX | 735 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 1.3 | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.05 | 0.95 | 240 | XXXX | XXXX | No | Yes | Commitment | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 63.86 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000072009 | XXXX | Non QM | Yes | No | $3,089.00 | $9,485.68 | 7.923% | XXXX | XXXX | 7.875% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $47,183.97 | 1 | $12,700.08 | $3,473.04 | $1,058.34 | $289.42 | 22.785% | 22.785% | 22.785% | XXXX | 802 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2021 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $3,089.00 | 6.660% | $5,000.00 | 1.0 | None | Yes | No | 7.875% | 0 | 0 | 0 | 0 | 4 | 0 | 12 | 0.00 | No | XXXX | XXXX | 3.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 12.09 | Yes | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000070358 | XXXX | Non QM | Yes | No | $13,886.06 | $20,428.85 | 8.541% | XXXX | XXXX | 8.000% | No | No | Self-Employed | US Citizen | $5,894.84 | 1 | $5,726.28 | $969.36 | $477.19 | $80.78 | 46.270% | 46.270% | 46.270% | XXXX | 814 | No | No | [Borrower - | Primary Income - Sole Proprietor]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Sole Proprietor]; Other - 2025 [Borrower - | Primary Income - Sole Proprietor]; Other - 2025 [Borrower - | Primary Income - Sole Proprietor]; Other - 2025 [Borrower - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2024 [Borrower - | Non-Primary Income - Sole Proprietor]; Account Statements - Personal - 2025 [Borrower - | Non-Primary Income - Sole Proprietor]; Other - 2025 [Borrower - | Non-Primary Income - Sole Proprietor]; Other - 2025 [Borrower - | Non-Primary Income - Sole Proprietor]; Other - 2025 [Borrower - | Non-Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Non-Primary Income - Sole Proprietor]; 1099 - 2024 [Borrower - | Non-Primary Income - Sole Proprietor]; Account Statements - Personal - 2025 [Borrower - | Non-Primary Income - Sole Proprietor]; Other - 2025 [Borrower - | Non-Primary Income - Sole Proprietor]; Other - 2025 [Borrower - | Non-Primary Income - Sole Proprietor]; Other - 2025 [Borrower - | Non-Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Non-Primary Income - Sole Proprietor]; 1099 - 2024 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - No Results Returned - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 1yr 1099 | 0 | 0 | 0 | No | XXXX | $13,886.06 | 6.650% | $0.00 | 1.0 | None | N/A | No | 8.000% | 0 | 1 | 0 | 4 | 0 | No | XXXX | XXXX | 52.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 40.53 | No | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000072427 | XXXX | N/A | No | Yes | $0.00 | 6.838% | XXXX | XXXX | 6.875% | No | No | Employed | US Citizen | $6,350.07 | 2 | $4,488.84 | $1,416.96 | $374.07 | $118.08 | 49.840% | 49.840% | 49.840% | XXXX | 792 | No | No | [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 | [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXX | 6.650% | $0.00 | DU | ApproveEligible | N/A | No | 6.875% | 0 | 1 | 0 | 3 | 0 | 0.00 | No | XXXX | XXXX | 26.000% | No | 27 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 22.65 | Yes | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000072484 | XXXX | N/A | No | No | XXXX | XXXX | 7.875% | No | No | US Citizen | 1 | $2,640.00 | $1,604.04 | $220.00 | $133.67 | 0.000% | 0.000% | 0.000% | XXXX | 720 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 1.0 | Yes | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.88 | 1.14 | XXXX | XXXX | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 171.69 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000071215 | XXXX | Non QM | Yes | No | $2,715.00 | $7,041.76 | 8.402% | XXXX | XXXX | 9.334% | No | No | Employed | Non-Permanent Resident Alien | XXXX | $6,516.23 | 1 | $14,054.40 | $1,552.20 | $1,171.20 | $129.35 | 45.698% | 43.862% | 45.698% | XXXX | 740 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXX | $2,715.00 | 6.790% | $0.00 | 1.0 | None | N/A | No | 9.334% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXX | XXXX | 3.000% | No | 25 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | VISA | 0 | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000069763 | XXXX | Safe Harbor QM (APOR) | Yes | Yes | $995.00 | $4,008.92 | 6.777% | XXXX | XXXX | 6.750% | No | No | Employed | Employed | US Citizen | US Citizen | $16,926.15 | 1 | $7,823.28 | $1,424.28 | $651.94 | $118.69 | 29.880% | 29.880% | 29.880% | XXXX | 786 | No | No | [Borrower - | Primary Income - Wages]; Leave and Earnings Statement (LES) - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Leave and Earnings Statement (LES) - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | XXXX | $995.00 | 6.620% | $0.00 | 1.7 | DU | ApproveEligible | No | No | 6.750% | 1 | 1 | 1 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXX | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 152.82 | No | No | $0.00 | $11,426.17 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000071956 | XXXX | Non QM | Yes | No | $15,109.77 | $19,855.74 | 7.011% | XXXX | XXXX | 6.750% | No | No | Self-Employed | US Citizen | $9,787.56 | 1 | $11,792.64 | $1,274.16 | $982.72 | $106.18 | 35.972% | 35.972% | 35.972% | XXXX | 760 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2025 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXX | $15,109.77 | 6.660% | $0.00 | 1.0 | None | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXX | XXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 13.6 | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000070453 | XXXX | Non QM | Yes | No | $5,970.00 | $11,649.76 | 7.006% | XXXX | XXXX | 6.875% | No | No | Self-Employed | US Citizen | $10,960.53 | 1 | $16,287.48 | $1,746.84 | $1,357.29 | $145.57 | 45.197% | 45.197% | 45.197% | XXXX | 717 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXX | $5,970.00 | 6.650% | $1,000.00 | 2.5 | None | Yes | No | 6.875% | 0 | 0 | 0 | 3 | 0 | 14.00 | No | XXXX | XXXX | 53.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 11.52 | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000072716 | XXXX | N/A | No | No | $0.00 | 7.464% | XXXX | XXXX | 7.500% | No | No | Self-Employed | US Citizen | $46,705.54 | 2 | $10,225.92 | $2,795.04 | $852.16 | $232.92 | 15.952% | 15.952% | 15.952% | XXXX | 813 | No | No | [Borrower - | Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2022 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2022 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2022 |
[Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1040 - 2022 [Borrower]; 4506-C - 2022 [Borrower]; Transcripts (1040) - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXX | 6.650% | $0.00 | DU | ApproveEligible | N/A | No | 7.500% | 2 | 2 | 0 | 4 | 2 | No | XXXX | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 10.58 | No | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000073864 | XXXX | Exempt from ATR | Non QM | Yes | Yes | No | $8,725.00 | $10,428.36 | 9.447% | XXXX | XXXX | 8.875% | No | No | Employed | US Citizen | $8,632.13 | 1 | $0.00 | $330.96 | $0.00 | $27.58 | 42.453% | 42.453% | 42.453% | XXXX | 743 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2024 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXX | $8,725.00 | 6.890% | $0.00 | None | N/A | No | 8.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXX | XXXX | 34.000% | No | 12 | Yes | Shares/Stock/Ownership (Co-op) | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 4.46 | Yes | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000069952 | XXXX | Non QM | Yes | No | $12,381.00 | $18,938.78 | 7.521% | XXXX | XXXX | 7.250% | No | No | Self-Employed | Permanent Resident Alien | $5,794.59 | 1 | $9,777.24 | $4,068.00 | $814.77 | $339.00 | 49.845% | 49.845% | 49.845% | XXXX | 771 | No | Yes | 12 | Personal | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $12,381.00 | 6.620% | $5,531.00 | 1.0 | None | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | XXXX | 42.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 25.19 | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000071345 | XXXX | Non QM | Yes | No | $19,195.00 | $25,320.93 | 7.487% | XXXX | XXXX | 7.375% | No | No | Self-Employed | US Citizen | $22,345.72 | 1 | $25,625.04 | $1,883.04 | $2,135.42 | $156.92 | 48.876% | 48.876% | 48.876% | XXXX | 750 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $19,195.00 | 6.660% | $1,500.00 | 1.8 | None | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | XXXX | 27.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 9.49 | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000070297 | XXXX | N/A | No | No | $30,207.50 | $36,698.92 | 8.321% | XXXX | XXXX | 8.000% | No | No | Not Employed | Not Employed | Self-Employed | 4.76 | US Citizen | US Citizen | $38,523.55 | 1 | $34,558.80 | $11,926.08 | $2,879.90 | $993.84 | 30.915% | 30.915% | 30.915% | XXXX | 743 | Level 4-Stated/Verified as defined | Level 5-Stated/Verified as defined | Level 3-Stated/Verified as defined | No | No | [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2022 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2022 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2022 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2022 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXX | $30,207.50 | 6.620% | $0.00 | 2.3 | None | Yes | No | 8.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXX | XXXX | No | Yes | Commitment | Fee Simple | LP | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 174.73 | No | No | $55,762.87 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000073899 | XXXX | Non QM | Yes | No | $30,559.69 | $31,126.52 | 8.515% | XXXX | XXXX | 8.125% | No | No | Self-Employed | US Citizen | $8,127.11 | 1 | $7,748.40 | $2,762.04 | $645.70 | $230.17 | 49.940% | 49.940% | 49.940% | XXXX | 702 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2011 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 1 | 0 | 0 | No | XXXX | $30,559.69 | 6.620% | $0.00 | 1.7 | None | No | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 6.41 | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000071303 | XXXX | N/A | No | No | XXXX | XXXX | 7.375% | No | No | US Citizen | 1 | $2,646.48 | $1,272.00 | $220.54 | $106.00 | 0.000% | 0.000% | 0.000% | XXXX | 793 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 1.0 | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.43 | 0.7 | XXXX | XXXX | 77.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 60.12 | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000069775 | XXXX | Non QM | Yes | No | $1,790.00 | $4,027.28 | 7.484% | XXXX | XXXX | 7.375% | No | No | Self-Employed | US Citizen | $5,068.68 | 1 | $4,091.28 | $675.24 | $340.94 | $56.27 | 42.098% | 42.098% | 42.098% | XXXX | 806 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2020 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $1,790.00 | 6.620% | $4,000.00 | 1.0 | None | N/A | No | 7.375% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXX | XXXX | 38.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 10.77 | Yes | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000071507 | XXXX | N/A | No | No | $2,165.00 | $3,196.82 | 7.548% | XXXX | XXXX | 7.375% | No | No | Self-Employed | US Citizen | $5,068.77 | 1 | $4,086.60 | $893.04 | $340.55 | $74.42 | 42.097% | 42.097% | 42.097% | XXXX | 806 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2020 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $2,165.00 | 6.660% | $0.00 | 1.2 | None | Yes | No | 7.375% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXX | XXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 96.73 | No | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000067844 | XXXX | Non QM | Yes | No | $20,120.02 | $21,877.98 | 9.094% | XXXX | XXXX | 8.875% | No | No | Self-Employed | US Citizen | $11,820.32 | 1 | $15,780.00 | $2,728.92 | $1,315.00 | $227.41 | 49.289% | 49.289% | 49.289% | XXXX | 688 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2024 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $20,120.02 | 6.850% | $20,000.00 | 1.0 | None | N/A | No | 8.875% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | XXXX | 25.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 7.24 | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000072408 | XXXX | N/A | No | No | XXXX | XXXX | 8.250% | No | No | US Citizen | 1 | $1,557.96 | $979.68 | $129.83 | $81.64 | 0.000% | 0.000% | 0.000% | XXXX | 764 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 1.0 | Yes | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.08 | 0.92 | XXXX | XXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 149.98 | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000072969 | XXXX | N/A | No | No | XXXX | XXXX | 7.375% | No | No | US Citizen | 1 | $6,140.76 | $2,033.40 | $511.73 | $169.45 | 0.000% | 0.000% | 0.000% | XXXX | 811 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 1.4 | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.87 | 1.15 | XXXX | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 57.08 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000068944 | XXXX | Safe Harbor QM (APOR) | Yes | No | $1,075.05 | $2,808.43 | 6.307% | XXXX | XXXX | 6.250% | No | No | Employed | Permanent Resident Alien | $13,099.56 | 1 | $5,752.32 | $1,932.00 | $479.36 | $161.00 | 35.839% | 35.839% | 35.839% | XXXX | 759 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXX | $1,075.05 | 6.620% | $7,500.00 | LP / LPA | Yes | Accept/Eligible | N/A | No | 6.250% | 1 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXX | XXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 260.45 | No | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000072574 | XXXX | Non QM | Yes | No | $11,859.80 | $9,073.75 | 8.570% | XXXX | XXXX | 8.500% | No | No | Self-Employed | US Citizen | $18,650.46 | 1 | $14,759.28 | $1,892.76 | $1,229.94 | $157.73 | 45.818% | 45.818% | 45.818% | XXXX | 776 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Yes | XXXX | $11,859.80 | 6.650% | $40,870.00 | 4.6 | None | No | No | 8.500% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXX | XXXX | 25.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 8.42 | Yes | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000073203 | XXXX | N/A | No | No | XXXX | XXXX | 10.250% | No | No | US Citizen | 1 | $13,279.08 | $3,198.96 | $1,106.59 | $266.58 | 0.000% | 0.000% | 0.000% | XXXX | 745 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 2.0 | N/A | No | 10.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.48 | 2.08 | XXXX | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 39.8 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000072637 | XXXX | Non QM | Yes | No | $11,734.59 | $2,937.29 | 7.768% | XXXX | XXXX | 7.750% | No | No | Self-Employed | Non-Permanent Resident Alien | XXXX | $9,319.54 | 1 | $8,433.96 | $3,310.32 | $702.83 | $275.86 | 37.147% | 37.147% | 37.147% | XXXX | 702 | No | Yes | 12 | Business | 100.000% | 90.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2023 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2021 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $11,734.59 | 6.650% | ($8,000.00) | 1.3 | None | No | No | 7.750% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | XXXX | XXXX | 10.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Employment Authorization | 7.67 | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000071394 | XXXX | Non QM | Yes | No | $35,341.20 | $38,301.66 | 8.218% | XXXX | XXXX | 7.750% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $15,837.66 | 1 | $12,162.12 | $842.04 | $1,013.51 | $70.17 | 39.821% | 39.821% | 39.821% | XXXX | 784 | No | Yes | 12 | Business | 80.000% | 85.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 85.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 85.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 85.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 85.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $35,341.20 | 6.660% | $0.00 | 1.0 | None | No | No | 7.750% | 0 | 2 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | XXXX | 18.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | 7.59 | Yes | No | $0.00 | $5,270.81 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000073224 | XXXX | N/A | No | No | $4,224.00 | $7,047.79 | 7.390% | XXXX | XXXX | 7.250% | No | No | Not Employed | Self-Employed | Self-Employed | 3.21 | US Citizen | US Citizen | $16,640.11 | 1 | $9,222.00 | $1,862.40 | $768.50 | $155.20 | 28.793% | 25.606% | 28.793% | XXXX | 790 | Level 3-Stated/Partially Verified | Level 5-Stated/Verified as defined | Level 3-Stated/Verified as defined | No | No | [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Other - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Other - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Other - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Other - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXX | $4,224.00 | 6.620% | $0.00 | 3.3 | None | N/A | No | 7.250% | 0 | 2 | 0 | 0 | 0 | 0 | 0.00 | No | 240 | XXXX | XXXX | 100.000% | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 439.97 | No | No | $23,368.68 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000069448 | XXXX | N/A | No | No | XXXX | XXXX | 8.625% | No | No | US Citizen | 1 | $3,980.52 | $3,372.84 | $331.71 | $281.07 | 0.000% | 0.000% | 0.000% | XXXX | 666 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 1.0 | N/A | No | 8.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | XXXX | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 75.99 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000072462 | XXXX | N/A | No | No | $2,295.00 | $5,151.57 | 7.588% | XXXX | XXXX | 7.500% | No | No | Not Employed | Non-Employment Income | Non-Employment Income | 0 | US Citizen | US Citizen | $2,961.61 | 1 | $17,376.72 | $4,880.04 | $1,448.06 | $406.67 | 46.025% | 46.025% | 46.025% | XXXX | 804 | Level 4-Stated/Verified as defined | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | No | No | [Coborrower(s) - | Primary Income - Social Security]; Account Statements - 2025 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Coborrower(s) - | Primary Income - Social Security]; Account Statements - 2025 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | No | XXXX | $2,295.00 | 6.650% | $6,000.00 | 1.0 | None | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXX | XXXX | 72.000% | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 135.89 | No | No | $5,487.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000068375 | XXXX | Non QM | Yes | No | $8,240.00 | $12,488.38 | 7.183% | XXXX | XXXX | 7.125% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $10,840.29 | 1 | $22,284.60 | $7,007.76 | $1,857.05 | $583.98 | 0.000% | 0.000% | 0.000% | XXXX | 790 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | No | XXXX | $8,240.00 | 6.730% | $5,000.00 | 3.6 | None | No | No | 7.125% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | XXXX | XXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Trustee | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 189.39 | Yes | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000072683 | XXXX | Non QM | Yes | No | $15,766.88 | $0.00 | 6.963% | XXXX | XXXX | 6.990% | No | No | Self-Employed | Permanent Resident Alien | $33,058.07 | 1 | $19,362.48 | $5,180.04 | $1,613.54 | $431.67 | 24.941% | 24.941% | 24.941% | XXXX | 732 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Yes | XXXX | $15,766.88 | 6.650% | $14,000.00 | 1.3 | None | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | XXXX | 35.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 15.34 | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000072324 | XXXX | N/A | No | No | XXXX | XXXX | 8.000% | No | No | US Citizen | 1 | $5,564.16 | $1,769.04 | $463.68 | $147.42 | 0.000% | 0.000% | 0.000% | XXXX | 730 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 1.0 | Yes | No | 8.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | XXXX | XXXX | 43.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 23.99 | Yes | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074376 | XXXX | N/A | No | No | XXXX | XXXX | 7.250% | No | No | US Citizen | 1 | $10,390.68 | $3,513.84 | $865.89 | $292.82 | 0.000% | 0.000% | 0.000% | XXXX | 739 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXX | $0.00 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.86 | 1.17 | XXXX | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 20.51 | Yes | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000071328 | XXXX | N/A | No | No | XXXX | XXXX | 7.625% | No | No | US Citizen | 1 | $1,662.84 | $324.96 | $138.57 | $27.08 | 0.000% | 0.000% | 0.000% | XXXX | 735 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 1.2 | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.85 | 1.17 | XXXX | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 3.06 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000070931 | XXXX | N/A | No | Yes | $0.00 | 6.981% | XXXX | XXXX | 7.000% | No | No | Self-Employed | Permanent Resident Alien | $13,927.17 | 1 | $1,957.20 | $1,160.04 | $163.10 | $96.67 | 30.591% | 30.591% | 30.591% | XXXX | 757 | No | No | [Borrower - | Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Other - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | Yes | XXXX | 6.650% | $0.00 | 1.1 | DU | ApproveEligible | Yes | No | 7.000% | 2 | 1 | 0 | 3 | 0 | No | XXXX | XXXX | 19.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 30.88 | No | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000071090 | XXXX | Non QM | Yes | No | $1,720.00 | $236.35 | 6.988% | XXXX | XXXX | 7.000% | No | No | Self-Employed | US Citizen | $32,943.85 | 1 | $2,846.04 | $1,281.96 | $237.17 | $106.83 | 25.176% | 25.176% | 25.176% | XXXX | 807 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $1,720.00 | 6.700% | $8,000.00 | 1.2 | None | No | No | 7.000% | 0 | 0 | 0 | 4 | 0 | 12 | 0.00 | No | XXXX | XXXX | 2.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 111.51 | No | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000072480 | XXXX | N/A | No | Yes | $0.00 | 7.605% | XXXX | XXXX | 7.625% | No | No | Employed | Employed | US Citizen | Permanent Resident Alien | $13,736.77 | 1 | $1,801.92 | $1,041.00 | $150.16 | $86.75 | 24.533% | 24.533% | 24.533% | XXXX | 737 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXX | 6.650% | $0.00 | 2.3 | DU | ApproveEligible | N/A | No | 7.625% | 2 | 1 | 0 | 0 | 3 | 0 | 0.00 | No | XXXX | XXXX | 30.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 13.47 | No | No | $0.00 | $8,111.70 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000070075 | XXXX | N/A | No | Yes | $0.00 | 7.344% | XXXX | XXXX | 7.375% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $7,195.01 | 1 | $4,506.72 | $1,276.20 | $375.56 | $106.35 | 43.711% | 43.711% | 43.711% | XXXX | 783 | No | No | [Borrower - | Primary Income - Pension]; 1099-R - 2024 [Borrower - | Non-Primary Income - Social Security]; 1099-SSA - 2024 [Coborrower(s) - | Primary Income - Pension]; 1099-R - 2024 [Coborrower(s) - | Non-Primary Income - Social Security]; 1099-SSA - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | No | XXXX | 6.620% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 7.375% | 0 | 0 | 1 | 0 | 3 | 0 | 0.00 | No | XXXX | XXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 397.86 | No | No | $6,783.18 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000072469 | XXXX | N/A | No | No | XXXX | XXXX | 8.500% | No | No | Permanent Resident Alien | 2 | $13,897.32 | $3,008.88 | $1,158.11 | $250.74 | 0.000% | 0.000% | 0.000% | XXXX | 803 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | No | No | 8.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.81 | 1.23 | XXXX | XXXX | 31.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 6.12 | Retail | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000069586 | XXXX | N/A | No | Yes | $0.00 | 6.353% | XXXX | XXXX | 6.375% | No | No | Self-Employed | US Citizen | $14,344.80 | 1 | $2,928.00 | $782.04 | $244.00 | $65.17 | 12.574% | 12.574% | 12.574% | XXXX | 801 | No | No | [Borrower - | Primary Income - S-Corp (>= 25%)]; Other - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Other - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 Transcript - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Other - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Other - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Business Account Transcripts - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | XXXX | 6.620% | $0.00 | 2.9 | DU | ApproveEligible | No | No | 6.375% | 2 | 1 | 0 | 3 | 1 | No | XXXX | XXXX | No | Yes | Preliminary | Fee Simple | Individual | Trustee | No | Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 132.82 | No | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000071744 | XXXX | Safe Harbor QM (APOR) | Yes | Yes | $1,748.28 | $3,037.89 | 6.840% | XXXX | XXXX | 6.750% | No | No | Employed | US Citizen | $3,322.83 | 1 | $507.24 | $3,369.00 | $42.27 | $280.75 | 27.296% | 27.296% | 27.296% | XXXX | 720 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXX | $1,748.28 | 6.660% | $0.00 | 1.0 | DU | ApproveEligible | No | No | 6.750% | 0 | 1 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXX | XXXX | No | 27 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 44.23 | No | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000069419 | XXXX | N/A | No | No | $0.00 | 6.734% | XXXX | XXXX | 6.750% | No | No | Employed | Non-Permanent Resident Alien | $11,285.61 | 1 | $7,381.20 | $3,762.96 | $615.10 | $313.58 | 45.829% | 45.829% | 45.829% | XXXX | 796 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXX | 6.730% | $0.00 | 4.0 | DU | ApproveEligible | Yes | No | 6.750% | 1 | 0 | 0 | 3 | 0 | 0.00 | No | XXXX | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Employment Authorization | 292.35 | No | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000070581 | XXXX | N/A | No | No | XXXX | XXXX | 7.750% | No | No | US Citizen | 1 | $2,086.56 | $189.00 | $173.88 | $15.75 | 0.000% | 0.000% | 0.000% | XXXX | 808 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 1.0 | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.89 | 1.12 | XXXX | XXXX | No | Yes | Short Form | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 86.84 | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000072603 | XXXX | N/A | No | No | XXXX | XXXX | 7.875% | No | No | US Citizen | US Citizen | 1 | $2,135.16 | $1,410.00 | $177.93 | $117.50 | 0.000% | 0.000% | 0.000% | XXXX | 792 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 3.7 | No | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.57 | 1.74 | XXXX | XXXX | 34.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 14.89 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000073563 | XXXX | N/A | No | No | XXXX | XXXX | 7.875% | No | No | 0 | US Citizen | US Citizen | 1 | $2,676.96 | $3,794.04 | $223.08 | $316.17 | 0.000% | 0.000% | 0.000% | XXXX | 803 | Level 3-Stated/Partially Verified | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 3.2 | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.05 | 0.95 | XXXX | XXXX | 80.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 84.2 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000071257 | XXXX | N/A | No | No | $1,795.00 | $14,155.91 | 8.089% | XXXX | XXXX | 8.336% | No | No | Self-Employed | US Citizen | $42,132.35 | 1 | $24,375.00 | $6,018.00 | $2,031.25 | $501.50 | 39.518% | 38.603% | 39.518% | XXXX | 758 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - S-Corp (>= 25%)]; Other - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 Transcript - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXX | $1,795.00 | 6.660% | $0.00 | 1.0 | None | Yes | No | 8.336% | 2 | 1 | 0 | 3 | 1 | 14.80 | No | XXXX | XXXX | 20.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 19.49 | Yes | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000071958 | XXXX | Non QM | Yes | No | $5,876.00 | $9,326.00 | 7.986% | XXXX | XXXX | 7.750% | No | No | Self-Employed | US Citizen | $12,118.39 | 1 | $6,187.44 | $1,278.00 | $515.62 | $106.50 | 30.192% | 30.192% | 30.192% | XXXX | 732 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXX | $5,876.00 | 6.660% | $0.00 | 1.0 | None | No | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXX | XXXX | 5.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 6.61 | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000072510 | XXXX | N/A | No | No | $72,345.00 | $34,676.60 | 8.690% | XXXX | XXXX | 9.584% | No | No | Not Employed | Self-Employed | US Citizen | $36,843.90 | 1 | $5,297.64 | $561.00 | $441.47 | $46.75 | 45.568% | 41.469% | 45.568% | XXXX | 761 | No | Yes | 12 | Business | 100.000% | 25.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2020 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $72,345.00 | 6.780% | $0.00 | 1.0 | None | No | No | 9.584% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | 240 | XXXX | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 26.55 | No | No | $67,687.39 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000073665 | XXXX | N/A | No | No | $11,029.00 | $14,177.24 | 9.256% | XXXX | XXXX | 8.875% | No | No | Self-Employed | US Citizen | $7,459.10 | 1 | $7,214.40 | $2,480.04 | $601.20 | $206.67 | 45.829% | 45.829% | 45.829% | XXXX | 745 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2020 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2021 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXX | $11,029.00 | 6.700% | $0.00 | 1.1 | None | No | No | 8.875% | 0 | 0 | 0 | 4 | 0 | 12.00 | No | XXXX | XXXX | 18.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 8.1 | Yes | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000071877 | XXXX | Safe Harbor QM (APOR) | Yes | No | $995.00 | $2,480.83 | 7.028% | XXXX | XXXX | 7.000% | No | No | Not Employed | Employed | US Citizen | US Citizen | $8,740.39 | 1 | $2,038.92 | $2,443.32 | $169.91 | $203.61 | 47.558% | 47.558% | 47.558% | XXXX | 758 | No | No | [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | XXXX | $995.00 | 6.660% | $2,000.00 | 999.0 | LP / LPA | Accept/Eligible | Yes | No | 7.000% | 0 | 1 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXX | XXXX | 31.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 7.61 | No | No | $0.00 | $16,666.67 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074210 | XXXX | N/A | No | No | XXXX | XXXX | 8.625% | No | No | Permanent Resident Alien | 4 | $9,851.52 | $2,892.00 | $820.96 | $241.00 | 0.000% | 0.000% | 0.000% | XXXX | 702 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | N/A | No | 8.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.04 | 0.97 | XXXX | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 39.36 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074345 | XXXX | N/A | No | No | XXXX | XXXX | 7.000% | No | No | US Citizen | 1 | $433.56 | $1,427.64 | $36.13 | $118.97 | 0.000% | 0.000% | 0.000% | XXXX | 733 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.49 | 0.67 | XXXX | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 165.85 | Yes | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000072692 | XXXX | Non QM | Yes | No | $35,567.60 | $14,042.27 | 7.282% | XXXX | XXXX | 7.250% | No | No | Self-Employed | US Citizen | $29,931.26 | 1 | $24,622.56 | $5,163.36 | $2,051.88 | $430.28 | 40.051% | 40.051% | 40.051% | XXXX | 764 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $35,567.60 | 6.650% | $0.00 | None | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | XXXX | 0.000% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 11.39 | Yes | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000072362 | XXXX | Safe Harbor QM (APOR) | Yes | No | $1,759.27 | $4,640.39 | 6.932% | XXXX | XXXX | 6.750% | No | No | Employed | Not Employed | US Citizen | US Citizen | $15,876.25 | 1 | $6,570.84 | $1,693.92 | $547.57 | $141.16 | 27.489% | 27.489% | 27.489% | XXXX | 780 | No | No | [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2021 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXX | $1,759.27 | 6.650% | $0.00 | 1.0 | LP / LPA | Accept/Eligible | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 4 | 0 | 0.00 | No | Not Stated | XXXX | XXXX | 67.000% | No | 26 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 37.61 | No | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000071717 | XXXX | Safe Harbor QM (APOR) | Yes | No | $3,845.00 | $5,326.11 | 7.603% | XXXX | XXXX | 7.250% | No | No | Employed | US Citizen | $13,372.11 | 1 | $6,970.92 | $1,938.96 | $580.91 | $161.58 | 28.058% | 28.058% | 28.058% | XXXX | 742 | No | No | [Borrower - | Primary Income - Wages]; Other - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | XXXX | $3,845.00 | 6.660% | $0.00 | 3.5 | DU | ApproveEligible | No | No | 7.250% | 1 | 1 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXX | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 25.53 | Yes | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074100 | XXXX | N/A | No | No | XXXX | XXXX | 6.875% | No | No | US Citizen | 2 | $665.04 | $2,319.60 | $55.42 | $193.30 | 0.000% | 0.000% | 0.000% | XXXX | 746 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXX | $0.00 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.43 | 0.7 | XXXX | XXXX | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 23.59 | Yes | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000071995 | XXXX | N/A | No | Yes | $0.00 | 7.328% | XXXX | XXXX | 7.375% | No | No | Self-Employed | US Citizen | $9,252.12 | 1 | $2,138.76 | $1,317.12 | $178.23 | $109.76 | 31.763% | 31.763% | 31.763% | XXXX | 765 | No | No | [Borrower - | Primary Income - S-Corp (>= 25%)]; Other - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Other - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; Business Account Transcripts - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022 |
[Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | XXXX | 6.660% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 7.375% | 1 | 1 | 0 | 3 | 1 | No | XXXX | XXXX | 34.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 15.01 | No | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000070303 | XXXX | Non QM | Yes | No | $4,711.11 | $8,362.43 | 7.226% | XXXX | XXXX | 7.125% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $30,573.08 | 1 | $10,092.84 | $2,296.08 | $841.07 | $191.34 | 20.556% | 20.556% | 20.556% | XXXX | 773 | No | Yes | 12 | Business | 100.000% | 95.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 95.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 95.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 95.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 95.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 95.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 95.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 95.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 95.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2017 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Yes | XXXX | $4,711.11 | 6.620% | $217,000.00 | 2.6 | None | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXX | XXXX | 3.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 6.84 | No | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000073692 | XXXX | N/A | No | No | XXXX | XXXX | 9.500% | No | No | US Citizen | 1 | $7,925.04 | $2,621.04 | $660.42 | $218.42 | 0.000% | 0.000% | 0.000% | XXXX | 766 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 2.6 | N/A | No | 9.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.52 | 1.91 | XXXX | XXXX | 24.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 23.7 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000065634 | XXXX | Non QM | Yes | No | $11,817.40 | $5,936.93 | 8.841% | XXXX | XXXX | 8.750% | No | No | Self-Employed | US Citizen | $36,473.20 | 1 | $11,925.00 | $1,692.96 | $993.75 | $141.08 | 26.761% | 26.761% | 26.761% | XXXX | 697 | No | Yes | 12 | Business | 100.000% | 90.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $11,817.40 | 6.700% | $0.00 | 2.1 | None | N/A | No | 8.750% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | XXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 14.27 | No | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000072602 | XXXX | N/A | No | No | XXXX | XXXX | 7.875% | No | No | US Citizen | 1 | $18,553.44 | $742.56 | $1,546.12 | $61.88 | 0.000% | 0.000% | 0.000% | XXXX | 775 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 1.4 | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.85 | 1.17 | XXXX | XXXX | 85.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 69.71 | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000073370 | XXXX | N/A | No | No | XXXX | XXXX | 7.875% | No | No | US Citizen | US Citizen | 1 | $7,684.32 | $1,291.08 | $640.36 | $107.59 | 0.000% | 0.000% | 0.000% | XXXX | 765 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 1.0 | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.87 | 1.14 | XXXX | XXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 13.15 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000070525 | XXXX | Non QM | Yes | No | $2,090.00 | $3,962.99 | 7.310% | XXXX | XXXX | 7.250% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $29,205.52 | 1 | $2,511.48 | $1,005.00 | $209.29 | $83.75 | 23.975% | 23.975% | 23.975% | XXXX | 778 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - S-Corp (>= 25%)]; Other - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Other - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Business License - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2023 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Other - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Other - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Business License - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Other - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Other - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Business License - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2023 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; Other - 2025 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; Other - 2025 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; Business License - 2024 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 4506-C - 2022 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXX | $2,090.00 | 6.650% | $3,000.00 | 1.8 | None | No | No | 7.250% | 2 | 2 | 1 | 0 | 3 | 1 | 14.07 | No | XXXX | XXXX | 41.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 77.96 | No | No | $19,464.36 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000071774 | XXXX | Safe Harbor QM (APOR) | Yes | Yes | $995.00 | $0.00 | 6.987% | XXXX | XXXX | 7.000% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $19,204.50 | 1 | $4,306.44 | $1,623.00 | $358.87 | $135.25 | 39.176% | 39.176% | 39.176% | XXXX | 800 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Borrower - | Primary Income - Partnership (>= 25%)]; K-1 - 2023 [Borrower - | Primary Income - Partnership (>= 25%)]; 1065 - 2022 [Borrower - | Primary Income - Partnership (>= 25%)]; K-1 - 2022 [Coborrower(s) - | Primary Income - K-1 (< 25%)]; K-1 - 2024 [Coborrower(s) - | Primary Income - K-1 (< 25%)]; K-1 - 2023 [Coborrower(s) - | Primary Income - K-1 (< 25%)]; K-1 - 2022 |
[Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1040 - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 1040 - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXX | $995.00 | 6.660% | $0.00 | DU | ApproveEligible | N/A | No | 7.000% | 0 | 0 | 2 | 0 | 3 | 0 | 0.00 | No | No | XXXX | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 56.64 | No | No | $57,555.25 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000072812 | XXXX | N/A | No | No | XXXX | XXXX | 8.375% | No | No | US Citizen | 1 | $6,161.28 | $1,530.00 | $513.44 | $127.50 | 0.000% | 0.000% | 0.000% | XXXX | 747 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 1.4 | N/A | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.69 | 1.44 | XXXX | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 84.21 | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000073901 | XXXX | N/A | No | No | XXXX | XXXX | 8.250% | No | No | US Citizen | 1 | $19,490.28 | $1,517.04 | $1,624.19 | $126.42 | 0.000% | 0.000% | 0.000% | XXXX | 749 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 1.0 | Yes | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.82 | 1.22 | XXXX | XXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 89.1 | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000071149 | XXXX | Non QM | Yes | No | $5,049.38 | $7,530.15 | 7.188% | XXXX | XXXX | 6.750% | No | No | Self-Employed | US Citizen | $2,431.11 | 1 | $4,196.76 | $1,263.60 | $349.73 | $105.30 | 39.102% | 39.102% | 39.102% | XXXX | 712 | No | Yes | 12 | Business | 66.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $5,049.38 | 6.620% | $0.00 | 1.0 | None | Yes | No | 6.750% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | XXXX | XXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | 125.84 | Yes | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000072582 | XXXX | N/A | No | No | XXXX | XXXX | 8.375% | No | No | US Citizen | 1 | $2,849.16 | $1,740.96 | $237.43 | $145.08 | 0.000% | 0.000% | 0.000% | XXXX | 749 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | Yes | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | XXXX | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 96.22 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000070987 | XXXX | Non QM | Yes | No | $14,429.40 | $16,251.40 | 7.319% | XXXX | XXXX | 6.875% | No | No | Self-Employed | US Citizen | $10,047.63 | 1 | $5,380.20 | $780.96 | $448.35 | $65.08 | 30.706% | 30.706% | 30.706% | XXXX | 778 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2025 |
Alternative Documentation (A) | 1yr P&L w/o Bank Statements | 0 | 0 | 0 | No | XXXX | $14,429.40 | 6.650% | $0.00 | 1.0 | None | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXX | XXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 14.25 | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000072820 | XXXX | N/A | No | Yes | $0.00 | $0.00 | 7.111% | XXXX | XXXX | 7.125% | No | No | Employed | US Citizen | $79,151.51 | 1 | $12,500.04 | $1,738.56 | $1,041.67 | $144.88 | 12.742% | 12.742% | 12.742% | XXXX | 805 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXX | 6.650% | $9,900.00 | 1.0 | DU | ApproveEligible | Yes | No | 7.125% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | XXXX | XXXX | 60.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 62.49 | No | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000072923 | XXXX | Non QM | Yes | No | $19,081.00 | $22,908.22 | 7.313% | XXXX | XXXX | 7.000% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $17,880.17 | 1 | $10,972.32 | $1,642.56 | $914.36 | $136.88 | 46.720% | 46.720% | 46.720% | XXXX | 764 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2025 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXX | $19,081.00 | 6.650% | $0.00 | 2.6 | None | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXX | XXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 12.89 | No | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000073646 | XXXX | Non QM | Yes | No | $6,075.00 | $8,275.97 | 8.989% | XXXX | XXXX | 8.834% | No | No | Employed | Non-Permanent Resident Alien | XXXX | $4,135.53 | 1 | $0.00 | $0.00 | $0.00 | $0.00 | 46.980% | 49.565% | 46.980% | XXXX | 785 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | Yes | XXXX | $6,075.00 | 6.780% | $0.00 | None | N/A | No | 8.834% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXX | XXXX | 29.000% | No | 27 | Yes | Shares/Stock/Ownership (Co-op) | Fee Simple | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Employment Authorization | 3.32 | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000071657 | XXXX | N/A | No | No | XXXX | XXXX | 7.375% | No | No | US Citizen | 1 | $4,176.00 | $789.96 | $348.00 | $65.83 | 0.000% | 0.000% | 0.000% | XXXX | 770 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 1.3 | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.84 | 1.2 | XXXX | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 120.8 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000073920 | XXXX | Non QM | Yes | No | $6,455.00 | $7,516.39 | 7.951% | XXXX | XXXX | 7.750% | No | No | Employed | Not Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | XXXX | XXXX | $5,844.12 | 1 | $2,817.48 | $1,555.44 | $234.79 | $129.62 | 39.521% | 39.521% | 39.521% | XXXX | 706 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXX | $6,455.00 | 6.700% | $0.00 | 2.1 | None | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXX | XXXX | 32.000% | No | 27 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | VISA | VISA | 19.13 | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000073028 | XXXX | N/A | No | No | $12,844.00 | $5,029.11 | 7.148% | XXXX | XXXX | 7.000% | No | No | Not Employed | Employed | US Citizen | $3,684.01 | 1 | $9,484.08 | $2,898.96 | $790.34 | $241.58 | 49.970% | 49.970% | 49.970% | XXXX | 761 | No | No | [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2025 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXX | $12,844.00 | 6.650% | $5,000.00 | 2.3 | None | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXX | XXXX | 17.000% | No | 26 | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 16.84 | No | Yes | $0.00 | $7,363.61 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000070685 | XXXX | Non QM | Yes | No | $4,498.18 | $6,271.55 | 7.849% | XXXX | XXXX | 7.750% | No | No | Employed | US Citizen | $6,167.00 | 1 | $5,775.24 | $8,502.00 | $481.27 | $708.50 | 46.745% | 46.745% | 46.745% | XXXX | 745 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Borrower - | Non-Primary Income - Alimony]; Account Statements - 2025 [Borrower - | Non-Primary Income - Alimony]; Divorce Decree - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXX | $4,498.18 | 6.650% | $0.00 | 1.0 | None | Yes | No | 7.750% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | XXXX | XXXX | No | 26 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 15.78 | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000071180 | XXXX | Non QM | Yes | No | $1,985.00 | $3,836.40 | 8.426% | XXXX | XXXX | 8.375% | No | No | Self-Employed | US Citizen | $5,893.32 | 1 | $6,487.80 | $2,352.00 | $540.65 | $196.00 | 49.465% | 49.465% | 49.465% | XXXX | 705 | No | Yes | 12 | Personal | 71.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Non-Primary Income - Social Security]; Account Statements - 2025 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $1,985.00 | 6.650% | $0.00 | 1.0 | None | Yes | No | 8.375% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | XXXX | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 15.7 | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000072519 | XXXX | Non QM | Yes | No | $2,343.83 | $2,830.67 | 6.970% | XXXX | XXXX | 6.875% | No | No | Employed | Permanent Resident Alien | $3,548.45 | 1 | $8,651.16 | $1,808.04 | $720.93 | $150.67 | 45.409% | 45.409% | 45.409% | XXXX | 752 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXX | $2,343.83 | 6.650% | $5,000.00 | 1.0 | None | N/A | No | 6.875% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | XXXX | XXXX | 16.000% | No | 27 | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 19.51 | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000070300 | XXXX | Non QM | Yes | No | $1,575.00 | $3,130.23 | 8.184% | XXXX | XXXX | 8.125% | No | No | Self-Employed | US Citizen | $12,248.18 | 1 | $12,385.32 | $8,777.40 | $1,032.11 | $731.45 | 37.845% | 37.845% | 37.845% | XXXX | 729 | No | Yes | 12 | Business | 100.000% | 51.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $1,575.00 | 6.620% | $0.00 | 1.9 | None | No | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 23.43 | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074145 | XXXX | Non QM | Yes | No | $8,022.98 | $3,869.03 | 9.381% | XXXX | XXXX | 9.250% | No | No | Self-Employed | US Citizen | $143,003.10 | 1 | $6,306.36 | $891.96 | $525.53 | $74.33 | 8.113% | 8.113% | 8.113% | XXXX | 685 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $8,022.98 | 6.660% | $0.00 | 1.0 | None | Yes | No | 9.250% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | XXXX | 1.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 157.64 | No | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000072261 | XXXX | N/A | No | No | XXXX | XXXX | 7.875% | No | No | US Citizen | US Citizen | 1 | $4,325.40 | $1,716.00 | $360.45 | $143.00 | 0.000% | 0.000% | 0.000% | XXXX | 688 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 1.6 | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.3 | 0.77 | XXXX | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 34.53 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000072196 | XXXX | Non QM | Yes | No | $12,895.00 | $0.00 | 8.477% | XXXX | XXXX | 8.500% | No | No | Not Employed | Self-Employed | US Citizen | US Citizen | $7,799.60 | 1 | $8,124.96 | $2,499.96 | $677.08 | $208.33 | 48.585% | 48.585% | 48.585% | XXXX | 735 | No | Yes | 24 | Business | 100.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2024 |
[Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | No | XXXX | $12,895.00 | 6.650% | $11,584.00 | 2.5 | None | Yes | No | 8.500% | 0 | 0 | 0 | 0 | 0 | 0 | 24 | 0.00 | No | XXXX | XXXX | 1.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 7.31 | Yes | No | $15,169.93 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074047 | XXXX | N/A | No | No | $32,909.00 | $10,867.00 | 8.015% | XXXX | XXXX | 7.875% | No | No | Employed | US Citizen | $10,257.36 | 1 | $10,819.68 | $1,328.52 | $901.64 | $110.71 | 49.366% | 49.366% | 49.366% | XXXX | 774 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXX | $32,909.00 | 6.700% | $0.00 | 1.0 | None | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXX | XXXX | 28.000% | No | 27 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 8.82 | No | Yes | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000073714 | XXXX | N/A | No | No | XXXX | XXXX | 9.250% | No | No | US Citizen | 1 | $4,425.00 | $891.00 | $368.75 | $74.25 | 0.000% | 0.000% | 0.000% | XXXX | 708 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 1.0 | Yes | No | 9.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.88 | 1.14 | XXXX | XXXX | 38.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 9.28 | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000072930 | XXXX | N/A | No | No | XXXX | XXXX | 9.375% | No | No | US Citizen | 1 | $2,437.68 | $2,859.00 | $203.14 | $238.25 | 0.000% | 0.000% | 0.000% | XXXX | 770 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 2.0 | N/A | No | 9.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.89 | 1.12 | XXXX | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 17.45 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000072053 | XXXX | Non QM | Yes | No | $2,515.00 | $2,932.72 | 7.174% | XXXX | XXXX | 7.125% | No | No | Self-Employed | US Citizen | $3,812.35 | 1 | $14,922.12 | $1,953.96 | $1,243.51 | $162.83 | 53.792% | 53.792% | 53.792% | XXXX | 722 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - S-Corp (>= 25%)]; Other - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2005 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | Yes | XXXX | $2,515.00 | 6.650% | $0.00 | 2.5 | None | Yes | No | 7.125% | 0 | 1 | 0 | 3 | 1 | 3.00 | No | XXXX | XXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 172.08 | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000071565 | XXXX | N/A | No | Yes | $0.00 | 7.830% | XXXX | XXXX | 7.875% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $12,117.85 | 1 | $6,817.08 | $1,893.24 | $568.09 | $157.77 | 42.438% | 42.438% | 42.438% | XXXX | 755 | No | No | [Borrower - | Primary Income - Sole Proprietor]; Other - 2025 [Borrower - | Primary Income - Sole Proprietor]; Other - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | XXXX | 6.660% | $0.00 | 3.2 | DU | ApproveEligible | No | No | 7.875% | 0 | 0 | 1 | 0 | 3 | 1 | No | XXXX | XXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 200.02 | No | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000072754 | XXXX | Non QM | Yes | No | $1,790.00 | $5,242.40 | 7.285% | XXXX | XXXX | 7.250% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $10,058.74 | 1 | $8,185.44 | $941.04 | $682.12 | $78.42 | 47.334% | 47.334% | 47.334% | XXXX | 775 | No | No | [Borrower - | Primary Income - Pension]; Account Statements - 2025 [Borrower - | Non-Primary Income - Social Security]; Account Statements - 2025 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Borrower - | Non-Primary Income - Pension]; Account Statements - 2025 [Borrower - | Non-Primary Income - Pension]; 1099-R - 2024 [Coborrower(s) - | Primary Income - Social Security]; Account Statements - 2025 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Coborrower(s) - | Non-Primary Income - Pension]; Account Statements - 2025 [Coborrower(s) - | Non-Primary Income - Pension]; 1099-R - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | No | XXXX | $1,790.00 | 6.650% | $0.00 | 1.6 | None | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 3 | 2 | 0.00 | No | XXXX | XXXX | 46.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 35.77 | No | No | $2,549.72 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000072503 | XXXX | N/A | No | Yes | $0.00 | $0.00 | 6.864% | XXXX | XXXX | 6.875% | No | No | Self-Employed | US Citizen | $36,105.65 | 1 | $2,781.84 | $5,735.28 | $231.82 | $477.94 | 20.352% | 20.352% | 20.352% | XXXX | 788 | No | No | Borrower Prepared | [Borrower - | Primary Income - Sole Proprietor]; Balance Sheet - 2025 [Borrower - | Primary Income - Sole Proprietor]; Other - 2025 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 [Borrower - | Non-Primary Income - Farming]; Balance Sheet - 2025 [Borrower - | Non-Primary Income - Farming]; Other - 2025 [Borrower - | Non-Primary Income - Farming]; P&L Statement - 2025 [Borrower - | Non-Primary Income - Farming]; 1040 - Schedule F - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; Tax Return Extension - 2024 [Borrower]; Transcripts (1040) - No Results Returned - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Tax Return Extension - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXX | 6.650% | $3,400.00 | 2.9 | LP / LPA | Accept/Eligible | Yes | No | 6.875% | 0 | 1 | 0 | 2 | 1 | 12.00 | No | XXXX | XXXX | 84.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 98.69 | No | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000072130 | XXXX | N/A | No | Yes | $0.00 | 6.735% | XXXX | XXXX | 6.750% | No | No | Employed | Employed | US Citizen | US Citizen | $20,326.94 | 1 | $8,283.24 | $1,956.24 | $690.27 | $163.02 | 15.046% | 15.046% | 15.046% | XXXX | 790 | No | No | [Borrower - | Primary Income - Wages]; Leave and Earnings Statement (LES) - 2025 [Borrower - | Primary Income - Wages]; Leave and Earnings Statement (LES) - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; Leave and Earnings Statement (LES) - 2025 [Coborrower(s) - | Primary Income - Wages]; Leave and Earnings Statement (LES) - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | XXXX | 6.650% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.750% | 2 | 1 | 0 | 0 | 3 | 0 | 0.00 | No | XXXX | XXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 84.59 | Yes | No | $0.00 | $14,854.67 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000070880 | XXXX | Non QM | Yes | No | $26,719.30 | $12,840.95 | 8.284% | XXXX | XXXX | 8.125% | No | No | Self-Employed | US Citizen | $18,999.74 | 1 | $14,107.68 | $1,884.96 | $1,175.64 | $157.08 | 38.385% | 38.385% | 38.385% | XXXX | 706 | No | Yes | 12 | Business | 100.000% | 85.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 85.00% | Expense Ratio: 17.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 85.00% | Expense Ratio: 17.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 85.00% | Expense Ratio: 17.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Expense Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 85.00% | Expense Ratio: 17.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 85.00% | Expense Ratio: 17.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $26,719.30 | 6.650% | $10,000.00 | 1.5 | None | Yes | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | Yes | XXXX | XXXX | 16.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 11.8 | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000070762 | XXXX | N/A | No | No | $30,186.00 | $12,437.19 | 7.430% | XXXX | XXXX | 7.250% | No | No | Not Employed | Self-Employed | US Citizen | $27,337.15 | 1 | $8,153.64 | $6,058.08 | $679.47 | $504.84 | 34.917% | 34.917% | 34.917% | XXXX | 724 | No | Yes | 12 | Business | 100.000% | 50.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $30,186.00 | 6.650% | $0.00 | 1.0 | None | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | XXXX | 2.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 58.98 | No | No | $42,003.40 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000071271 | XXXX | Non QM | Yes | No | $5,190.00 | $10,137.49 | 7.054% | XXXX | XXXX | 6.875% | No | No | Self-Employed | US Citizen | $26,536.53 | 1 | $7,687.56 | $2,182.32 | $640.63 | $181.86 | 20.659% | 20.659% | 20.659% | XXXX | 746 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 80.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 80.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 80.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 80.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $5,190.00 | 6.660% | $0.00 | 1.4 | None | No | No | 6.875% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | XXXX | XXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 45.65 | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000071085 | XXXX | Safe Harbor QM (APOR) | Yes | Yes | $1,395.00 | $3,303.28 | 6.552% | XXXX | XXXX | 6.500% | No | No | Employed | Not Employed | US Citizen | US Citizen | $11,713.91 | 1 | $4,869.24 | $3,576.00 | $405.77 | $298.00 | 42.704% | 42.704% | 42.704% | XXXX | 793 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - Pension]; 1099-R - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | No | XXXX | $1,395.00 | 6.650% | $11,000.00 | 2.5 | LP / LPA | Accept/Eligible | No | No | 6.500% | 1 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXX | XXXX | 95.000% | No | 14 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 102.14 | Yes | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074125 | XXXX | Non QM | Yes | No | $9,752.91 | $9,367.47 | 7.331% | XXXX | XXXX | 7.250% | No | No | Employed | Permanent Resident Alien | $11,864.50 | 1 | $17,375.04 | $3,699.00 | $1,447.92 | $308.25 | 49.620% | 49.620% | 49.620% | XXXX | 775 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | Yes | XXXX | $9,752.91 | 6.700% | $7,500.00 | 1.5 | None | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXX | XXXX | 3.000% | No | 27 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 0 | Yes | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074369 | XXXX | Non QM | Yes | No | $37,285.00 | $41,328.94 | 7.993% | XXXX | XXXX | 7.875% | No | No | Self-Employed | Not Employed | US Citizen | Permanent Resident Alien | $81,297.03 | 2 | $133,693.80 | $27,105.96 | $11,141.15 | $2,258.83 | 32.375% | 32.375% | 32.375% | XXXX | 774 | No | Yes | 12 | Business | 100.000% | 99.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $37,285.00 | 6.810% | $0.00 | None | No | No | 7.875% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXX | XXXX | 70.000% | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 22.34 | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000072227 | XXXX | Non QM | Yes | No | $1,985.00 | $3,646.12 | 7.286% | XXXX | XXXX | 7.250% | No | No | Self-Employed | US Citizen | $51,582.75 | 1 | $25,788.96 | $14,934.96 | $2,149.08 | $1,244.58 | 15.198% | 15.198% | 15.198% | XXXX | 714 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 85.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 85.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 85.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 85.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 85.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 85.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 85.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 85.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 85.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2022 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $1,985.00 | 6.650% | $0.00 | 4.1 | None | No | No | 7.250% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | XXXX | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 81.64 | No | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000068535 | XXXX | N/A | No | Yes | $0.00 | 6.495% | XXXX | XXXX | 6.500% | No | No | Not Employed | Self-Employed | US Citizen | US Citizen | $5,434.97 | 1 | $4,244.64 | $1,437.60 | $353.72 | $119.80 | 49.203% | 49.203% | 49.203% | XXXX | 817 | No | No | [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Other - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022 [Coborrower(s) - | Non-Primary Income - Social Security]; Account Statements - 2025 [Coborrower(s) - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | XXXX | 6.730% | $0.00 | 1.7 | DU | ApproveEligible | No | No | 6.500% | 0 | 1 | 1 | 0 | 3 | 0 | 0.00 | No | XXXX | XXXX | 71.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 59.02 | No | No | $10,699.42 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074806 | XXXX | N/A | No | No | XXXX | XXXX | 6.750% | No | No | US Citizen | 1 | $1,301.28 | $1,722.36 | $108.44 | $143.53 | 0.000% | 0.000% | 0.000% | XXXX | 763 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXX | $0.00 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.38 | 0.73 | XXXX | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 26.05 | Yes | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000069657 | XXXX | N/A | No | No | XXXX | XXXX | 8.375% | No | No | US Citizen | 1 | $7,041.00 | $0.00 | $586.75 | $0.00 | 0.000% | 0.000% | 0.000% | XXXX | 742 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 1.0 | Yes | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.87 | 1.14 | 240 | XXXX | XXXX | No | Yes | Final | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 11.33 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074647 | XXXX | N/A | No | No | XXXX | XXXX | 7.125% | No | No | US Citizen | 1 | $2,777.88 | $1,758.36 | $231.49 | $146.53 | 0.000% | 0.000% | 0.000% | XXXX | 796 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXX | $0.00 | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.21 | 0.82 | XXXX | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 79.31 | Yes | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000073685 | XXXX | Non QM | Yes | No | $5,668.77 | $6,515.76 | 10.575% | XXXX | XXXX | 10.250% | No | No | Self-Employed | US Citizen | $3,381.02 | 1 | $3,939.24 | $1,748.16 | $328.27 | $145.68 | 49.960% | 49.960% | 49.960% | XXXX | 794 | No | Yes | 12 | Personal | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2021 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $5,668.77 | 6.700% | $0.00 | 1.0 | None | Yes | No | 10.250% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXX | XXXX | 17.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 15.52 | Yes | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074918 | XXXX | N/A | No | No | XXXX | XXXX | 7.375% | No | No | US Citizen | 1 | $15,765.12 | $5,852.16 | $1,313.76 | $487.68 | 0.000% | 0.000% | 0.000% | XXXX | 792 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXX | $0.00 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.85 | 1.17 | XXXX | XXXX | 40.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 19.23 | Yes | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000069661 | XXXX | N/A | No | No | XXXX | XXXX | 8.375% | No | No | US Citizen | 1 | $6,829.92 | $0.00 | $569.16 | $0.00 | 0.000% | 0.000% | 0.000% | XXXX | 742 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 1.0 | Yes | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.97 | 1.03 | 240 | XXXX | XXXX | No | Yes | Final | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 21.14 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000069659 | XXXX | N/A | No | No | XXXX | XXXX | 8.375% | No | No | US Citizen | 1 | $6,829.92 | $0.00 | $569.16 | $0.00 | 0.000% | 0.000% | 0.000% | XXXX | 742 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 1.0 | Yes | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.8 | 1.25 | 240 | XXXX | XXXX | No | Yes | Final | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 6.67 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000073522 | XXXX | Non QM | Yes | No | $2,300.00 | $5,195.48 | 8.381% | XXXX | XXXX | 8.334% | No | No | Self-Employed | Not Employed | Permanent Resident Alien | Permanent Resident Alien | $25,181.70 | 1 | $13,480.08 | $2,656.92 | $1,123.34 | $221.41 | 23.578% | 23.467% | 23.578% | XXXX | 781 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $2,300.00 | 6.610% | $0.00 | 1.0 | None | Yes | No | 8.334% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXX | XXXX | 14.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | Resident Alien Card | 10.38 | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000072547 | XXXX | Non QM | Yes | No | $1,719.00 | $3,799.05 | 7.398% | XXXX | XXXX | 7.375% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $114,013.76 | 1 | $10,778.40 | $11,069.88 | $898.20 | $922.49 | 10.180% | 10.180% | 10.180% | XXXX | 781 | No | Yes | 60 | Business | 100.000% | 100.000% | 100.000% | [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2016 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2016 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; CPA Letter - 2025 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; Other - 2025 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; Other - 2025 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; Other - 2025 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $1,719.00 | 6.650% | $0.00 | 2.2 | None | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXX | XXXX | 64.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 47.31 | Yes | No | $40,735.42 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074486 | XXXX | N/A | No | No | XXXX | XXXX | 7.250% | No | No | US Citizen | 1 | $2,788.56 | $671.04 | $232.38 | $55.92 | 0.000% | 0.000% | 0.000% | XXXX | 752 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXX | $0.00 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.13 | 0.89 | XXXX | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 66.76 | Yes | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000073530 | XXXX | Non QM | Yes | No | $9,297.50 | $10,991.07 | 8.739% | XXXX | XXXX | 8.375% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $5,019.39 | 1 | $1,575.84 | $1,980.96 | $131.32 | $165.08 | 36.005% | 36.005% | 36.005% | XXXX | 767 | No | Yes | 12 | Business | 58.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $9,297.50 | 6.620% | $0.00 | 1.0 | None | Yes | No | 8.375% | 0 | 1 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | XXXX | XXXX | 5.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Fair Isaac (VER. 2) | 9.86 | No | No | $0.00 | $3,330.66 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000072828 | XXXX | Non QM | Yes | No | $21,456.12 | $22,452.12 | 7.636% | XXXX | XXXX | 7.250% | No | No | Self-Employed | Self-Employed | Not Employed | 0 | Non-Permanent Resident Alien | Non-Permanent Resident Alien | Non-Permanent Resident Alien | XXXX | XXXX | XXXX | $7,030.14 | 1 | $17,375.04 | $1,650.96 | $1,447.92 | $137.58 | 47.702% | 47.702% | 47.702% | XXXX | 770 | 677 | 743 | 724 | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | No | Yes | 24 | Personal | 100.000% | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Yes | XXXX | $21,456.12 | 6.700% | $0.00 | 2.6 | None | No | No | 7.250% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | XXXX | XXXX | 23.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Employment Authorization | Employment Authorization | Employment Authorization | 22.68 | No | $6,312.81 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000072560 | XXXX | Non QM | Yes | No | $22,976.94 | $8,266.41 | 7.481% | XXXX | XXXX | 7.375% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $34,732.65 | 1 | $5,964.12 | $1,963.20 | $497.01 | $163.60 | 29.539% | 29.539% | 29.539% | XXXX | 711 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $22,976.94 | 6.650% | $0.00 | 1.0 | None | No | No | 7.375% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | XXXX | XXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 106.91 | No | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000070220 | XXXX | N/A | No | No | XXXX | XXXX | 7.375% | No | No | US Citizen | 1 | $5,339.40 | $2,545.44 | $444.95 | $212.12 | 0.000% | 0.000% | 0.000% | XXXX | 733 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 1.1 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | XXXX | XXXX | 20.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 9.94 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000070532 | XXXX | N/A | No | No | XXXX | XXXX | 7.500% | No | No | US Citizen | 1 | $2,453.04 | $1,104.00 | $204.42 | $92.00 | 0.000% | 0.000% | 0.000% | XXXX | 807 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 1.6 | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.25 | 0.8 | XXXX | XXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 197.39 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000071867 | XXXX | Non QM | Yes | No | $890.00 | $6,109.40 | 6.922% | XXXX | XXXX | 6.875% | No | No | Employed | Employed | US Citizen | US Citizen | $27,837.02 | 1 | $10,780.20 | $5,977.92 | $898.35 | $498.16 | 35.859% | 35.859% | 35.859% | XXXX | 782 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Borrower - | Primary Income - Wages]; Paystubs - 2022 [Coborrower(s) - | Primary Income - Wages]; Other - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXX | $890.00 | 6.660% | $0.00 | None | Yes | No | 6.875% | 2 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | XXXX | XXXX | No | 28 | 16 | Yes | Preliminary | Fee Simple | Individual | Trustee | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 43.29 | No | No | $0.00 | $14,168.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000067383 | XXXX | Safe Harbor QM (APOR) | Yes | No | $2,161.14 | $3,471.56 | 6.600% | XXXX | XXXX | 6.500% | No | No | Employed | Employed | US Citizen | US Citizen | $24,671.76 | 1 | $2,064.00 | $0.00 | $172.00 | $0.00 | 20.435% | 20.435% | 20.435% | XXXX | 790 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | XXXX | $2,161.14 | 6.880% | $0.00 | LP / LPA | Yes | Accept/Eligible | N/A | No | 6.500% | 1 | 1 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXX | XXXX | 56.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 39.9 | No | No | $0.00 | $8,954.82 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000070838 | XXXX | Non QM | Yes | No | $12,810.00 | $434.03 | 6.617% | XXXX | XXXX | 6.625% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $15,020.55 | 1 | $21,562.56 | $3,393.84 | $1,796.88 | $282.82 | 45.046% | 45.046% | 45.046% | XXXX | 798 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Yes | XXXX | $12,810.00 | 6.650% | $244,814.14 | 2.8 | None | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | XXXX | XXXX | 25.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | 31.28 | No | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000066696 | XXXX | N/A | No | No | XXXX | XXXX | 7.875% | No | No | US Citizen | 1 | $2,342.16 | $1,312.68 | $195.18 | $109.39 | 0.000% | 0.000% | 0.000% | XXXX | 666 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXX | $0.00 | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.49 | 0.67 | XXXX | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 98.33 | Yes | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000071921 | XXXX | Non QM | Yes | No | $11,105.60 | $3,395.16 | 7.811% | XXXX | XXXX | 7.750% | No | No | Self-Employed | US Citizen | $8,103.74 | 1 | $6,518.04 | $7,154.52 | $543.17 | $596.21 | 36.529% | 36.529% | 36.529% | XXXX | 729 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 80.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 80.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 80.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 80.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 80.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $11,105.60 | 6.660% | $0.00 | 3.3 | None | Yes | No | 7.750% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | XXXX | XXXX | No | Yes | Short Form | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | No | 9.25 | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074019 | XXXX | Non QM | Yes | No | $6,334.02 | $1,264.56 | 6.999% | XXXX | XXXX | 7.000% | No | No | Employed | Non-Permanent Resident Alien | XXXX | $7,181.84 | 1 | $10,863.96 | $1,193.04 | $905.33 | $99.42 | 53.028% | 53.028% | 53.028% | XXXX | 756 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXX | $6,334.02 | 6.700% | $24,354.92 | 3.1 | None | No | No | 7.000% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | XXXX | XXXX | 22.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | VISA | 9.4 | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074856 | XXXX | Exempt from ATR | Yes | Yes | No | $5,860.00 | $7,956.56 | 8.627% | XXXX | XXXX | 8.375% | No | No | Self-Employed | Non-Permanent Resident Alien | XXXX | $3,340.58 | 1 | $4,224.96 | $1,239.00 | $352.08 | $103.25 | 44.183% | 44.183% | 44.183% | XXXX | 750 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2023 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXX | $5,860.00 | 6.730% | $0.00 | 1.0 | None | Yes | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXX | XXXX | 26.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Employment Authorization | 9.35 | Yes | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000075106 | XXXX | Exempt from ATR | Non QM | Yes | Yes | No | $41,375.00 | $5,759.36 | 8.399% | XXXX | XXXX | 8.375% | No | No | Employed | Permanent Resident Alien | $17,126.01 | 1 | $21,269.88 | $23,513.64 | $1,772.49 | $1,959.47 | 45.975% | 45.975% | 45.975% | XXXX | 782 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | Yes | XXXX | $41,375.00 | 6.620% | $90,757.65 | 3.1 | None | No | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXX | XXXX | 4.000% | No | 37 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 4.15 | Yes | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074850 | XXXX | Exempt from ATR | Non QM | Yes | Yes | No | $6,363.00 | $9,419.85 | 8.680% | XXXX | XXXX | 8.375% | No | No | Employed | Non-Permanent Resident Alien | XXXX | $6,724.60 | 1 | $0.00 | $432.00 | $0.00 | $36.00 | 38.867% | 38.867% | 38.867% | XXXX | 772 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXX | $6,363.00 | 6.650% | $0.00 | None | N/A | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXX | XXXX | 29.000% | No | 12 | Yes | Shares/Stock/Ownership (Co-op) | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Employment Authorization | 8.06 | Yes | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074003 | XXXX | Non QM | Yes | No | $2,376.00 | $6,888.45 | 7.195% | XXXX | XXXX | 7.125% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $11,444.75 | 1 | $13,374.96 | $1,968.96 | $1,114.58 | $164.08 | 37.037% | 37.037% | 37.037% | XXXX | 749 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2025 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXX | $2,376.00 | 6.700% | $0.00 | 1.0 | None | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXX | XXXX | 10.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 6.03 | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000072252 | XXXX | Non QM | Yes | No | $8,452.50 | $9,166.44 | 6.838% | XXXX | XXXX | 6.625% | No | No | Employed | Permanent Resident Alien | $5,455.59 | 1 | $16,384.56 | $2,547.00 | $1,365.38 | $212.25 | 48.042% | 48.042% | 48.042% | XXXX | 797 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXX | $8,452.50 | 6.620% | $0.00 | None | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXX | XXXX | 34.000% | No | 26 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 7.61 | Yes | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000073179 | XXXX | N/A | No | No | XXXX | XXXX | 8.375% | No | No | Non-Permanent Resident Alien | 1 | $8,003.64 | $1,122.96 | $666.97 | $93.58 | 0.000% | 0.000% | 0.000% | XXXX | 736 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 1.8 | No | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.2 | 0.83 | XXXX | XXXX | 7.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 15.67 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000072267 | XXXX | N/A | No | No | XXXX | XXXX | 7.625% | No | No | US Citizen | 1 | $3,534.12 | $648.96 | $294.51 | $54.08 | 0.000% | 0.000% | 0.000% | XXXX | 801 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 1.0 | Yes | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.07 | 0.94 | XXXX | XXXX | 29.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 23.27 | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000072901 | XXXX | Non QM | Yes | No | $8,884.96 | $3,346.99 | 8.301% | XXXX | XXXX | 8.250% | No | No | Self-Employed | US Citizen | $159,430.26 | 1 | $3,892.44 | $3,255.96 | $324.37 | $271.33 | 2.989% | 2.989% | 2.989% | XXXX | 698 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $8,884.96 | 6.650% | $2,000.00 | 1.3 | None | Yes | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | XXXX | 1.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 50.96 | No | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000073015 | XXXX | N/A | No | No | $21,320.00 | $7,152.58 | 7.370% | XXXX | XXXX | 7.250% | No | No | Self-Employed | US Citizen | $9,913.41 | 2 | $12,204.84 | $1,551.24 | $1,017.07 | $129.27 | 48.641% | 48.641% | 48.641% | XXXX | 698 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 2yr P&L w/o Bank Statements | 0 | 0 | 0 | No | XXXX | $21,320.00 | 6.650% | $0.00 | None | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 27.00 | No | XXXX | XXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 38.63 | No | Yes | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000072982 | XXXX | Non QM | Yes | No | $17,120.50 | $18,599.74 | 8.050% | XXXX | XXXX | 8.338% | No | No | Self-Employed | US Citizen | $13,759.68 | 1 | $16,755.72 | $9,572.52 | $1,396.31 | $797.71 | 43.365% | 44.333% | 43.365% | XXXX | 719 | No | Yes | 48 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Borrower]; 1084 or income worksheet - Year Not Available [Borrower]; 1084 or income worksheet - Year Not Available [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $17,120.50 | 6.770% | $0.00 | 4.1 | None | No | No | 8.338% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | XXXX | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 22.5 | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074008 | XXXX | N/A | No | No | XXXX | XXXX | 6.500% | No | No | US Citizen | 2 | $14,625.00 | $1,205.04 | $1,218.75 | $100.42 | 0.000% | 0.000% | 0.000% | XXXX | 786 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.48 | 0.67 | XXXX | XXXX | 65.000% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 32.28 | Yes | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000073509 | XXXX | N/A | No | No | XXXX | XXXX | 7.250% | No | No | US Citizen | 1 | $9,092.52 | $1,638.96 | $757.71 | $136.58 | 0.000% | 0.000% | 0.000% | XXXX | 795 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXX | $0.00 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | XXXX | XXXX | 39.000% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 6.16 | Yes | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000075094 | XXXX | N/A | No | No | XXXX | XXXX | 6.875% | No | No | US Citizen | 1 | $4,022.40 | $1,554.60 | $335.20 | $129.55 | 0.000% | 0.000% | 0.000% | XXXX | 754 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXX | $0.00 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.26 | 0.8 | XXXX | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 109.62 | Yes | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000073263 | XXXX | N/A | No | No | XXXX | XXXX | 7.625% | No | No | US Citizen | 1 | $2,420.64 | $1,288.80 | $201.72 | $107.40 | 0.000% | 0.000% | 0.000% | XXXX | 808 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 2.0 | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.37 | 0.73 | XXXX | XXXX | 94.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 90.32 | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000073805 | XXXX | Non QM | Yes | No | $7,625.00 | $10,757.83 | 7.640% | XXXX | XXXX | 7.500% | No | No | Employed | Non-Permanent Resident Alien | XXXX | $9,637.08 | 1 | $10,749.96 | $1,178.04 | $895.83 | $98.17 | 43.311% | 43.311% | 43.311% | XXXX | 741 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXX | $7,625.00 | 6.700% | $0.00 | 1.0 | None | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXX | XXXX | 21.000% | No | 27 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Employment Authorization | 4.94 | Yes | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000072881 | XXXX | N/A | No | No | XXXX | XXXX | 7.500% | No | No | US Citizen | 4 | $2,263.56 | $1,947.72 | $188.63 | $162.31 | 0.000% | 0.000% | 0.000% | XXXX | 779 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.4 | 0.71 | XXXX | XXXX | 100.000% | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 245.38 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000073922 | XXXX | N/A | No | No | XXXX | XXXX | 8.250% | No | No | US Citizen | 1 | $3,875.04 | $836.16 | $322.92 | $69.68 | 0.000% | 0.000% | 0.000% | XXXX | 719 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 1.0 | Yes | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.15 | 0.87 | XXXX | XXXX | 2.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 12.49 | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000072921 | XXXX | N/A | No | No | $22,719.20 | $26,218.70 | 7.452% | XXXX | XXXX | 7.000% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $17,796.17 | 1 | $5,120.16 | $624.00 | $426.68 | $52.00 | 46.971% | 46.971% | 46.971% | XXXX | 764 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXX | $22,719.20 | 6.650% | $0.00 | 1.0 | None | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXX | XXXX | No | Yes | Preliminary | Fee Simple | Individual | Trustee | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 125.51 | No | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000071735 | XXXX | Non QM | Yes | No | $2,145.00 | $2,745.92 | 7.557% | XXXX | XXXX | 7.375% | No | No | Self-Employed | Permanent Resident Alien | $4,019.61 | 1 | $7,604.76 | $894.96 | $633.73 | $74.58 | 40.135% | 40.135% | 40.135% | XXXX | 698 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXX | $2,145.00 | 6.660% | $0.00 | 1.0 | None | N/A | No | 7.375% | 0 | 0 | 0 | 3 | 0 | 12.00 | No | XXXX | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | No | 82.53 | No | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000075065 | XXXX | N/A | No | No | XXXX | XXXX | 7.500% | No | No | US Citizen | 4 | $13,434.48 | $4,080.96 | $1,119.54 | $340.08 | 0.000% | 0.000% | 0.000% | XXXX | 737 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.18 | 0.85 | 240 | XXXX | XXXX | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 132.43 | Yes | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000072319 | XXXX | Non QM | Yes | No | $4,008.75 | $6,594.08 | 7.500% | XXXX | XXXX | 7.375% | No | No | Self-Employed | US Citizen | $8,817.61 | 2 | $5,386.80 | $2,799.00 | $448.90 | $233.25 | 31.651% | 31.651% | 31.651% | XXXX | 774 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $4,008.75 | 6.650% | $0.00 | None | N/A | No | 7.375% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | XXXX | XXXX | 39.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 42.74 | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074212 | XXXX | N/A | No | No | XXXX | XXXX | 6.875% | No | No | US Citizen | 3 | $7,479.24 | $2,838.00 | $623.27 | $236.50 | 0.000% | 0.000% | 0.000% | XXXX | 781 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.67 | 0.6 | XXXX | XXXX | 62.000% | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 3.06 | Yes | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000072968 | XXXX | N/A | No | No | XXXX | XXXX | 7.375% | No | No | US Citizen | 1 | $5,836.08 | $2,208.72 | $486.34 | $184.06 | 0.000% | 0.000% | 0.000% | XXXX | 811 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 4.7 | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.9 | 1.11 | XXXX | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 54.65 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000072826 | XXXX | Safe Harbor QM (APOR) | Yes | Yes | $1,711.37 | $2,676.24 | 7.278% | XXXX | XXXX | 7.250% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $15,970.77 | 1 | $11,237.52 | $3,920.64 | $936.46 | $326.72 | 36.286% | 36.286% | 36.286% | XXXX | 802 | No | No | [Borrower - | Primary Income - Pension]; Account Statements - 2025 [Borrower - | Primary Income - Pension]; Award Letter / Continuance Letter - 2024 [Coborrower(s) - | Primary Income - Pension]; Account Statements - 2025 [Coborrower(s) - | Primary Income - Pension]; Award Letter / Continuance Letter - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | No | XXXX | $1,711.37 | 6.650% | $1,000.00 | 999.0 | DU | ApproveEligible | No | No | 7.250% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | XXXX | XXXX | 42.000% | No | Yes | Preliminary | Fee Simple | Individual | Trustee | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 20.34 | No | No | $4,883.15 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000072293 | XXXX | N/A | No | No | XXXX | XXXX | 7.750% | No | No | US Citizen | 2 | $6,112.20 | $1,694.04 | $509.35 | $141.17 | 0.000% | 0.000% | 0.000% | XXXX | 722 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXX | $0.00 | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.02 | 0.98 | XXXX | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 3 | Yes | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000071935 | XXXX | Non QM | Yes | No | $30,470.00 | $9,103.57 | 7.423% | XXXX | XXXX | 7.375% | No | No | Self-Employed | US Citizen | $16,007.66 | 1 | $21,000.00 | $928.08 | $1,750.00 | $77.34 | 48.500% | 48.500% | 48.500% | XXXX | 788 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $30,470.00 | 6.660% | $0.00 | 2.4 | None | Yes | No | 7.375% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | XXXX | XXXX | 11.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 28.58 | Yes | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000066960 | XXXX | N/A | No | No | XXXX | XXXX | 8.125% | No | No | US Citizen | 1 | $2,226.24 | $663.00 | $185.52 | $55.25 | 0.000% | 0.000% | 0.000% | XXXX | 802 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 1.1 | Yes | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.97 | 1.03 | XXXX | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 39.81 | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000075037 | XXXX | Non QM | Yes | No | $1,745.00 | $3,512.19 | 7.364% | XXXX | XXXX | 7.250% | No | No | Self-Employed | US Citizen | $6,315.24 | 1 | $2,443.44 | $789.48 | $203.62 | $65.79 | 41.833% | 41.833% | 41.833% | XXXX | 660 | No | Yes | 24 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $1,745.00 | 6.620% | $0.00 | 1.0 | None | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | XXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 13.33 | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000071707 | XXXX | N/A | No | No | XXXX | XXXX | 6.875% | No | No | US Citizen | 1 | $10,314.72 | $2,808.96 | $859.56 | $234.08 | 0.000% | 0.000% | 0.000% | XXXX | 733 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 1.0 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.42 | 0.7 | XXXX | XXXX | 83.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 28.39 | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000069318 | XXXX | N/A | No | No | XXXX | XXXX | 7.375% | No | No | US Citizen | 1 | $5,175.00 | $1,224.96 | $431.25 | $102.08 | 0.000% | 0.000% | 0.000% | XXXX | 796 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXX | $0.00 | 1.0 | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.04 | 0.97 | XXXX | XXXX | 48.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 12.6 | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074186 | XXXX | Non QM | Yes | No | $51,555.00 | $12,893.84 | 7.958% | XXXX | XXXX | 7.875% | No | No | Self-Employed | US Citizen | $32,342.00 | 1 | $14,685.36 | $4,466.88 | $1,223.78 | $372.24 | 28.846% | 28.846% | 28.846% | XXXX | 710 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2018 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $51,555.00 | 6.700% | $0.00 | 3.2 | None | No | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | XXXX | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 67.01 | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074214 | XXXX | Non QM | Yes | No | $32,060.00 | $34,238.30 | 7.482% | XXXX | XXXX | 7.250% | No | No | Self-Employed | US Citizen | $22,471.91 | 1 | $48,835.80 | $3,617.04 | $4,069.65 | $301.42 | 40.002% | 40.002% | 40.002% | XXXX | 689 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; Audited P&L - 2025 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXX | $32,060.00 | 6.810% | $0.00 | 3.3 | None | No | No | 7.250% | 0 | 0 | 0 | 3 | 0 | 12.00 | No | XXXX | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 97.63 | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000072954 | XXXX | N/A | No | Yes | $0.00 | 7.113% | XXXX | XXXX | 7.125% | No | No | Self-Employed | US Citizen | $5,857.24 | 1 | $4,109.64 | $927.96 | $342.47 | $77.33 | 44.692% | 44.692% | 44.692% | XXXX | 780 | No | No | [Borrower - | Primary Income - Sole Proprietor]; Business License - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXX | 6.620% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 7.125% | 0 | 2 | 0 | 2 | 0 | No | XXXX | XXXX | 52.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 42.57 | No | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074246 | XXXX | N/A | No | No | XXXX | XXXX | 6.500% | No | No | US Citizen | 1 | $13,245.12 | $1,610.04 | $1,103.76 | $134.17 | 0.000% | 0.000% | 0.000% | XXXX | 783 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXX | $0.00 | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.25 | 0.8 | XXXX | XXXX | 10.000% | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 9.38 | Yes | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074434 | XXXX | N/A | No | No | XXXX | XXXX | 8.375% | No | No | US Citizen | 2 | $12,998.04 | $2,166.00 | $1,083.17 | $180.50 | 0.000% | 0.000% | 0.000% | XXXX | 689 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | N/A | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.38 | 0.72 | XXXX | XXXX | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 77.54 | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000070546 | XXXX | Non QM | Yes | No | $0.00 | 7.612% | XXXX | XXXX | 7.625% | No | No | Self-Employed | US Citizen | $33,217.03 | 1 | $3,096.60 | $1,885.08 | $258.05 | $157.09 | 10.268% | 10.268% | 10.268% | XXXX | 797 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2020 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2020 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | 6.650% | $0.00 | 1.0 | None | No | No | 7.625% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXX | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 23.53 | Yes | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074875 | XXXX | N/A | No | No | XXXX | XXXX | 6.750% | No | No | US Citizen | 3 | $10,405.08 | $2,551.08 | $867.09 | $212.59 | 0.000% | 0.000% | 0.000% | XXXX | 790 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXX | $0.00 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.36 | 0.74 | XXXX | XXXX | 37.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 6.51 | Yes | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074177 | XXXX | N/A | No | Yes | $0.00 | 7.244% | XXXX | XXXX | 7.250% | No | No | Employed | Employed | US Citizen | US Citizen | $37,203.32 | 3 | $9,986.88 | $6,110.04 | $832.24 | $509.17 | 31.897% | 31.897% | 31.897% | XXXX | 774 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2021 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2021 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXX | 6.810% | $0.00 | DU | ApproveEligible | N/A | No | 7.250% | 1 | 2 | 0 | 0 | 4 | 0 | 0.00 | No | XXXX | XXXX | 75.000% | No | 26 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 66.72 | No | No | $0.00 | $25,461.62 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000072918 | XXXX | Non QM | Yes | No | $2,376.00 | $4,984.68 | 7.988% | XXXX | XXXX | 8.334% | No | No | Self-Employed | US Citizen | $16,961.86 | 1 | $13,708.32 | $2,016.96 | $1,142.36 | $168.08 | 39.980% | 42.140% | 39.980% | XXXX | 720 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; Audited P&L - 2025 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2025 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | Yes | XXXX | $2,376.00 | 6.780% | $0.00 | 2.5 | None | No | No | 8.334% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXX | XXXX | No | Yes | Commitment | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 8.62 | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074546 | XXXX | Non QM | Yes | No | $2,247.50 | $4,618.56 | 7.561% | XXXX | XXXX | 7.500% | No | No | Self-Employed | US Citizen | $6,294.44 | 1 | $13,675.08 | $2,785.92 | $1,139.59 | $232.16 | 51.590% | 51.590% | 51.590% | XXXX | 816 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - P&L Statement Only]; Business License - 2020 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXX | $2,247.50 | 6.810% | $0.00 | 1.7 | None | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXX | XXXX | 47.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 23.59 | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000072543 | XXXX | N/A | No | No | XXXX | XXXX | 6.375% | No | No | Permanent Resident Alien | 2 | $8,259.00 | $1,844.04 | $688.25 | $153.67 | 0.000% | 0.000% | 0.000% | XXXX | 718 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXX | $0.00 | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.73 | 0.58 | XXXX | XXXX | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 3.13 | Yes | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000070462 | XXXX | N/A | No | No | $27,909.38 | $15,196.86 | 7.442% | XXXX | XXXX | 7.125% | No | No | Not Employed | Self-Employed | US Citizen | $135,856.04 | 1 | $597.12 | $549.72 | $49.76 | $45.81 | 17.143% | 17.143% | 17.143% | XXXX | 768 | No | Yes | 12 | Business | 100.000% | 50.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 85.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 85.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 85.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 85.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 85.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Yes | XXXX | $27,909.38 | 6.650% | $0.00 | 1.0 | None | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | XXXX | 58.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 47.63 | No | No | $163,965.20 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074412 | XXXX | Non QM | Yes | No | $16,065.00 | $19,983.75 | 8.743% | XXXX | XXXX | 9.334% | No | No | Employed | Permanent Resident Alien | $17,661.86 | 1 | $15,000.00 | $1,904.04 | $1,250.00 | $158.67 | 34.425% | 34.048% | 34.425% | XXXX | 747 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXX | $16,065.00 | 6.810% | $1,500.00 | 2.4 | None | N/A | No | 9.334% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXX | XXXX | 3.000% | No | 27 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 0.13 | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074408 | XXXX | Non QM | Yes | No | $1,660.00 | $2,223.55 | 8.427% | XXXX | XXXX | 8.375% | No | No | Self-Employed | Permanent Resident Alien | $95,588.27 | 1 | $7,588.68 | $5,243.04 | $632.39 | $436.92 | 5.955% | 5.955% | 6.616% | XXXX | 712 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 1 | 0 | 0 | 0 | No | XXXX | $1,660.00 | 6.810% | $0.00 | 1.4 | None | Yes | No | 8.375% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 240 | XXXX | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | No | 99.91 | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000070630 | XXXX | N/A | No | No | $0.00 | 6.871% | XXXX | XXXX | 6.875% | No | No | Employed | Non-Permanent Resident Alien | $23,556.85 | 1 | $2,787.48 | $291.96 | $232.29 | $24.33 | 31.573% | 31.573% | 31.573% | XXXX | 799 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 [Borrower - | Primary Income - Wages]; Restricted Stock Agreement - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXX | 6.650% | $0.00 | 1.0 | DU | ApproveEligible | N/A | No | 6.875% | 1 | 1 | 0 | 3 | 0 | 0.00 | No | XXXX | XXXX | 66.000% | No | 27 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | VISA | 50.11 | No | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074835 | XXXX | N/A | No | No | $2,325.00 | $3,530.17 | 8.675% | XXXX | XXXX | 8.625% | No | No | Not Employed | Not Employed | Self-Employed | Not Employed | 7.43 | 0 | US Citizen | US Citizen | US Citizen | $119,666.58 | 1 | $13,793.04 | $3,270.00 | $1,149.42 | $272.50 | 30.472% | 30.472% | 30.472% | XXXX | 775 | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | No | Yes | 12 | Business | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Yes | XXXX | $2,325.00 | 6.810% | $0.00 | 1.8 | None | Yes | No | 8.625% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | XXXX | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 329.14 | No | No | $172,111.70 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000073691 | XXXX | Non QM | Yes | No | $15,820.00 | $17,161.69 | 7.374% | XXXX | XXXX | 7.250% | No | No | Self-Employed | Permanent Resident Alien | $46,302.65 | 1 | $24,400.80 | $1,755.00 | $2,033.40 | $146.25 | 20.340% | 20.340% | 20.340% | XXXX | 718 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; Business License - 2025 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 |
Alternative Documentation (A) | 2yr P&L w/o Bank Statements | 0 | 0 | 0 | No | XXXX | $15,820.00 | 6.700% | $0.00 | None | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 24.00 | No | XXXX | XXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | No | 15.52 | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000071452 | XXXX | N/A | No | Yes | $0.00 | 6.748% | XXXX | XXXX | 6.750% | No | No | Employed | Not Employed | US Citizen | US Citizen | $62,706.15 | 1 | $3,091.80 | $929.76 | $257.65 | $77.48 | 15.456% | 15.456% | 15.456% | XXXX | 809 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | XXXX | 6.660% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.750% | 0 | 0 | 1 | 0 | 3 | 0 | 0.00 | No | XXXX | XXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 516.57 | No | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000072336 | XXXX | N/A | No | No | XXXX | XXXX | 7.375% | No | No | US Citizen | 1 | $5,116.68 | $795.00 | $426.39 | $66.25 | 0.000% | 0.000% | 0.000% | XXXX | 753 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 2.6 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.18 | 0.85 | XXXX | XXXX | No | Yes | Commitment | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 120.34 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074609 | XXXX | Non QM | Yes | No | $5,379.20 | $8,440.53 | 7.656% | XXXX | XXXX | 7.375% | No | No | Employed | Permanent Resident Alien | $4,777.84 | 1 | $4,862.76 | $1,665.96 | $405.23 | $138.83 | 47.462% | 47.462% | 47.462% | XXXX | 810 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXX | $5,379.20 | 6.810% | $1,000.00 | 1.0 | None | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXX | XXXX | 12.000% | No | 26 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 6.8 | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000072854 | XXXX | Safe Harbor QM (APOR) | Yes | Yes | $3,990.01 | $5,163.47 | 7.076% | XXXX | XXXX | 6.875% | No | No | Self-Employed | Non-Employment Income | US Citizen | US Citizen | $11,155.83 | 1 | $2,781.48 | $1,269.00 | $231.79 | $105.75 | 26.515% | 26.515% | 26.515% | XXXX | 792 | No | No | [Borrower - | Primary Income - Sole Proprietor]; Business License - 2025 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 [Borrower - | Non-Primary Income - Social Security]; Account Statements - 2025 [Borrower - | Non-Primary Income - Social Security]; 1099-SSA - 2024 [Coborrower(s) - | Primary Income - Social Security]; 1099-SSA - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; Tax Return Extension - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; Tax Return Extension - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | XXXX | $3,990.01 | 6.650% | $8,000.00 | LP / LPA | Accept/Eligible | N/A | No | 6.875% | 0 | 0 | 1 | 0 | 3 | 0 | No | Not Stated | XXXX | XXXX | 59.000% | No | Yes | Commitment | Fee Simple | Individual | Trustee | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 19.08 | No | No | $2,508.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074149 | XXXX | Non QM | Yes | No | $6,373.68 | $6,690.51 | 7.755% | XXXX | XXXX | 7.625% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $8,658.87 | 1 | $7,381.44 | $1,434.96 | $615.12 | $119.58 | 0.000% | 0.000% | 0.000% | XXXX | 801 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | No | XXXX | $6,373.68 | 6.700% | $0.00 | 1.0 | None | No | No | 7.625% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | XXXX | XXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 302.12 | Yes | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074663 | XXXX | N/A | No | No | XXXX | XXXX | 7.750% | No | No | US Citizen | 1 | $14,732.28 | $1,731.00 | $1,227.69 | $144.25 | 0.000% | 0.000% | 0.000% | XXXX | 793 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 1.8 | Yes | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.12 | 0.89 | XXXX | XXXX | 29.000% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 12.31 | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000072516 | XXXX | N/A | No | No | XXXX | XXXX | 8.250% | No | No | US Citizen | 1 | $7,341.36 | $1,548.12 | $611.78 | $129.01 | 0.000% | 0.000% | 0.000% | XXXX | 702 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 1.0 | Yes | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.81 | 1.24 | 240 | XXXX | XXXX | 55.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 32.08 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000070356 | XXXX | N/A | No | Yes | $0.00 | 7.371% | XXXX | XXXX | 7.375% | No | No | Employed | US Citizen | $7,614.33 | 1 | $1,453.08 | $540.00 | $121.09 | $45.00 | 44.623% | 44.623% | 44.623% | XXXX | 778 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | XXXX | 6.650% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 7.375% | 1 | 1 | 0 | 3 | 0 | 0.00 | No | XXXX | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 87.94 | No | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074645 | XXXX | N/A | No | No | XXXX | XXXX | 7.500% | No | No | 0 | US Citizen | US Citizen | 1 | $3,288.24 | $1,086.96 | $274.02 | $90.58 | 0.000% | 0.000% | 0.000% | XXXX | 725 | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | Yes | XXXX | $0.00 | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.04 | 0.96 | XXXX | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 5.48 | Yes | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074002 | XXXX | N/A | No | No | XXXX | XXXX | 7.875% | No | No | US Citizen | US Citizen | 1 | $11,878.44 | $3,980.88 | $989.87 | $331.74 | 0.000% | 0.000% | 0.000% | XXXX | 794 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 1.0 | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.77 | 1.3 | 240 | XXXX | XXXX | 80.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 171.88 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000071395 | XXXX | N/A | No | No | $8,610.49 | $10,745.02 | 7.569% | XXXX | XXXX | 7.125% | No | No | Employed | US Citizen | $67,981.21 | 1 | $9,786.96 | $1,364.04 | $815.58 | $113.67 | 15.046% | 15.046% | 15.046% | XXXX | 773 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXX | $8,610.49 | 6.030% | $5,000.00 | 1.0 | None | Yes | No | 7.125% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | XXXX | XXXX | 44.000% | No | 27 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 17.55 | No | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000070106 | XXXX | Non QM | Yes | No | $950.00 | $1,630.86 | 7.282% | XXXX | XXXX | 7.250% | No | No | Self-Employed | Employed | Permanent Resident Alien | Permanent Resident Alien | $3,777.90 | 1 | $6,267.12 | $2,279.04 | $522.26 | $189.92 | 46.354% | 46.354% | 46.354% | XXXX | 752 | No | Yes | 12 | Business | 53.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2020 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2020 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $950.00 | 6.620% | $0.00 | 2.6 | None | No | No | 7.250% | 0 | 1 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | XXXX | XXXX | 37.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | Resident Alien Card | 9.64 | No | $0.00 | $3,286.40 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000072836 | XXXX | N/A | No | No | XXXX | XXXX | 8.375% | No | No | US Citizen | 1 | $11,134.20 | $11,587.92 | $927.85 | $965.66 | 0.000% | 0.000% | 0.000% | XXXX | 801 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | N/A | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.62 | 1.62 | XXXX | XXXX | No | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 36.83 | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000071143 | XXXX | N/A | No | Yes | $0.00 | 7.332% | XXXX | XXXX | 7.375% | No | No | Employed | Employed | US Citizen | US Citizen | $12,346.09 | 1 | $7,441.44 | $1,797.24 | $620.12 | $149.77 | 45.195% | 45.195% | 45.195% | XXXX | 691 | No | No | [Borrower - | Primary Income - Wages]; Leave and Earnings Statement (LES) - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Non-Primary Income - Pension]; Account Statements - 2025 [Borrower - | Non-Primary Income - Pension]; Paystubs - 2025 [Borrower - | Non-Primary Income - Pension]; 1099-R - 2024 [Borrower - | Non-Primary Income - Pension]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; Employer Letter - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | No | XXXX | 6.650% | $0.00 | 1.0 | DU | ApproveEligible | No | No | 7.375% | 2 | 2 | 1 | 0 | 3 | 1 | 0.00 | No | XXXX | XXXX | 100.000% | No | 26 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 129.08 | No | No | $0.00 | $8,335.07 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000069278 | XXXX | N/A | No | No | XXXX | XXXX | 7.625% | No | No | US Citizen | 1 | $540.36 | $537.00 | $45.03 | $44.75 | 0.000% | 0.000% | 0.000% | XXXX | 764 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXX | $0.00 | 1.0 | Yes | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | XXXX | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 73.34 | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000072251 | XXXX | Non QM | Yes | No | $7,450.00 | $2,559.49 | 7.607% | XXXX | XXXX | 7.500% | No | No | Self-Employed | US Citizen | $3,326.11 | 1 | $1,800.36 | $4,919.04 | $150.03 | $409.92 | 42.930% | 42.930% | 42.930% | XXXX | 707 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $7,450.00 | 6.650% | $0.00 | 1.8 | None | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | XXXX | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | No | 7.78 | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074049 | XXXX | N/A | No | No | XXXX | XXXX | 6.875% | No | No | US Citizen | 1 | $6,196.56 | $713.04 | $516.38 | $59.42 | 0.000% | 0.000% | 0.000% | XXXX | 818 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 1.0 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.08 | 0.92 | XXXX | XXXX | 58.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 27.11 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000068106 | XXXX | Non QM | Yes | No | $32,307.96 | ($51.28) | 7.223% | XXXX | XXXX | 7.250% | No | No | Self-Employed | US Citizen | $68,941.35 | 1 | $23,375.04 | $462.00 | $1,947.92 | $38.50 | 27.118% | 27.118% | 27.118% | XXXX | 783 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $32,307.96 | 6.620% | $22,000.00 | 1.5 | None | No | No | 7.250% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | XXXX | XXXX | 42.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | 54.17 | Yes | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074506 | XXXX | Safe Harbor QM (APOR) | Yes | Yes | $1,588.00 | $506.01 | 7.254% | XXXX | XXXX | 7.250% | No | No | Employed | US Citizen | $41,586.34 | 1 | $7,878.48 | $1,871.04 | $656.54 | $155.92 | 16.658% | 16.658% | 16.658% | XXXX | 772 | No | No | [Borrower - | Primary Income - K-1 (< 25%)]; Other - 2025 [Borrower - | Primary Income - K-1 (< 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - K-1 (< 25%)]; Tax Return Extension (for Business) - 2024 [Borrower - | Primary Income - K-1 (< 25%)]; 1065 - 2023 [Borrower - | Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - K-1 (< 25%)]; K-1 - 2023 [Borrower - | Non-Primary Income - K-1 (< 25%)]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - K-1 (< 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - K-1 (< 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - K-1 (< 25%)]; 1065 - 2023 [Borrower - | Non-Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2023 [Borrower - | Non-Primary Income - K-1 (< 25%)]; K-1 - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; Tax Return Extension - 2024 [Borrower]; Transcripts (1040) - No Results Returned - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXX | $1,588.00 | 6.810% | $0.00 | 2.4 | DU | ApproveEligible | Yes | No | 7.250% | 0 | 1 | 0 | 2 | 1 | No | Not Stated | XXXX | XXXX | 82.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 84.3 | No | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000070545 | XXXX | N/A | No | Yes | $0.00 | 6.746% | XXXX | XXXX | 6.750% | No | No | Employed | Permanent Resident Alien | $9,342.36 | 1 | $3,409.44 | $2,067.96 | $284.12 | $172.33 | 38.571% | 38.571% | 38.571% | XXXX | 786 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXX | 6.880% | $0.00 | 1.4 | DU | ApproveEligible | N/A | No | 6.750% | 1 | 0 | 0 | 3 | 0 | 0.00 | No | XXXX | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 49.94 | No | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000067123 | XXXX | N/A | No | No | $12,791.27 | $6,333.09 | 9.476% | XXXX | XXXX | 9.375% | No | No | Self-Employed | US Citizen | $36,159.88 | 1 | $11,925.00 | $1,605.96 | $993.75 | $133.83 | 27.390% | 27.390% | 27.390% | XXXX | 697 | No | Yes | 12 | Business | 100.000% | 90.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $12,791.27 | 6.700% | $0.00 | 1.0 | None | N/A | No | 9.375% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | XXXX | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 13.79 | Yes | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000072419 | XXXX | Non QM | Yes | No | $19,331.15 | $4,337.61 | 7.845% | XXXX | XXXX | 8.334% | No | No | Self-Employed | Permanent Resident Alien | $20,649.59 | 1 | $16,883.04 | $1,409.16 | $1,406.92 | $117.43 | 39.811% | 40.727% | 39.811% | XXXX | 784 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2025 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXX | $19,331.15 | 6.780% | $0.00 | 2.6 | None | N/A | No | 8.334% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXX | XXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | No | 9.55 | No | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000073933 | XXXX | N/A | No | No | XXXX | XXXX | 6.750% | No | No | 0 | US Citizen | US Citizen | 1 | $3,297.72 | $497.04 | $274.81 | $41.42 | 0.000% | 0.000% | 0.000% | XXXX | 719 | Level 1-Not Stated/Not Verified | No | No | DSCR | 1 | 0 | 0 | 0 | Yes | XXXX | $0.00 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.2 | 0.84 | 240 | XXXX | XXXX | No | Yes | Commitment | Leasehold | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 274.88 | Yes | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000072791 | XXXX | Non QM | Yes | No | $8,695.00 | $2,412.25 | 8.561% | XXXX | XXXX | 8.500% | No | No | Self-Employed | US Citizen | $6,748.39 | 1 | $3,091.80 | $2,184.96 | $257.65 | $182.08 | 46.716% | 46.716% | 46.716% | XXXX | 690 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $8,695.00 | 6.650% | $0.00 | 1.0 | None | N/A | No | 8.500% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | XXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 74.01 | Yes | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000065695 | XXXX | N/A | No | No | XXXX | XXXX | 9.250% | No | No | US Citizen | 1 | $4,246.92 | $2,345.04 | $353.91 | $195.42 | 0.000% | 0.000% | 0.000% | XXXX | 772 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 2.2 | Yes | No | 9.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.79 | 1.27 | XXXX | XXXX | No | Yes | Short Form | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 33.26 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000073011 | XXXX | N/A | No | No | $9,370.00 | $13,664.01 | 7.233% | XXXX | XXXX | 7.000% | No | No | Employed | US Citizen | $10,779.55 | 1 | $9,624.96 | $1,521.96 | $802.08 | $126.83 | 28.136% | 28.136% | 28.136% | XXXX | 788 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXX | $9,370.00 | 6.650% | $0.00 | 1.0 | None | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXX | XXXX | 2.000% | No | 27 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 1.44 | No | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000072554 | XXXX | N/A | No | No | $39,975.30 | $10,949.13 | 7.174% | XXXX | XXXX | 7.000% | No | No | Self-Employed | US Citizen | $37,516.66 | 1 | $7,725.24 | $1,015.56 | $643.77 | $84.63 | 39.392% | 39.392% | 39.392% | XXXX | 701 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 2yr P&L w/o Bank Statements | 0 | 0 | 0 | No | XXXX | $39,975.30 | 6.650% | $0.00 | 1.0 | None | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 24.00 | No | XXXX | XXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 36.91 | No | Yes | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074648 | XXXX | Non QM | Yes | No | $9,675.00 | $12,910.72 | 7.513% | XXXX | XXXX | 7.375% | No | No | Employed | US Citizen | $11,757.21 | 1 | $14,499.96 | $345.00 | $1,208.33 | $28.75 | 48.069% | 48.069% | 48.069% | XXXX | 791 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXX | $9,675.00 | 6.810% | $0.00 | None | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXX | XXXX | 1.000% | No | 27 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 20.11 | No | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000070324 | XXXX | N/A | No | Yes | $0.00 | $0.00 | 7.067% | XXXX | XXXX | 7.125% | No | No | Employed | US Citizen | $16,501.49 | 4 | $5,646.60 | $1,986.96 | $470.55 | $165.58 | 23.338% | 23.338% | 23.338% | XXXX | 788 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | XXXX | 6.620% | $5,081.61 | DU | ApproveEligible | N/A | No | 7.125% | 1 | 0 | 0 | 3 | 0 | 0.00 | No | XXXX | XXXX | 53.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 46.28 | No | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000073670 | XXXX | N/A | No | No | XXXX | XXXX | 9.375% | No | No | US Citizen | 1 | $2,495.40 | $1,160.16 | $207.95 | $96.68 | 0.000% | 0.000% | 0.000% | XXXX | 726 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 1.0 | Yes | No | 9.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.95 | 1.05 | XXXX | XXXX | 43.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 8.49 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000071546 | XXXX | N/A | No | No | XXXX | XXXX | 7.375% | No | No | US Citizen | US Citizen | 1 | $18,425.04 | $4,270.20 | $1,535.42 | $355.85 | 0.000% | 0.000% | 0.000% | XXXX | 671 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 1.8 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.07 | 0.94 | XXXX | XXXX | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 76.84 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000072638 | XXXX | N/A | No | No | XXXX | XXXX | 7.500% | No | No | US Citizen | 2 | $11,484.60 | $3,173.52 | $957.05 | $264.46 | 0.000% | 0.000% | 0.000% | XXXX | 795 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.02 | 0.98 | XXXX | XXXX | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 106.36 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000072628 | XXXX | N/A | No | No | XXXX | XXXX | 7.500% | No | No | US Citizen | 2 | $12,774.12 | $3,173.52 | $1,064.51 | $264.46 | 0.000% | 0.000% | 0.000% | XXXX | 795 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.12 | 0.89 | XXXX | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 112.41 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000071856 | XXXX | Non QM | Yes | No | $6,525.00 | $8,837.63 | 7.849% | XXXX | XXXX | 7.250% | No | No | Employed | Employed | Permanent Resident Alien | Permanent Resident Alien | $5,936.97 | 1 | $2,405.76 | $0.00 | $200.48 | $0.00 | 34.034% | 34.034% | 34.034% | XXXX | 731 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXX | $6,525.00 | 6.810% | $0.00 | 1.0 | None | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | XXXX | XXXX | 36.000% | No | 24 | 25 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | Resident Alien Card | 13.49 | No | $0.00 | $4,000.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000072522 | XXXX | Exempt from ATR | Non QM | Yes | Yes | No | $15,510.50 | $17,191.40 | 7.520% | XXXX | XXXX | 7.250% | No | No | Self-Employed | US Citizen | $13,985.63 | 3 | $7,743.96 | $3,333.36 | $645.33 | $277.78 | 38.568% | 38.568% | 38.568% | XXXX | 708 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXX | $15,510.50 | 6.650% | $0.00 | None | N/A | No | 7.250% | 0 | 0 | 0 | 3 | 0 | 12.00 | No | XXXX | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 94.05 | No | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000072766 | XXXX | N/A | No | No | $50,800.00 | $18,055.44 | 7.909% | XXXX | XXXX | 7.750% | No | No | Self-Employed | US Citizen | $21,901.98 | 1 | $18,125.04 | $3,375.84 | $1,510.42 | $281.32 | 48.201% | 48.201% | 48.201% | XXXX | 756 | No | Yes | 12 | Business | 100.000% | 80.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 80.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 80.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 80.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 80.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $50,800.00 | 6.650% | $0.00 | 1.0 | None | Yes | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | XXXX | 39.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 23.71 | Yes | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000073863 | XXXX | N/A | No | No | XXXX | XXXX | 7.000% | No | No | US Citizen | 1 | $2,361.72 | $686.04 | $196.81 | $57.17 | 0.000% | 0.000% | 0.000% | XXXX | 766 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 1.7 | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.39 | 0.72 | XXXX | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 47.56 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074209 | XXXX | Exempt from ATR | Non QM | Yes | No | No | $44,715.00 | $19,125.03 | 7.632% | XXXX | XXXX | 7.375% | No | No | Self-Employed | US Citizen | $60,080.95 | 1 | $10,571.64 | $3,875.04 | $880.97 | $322.92 | 17.521% | 17.521% | 17.521% | XXXX | 800 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $44,715.00 | 6.810% | $0.00 | 3.0 | None | N/A | No | 7.375% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXX | XXXX | 9.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 7.98 | No | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000073622 | XXXX | Non QM | Yes | No | $5,650.00 | $7,515.79 | 6.957% | XXXX | XXXX | 6.875% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $29,273.40 | 1 | $11,932.68 | $3,911.76 | $994.39 | $325.98 | 29.956% | 29.956% | 29.956% | XXXX | 815 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2020 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $5,650.00 | 6.700% | $0.00 | 2.5 | None | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | XXXX | XXXX | 100.000% | No | Yes | Short Form | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 573.1 | Yes | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074391 | XXXX | N/A | No | No | XXXX | XXXX | 7.375% | No | No | US Citizen | 1 | $5,729.04 | $2,214.00 | $477.42 | $184.50 | 0.000% | 0.000% | 0.000% | XXXX | 778 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXX | $0.00 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.89 | 1.12 | XXXX | XXXX | 26.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 33.4 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000072609 | XXXX | Non QM | Yes | No | $12,944.93 | $13,666.32 | 7.218% | XXXX | XXXX | 6.875% | No | No | Self-Employed | US Citizen | $5,943.67 | 1 | $6,461.40 | $2,186.04 | $538.45 | $182.17 | 43.394% | 43.394% | 43.394% | XXXX | 689 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $12,944.93 | 6.650% | $0.00 | 1.1 | None | No | No | 6.875% | 0 | 0 | 0 | 4 | 0 | 12 | 0.00 | No | XXXX | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 7.46 | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000071572 | XXXX | Non QM | Yes | No | $8,794.89 | $4,111.10 | 7.192% | XXXX | XXXX | 7.125% | No | No | Self-Employed | US Citizen | $61,748.47 | 1 | $8,874.96 | $1,370.04 | $739.58 | $114.17 | 7.765% | 7.765% | 7.765% | XXXX | 780 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $8,794.89 | 6.660% | $0.00 | 1.0 | None | No | No | 7.125% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | XXXX | XXXX | 2.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 10.15 | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074494 | XXXX | N/A | No | No | XXXX | XXXX | 7.875% | No | No | US Citizen | 1 | $9,987.96 | $1,850.04 | $832.33 | $154.17 | 0.000% | 0.000% | 0.000% | XXXX | 732 | No | No | DSCR | 1 | 0 | 0 | No | XXXX | $0.00 | 1.0 | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.21 | 0.83 | XXXX | XXXX | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 33.09 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074226 | XXXX | N/A | No | No | XXXX | XXXX | 8.000% | No | No | US Citizen | 1 | $2,810.28 | $945.00 | $234.19 | $78.75 | 0.000% | 0.000% | 0.000% | XXXX | 744 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 1.0 | N/A | No | 8.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.75 | 1.33 | XXXX | XXXX | 1.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 13.03 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000072019 | XXXX | N/A | No | Yes | $0.00 | 6.739% | XXXX | XXXX | 6.750% | No | No | Employed | US Citizen | $24,268.30 | 1 | $7,666.80 | $0.00 | $638.90 | $0.00 | 38.477% | 38.477% | 38.477% | XXXX | 786 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 [Borrower - | Primary Income - Wages]; W-2 - 2022 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXX | 6.660% | $0.00 | 3.3 | LP / LPA | Accept/Eligible | No | No | 6.750% | 1 | 0 | 0 | 2 | 0 | 0.00 | No | XXXX | XXXX | No | 27 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 155.87 | No | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000070797 | XXXX | Non QM | Yes | No | $3,737.50 | $4,998.61 | 7.661% | XXXX | XXXX | 7.625% | No | No | Self-Employed | US Citizen | $20,214.63 | 1 | $14,042.04 | $2,444.16 | $1,170.17 | $203.68 | 45.798% | 45.798% | 45.798% | XXXX | 776 | No | Yes | 24 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | No | XXXX | $3,737.50 | 6.810% | $0.00 | 3.5 | None | No | No | 7.625% | 0 | 0 | 0 | 2 | 0 | 24 | 0.00 | No | XXXX | XXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 24.05 | No | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074346 | XXXX | N/A | No | No | XXXX | XXXX | 7.000% | No | No | US Citizen | 2 | $16,369.32 | $3,642.96 | $1,364.11 | $303.58 | 0.000% | 0.000% | 0.000% | XXXX | 757 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXX | $0.00 | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | XXXX | XXXX | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 7.24 | Yes | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000068702 | XXXX | N/A | No | No | XXXX | XXXX | 7.750% | No | No | US Citizen | 3 | $3,380.88 | $996.00 | $281.74 | $83.00 | 0.000% | 0.000% | 0.000% | XXXX | 743 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXX | $0.00 | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.05 | 0.95 | XXXX | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 60.66 | Yes | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000070857 | XXXX | N/A | No | No | XXXX | XXXX | 7.375% | No | No | US Citizen | 1 | $8,163.96 | $464.04 | $680.33 | $38.67 | 0.000% | 0.000% | 0.000% | XXXX | 724 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 2.1 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.59 | 1.71 | XXXX | XXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 97.85 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000072818 | XXXX | Non QM | Yes | No | $25,379.35 | $11,006.08 | 7.164% | XXXX | XXXX | 6.990% | No | No | Self-Employed | US Citizen | $6,062.00 | 1 | $12,149.28 | $1,377.96 | $1,012.44 | $114.83 | 45.550% | 45.550% | 45.550% | XXXX | 813 | No | No | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2025 [Borrower - | Primary Income - Sole Proprietor]; Other - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2024 [Borrower - | Primary Income - Sole Proprietor]; W-2 Transcript - No Results Returned - 2024 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2023 [Borrower - | Primary Income - Sole Proprietor]; W-2 Transcript - 2023 [Borrower - | Non-Primary Income - Sole Proprietor]; CPA Letter - 2025 [Borrower - | Non-Primary Income - Sole Proprietor]; Other - 2025 [Borrower - | Non-Primary Income - Sole Proprietor]; 1099 - 2024 [Borrower - | Non-Primary Income - Sole Proprietor]; W-2 Transcript - No Results Returned - 2024 [Borrower - | Non-Primary Income - Sole Proprietor]; 1099 - 2023 [Borrower - | Non-Primary Income - Sole Proprietor]; W-2 Transcript - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr 1099 | 0 | 0 | 0 | No | XXXX | $25,379.35 | 6.650% | $0.00 | 1.0 | None | No | No | 6.990% | 1 | 0 | 0 | 2 | 0 | No | XXXX | XXXX | 38.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 6.4 | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074874 | XXXX | N/A | No | No | XXXX | XXXX | 7.125% | No | No | 0 | US Citizen | US Citizen | 2 | $6,550.68 | $1,665.00 | $545.89 | $138.75 | 0.000% | 0.000% | 0.000% | XXXX | 744 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.35 | 0.74 | XXXX | XXXX | 50.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 41.86 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000073837 | XXXX | Non QM | Yes | No | $7,446.85 | $7,972.06 | 7.550% | XXXX | XXXX | 7.250% | No | No | Self-Employed | US Citizen | $3,754.50 | 1 | $1,708.32 | $3,680.52 | $142.36 | $306.71 | 50.679% | 50.679% | 50.679% | XXXX | 797 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $7,446.85 | 6.650% | $500.00 | 1.0 | None | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | XXXX | 53.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 43.05 | Yes | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000073775 | XXXX | N/A | No | No | XXXX | XXXX | 8.375% | No | No | US Citizen | 1 | $2,460.24 | $1,557.96 | $205.02 | $129.83 | 0.000% | 0.000% | 0.000% | XXXX | 725 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 1.0 | Yes | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.91 | 1.09 | XXXX | XXXX | 41.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 16.83 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000072672 | XXXX | N/A | No | No | $16,045.37 | $13,499.30 | 8.444% | XXXX | XXXX | 8.375% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $254,153.65 | 1 | $38,040.00 | $2,647.56 | $3,170.00 | $220.63 | 21.516% | 21.516% | 21.516% | XXXX | 680 | No | Yes | 24 | Business | 100.000% | 66.660% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 66.66% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 66.66% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 66.66% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | No | XXXX | $16,045.37 | 6.650% | $0.00 | 5.0 | None | No | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 0 | 24 | 0.00 | No | XXXX | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 31.54 | No | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000072915 | XXXX | N/A | No | Yes | $0.00 | $0.00 | 6.750% | XXXX | XXXX | 6.750% | No | No | Employed | Non-Employment Income | US Citizen | US Citizen | $19,162.08 | 1 | $27,500.04 | $7,566.24 | $2,291.67 | $630.52 | 29.607% | 29.607% | 29.607% | XXXX | 794 | No | No | [Coborrower(s) - | Primary Income - Social Security]; Account Statements - 2025 [Borrower - | Primary Income - Wages]; Employer Letter - 2025 [Borrower - | Primary Income - Wages]; Other - 2025 [Borrower - | Primary Income - Wages]; Other - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Other - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022 [Borrower - | Non-Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2024 [Borrower - | Non-Primary Income - Social Security]; Account Statements - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; Transcripts (1040) - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; Transcripts (1040) - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | No | XXXX | 6.650% | $5,000.00 | 2.3 | LP / LPA | Accept/Eligible | No | No | 6.750% | 2 | 0 | 1 | 0 | 4 | 2 | 0.00 | No | XXXX | XXXX | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 510.9 | Yes | No | $1,524.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000072674 | XXXX | N/A | No | No | $17,872.62 | $18,608.68 | 8.488% | XXXX | XXXX | 8.375% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $417,255.88 | 1 | $833.40 | $2,654.04 | $69.45 | $221.17 | 14.108% | 14.108% | 14.108% | XXXX | 680 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | No | XXXX | $17,872.62 | 6.650% | $0.00 | 5.0 | None | No | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 0 | 24 | 0.00 | No | XXXX | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 18.8 | No | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000073005 | XXXX | Non QM | Yes | No | $0.00 | $775.73 | 7.267% | XXXX | XXXX | 7.250% | No | No | Employed | Not Employed | US Citizen | US Citizen | $10,550.05 | 1 | $6,665.40 | $513.00 | $555.45 | $42.75 | 35.331% | 35.331% | 35.331% | XXXX | 804 | No | No | [Borrower - | Primary Income - Wages]; Employer Letter - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXX | 6.620% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 7.250% | 2 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | XXXX | XXXX | No | 27 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 51.41 | No | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074723 | XXXX | Non QM | Yes | No | $1,690.00 | $13,069.22 | 7.834% | XXXX | XXXX | 8.334% | No | No | Employed | Employed | US Citizen | US Citizen | $21,725.86 | 1 | $33,500.04 | $3,440.04 | $2,791.67 | $286.67 | 46.790% | 43.117% | 46.790% | XXXX | 816 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXX | $1,690.00 | 6.690% | $0.00 | 1.0 | None | Yes | No | 8.334% | 2 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | XXXX | XXXX | 42.000% | No | 26 | 26 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 61.05 | Yes | No | $0.00 | $18,292.57 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074549 | XXXX | Non QM | Yes | No | $2,243.05 | $3,564.35 | 6.978% | XXXX | XXXX | 6.875% | No | No | Self-Employed | Not Employed | Permanent Resident Alien | US Citizen | $101,716.35 | 1 | $10,590.36 | $1,203.00 | $882.53 | $100.25 | 13.634% | 13.634% | 13.634% | XXXX | 685 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $2,243.05 | 6.810% | $0.00 | 1.9 | None | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXX | XXXX | 17.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 23.36 | Yes | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000071275 | XXXX | Non QM | Yes | No | $6,082.99 | $7,373.26 | 7.843% | XXXX | XXXX | 7.750% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $14,707.45 | 1 | $4,873.20 | $5,586.84 | $406.10 | $465.57 | 40.213% | 40.213% | 40.213% | XXXX | 729 | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2021 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2021 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2021 [Coborrower]; 4506-C - 2020 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $6,082.99 | 6.660% | $0.00 | 5.0 | None | No | No | 7.750% | 0 | 0 | 0 | 0 | 4 | 0 | 12 | 0.00 | No | XXXX | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 39.06 | No | $12,299.95 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074129 | XXXX | N/A | No | No | $15,705.00 | $5,881.86 | 8.133% | XXXX | XXXX | 7.875% | No | No | Self-Employed | US Citizen | $81,875.13 | 1 | $1,840.32 | $802.08 | $153.36 | $66.84 | 19.703% | 19.703% | 19.703% | XXXX | 758 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2025 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXX | $15,705.00 | 6.700% | $0.00 | 1.0 | None | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXX | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 117.98 | No | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074080 | XXXX | Non QM | Yes | No | $9,452.50 | $10,584.44 | 7.731% | XXXX | XXXX | 7.500% | No | No | Employed | US Citizen | $4,774.45 | 1 | $7,382.16 | $1,542.96 | $615.18 | $128.58 | 47.534% | 47.534% | 47.534% | XXXX | 809 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXX | $9,452.50 | 6.700% | $180,000.00 | 1.0 | None | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXX | XXXX | 3.000% | No | 27 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 2.72 | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000071713 | XXXX | N/A | No | No | XXXX | XXXX | 7.000% | No | No | US Citizen | 1 | $3,743.88 | $645.96 | $311.99 | $53.83 | 0.000% | 0.000% | 0.000% | XXXX | 740 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 1.0 | No | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.21 | 0.82 | XXXX | XXXX | No | Yes | Preliminary | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 17.06 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074315 | XXXX | Non QM | Yes | No | $22,706.00 | $26,313.91 | 8.156% | XXXX | XXXX | 7.875% | No | No | Employed | US Citizen | $14,794.07 | 1 | $15,000.00 | $3,001.68 | $1,250.00 | $250.14 | 45.233% | 45.233% | 45.233% | XXXX | 771 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXX | $22,706.00 | 6.810% | $0.00 | 1.0 | None | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXX | XXXX | 16.000% | No | 25 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 19.68 | Yes | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074383 | XXXX | Non QM | Yes | No | $2,090.00 | $10,791.05 | 7.531% | XXXX | XXXX | 7.500% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $21,904.89 | 2 | $12,049.44 | $1,353.96 | $1,004.12 | $112.83 | 34.445% | 34.445% | 34.445% | XXXX | 792 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2012 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $2,090.00 | 6.810% | $0.00 | None | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | XXXX | 37.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 40.08 | No | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074085 | XXXX | Non QM | Yes | No | $2,549.00 | $8,930.67 | 7.588% | XXXX | XXXX | 7.500% | No | No | Employed | US Citizen | $10,927.71 | 1 | $21,768.72 | $1,487.16 | $1,814.06 | $123.93 | 47.139% | 47.139% | 47.139% | XXXX | 819 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXX | $2,549.00 | 6.700% | $0.00 | 2.3 | None | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXX | XXXX | 63.000% | No | 27 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 84.56 | No | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074128 | XXXX | N/A | No | No | $15,473.25 | $6,085.56 | 8.056% | XXXX | XXXX | 7.750% | No | No | Self-Employed | US Citizen | $82,086.70 | 1 | $1,557.48 | $930.96 | $129.79 | $77.58 | 19.496% | 19.496% | 19.496% | XXXX | 758 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2024 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXX | $15,473.25 | 6.700% | $0.00 | 1.0 | None | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXX | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 107.37 | No | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000075398 | XXXX | N/A | No | No | $11,515.88 | $4,486.34 | 7.644% | XXXX | XXXX | 7.500% | No | No | Self-Employed | Permanent Resident Alien | $17,665.09 | 1 | $4,812.60 | $2,262.48 | $401.05 | $188.54 | 36.482% | 36.482% | 36.482% | XXXX | 756 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Yes | XXXX | $11,515.88 | 6.810% | $0.00 | 1.0 | None | Yes | No | 7.500% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | XXXX | XXXX | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 156.86 | No | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000066678 | XXXX | N/A | No | No | $135,232.82 | $18,600.07 | 8.332% | XXXX | XXXX | 8.250% | No | No | Self-Employed | US Citizen | $111,594.84 | 1 | $13,143.12 | $5,122.20 | $1,095.26 | $426.85 | 37.473% | 37.473% | 37.473% | XXXX | 703 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; 4506-C (for Business) - 2022 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $135,232.82 | 6.870% | $0.00 | 2.4 | None | No | No | 8.250% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | XXXX | XXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 15.19 | No | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074157 | XXXX | Non QM | Yes | No | $2,715.00 | $5,993.38 | 8.517% | XXXX | XXXX | 9.334% | No | No | Employed | US Citizen | $9,279.79 | 1 | $9,812.52 | $549.96 | $817.71 | $45.83 | 44.266% | 43.356% | 44.266% | XXXX | 758 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXX | $2,715.00 | 6.780% | $0.00 | 1.0 | None | N/A | No | 9.334% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXX | XXXX | 10.000% | No | 27 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 11.34 | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000073962 | XXXX | Non QM | Yes | No | $6,395.00 | $6,907.22 | 7.439% | XXXX | XXXX | 7.000% | No | No | Self-Employed | Permanent Resident Alien | $8,537.34 | 1 | $6,000.00 | $1,358.28 | $500.00 | $113.19 | 34.432% | 34.432% | 34.432% | XXXX | 796 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXX | $6,395.00 | 6.700% | $580.00 | 1.0 | None | N/A | No | 7.000% | 0 | 0 | 0 | 3 | 0 | 12.00 | No | XXXX | XXXX | 56.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 8.92 | Yes | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000075394 | XXXX | N/A | No | No | XXXX | XXXX | 7.250% | No | No | US Citizen | 1 | $4,199.04 | $1,680.00 | $349.92 | $140.00 | 0.000% | 0.000% | 0.000% | XXXX | 755 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.26 | 0.79 | XXXX | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 12.35 | Yes | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074676 | XXXX | N/A | No | No | XXXX | XXXX | 8.125% | No | No | US Citizen | 1 | $14,294.28 | $854.04 | $1,191.19 | $71.17 | 0.000% | 0.000% | 0.000% | XXXX | 776 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 1.0 | N/A | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.58 | 1.72 | XXXX | XXXX | No | Yes | Preliminary | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 13.97 | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000073953 | XXXX | Non QM | Yes | No | $3,250.00 | $283.67 | 8.008% | XXXX | XXXX | 8.000% | No | No | Self-Employed | US Citizen | $9,417.71 | 1 | $7,265.88 | $2,534.16 | $605.49 | $211.18 | 37.846% | 37.846% | 37.846% | XXXX | 701 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 45.20000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 45.20000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 45.20000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 45.20000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $3,250.00 | 6.700% | $0.00 | 1.0 | None | No | No | 8.000% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | XXXX | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | No | 87.05 | No | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074313 | XXXX | N/A | No | Yes | $0.00 | 7.750% | XXXX | XXXX | 7.750% | No | No | Employed | Employed | US Citizen | US Citizen | $11,331.10 | 1 | $3,057.36 | $953.04 | $254.78 | $79.42 | 22.076% | 22.076% | 22.076% | XXXX | 795 | No | No | [Borrower - | Primary Income - Wages]; Leave and Earnings Statement (LES) - 2025 [Borrower - | Primary Income - Wages]; Leave and Earnings Statement (LES) - 2025 [Borrower - | Primary Income - Wages]; Leave and Earnings Statement (LES) - 2025 [Borrower - | Primary Income - Wages]; Leave and Earnings Statement (LES) - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXX | 6.810% | $0.00 | DU | Yes | ApproveEligible | N/A | No | 7.750% | 2 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | XXXX | XXXX | No | 8 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 42.24 | No | $0.00 | $7,200.67 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000071577 | XXXX | N/A | No | No | XXXX | XXXX | 7.375% | No | No | US Citizen | 1 | $4,230.48 | $843.00 | $352.54 | $70.25 | 0.000% | 0.000% | 0.000% | XXXX | 800 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 1.5 | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.26 | 0.8 | XXXX | XXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 293.94 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000075201 | XXXX | Non QM | Yes | No | $9,527.50 | $6,336.72 | 7.048% | XXXX | XXXX | 6.875% | No | No | Self-Employed | US Citizen | $11,909.72 | 1 | $3,675.72 | $5,613.48 | $306.31 | $467.79 | 49.309% | 49.309% | 49.309% | XXXX | 786 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $9,527.50 | 6.650% | $0.00 | 1.4 | None | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | XXXX | 3.000% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 143.62 | Yes | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000072049 | XXXX | Non QM | Yes | No | $1,675.00 | $3,721.03 | 6.906% | XXXX | XXXX | 6.875% | No | No | Employed | Employed | US Citizen | US Citizen | $13,112.54 | 1 | $5,951.40 | $3,344.28 | $495.95 | $278.69 | 44.675% | 44.675% | 44.675% | XXXX | 797 | No | No | [Borrower - | Primary Income - Wages]; Employer Letter - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; Employer Letter - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; Employer Letter - 2025 [Coborrower(s) - | Primary Income - Wages]; Other - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXX | $1,675.00 | 6.660% | $4,000.00 | 2.2 | None | No | No | 6.875% | 2 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | XXXX | XXXX | 43.000% | No | 27 | 27 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 31.25 | Yes | No | $0.00 | $10,763.50 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074932 | XXXX | N/A | No | No | XXXX | XXXX | 7.750% | No | No | US Citizen | 1 | $2,424.12 | $441.00 | $202.01 | $36.75 | 0.000% | 0.000% | 0.000% | XXXX | 817 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 1.0 | Yes | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.07 | 0.94 | XXXX | XXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 24.79 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000071529 | XXXX | Non QM | Yes | No | $2,963.44 | $186.90 | 6.875% | XXXX | XXXX | 6.875% | No | No | Self-Employed | US Citizen | $9,294.73 | 1 | $6,143.16 | $2,016.96 | $511.93 | $168.08 | 28.375% | 28.375% | 28.375% | XXXX | 741 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $2,963.44 | 6.660% | $55,000.00 | 1.0 | None | Yes | No | 6.875% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | XXXX | XXXX | 8.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | 7.63 | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000070754 | XXXX | N/A | No | Yes | $0.00 | 7.123% | XXXX | XXXX | 7.125% | No | No | Employed | US Citizen | $7,447.13 | 1 | $1,827.48 | $504.00 | $152.29 | $42.00 | 45.839% | 45.839% | 45.839% | XXXX | 778 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXX | 6.810% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 7.125% | 1 | 1 | 0 | 3 | 0 | 0.00 | No | XXXX | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 57.51 | No | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000073161 | XXXX | N/A | No | No | XXXX | XXXX | 8.750% | No | No | US Citizen | 1 | $747.36 | $1,758.96 | $62.28 | $146.58 | 0.000% | 0.000% | 0.000% | XXXX | 754 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 1.0 | N/A | No | 8.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.5 | 0.67 | XXXX | XXXX | 42.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 14.93 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000075068 | XXXX | N/A | No | No | XXXX | XXXX | 8.875% | No | No | US Citizen | 4 | $15,546.72 | $3,145.08 | $1,295.56 | $262.09 | 0.000% | 0.000% | 0.000% | XXXX | 692 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | No | No | 8.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.08 | 0.92 | XXXX | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 57.21 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000073216 | XXXX | N/A | No | No | XXXX | XXXX | 7.750% | No | No | US Citizen | 1 | $3,471.96 | $1,235.04 | $289.33 | $102.92 | 0.000% | 0.000% | 0.000% | XXXX | 690 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 3.7 | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | XXXX | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 101.14 | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000072239 | XXXX | N/A | No | No | $2,168.00 | $2,690.00 | 7.592% | XXXX | XXXX | 7.500% | No | No | Not Employed | Employed | Employed | 13.89 | Permanent Resident Alien | Permanent Resident Alien | $18,431.36 | 1 | $9,811.68 | $1,116.36 | $817.64 | $93.03 | 46.239% | 46.239% | 46.239% | XXXX | 793 | Level 2-Stated/Not Verified | Level 5-Stated/Verified as defined | Level 3-Stated/Verified as defined | No | No | [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2023 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXX | $2,168.00 | 6.650% | $0.00 | 1.0 | None | Yes | No | 7.500% | 0 | 2 | 0 | 0 | 0 | 0 | 0.00 | No | XXXX | XXXX | No | 26 | 27 | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | No | 84.06 | Yes | No | $0.00 | $34,284.04 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000073802 | XXXX | N/A | No | No | XXXX | XXXX | 7.250% | No | No | US Citizen | US Citizen | 1 | $13,744.56 | $11,944.92 | $1,145.38 | $995.41 | 0.000% | 0.000% | 0.000% | XXXX | 759 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 1.1 | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.2 | 0.83 | XXXX | XXXX | 8.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 9.98 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000073124 | XXXX | N/A | No | No | XXXX | XXXX | 8.750% | No | No | US Citizen | 1 | $8,551.56 | $2,039.04 | $712.63 | $169.92 | 0.000% | 0.000% | 0.000% | XXXX | 689 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 1.0 | Yes | No | 8.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.83 | 1.2 | XXXX | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 86.36 | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074550 | XXXX | N/A | No | No | XXXX | XXXX | 8.500% | No | No | US Citizen | 2 | $14,775.00 | $1,056.00 | $1,231.25 | $88.00 | 0.000% | 0.000% | 0.000% | XXXX | 793 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | N/A | No | 8.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | XXXX | XXXX | 31.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 6.07 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074990 | XXXX | N/A | No | No | XXXX | XXXX | 8.875% | No | No | US Citizen | 1 | $1,255.68 | $837.00 | $104.64 | $69.75 | 0.000% | 0.000% | 0.000% | XXXX | 808 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 1.0 | Yes | No | 8.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.83 | 1.2 | XXXX | XXXX | 37.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 18.85 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000072837 | XXXX | N/A | No | No | XXXX | XXXX | 6.750% | No | No | US Citizen | 2 | $19,416.96 | $4,575.12 | $1,618.08 | $381.26 | 0.000% | 0.000% | 0.000% | XXXX | 746 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | XXXX | XXXX | No | Yes | Preliminary | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 41.69 | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000073687 | XXXX | Non QM | Yes | No | $6,333.75 | $9,184.66 | 7.552% | XXXX | XXXX | 7.375% | No | No | Self-Employed | US Citizen | $8,328.40 | 1 | $8,094.00 | $1,020.00 | $674.50 | $85.00 | 34.969% | 34.969% | 34.969% | XXXX | 809 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2025 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXX | $6,333.75 | 6.700% | $0.00 | 1.0 | None | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXX | XXXX | 10.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 7.71 | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000073699 | XXXX | Non QM | Yes | No | $5,662.00 | $7,050.19 | 7.900% | XXXX | XXXX | 7.250% | No | No | Self-Employed | US Citizen | $28,795.27 | 1 | $7,432.20 | $2,960.04 | $619.35 | $246.67 | 22.133% | 22.133% | 22.133% | XXXX | 813 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $5,662.00 | 6.080% | $0.00 | 1.0 | None | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | XXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 83.27 | No | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074886 | XXXX | Non QM | Yes | No | $5,954.00 | $8,894.71 | 6.920% | XXXX | XXXX | 6.750% | No | No | Employed | Permanent Resident Alien | $5,618.89 | 1 | $6,166.68 | $4,017.96 | $513.89 | $334.83 | 43.811% | 43.811% | 43.811% | XXXX | 793 | No | No | [Borrower - | Primary Income - Wages]; Other - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXX | $5,954.00 | 6.810% | $2,000.00 | 1.0 | None | Yes | No | 6.750% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | XXXX | XXXX | 10.000% | No | 27 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 14.79 | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074899 | XXXX | N/A | No | No | XXXX | XXXX | 6.750% | No | No | US Citizen | 1 | $14,472.24 | $1,716.00 | $1,206.02 | $143.00 | 0.000% | 0.000% | 0.000% | XXXX | 780 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXX | $0.00 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.04 | 0.96 | XXXX | XXXX | 37.000% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 3.14 | Yes | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000073668 | XXXX | Non QM | Yes | No | $19,560.78 | $20,222.03 | 7.762% | XXXX | XXXX | 7.375% | No | No | Self-Employed | US Citizen | $4,843.35 | 1 | $4,824.00 | $1,853.04 | $402.00 | $154.42 | 49.548% | 49.548% | 49.548% | XXXX | 705 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 1yr P&L w/o Bank Statements | 0 | 0 | 0 | No | XXXX | $19,560.78 | 6.620% | $1,275.00 | 1.0 | None | Yes | No | 7.375% | 0 | 0 | 0 | 3 | 0 | 12.00 | No | XXXX | XXXX | 10.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 13.64 | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074637 | XXXX | N/A | No | No | XXXX | XXXX | 7.750% | No | No | US Citizen | 1 | $2,648.40 | $3,243.60 | $220.70 | $270.30 | 0.000% | 0.000% | 0.000% | XXXX | 767 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 1.0 | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.15 | 0.87 | XXXX | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 105.91 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074403 | XXXX | N/A | No | No | XXXX | XXXX | 8.000% | No | No | US Citizen | US Citizen | 1 | $1,766.04 | $1,251.96 | $147.17 | $104.33 | 0.000% | 0.000% | 0.000% | XXXX | 775 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 1.6 | No | No | 8.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.11 | 0.9 | XXXX | XXXX | 39.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 9.46 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000075620 | XXXX | N/A | No | No | XXXX | XXXX | 8.250% | No | No | US Citizen | 2 | $6,496.68 | $3,737.04 | $541.39 | $311.42 | 0.000% | 0.000% | 0.000% | XXXX | 747 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | N/A | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.21 | 0.83 | XXXX | XXXX | 36.000% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 5.35 | Yes | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000072259 | XXXX | Non QM | Yes | No | $6,678.80 | $2,084.11 | 7.812% | XXXX | XXXX | 7.750% | No | No | Self-Employed | Permanent Resident Alien | $22,735.19 | 1 | $8,281.08 | $1,326.00 | $690.09 | $110.50 | 16.647% | 16.647% | 16.647% | XXXX | 704 | No | Yes | 12 | Business | 100.000% | 80.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 80.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 80.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 80.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 80.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $6,678.80 | 6.650% | $18,600.00 | 1.0 | None | No | No | 7.750% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | XXXX | XXXX | 8.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 13.55 | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000070041 | XXXX | Non QM | Yes | No | $15,600.00 | $16,077.33 | 7.099% | XXXX | XXXX | 6.750% | No | No | Self-Employed | US Citizen | $6,643.69 | 1 | $3,249.72 | $3,801.60 | $270.81 | $316.80 | 48.555% | 48.555% | 48.555% | XXXX | 701 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $15,600.00 | 6.620% | $0.00 | 3.0 | None | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 88.9 | No | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000071827 | XXXX | Non QM | Yes | No | $2,785.00 | $4,361.42 | 6.955% | XXXX | XXXX | 6.875% | No | No | Self-Employed | US Citizen | $110,987.09 | 1 | $6,865.20 | $3,130.92 | $572.10 | $260.91 | 6.622% | 6.622% | 6.622% | XXXX | 787 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $2,785.00 | 6.660% | $0.00 | 3.6 | None | Yes | No | 6.875% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | XXXX | XXXX | 97.000% | No | Yes | Short Form | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | 110.69 | Yes | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074102 | XXXX | Non QM | Yes | No | $12,545.00 | $12,840.27 | 7.594% | XXXX | XXXX | 7.375% | No | No | Self-Employed | US Citizen | $12,316.83 | 1 | $9,781.20 | $1,142.76 | $815.10 | $95.23 | 45.172% | 45.172% | 45.172% | XXXX | 709 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $12,545.00 | 6.700% | $0.00 | 2.3 | None | No | No | 7.375% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | XXXX | XXXX | 24.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | 29.89 | Yes | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000073702 | XXXX | N/A | No | No | XXXX | XXXX | 8.125% | No | No | Permanent Resident Alien | 1 | $7,625.04 | $1,683.00 | $635.42 | $140.25 | 0.000% | 0.000% | 0.000% | XXXX | 703 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 1.0 | N/A | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.76 | 1.32 | XXXX | XXXX | 37.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 8.07 | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000073403 | XXXX | Non QM | Yes | No | $23,435.60 | $24,606.55 | 7.080% | XXXX | XXXX | 6.750% | No | No | Self-Employed | US Citizen | $10,859.97 | 2 | $13,104.12 | $1,880.04 | $1,092.01 | $156.67 | 41.660% | 41.660% | 41.660% | XXXX | 732 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2025 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | Yes | XXXX | $23,435.60 | 6.810% | $0.00 | None | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXX | XXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Risk Score Classic 04 | No | 6.72 | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000070668 | XXXX | Non QM | Yes | No | $2,742.75 | $7,645.61 | 7.376% | XXXX | XXXX | 7.250% | No | No | Self-Employed | US Citizen | $34,747.97 | 1 | $7,685.16 | $2,967.96 | $640.43 | $247.33 | 12.577% | 12.577% | 12.577% | XXXX | 777 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $2,742.75 | 6.650% | $0.00 | 1.9 | None | No | No | 7.250% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXX | XXXX | 82.000% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 63.2 | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000072650 | XXXX | Non QM | Yes | No | $8,075.00 | $9,621.51 | 7.425% | XXXX | XXXX | 7.125% | No | No | Self-Employed | Non-Permanent Resident Alien | XXXX | $6,065.57 | 1 | $2,601.24 | $431.04 | $216.77 | $35.92 | 32.042% | 32.042% | 32.042% | XXXX | 783 | No | Yes | 12 | Personal | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $8,075.00 | 6.650% | $0.00 | 1.2 | None | Yes | No | 7.125% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | XXXX | XXXX | 40.000% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Employment Authorization | 6.25 | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000072121 | XXXX | Non QM | Yes | No | $10,000.00 | $14,424.75 | 7.060% | XXXX | XXXX | 7.000% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $26,500.05 | 1 | $26,261.16 | $1,647.96 | $2,188.43 | $137.33 | 47.332% | 47.332% | 47.332% | XXXX | 800 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $10,000.00 | 6.650% | $0.00 | 4.1 | None | No | No | 7.000% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | XXXX | XXXX | 55.000% | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | 50.31 | Yes | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074311 | XXXX | Safe Harbor QM (APOR) | Yes | No | $12,821.30 | $5,603.73 | 6.914% | XXXX | XXXX | 6.875% | No | No | Employed | Not Employed | US Citizen | US Citizen | $20,811.51 | 1 | $12,540.12 | $6,068.04 | $1,045.01 | $505.67 | 36.298% | 36.298% | 36.298% | XXXX | 804 | No | No | [Borrower - | Primary Income - Wages]; Employer Letter - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 [Borrower - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXX | $12,821.30 | 6.810% | $22,500.00 | 1.0 | LP / LPA | Accept/Eligible | No | No | 6.875% | 2 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | XXXX | XXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 213.69 | No | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074950 | XXXX | Non QM | Yes | No | $12,635.00 | $13,406.50 | 7.141% | XXXX | XXXX | 6.750% | No | No | Self-Employed | Permanent Resident Alien | $17,976.50 | 1 | $10,342.20 | $3,224.40 | $861.85 | $268.70 | 32.948% | 32.948% | 32.948% | XXXX | 746 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2025 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | Yes | XXXX | $12,635.00 | 6.180% | $10,000.00 | None | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXX | XXXX | 45.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 4.97 | Yes | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000069841 | XXXX | Non QM | Yes | No | $36,548.13 | $2,448.24 | 7.491% | XXXX | XXXX | 7.500% | No | No | Self-Employed | US Citizen | $10,598.86 | 1 | $7,460.16 | $2,915.04 | $621.68 | $242.92 | 52.242% | 52.242% | 52.242% | XXXX | 763 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $36,548.13 | 6.620% | $22,446.00 | 2.0 | None | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | XXXX | 15.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | Yes | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 26.64 | Yes | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000073795 | XXXX | Non QM | Yes | No | $11,965.00 | $16,845.50 | 8.045% | XXXX | XXXX | 7.875% | No | No | Employed | US Citizen | $8,067.14 | 1 | $9,037.20 | $2,520.48 | $753.10 | $210.04 | 48.617% | 48.617% | 48.617% | XXXX | 806 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXX | $11,965.00 | 6.700% | $0.00 | None | Yes | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXX | XXXX | 32.000% | No | 27 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 14.04 | Yes | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000073941 | XXXX | Non QM | Yes | No | $6,215.00 | $7,548.23 | 8.294% | XXXX | XXXX | 7.875% | No | No | Self-Employed | US Citizen | $5,980.33 | 1 | $7,986.84 | $2,445.00 | $665.57 | $203.75 | 42.497% | 42.497% | 42.497% | XXXX | 759 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2005 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Yes | XXXX | $6,215.00 | 6.180% | $0.00 | 2.5 | None | Yes | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 66.42 | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000073538 | XXXX | Non QM | Yes | No | $1,985.00 | $2,662.02 | 8.126% | XXXX | XXXX | 8.000% | No | No | Self-Employed | US Citizen | $5,530.33 | 1 | $3,311.16 | $1,318.20 | $275.93 | $109.85 | 30.448% | 30.448% | 30.448% | XXXX | 806 | No | Yes | 12 | Personal | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $1,985.00 | 6.620% | $0.00 | 1.4 | None | Yes | No | 8.000% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | XXXX | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 87.12 | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074586 | XXXX | Non QM | Yes | No | $26,595.00 | $1,185.12 | 8.898% | XXXX | XXXX | 8.875% | No | No | Self-Employed | Permanent Resident Alien | $16,942.81 | 1 | $13,462.44 | $1,367.04 | $1,121.87 | $113.92 | 38.388% | 38.388% | 38.388% | XXXX | 760 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXX | $26,595.00 | 6.810% | $0.00 | 1.5 | None | Yes | No | 8.875% | 0 | 0 | 0 | 2 | 0 | 15.00 | No | XXXX | XXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | No | 23.16 | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000073774 | XXXX | N/A | No | No | XXXX | XXXX | 7.875% | No | No | US Citizen | 1 | $4,731.72 | $689.04 | $394.31 | $57.42 | 0.000% | 0.000% | 0.000% | XXXX | 789 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 1.0 | Yes | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.8 | 1.25 | XXXX | XXXX | 3.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 20.02 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000072413 | XXXX | N/A | No | Yes | $0.00 | 6.858% | XXXX | XXXX | 6.875% | No | No | Self-Employed | US Citizen | $14,999.08 | 1 | $16,250.04 | $1,812.96 | $1,354.17 | $151.08 | 39.541% | 39.541% | 39.541% | XXXX | 766 | No | No | [Borrower - | Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Business License - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Other - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Other - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Other - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; Business Return Transcripts - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022 |
[Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | XXXX | 6.650% | $0.00 | 3.6 | DU | ApproveEligible | No | No | 6.875% | 1 | 1 | 0 | 3 | 1 | No | XXXX | XXXX | 48.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 15.47 | No | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074500 | XXXX | Non QM | Yes | No | $7,295.00 | $10,547.70 | 7.849% | XXXX | XXXX | 7.625% | No | No | Employed | US Citizen | $4,759.02 | 1 | $7,677.36 | $1,398.96 | $639.78 | $116.58 | 44.663% | 44.663% | 44.663% | XXXX | 816 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | Yes | XXXX | $7,295.00 | 6.810% | $0.00 | None | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXX | XXXX | 30.000% | No | 27 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 5.86 | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074366 | XXXX | Non QM | Yes | No | $7,195.00 | $10,332.83 | 7.553% | XXXX | XXXX | 7.250% | No | No | Employed | Permanent Resident Alien | $8,043.05 | 1 | $8,600.04 | $1,531.08 | $716.67 | $127.59 | 40.422% | 40.422% | 40.422% | XXXX | 793 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXX | $7,195.00 | 6.810% | $0.00 | 1.0 | None | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXX | XXXX | 61.000% | No | 27 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 18.9 | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000071578 | XXXX | Non QM | Yes | No | $16,183.01 | $7,044.03 | 8.239% | XXXX | XXXX | 8.125% | No | No | Employed | US Citizen | $6,565.01 | 1 | $6,081.36 | $3,299.04 | $506.78 | $274.92 | 43.729% | 43.729% | 43.729% | XXXX | 710 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 [Borrower - | Non-Primary Income - Wages]; VVOE - 2025 [Borrower - | Non-Primary Income - Wages]; WVOE - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXX | $16,183.01 | 6.660% | $0.00 | 1.6 | None | Yes | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXX | XXXX | 6.000% | No | 26 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 8.06 | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000075004 | XXXX | Non QM | Yes | No | $10,793.60 | $10,371.16 | 7.018% | XXXX | XXXX | 7.000% | No | No | Employed | US Citizen | $8,492.73 | 1 | $6,443.04 | $3,386.88 | $536.92 | $282.24 | 54.705% | 54.705% | 54.705% | XXXX | 747 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1040 - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXX | $10,793.60 | 6.620% | $20,000.00 | 2.4 | None | Yes | No | 7.000% | 2 | 2 | 0 | 3 | 0 | 0.00 | No | XXXX | XXXX | 26.000% | No | 6 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 9.25 | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000072205 | XXXX | Non QM | Yes | No | $1,790.00 | $2,954.28 | 7.290% | XXXX | XXXX | 7.250% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $6,730.39 | 1 | $6,956.28 | $1,548.96 | $579.69 | $129.08 | 45.703% | 45.703% | 45.703% | XXXX | 800 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2021 |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | No | XXXX | $1,790.00 | 6.650% | $0.00 | 1.4 | None | No | No | 7.250% | 0 | 0 | 0 | 0 | 4 | 0 | 0.00 | No | Other | XXXX | XXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 190.26 | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000068569 | XXXX | Non QM | Yes | No | $26,095.00 | $35,148.17 | 7.138% | XXXX | XXXX | 6.875% | No | No | Self-Employed | US Citizen | $18,205.75 | 1 | $27,999.96 | $872.04 | $2,333.33 | $72.67 | 49.338% | 49.338% | 49.338% | XXXX | 762 | No | Yes | 14 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Yes | XXXX | $26,095.00 | 6.880% | $0.00 | 1.7 | None | Yes | No | 6.875% | 0 | 0 | 0 | 3 | 0 | 14 | 0.00 | No | XXXX | XXXX | 10.000% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 10.9 | No | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074498 | XXXX | Non QM | Yes | No | $8,880.00 | $10,093.71 | 8.486% | XXXX | XXXX | 8.250% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $15,263.05 | 1 | $12,278.52 | $2,226.00 | $1,023.21 | $185.50 | 35.951% | 35.951% | 35.951% | XXXX | 814 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2021 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2021 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $8,880.00 | 6.810% | $0.00 | 1.0 | None | Yes | No | 8.250% | 0 | 0 | 0 | 0 | 4 | 0 | 12 | 0.00 | No | XXXX | XXXX | 27.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 14.27 | No | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000073227 | XXXX | Non QM | Yes | No | $16,162.55 | $20,593.48 | 7.622% | XXXX | XXXX | 7.250% | No | No | Self-Employed | US Citizen | $9,974.72 | 1 | $10,187.52 | $546.00 | $848.96 | $45.50 | 39.179% | 39.179% | 39.179% | XXXX | 733 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2024 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXX | $16,162.55 | 6.620% | $0.00 | 1.0 | None | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXX | XXXX | 5.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 11.99 | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000072310 | XXXX | N/A | No | No | XXXX | XXXX | 7.625% | No | No | US Citizen | 1 | $6,658.08 | $738.96 | $554.84 | $61.58 | 0.000% | 0.000% | 0.000% | XXXX | 730 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXX | $0.00 | 2.8 | No | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.88 | 0.53 | XXXX | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 34.38 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074800 | XXXX | N/A | No | No | XXXX | XXXX | 6.500% | No | No | US Citizen | 3 | $10,556.28 | $2,871.00 | $879.69 | $239.25 | 0.000% | 0.000% | 0.000% | XXXX | 775 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXX | $0.00 | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.29 | 0.78 | XXXX | XXXX | 10.000% | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 4.35 | Yes | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000075170 | XXXX | Non QM | Yes | No | $2,090.00 | $3,541.90 | 7.232% | XXXX | XXXX | 7.125% | No | No | Employed | Permanent Resident Alien | $5,162.26 | 1 | $5,753.52 | $2,073.96 | $479.46 | $172.83 | 31.170% | 31.170% | 31.170% | XXXX | 782 | No | No | [Borrower - | Primary Income - Wages]; Other - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXX | $2,090.00 | 6.880% | $0.00 | 1.7 | None | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXX | XXXX | 12.000% | No | 27 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 23.27 | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074249 | XXXX | N/A | No | No | XXXX | XXXX | 8.875% | No | No | US Citizen | 2 | $1,485.00 | $1,227.96 | $123.75 | $102.33 | 0.000% | 0.000% | 0.000% | XXXX | 665 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXX | $0.00 | N/A | No | 8.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.59 | 0.63 | XXXX | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 93.62 | Yes | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000072528 | XXXX | Non QM | Yes | No | $1,844.00 | $13,749.70 | 7.513% | XXXX | XXXX | 7.500% | No | No | Self-Employed | Not Employed | US Citizen | Permanent Resident Alien | $28,147.44 | 1 | $43,461.00 | $7,049.04 | $3,621.75 | $587.42 | 45.312% | 45.312% | 48.124% | XXXX | 767 | No | Yes | 12 | Personal, Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 27.52000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 27.52000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 27.52000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 27.52000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 27.52000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $1,844.00 | 6.620% | $0.00 | 2.8 | None | No | No | 7.500% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 12 | 0.00 | No | 360 | XXXX | XXXX | 39.000% | No | Yes | Commitment | Fee Simple | Individual | Trustee | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 9.9 | Yes | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000073029 | XXXX | N/A | No | No | XXXX | XXXX | 7.750% | No | No | US Citizen | 1 | $9,375.00 | $1,725.96 | $781.25 | $143.83 | 0.000% | 0.000% | 0.000% | XXXX | 719 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 1.0 | Yes | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.77 | 1.3 | XXXX | XXXX | 53.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 30.63 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000072523 | XXXX | Non QM | Yes | No | $4,007.00 | $7,521.77 | 8.906% | XXXX | XXXX | 8.750% | No | No | Self-Employed | US Citizen | $30,603.65 | 1 | $7,900.80 | $1,724.04 | $658.40 | $143.67 | 31.387% | 31.387% | 31.387% | XXXX | 678 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | Yes | XXXX | $4,007.00 | 6.700% | $0.00 | 2.2 | None | No | No | 8.750% | 0 | 0 | 0 | 2 | 0 | 12.00 | No | XXXX | XXXX | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 65 | No | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000073650 | XXXX | Non QM | Yes | No | $35,476.00 | $38,214.56 | 8.603% | XXXX | XXXX | 8.375% | No | No | Self-Employed | US Citizen | $605,460.69 | 1 | $10,116.84 | $3,632.04 | $843.07 | $302.67 | 3.747% | 3.747% | 3.747% | XXXX | 676 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $35,476.00 | 6.600% | $0.00 | 1.0 | None | N/A | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | XXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 35.09 | No | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074113 | XXXX | N/A | No | No | $25,104.38 | $16,214.02 | 7.228% | XXXX | XXXX | 6.874% | No | No | Not Employed | Self-Employed | US Citizen | $24,066.17 | 1 | $6,728.40 | $908.04 | $560.70 | $75.67 | 32.217% | 32.217% | 32.217% | XXXX | 760 | No | Yes | 12 | Business | 100.000% | 50.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Yes | XXXX | $25,104.38 | 6.700% | $0.00 | 1.2 | None | N/A | No | 6.874% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | XXXX | 62.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 49.93 | No | No | $35,504.87 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000073796 | XXXX | Non QM | Yes | No | $27,265.00 | $36,366.00 | 7.733% | XXXX | XXXX | 7.500% | No | No | Self-Employed | US Citizen | $15,217.16 | 1 | $36,645.36 | $3,435.96 | $3,053.78 | $286.33 | 46.229% | 46.229% | 46.229% | XXXX | 754 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Other - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Other - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2022 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2022 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020 [Borrower - | Non-Primary Income - Interest / Dividends]; Other - 2023 [Borrower - | Non-Primary Income - Interest / Dividends]; Other - 2022 |
[Borrower]; Transcripts (1040) - No Results Returned - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1040 - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | Yes | XXXX | $27,265.00 | 6.700% | $0.00 | 4.9 | None | No | No | 7.500% | 2 | 2 | 0 | 3 | 0 | 3.00 | No | XXXX | XXXX | 3.000% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 72.18 | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000068434 | XXXX | N/A | No | No | XXXX | XXXX | 7.500% | No | No | US Citizen | 1 | $3,977.28 | $1,300.56 | $331.44 | $108.38 | 0.000% | 0.000% | 0.000% | XXXX | 729 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 3.1 | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.11 | 0.9 | XXXX | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 28.46 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000075451 | XXXX | Non QM | Yes | No | $7,045.00 | $10,230.25 | 7.919% | XXXX | XXXX | 7.750% | No | No | Employed | US Citizen | $6,582.06 | 1 | $4,208.04 | $773.40 | $350.67 | $64.45 | 45.150% | 45.150% | 45.150% | XXXX | 789 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXX | $7,045.00 | 6.880% | $100,000.00 | 1.0 | None | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXX | XXXX | 11.000% | No | 28 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 9.36 | Yes | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000075172 | XXXX | Non QM | Yes | No | $13,095.00 | $16,764.58 | 8.650% | XXXX | XXXX | 8.375% | No | No | Employed | Employed | Non-Permanent Resident Alien | US Citizen | XXXX | $5,743.58 | 1 | $12,438.48 | $4,506.00 | $1,036.54 | $375.50 | 49.365% | 49.365% | 49.365% | XXXX | 807 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXX | $13,095.00 | 6.880% | $2,500.00 | 1.0 | None | N/A | No | 8.375% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | XXXX | XXXX | 35.000% | No | 27 | 27 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Employment Authorization | 7.02 | No | $0.00 | $4,303.70 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074570 | XXXX | N/A | No | No | XXXX | XXXX | 9.375% | No | No | US Citizen | 1 | $5,844.00 | $3,391.92 | $487.00 | $282.66 | 0.000% | 0.000% | 0.000% | XXXX | 782 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 1.0 | N/A | No | 9.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.8 | 1.26 | XXXX | XXXX | 79.000% | No | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 62.92 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074996 | XXXX | Non QM | Yes | No | $5,005.00 | $5,581.83 | 7.971% | XXXX | XXXX | 7.750% | No | No | Employed | Permanent Resident Alien | $4,033.83 | 1 | $1,391.04 | $1,163.04 | $115.92 | $96.92 | 42.374% | 42.374% | 42.374% | XXXX | 788 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXX | $5,005.00 | 6.810% | $12,000.00 | 1.0 | None | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXX | XXXX | 100.000% | No | 27 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 286.51 | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000075395 | XXXX | N/A | No | No | XXXX | XXXX | 6.875% | No | No | 0 | US Citizen | US Citizen | 1 | $2,450.52 | $853.44 | $204.21 | $71.12 | 0.000% | 0.000% | 0.000% | XXXX | 761 | Level 2-Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | Yes | XXXX | $0.00 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.35 | 0.74 | XXXX | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 12.25 | Yes | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074816 | XXXX | N/A | No | No | $28,805.00 | $11,975.23 | 7.945% | XXXX | XXXX | 7.750% | No | No | Employed | Permanent Resident Alien | $15,764.01 | 1 | $9,999.96 | $1,296.96 | $833.33 | $108.08 | 31.320% | 31.320% | 31.320% | XXXX | 757 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXX | $28,805.00 | 6.810% | $0.00 | 1.4 | None | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXX | XXXX | 35.000% | No | 27 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 19.12 | Yes | Yes | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000073383 | XXXX | Non QM | Yes | No | $13,523.02 | $13,892.97 | 7.920% | XXXX | XXXX | 7.750% | No | No | Self-Employed | US Citizen | $19,698.39 | 1 | $8,418.60 | $6,263.16 | $701.55 | $521.93 | 39.522% | 39.522% | 39.522% | XXXX | 744 | No | Yes | 12 | Business | 92.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - Social Security]; Account Statements - 2025 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Yes | XXXX | $13,523.02 | 6.620% | $0.00 | 2.5 | None | No | No | 7.750% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | XXXX | XXXX | No | Yes | Preliminary | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | No | 49.12 | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000073977 | XXXX | N/A | No | No | XXXX | XXXX | 8.625% | No | No | US Citizen | US Citizen | 1 | $1,102.32 | $525.96 | $91.86 | $43.83 | 0.000% | 0.000% | 0.000% | XXXX | 792 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | Yes | No | 8.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.8 | 1.25 | XXXX | XXXX | 39.000% | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Risk Score Classic 04 | 22.64 | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074992 | XXXX | Non QM | Yes | No | $9,428.99 | $21,161.24 | 8.319% | XXXX | XXXX | 8.250% | No | No | Self-Employed | US Citizen | $64,602.59 | 1 | $38,944.32 | $4,107.36 | $3,245.36 | $342.28 | 21.249% | 21.249% | 21.249% | XXXX | 761 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $9,428.99 | 6.810% | $0.00 | None | N/A | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | XXXX | 15.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 9.28 | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000076065 | XXXX | N/A | No | No | $10,614.50 | $4,394.25 | 7.712% | XXXX | XXXX | 7.625% | No | No | Not Employed | Employed | US Citizen | $8,441.48 | 1 | $10,285.80 | $1,776.48 | $857.15 | $148.04 | 48.608% | 48.608% | 48.608% | XXXX | 810 | No | No | [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXX | $10,614.50 | 6.810% | $5,000.00 | 1.0 | None | Yes | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXX | XXXX | 66.000% | No | 28 | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 71.12 | No | No | $0.00 | $16,425.65 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000071594 | XXXX | Non QM | Yes | No | $23,314.30 | $7,441.02 | 7.871% | XXXX | XXXX | 7.750% | No | No | Self-Employed | US Citizen | $9,072.29 | 1 | $12,404.76 | $1,542.96 | $1,033.73 | $128.58 | 39.518% | 39.518% | 39.518% | XXXX | 787 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $23,314.30 | 6.660% | $0.00 | 1.7 | None | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | XXXX | 29.000% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 8.11 | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000071288 | XXXX | Non QM | Yes | No | $12,729.00 | $13,802.35 | 7.033% | XXXX | XXXX | 6.875% | No | No | Self-Employed | Not Employed | Permanent Resident Alien | Permanent Resident Alien | $120,947.22 | 1 | $17,259.96 | $6,323.04 | $1,438.33 | $526.92 | 7.841% | 7.841% | 7.841% | XXXX | 733 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2021 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $12,729.00 | 6.660% | $1,000.00 | 1.4 | None | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXX | XXXX | 1.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | Resident Alien Card | 8.46 | No | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074067 | XXXX | Non QM | Yes | No | $18,325.00 | $4,484.81 | 7.560% | XXXX | XXXX | 7.500% | No | No | Self-Employed | US Citizen | $8,713.70 | 1 | $10,875.00 | $1,541.04 | $906.25 | $128.42 | 43.927% | 43.927% | 43.927% | XXXX | 771 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $18,325.00 | 6.700% | $0.00 | 1.1 | None | No | No | 7.500% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | XXXX | XXXX | 21.000% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | 28.21 | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074557 | XXXX | N/A | No | No | XXXX | XXXX | 7.500% | No | No | US Citizen | 1 | $167.28 | $908.04 | $13.94 | $75.67 | 0.000% | 0.000% | 0.000% | XXXX | 747 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 1.0 | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.36 | 0.74 | XXXX | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 44.18 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000075393 | XXXX | N/A | No | No | XXXX | XXXX | 7.375% | No | No | US Citizen | 2 | $4,382.76 | $1,856.28 | $365.23 | $154.69 | 0.000% | 0.000% | 0.000% | XXXX | 784 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXX | $0.00 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.28 | 0.78 | XXXX | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 29.45 | Yes | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074959 | XXXX | Non QM | Yes | No | $23,251.25 | $31,684.84 | 8.778% | XXXX | XXXX | 8.834% | No | No | Self-Employed | US Citizen | $23,696.52 | 1 | $11,194.92 | $1,932.00 | $932.91 | $161.00 | 30.655% | 32.661% | 30.655% | XXXX | 709 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2025 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | Yes | XXXX | $23,251.25 | 6.810% | $0.00 | None | N/A | No | 8.834% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXX | XXXX | 41.000% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 7.44 | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000075083 | XXXX | N/A | No | No | XXXX | XXXX | 8.750% | No | No | US Citizen | 1 | $13,795.20 | $861.96 | $1,149.60 | $71.83 | 0.000% | 0.000% | 0.000% | XXXX | 758 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 1.0 | N/A | No | 8.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.61 | 1.63 | XXXX | XXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Yes | 144.67 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000069944 | XXXX | N/A | No | No | XXXX | XXXX | 9.250% | No | No | US Citizen | 1 | $1,177.80 | $2,909.04 | $98.15 | $242.42 | 0.000% | 0.000% | 0.000% | XXXX | 683 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 2.1 | N/A | No | 9.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.53 | 0.65 | XXXX | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 65.79 | Retail | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000071818 | XXXX | Non QM | Yes | No | $1,390.00 | $2,830.24 | 7.162% | XXXX | XXXX | 7.125% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $26,295.06 | 1 | $6,504.00 | $3,767.04 | $542.00 | $313.92 | 24.614% | 24.614% | 24.614% | XXXX | 776 | No | No | [Borrower - | Primary Income - S-Corp (>= 25%)]; Other - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Other - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Other - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 [Borrower - | Non-Primary Income - K-1 (< 25%)]; K-1 - 2023 [Coborrower(s) - | Primary Income - Wages]; Other - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; Tax Return Extension - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; Tax Return Extension - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | Yes | XXXX | $1,390.00 | 6.660% | $9,500.00 | 4.1 | LP / LPA | Accept/Eligible | No | No | 7.125% | 2 | 1 | 1 | 0 | 2 | 0 | No | XXXX | XXXX | 100.000% | No | 8 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 509.04 | No | No | $0.00 | $10,145.41 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074216 | XXXX | Non QM | Yes | No | $1,395.00 | $9,906.09 | 7.022% | XXXX | XXXX | 7.000% | No | No | Non-Employment Income | Not Employed | Permanent Resident Alien | Permanent Resident Alien | $15,394.86 | 1 | $13,323.36 | $1,731.96 | $1,110.28 | $144.33 | 0.000% | 0.000% | 0.000% | XXXX | 794 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | No | XXXX | $1,395.00 | 6.740% | $0.00 | None | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | XXXX | XXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | Resident Alien Card | 230.58 | Yes | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000072477 | XXXX | N/A | No | No | XXXX | XXXX | 7.750% | No | No | US Citizen | 2 | $5,447.76 | $1,303.56 | $453.98 | $108.63 | 0.000% | 0.000% | 0.000% | XXXX | 764 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | No | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.3 | 0.77 | XXXX | XXXX | 61.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 32.1 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000076088 | XXXX | N/A | No | No | XXXX | XXXX | 8.625% | No | No | US Citizen | 1 | $3,254.76 | $8,039.04 | $271.23 | $669.92 | 0.000% | 0.000% | 0.000% | XXXX | 777 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 1.4 | Yes | No | 8.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.34 | 0.75 | XXXX | XXXX | 29.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 6.04 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000072617 | XXXX | Non QM | Yes | No | $8,040.89 | $11,639.43 | 6.666% | XXXX | XXXX | 6.500% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $9,141.74 | 1 | $10,833.24 | $1,868.04 | $902.77 | $155.67 | 38.921% | 38.921% | 38.921% | XXXX | 810 | No | Yes | 12 | Personal | 61.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; Other - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $8,040.89 | 6.650% | $2,808.36 | 1.0 | None | No | No | 6.500% | 0 | 2 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXX | XXXX | 57.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | Yes | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 101.28 | No | $0.00 | $5,802.33 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074202 | XXXX | N/A | No | No | XXXX | XXXX | 7.750% | No | No | US Citizen | 1 | $6,794.76 | $3,206.04 | $566.23 | $267.17 | 0.000% | 0.000% | 0.000% | XXXX | 787 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 1.3 | Yes | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.81 | 1.24 | XXXX | XXXX | 27.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 8.1 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000073012 | XXXX | Non QM | Yes | No | $8,157.50 | $2,874.42 | 8.396% | XXXX | XXXX | 9.334% | No | No | Employed | US Citizen | $9,598.92 | 1 | $7,175.52 | $2,616.60 | $597.96 | $218.05 | 35.175% | 33.794% | 35.175% | XXXX | 787 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXX | $8,157.50 | 6.780% | $0.00 | 1.0 | None | N/A | No | 9.334% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXX | XXXX | No | 25 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 2.76 | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000072326 | XXXX | N/A | No | No | XXXX | XXXX | 7.500% | No | No | US Citizen | 1 | $1,597.20 | $1,035.96 | $133.10 | $86.33 | 0.000% | 0.000% | 0.000% | XXXX | 794 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 1.0 | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.38 | 0.72 | XXXX | XXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 113.78 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000075354 | XXXX | N/A | No | No | XXXX | XXXX | 7.750% | No | No | US Citizen | 1 | $992.40 | $2,199.96 | $82.70 | $183.33 | 0.000% | 0.000% | 0.000% | XXXX | 792 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXX | $0.00 | 3.6 | No | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.5 | 0.67 | XXXX | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 106.82 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000075630 | XXXX | N/A | No | No | XXXX | XXXX | 6.625% | No | No | Permanent Resident Alien | 1 | $3,886.08 | $2,393.04 | $323.84 | $199.42 | 0.000% | 0.000% | 0.000% | XXXX | 742 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXX | $0.00 | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.17 | 0.85 | XXXX | XXXX | 46.000% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 4.24 | Yes | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000073458 | XXXX | N/A | No | No | XXXX | XXXX | 7.750% | No | No | US Citizen | 1 | $7,668.96 | $17,636.40 | $639.08 | $1,469.70 | 0.000% | 0.000% | 0.000% | XXXX | 755 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXX | $0.00 | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.81 | 0.55 | XXXX | XXXX | 33.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 31.18 | Yes | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000072768 | XXXX | Non QM | Yes | No | $6,356.90 | $8,920.41 | 7.990% | XXXX | XXXX | 7.750% | No | No | Self-Employed | US Citizen | $7,037.15 | 1 | $3,556.32 | $1,464.48 | $296.36 | $122.04 | 45.151% | 45.151% | 45.151% | XXXX | 734 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $6,356.90 | 6.620% | $0.00 | 3.4 | None | No | No | 7.750% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXX | XXXX | No | Yes | Preliminary | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 15.29 | No | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000073725 | XXXX | Non QM | Yes | No | $8,614.00 | $6,350.89 | 7.544% | XXXX | XXXX | 7.250% | No | No | Not Employed | Self-Employed | US Citizen | US Citizen | $46,205.41 | 1 | $2,498.52 | $1,791.00 | $208.21 | $149.25 | 13.970% | 13.970% | 13.970% | XXXX | 705 | No | Yes | 12 | Business | 100.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $8,614.00 | 6.700% | $5,000.00 | 1.0 | None | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | XXXX | XXXX | 99.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | 109.92 | Yes | No | $53,708.19 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000076078 | XXXX | N/A | No | No | XXXX | XXXX | 8.250% | No | No | US Citizen | 1 | $2,318.16 | $2,082.00 | $193.18 | $173.50 | 0.000% | 0.000% | 0.000% | XXXX | 717 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXX | $0.00 | N/A | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.1 | 0.91 | XXXX | XXXX | 1.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 12.24 | Yes | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000075881 | XXXX | N/A | No | No | XXXX | XXXX | 7.750% | No | No | US Citizen | 1 | $4,528.08 | $1,727.04 | $377.34 | $143.92 | 0.000% | 0.000% | 0.000% | XXXX | 782 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXX | $0.00 | 4.5 | No | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.03 | 0.97 | XXXX | XXXX | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 4.74 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000073390 | XXXX | Non QM | Yes | No | $28,786.25 | $33,209.15 | 9.102% | XXXX | XXXX | 8.875% | No | No | Employed | Employed | US Citizen | US Citizen | $13,160.14 | 1 | $23,537.52 | $4,002.00 | $1,961.46 | $333.50 | 54.888% | 54.888% | 54.888% | XXXX | 770 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2022 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXX | $28,786.25 | 6.810% | $194,551.04 | 1.0 | None | Yes | No | 8.875% | 1 | 3 | 0 | 0 | 3 | 0 | 0.00 | No | XXXX | XXXX | 31.000% | No | 4 | 14 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | Yes | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 17.85 | No | $0.00 | $13,338.94 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000071872 | XXXX | N/A | No | No | XXXX | XXXX | 7.375% | No | No | US Citizen | 1 | $3,294.36 | $975.00 | $274.53 | $81.25 | 0.000% | 0.000% | 0.000% | XXXX | 710 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 1.1 | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | XXXX | XXXX | 47.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 12.26 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000073804 | XXXX | N/A | No | No | XXXX | XXXX | 9.250% | No | No | US Citizen | 1 | $12,492.36 | $1,955.76 | $1,041.03 | $162.98 | 0.000% | 0.000% | 0.000% | XXXX | 697 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 1.0 | Yes | No | 9.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.93 | 1.08 | XXXX | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 78.09 | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074955 | XXXX | Non QM | Yes | No | $16,195.00 | $21,150.28 | 7.694% | XXXX | XXXX | 7.375% | No | No | Self-Employed | US Citizen | $7,636.36 | 1 | $7,676.28 | $3,432.96 | $639.69 | $286.08 | 39.541% | 39.541% | 39.541% | XXXX | 752 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2025 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | Yes | XXXX | $16,195.00 | 6.810% | $0.00 | None | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXX | XXXX | 30.000% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 5.76 | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000073890 | XXXX | N/A | No | Yes | $0.00 | 7.121% | XXXX | XXXX | 7.125% | No | No | Self-Employed | US Citizen | $7,091.01 | 1 | $20,312.52 | $3,660.00 | $1,692.71 | $305.00 | 30.855% | 30.855% | 30.855% | XXXX | 783 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; Other - 2025 [Borrower - | Primary Income - Sole Proprietor]; Other - 2025 [Borrower - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXX | 6.700% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 7.125% | 0 | 1 | 0 | 3 | 1 | 0.00 | No | XXXX | XXXX | 96.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | 108.1 | No | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074176 | XXXX | Non QM | Yes | No | $795.00 | $3,194.52 | 9.716% | XXXX | XXXX | 9.625% | No | No | Employed | US Citizen | $8,250.54 | 1 | $6,316.20 | $665.04 | $526.35 | $55.42 | 49.784% | 49.784% | 49.784% | XXXX | 678 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - Sole Proprietor]; Other - 2025 [Borrower - | Non-Primary Income - Sole Proprietor]; Other - 2025 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2022 |
[Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1040 - 2022 [Borrower]; 4506-C - 2022 [Borrower]; Transcripts (1040) - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXX | $795.00 | 6.810% | $0.00 | 1.0 | None | Yes | No | 9.625% | 1 | 2 | 0 | 3 | 2 | 0.00 | No | XXXX | XXXX | No | 15 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 34.45 | No | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000075430 | XXXX | N/A | No | No | $7,534.75 | $3,327.37 | 9.033% | XXXX | XXXX | 8.875% | No | No | Self-Employed | US Citizen | $5,060.15 | 1 | $3,024.36 | $1,127.40 | $252.03 | $93.95 | 49.656% | 49.656% | 49.656% | XXXX | 667 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 | Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | Yes | XXXX | $7,534.75 | 6.880% | $41,500.00 | 1.8 | None | Yes | No | 8.875% | 0 | 0 | 0 | 1 | 0 | 12.00 | No | XXXX | XXXX | 57.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 46.33 | No | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074089 | XXXX | N/A | No | No | XXXX | XXXX | 8.625% | No | No | US Citizen | 1 | $8,943.96 | $911.04 | $745.33 | $75.92 | 0.000% | 0.000% | 0.000% | XXXX | 710 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 1.2 | Yes | No | 8.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.95 | 1.06 | XXXX | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 82.37 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000073902 | XXXX | N/A | No | No | XXXX | XXXX | 8.500% | No | No | US Citizen | 1 | $1,318.68 | $1,410.00 | $109.89 | $117.50 | 0.000% | 0.000% | 0.000% | XXXX | 781 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 2.2 | N/A | No | 8.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.17 | 0.86 | XXXX | XXXX | No | Yes | Short Form | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 98.76 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000075086 | XXXX | N/A | No | No | XXXX | XXXX | 8.875% | No | No | US Citizen | 1 | $999.48 | $642.96 | $83.29 | $53.58 | 0.000% | 0.000% | 0.000% | XXXX | 735 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 1.2 | Yes | No | 8.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.76 | 1.31 | XXXX | XXXX | 2.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 3.47 | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000075383 | XXXX | N/A | No | No | XXXX | XXXX | 7.500% | No | No | US Citizen | 1 | $6,249.96 | $2,247.96 | $520.83 | $187.33 | 0.000% | 0.000% | 0.000% | XXXX | 729 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXX | $0.00 | 1.8 | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.02 | 0.98 | XXXX | XXXX | 67.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 98.36 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000071964 | XXXX | Non QM | Yes | No | $2,337.00 | $3,399.95 | 8.410% | XXXX | XXXX | 8.375% | No | No | Self-Employed | US Citizen | $19,375.79 | 3 | $11,458.56 | $4,839.96 | $954.88 | $403.33 | 32.712% | 32.712% | 32.712% | XXXX | 704 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $2,337.00 | 6.660% | $0.00 | None | N/A | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | XXXX | 26.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 10.81 | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074991 | XXXX | Non QM | Yes | No | $31,195.00 | $31,769.05 | 7.966% | XXXX | XXXX | 7.750% | No | No | Not Employed | Self-Employed | US Citizen | US Citizen | $34,520.30 | 1 | $28,995.24 | $5,689.08 | $2,416.27 | $474.09 | 40.075% | 40.075% | 40.075% | XXXX | 766 | No | Yes | 24 | Business | 100.000% | 50.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Expense Letter - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Third Party Verification - 2025 |
[Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | No | XXXX | $31,195.00 | 6.810% | $0.00 | 2.2 | None | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 | 24 | 0.00 | Yes | XXXX | XXXX | 38.000% | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 21.18 | No | No | $57,605.50 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074234 | XXXX | N/A | No | Yes | $0.00 | 6.705% | XXXX | XXXX | 6.750% | No | No | Employed | US Citizen | $17,041.39 | 1 | $26,684.40 | $1,878.00 | $2,223.70 | $156.50 | 46.185% | 46.185% | 46.185% | XXXX | 812 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | XXXX | 6.810% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.750% | 1 | 1 | 0 | 1 | 0 | 0.00 | No | XXXX | XXXX | 67.000% | No | Yes | Preliminary | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 113.78 | No | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000073547 | XXXX | N/A | No | No | XXXX | XXXX | 9.000% | No | No | US Citizen | 1 | $10,817.16 | $2,068.32 | $901.43 | $172.36 | 0.000% | 0.000% | 0.000% | XXXX | 735 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 2.8 | No | No | 9.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.81 | 1.23 | XXXX | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 68.83 | Retail | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000075548 | XXXX | N/A | No | No | XXXX | XXXX | 6.875% | No | No | US Citizen | 1 | $11,097.72 | $1,497.96 | $924.81 | $124.83 | 0.000% | 0.000% | 0.000% | XXXX | 786 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXX | $0.00 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.97 | 1.03 | XXXX | XXXX | 14.000% | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 6.05 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074940 | XXXX | N/A | No | No | XXXX | XXXX | 7.875% | No | No | US Citizen | 1 | $8,250.00 | $2,795.16 | $687.50 | $232.93 | 0.000% | 0.000% | 0.000% | XXXX | 670 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 1.0 | Yes | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.93 | 1.08 | XXXX | XXXX | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 127.68 | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074597 | XXXX | N/A | No | No | XXXX | XXXX | 7.625% | No | No | 0 | 0 | Permanent Resident Alien | Permanent Resident Alien | Permanent Resident Alien | 1 | $2,701.20 | $1,161.00 | $225.10 | $96.75 | 0.000% | 0.000% | 0.000% | XXXX | 726 | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 1.0 | Yes | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.1 | 0.91 | XXXX | XXXX | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 108.68 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000075187 | XXXX | Non QM | Yes | No | $5,877.77 | $8,044.90 | 7.179% | XXXX | XXXX | 7.000% | No | No | Employed | Permanent Resident Alien | $3,057.23 | 1 | $3,009.72 | $2,898.00 | $250.81 | $241.50 | 49.046% | 49.046% | 49.046% | XXXX | 761 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXX | $5,877.77 | 6.880% | $8,000.00 | 1.1 | None | Yes | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXX | XXXX | 33.000% | No | 27 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Employment Authorization | 9.56 | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000075614 | XXXX | Non QM | Yes | No | $2,715.00 | $11,121.00 | 7.957% | XXXX | XXXX | 7.875% | No | No | Employed | Non-Permanent Resident Alien | XXXX | $10,810.36 | 1 | $12,150.00 | $468.00 | $1,012.50 | $39.00 | 38.227% | 38.227% | 38.227% | XXXX | 730 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXX | $2,715.00 | 6.700% | $500.00 | None | Yes | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXX | XXXX | 29.000% | No | 26 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Employment Authorization | 8 | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000073744 | XXXX | Non QM | Yes | No | $4,698.55 | $6,541.59 | 8.131% | XXXX | XXXX | 7.875% | No | No | Self-Employed | US Citizen | $3,652.01 | 1 | $3,492.96 | $1,106.04 | $291.08 | $92.17 | 44.466% | 44.466% | 44.466% | XXXX | 790 | No | Yes | 12 | Personal | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $4,698.55 | 6.700% | $0.00 | 1.0 | None | N/A | No | 7.875% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXX | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 4.37 | No | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074488 | XXXX | N/A | No | No | $57,261.62 | $27,726.14 | 7.449% | XXXX | XXXX | 7.249% | No | No | Not Employed | Self-Employed | US Citizen | $52,530.22 | 1 | $13,855.92 | $3,660.00 | $1,154.66 | $305.00 | 43.461% | 41.368% | 43.461% | XXXX | 760 | No | Yes | 24 | Business | 100.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Other - 2025 |
Alternative Documentation (A) | 2yr P&L w/o Bank Statements | 0 | 0 | 0 | Yes | XXXX | $57,261.62 | 6.810% | $0.00 | 3.6 | None | No | No | 7.249% | 0 | 0 | 0 | 0 | 0 | 0 | 24 | 0.00 | No | 240 | XXXX | XXXX | 46.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 61.96 | No | No | $92,909.05 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074727 | XXXX | Non QM | Yes | No | $12,513.70 | $0.00 | 7.250% | XXXX | XXXX | 7.250% | No | No | Employed | Permanent Resident Alien | $9,537.65 | 1 | $8,563.56 | $993.96 | $713.63 | $82.83 | 34.361% | 34.361% | 34.361% | XXXX | 745 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXX | $12,513.70 | 6.810% | $25,000.00 | 1.0 | None | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXX | XXXX | 24.000% | No | 24 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 3.65 | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074374 | XXXX | Non QM | Yes | No | $4,465.00 | $9,498.23 | 8.140% | XXXX | XXXX | 8.125% | No | No | Self-Employed | US Citizen | $16,304.34 | 1 | $21,000.00 | $6,096.00 | $1,750.00 | $508.00 | 44.988% | 44.988% | 44.988% | XXXX | 744 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2025 |
Alternative Documentation (A) | 2yr P&L w/o Bank Statements | 0 | 0 | 0 | No | XXXX | $4,465.00 | 6.810% | $15,000.00 | None | Yes | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 24.00 | No | XXXX | XXXX | 7.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 4.96 | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000072725 | XXXX | Non QM | Yes | No | $15,884.60 | $0.00 | 7.244% | XXXX | XXXX | 7.250% | No | No | Self-Employed | US Citizen | $12,983.69 | 1 | $8,437.56 | $1,025.04 | $703.13 | $85.42 | 26.237% | 26.237% | 26.237% | XXXX | 793 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $15,884.60 | 6.650% | $9,958.18 | 1.0 | None | Yes | No | 7.250% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | XXXX | XXXX | 16.000% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | 15.66 | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000070011 | XXXX | Non QM | Yes | No | $1,490.00 | $2,218.88 | 7.018% | XXXX | XXXX | 7.000% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $5,984.18 | 1 | $16,154.28 | $3,957.00 | $1,346.19 | $329.75 | 0.000% | 0.000% | 0.000% | XXXX | 794 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Other Documentation (O) | Asset Depletion (Residual Income) | 0 | 0 | 0 | No | XXXX | $1,490.00 | 6.620% | $0.00 | 3.9 | None | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | XXXX | XXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 389.75 | No | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000073453 | XXXX | Non QM | Yes | No | $27,112.93 | $10,334.44 | 7.333% | XXXX | XXXX | 7.250% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $18,354.15 | 1 | $19,137.48 | $8,412.00 | $1,594.79 | $701.00 | 40.621% | 40.621% | 40.621% | XXXX | 805 | No | Yes | 12 | Business | 100.000% | 80.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 80.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 80.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 80.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 80.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $27,112.93 | 6.620% | $0.00 | 1.0 | None | No | No | 7.250% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | XXXX | XXXX | 37.000% | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | 20.1 | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000076531 | XXXX | Non QM | Yes | No | $12,333.40 | $5,643.35 | 8.062% | XXXX | XXXX | 7.875% | No | No | Self-Employed | US Citizen | $8,679.19 | 1 | $3,570.36 | $3,210.48 | $297.53 | $267.54 | 33.845% | 33.845% | 33.845% | XXXX | 791 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $12,333.40 | 6.810% | $0.00 | 1.0 | None | N/A | No | 7.875% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXX | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 9.22 | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000071173 | XXXX | Non QM | Yes | No | $7,875.00 | ($283.15) | 7.001% | XXXX | XXXX | 7.000% | No | No | Self-Employed | US Citizen | $27,359.05 | 1 | $4,866.84 | $2,408.04 | $405.57 | $200.67 | 13.798% | 13.798% | 13.798% | XXXX | 700 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 80.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 80.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 80.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 80.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 80.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 80.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 1991 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $7,875.00 | 6.650% | $0.00 | 1.0 | None | Yes | No | 7.000% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | XXXX | XXXX | No | Yes | Short Form | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | No | 63.56 | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000071318 | XXXX | Non QM | Yes | No | $1,960.00 | $0.00 | 6.875% | XXXX | XXXX | 6.875% | No | No | Self-Employed | US Citizen | $4,609.79 | 1 | $1,502.40 | $2,055.96 | $125.20 | $171.33 | 49.760% | 49.760% | 49.760% | XXXX | 757 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2012 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $1,960.00 | 6.810% | $55,000.00 | 2.6 | None | Yes | No | 6.875% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | XXXX | XXXX | 13.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | 10.17 | No | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000072927 | XXXX | N/A | No | No | XXXX | XXXX | 7.500% | No | No | US Citizen | 1 | $16,187.52 | $494.16 | $1,348.96 | $41.18 | 0.000% | 0.000% | 0.000% | XXXX | 786 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 2.4 | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.82 | 1.21 | 240 | XXXX | XXXX | 82.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 55.5 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000072903 | XXXX | Non QM | Yes | No | $8,505.00 | $382.75 | 7.753% | XXXX | XXXX | 7.750% | No | No | Self-Employed | Non-Permanent Resident Alien | XXXX | $19,570.06 | 1 | $8,357.04 | $2,382.84 | $696.42 | $198.57 | 31.813% | 31.813% | 31.813% | XXXX | 724 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2023 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $8,505.00 | 6.650% | $0.00 | 1.0 | None | Yes | No | 7.750% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | XXXX | XXXX | 23.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Passport | 9 | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000072228 | XXXX | N/A | No | Yes | $0.00 | 6.707% | XXXX | XXXX | 6.750% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $7,531.15 | 1 | $9,136.32 | $1,905.96 | $761.36 | $158.83 | 48.316% | 48.316% | 48.316% | XXXX | 733 | No | No | Borrower Prepared | [Borrower - | Primary Income - S-Corp (>= 25%)]; Paystubs - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2022 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2022 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; Tax Return Extension - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1040 - 2022 [Borrower]; 4506-C - 2022 [Borrower]; Transcripts (1040) - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; Tax Return Extension - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1040 - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; Transcripts (1040) - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXX | 6.650% | $0.00 | 2.2 | DU | ApproveEligible | No | No | 6.750% | 2 | 2 | 2 | 0 | 3 | 2 | 12.00 | No | XXXX | XXXX | 94.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 91.88 | No | No | $0.00 | $8,910.76 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000071638 | XXXX | Non QM | Yes | No | $0.00 | $4,945.85 | 7.009% | XXXX | XXXX | 7.000% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $19,331.58 | 1 | $6,926.52 | $2,787.96 | $577.21 | $232.33 | 38.798% | 35.295% | 38.798% | XXXX | 748 | No | No | [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2022 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2022 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2022 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Non-Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Non-Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Non-Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Non-Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1040 - 2022 [Borrower]; 4506-C - 2022 [Borrower]; Transcripts (1040) - 2022 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1040 - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; Transcripts (1040) - 2022 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXX | 6.660% | $0.00 | 2.6 | None | No | No | 7.000% | 3 | 2 | 2 | 0 | 2 | 2 | No | 360 | XXXX | XXXX | 42.000% | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | 92 | Yes | No | $0.00 | $6,749.87 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000069198 | XXXX | N/A | No | No | XXXX | XXXX | 7.625% | No | No | US Citizen | 1 | $4,780.44 | $1,574.40 | $398.37 | $131.20 | 0.000% | 0.000% | 0.000% | XXXX | 729 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 4.6 | No | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.09 | 0.92 | XXXX | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 21.24 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074365 | XXXX | Non QM | Yes | No | $21,750.00 | $241.11 | 7.750% | XXXX | XXXX | 7.750% | No | No | Employed | Not Employed | US Citizen | US Citizen | $13,833.96 | 1 | $10,683.72 | $4,815.96 | $890.31 | $401.33 | 43.056% | 39.802% | 43.056% | XXXX | 794 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; Transcripts (1040) - 2022 [Borrower]; 4506-C - 2021 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; Transcripts (1040) - 2022 [Coborrower]; 4506-C - 2021 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXX | $21,750.00 | 6.810% | $5,495.00 | 1.0 | None | Yes | No | 7.750% | 2 | 0 | 0 | 0 | 3 | 2 | 0.00 | No | 360 | XXXX | XXXX | 100.000% | No | 27 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | 188.56 | Yes | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000070226 | XXXX | Non QM | Yes | No | $23,405.00 | $15,240.54 | 6.559% | XXXX | XXXX | 6.500% | No | Yes | Employed | Employed | Not Employed | 0 | US Citizen | US Citizen | US Citizen | $19,082.73 | 1 | $21,062.52 | $2,246.04 | $1,755.21 | $187.17 | 46.216% | 42.781% | 46.216% | XXXX | 785 | 789 | 812 | 792 | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Non-Primary Income - Social Security]; 1099-SSA - 2024 [Coborrower(s) - | Non-Primary Income - Annuity]; Award Letter / Continuance Letter - 2025 |
[Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1040 - 2022 [Borrower]; 4506-C - 2022 [Borrower]; Transcripts (1040) - 2022 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1040 - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; Transcripts (1040) - 2022 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | No | XXXX | $23,405.00 | 6.620% | $18,400.00 | 1.0 | None | Yes | No | 6.500% | 2 | 1 | 2 | 0 | 2 | 2 | 0.00 | No | 360 | XXXX | XXXX | 30.000% | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | 23.53 | No | No | $6,174.65 | $8,612.26 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000072142 | XXXX | Non QM | Yes | No | $11,439.00 | $10,405.39 | 7.055% | XXXX | XXXX | 7.000% | No | No | Employed | US Citizen | $24,409.32 | 1 | $24,125.04 | $2,745.96 | $2,010.42 | $228.83 | 41.419% | 39.365% | 41.419% | XXXX | 796 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; Transcripts (1040) - 2022 [Borrower]; 4506-C - 2021 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXX | $11,439.00 | 6.650% | $0.00 | 1.6 | None | N/A | No | 7.000% | 1 | 0 | 0 | 3 | 2 | 0.00 | No | 360 | XXXX | XXXX | 41.000% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | 52.85 | No | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000070730 | XXXX | Non QM | Yes | No | $26,181.46 | $13,350.44 | 7.038% | XXXX | XXXX | 7.000% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $65,000.47 | 1 | $24,150.00 | $3,918.60 | $2,012.50 | $326.55 | 22.453% | 20.941% | 22.453% | XXXX | 806 | No | No | [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2023 |
[Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; Transcripts (1040) - 2022 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; Transcripts (1040) - 2022 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXX | $26,181.46 | 6.650% | $0.00 | 2.6 | None | Yes | No | 7.000% | 2 | 2 | 1 | 0 | 2 | 2 | No | 360 | XXXX | XXXX | 16.000% | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | 20.23 | No | No | $57,284.31 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074223 | XXXX | N/A | No | No | XXXX | XXXX | 8.125% | No | No | 0 | US Citizen | US Citizen | 1 | $1,120.68 | $1,590.96 | $93.39 | $132.58 | 0.000% | 0.000% | 0.000% | XXXX | 720 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 1.0 | No | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.82 | 1.22 | XXXX | XXXX | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 446.11 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000076275 | XXXX | N/A | No | No | $31,454.00 | $14,426.47 | 8.208% | XXXX | XXXX | 7.875% | No | No | Not Employed | Self-Employed | US Citizen | $65,339.55 | 1 | $4,390.44 | $1,416.96 | $365.87 | $118.08 | 7.978% | 7.978% | 7.978% | XXXX | 723 | No | Yes | 12 | Business | 100.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 21.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 21.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 21.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 21.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 21.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2024 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $31,454.00 | 6.930% | $0.00 | 4.3 | None | Yes | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 75.17 | Retail | No | No | $71,004.35 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000075405 | XXXX | N/A | No | No | XXXX | XXXX | 7.750% | No | No | US Citizen | 1 | $2,764.44 | $795.00 | $230.37 | $66.25 | 0.000% | 0.000% | 0.000% | XXXX | 812 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 1.3 | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.09 | 0.92 | XXXX | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 94.37 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074836 | XXXX | N/A | No | No | XXXX | XXXX | 6.875% | No | No | 0 | US Citizen | US Citizen | 1 | $6,257.76 | $1,864.92 | $521.48 | $155.41 | 0.000% | 0.000% | 0.000% | XXXX | 756 | Level 2-Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | Yes | XXXX | $0.00 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.87 | 1.15 | XXXX | XXXX | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 164.62 | Yes | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000073834 | XXXX | N/A | No | No | XXXX | XXXX | 7.500% | No | No | US Citizen | 1 | $948.24 | $792.00 | $79.02 | $66.00 | 0.000% | 0.000% | 0.000% | XXXX | 808 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 1.0 | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.48 | 0.68 | XXXX | XXXX | 100.000% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 722.54 | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000075176 | XXXX | Non QM | Yes | No | $3,958.75 | $7,532.68 | 8.186% | XXXX | XXXX | 7.750% | No | No | Self-Employed | US Citizen | $4,141.51 | 1 | $999.96 | $1,942.68 | $83.33 | $161.89 | 46.171% | 46.171% | 46.171% | XXXX | 746 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2017 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $3,958.75 | 6.650% | $0.00 | 1.1 | None | Yes | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 24.94 | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000071629 | XXXX | N/A | No | No | XXXX | XXXX | 6.875% | No | No | US Citizen | 1 | $12,958.20 | $6,638.88 | $1,079.85 | $553.24 | 0.000% | 0.000% | 0.000% | XXXX | 761 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 1.0 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.38 | 0.73 | XXXX | XXXX | 58.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 49.01 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000075893 | XXXX | N/A | No | No | XXXX | XXXX | 8.000% | No | No | US Citizen | 2 | $1,770.12 | $2,058.96 | $147.51 | $171.58 | 0.000% | 0.000% | 0.000% | XXXX | 792 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXX | $0.00 | N/A | No | 8.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.75 | 1.33 | XXXX | XXXX | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 10.84 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000073483 | XXXX | Higher Priced QM (APOR) | Yes | Yes | $1,790.00 | $3,804.72 | 8.183% | XXXX | XXXX | 8.125% | No | No | Employed | US Citizen | $6,625.07 | 1 | $4,132.08 | $5,388.00 | $344.34 | $449.00 | 31.946% | 31.946% | 31.946% | XXXX | 798 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2025 [Borrower - | Non-Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Non-Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXX | $1,790.00 | 6.620% | $15,000.00 | 1.0 | LP / LPA | Accept/Eligible | Yes | No | 8.125% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | No | XXXX | XXXX | 31.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 12.21 | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000075268 | XXXX | Non QM | Yes | No | $2,040.00 | $13,949.08 | 7.767% | XXXX | XXXX | 7.750% | No | No | Self-Employed | US Citizen | $85,301.81 | 1 | $23,191.32 | $1,455.00 | $1,932.61 | $121.25 | 23.609% | 23.609% | 23.609% | XXXX | 752 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $2,040.00 | 6.880% | $0.00 | 1.3 | None | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | XXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 82.23 | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000072526 | XXXX | N/A | No | No | XXXX | XXXX | 7.750% | No | No | US Citizen | 1 | $3,446.88 | $1,614.00 | $287.24 | $134.50 | 0.000% | 0.000% | 0.000% | XXXX | 767 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 2.0 | No | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | XXXX | XXXX | 28.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 10 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074395 | XXXX | Non QM | Yes | No | $9,728.00 | $13,145.00 | 7.360% | XXXX | XXXX | 7.125% | No | No | Employed | Permanent Resident Alien | $4,284.10 | 1 | $5,205.72 | $1,857.96 | $433.81 | $154.83 | 46.799% | 46.799% | 46.799% | XXXX | 762 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXX | $9,728.00 | 6.810% | $0.00 | 1.0 | None | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXX | XXXX | 29.000% | No | 25 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 6.48 | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000075221 | XXXX | N/A | No | No | XXXX | XXXX | 7.375% | No | No | US Citizen | 1 | $6,929.28 | $1,470.00 | $577.44 | $122.50 | 0.000% | 0.000% | 0.000% | XXXX | 748 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 1.0 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.77 | 1.3 | XXXX | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 4.44 | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000072849 | XXXX | N/A | No | No | XXXX | XXXX | 8.250% | No | No | US Citizen | 1 | $9,859.68 | $1,226.76 | $821.64 | $102.23 | 0.000% | 0.000% | 0.000% | XXXX | 776 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 4.6 | No | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.17 | 0.86 | 240 | XXXX | XXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 44.24 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074844 | XXXX | N/A | No | No | XXXX | XXXX | 7.875% | No | No | US Citizen | 1 | $4,651.68 | $402.96 | $387.64 | $33.58 | 0.000% | 0.000% | 0.000% | XXXX | 760 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 1.0 | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.79 | 1.26 | XXXX | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 100.19 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000076460 | XXXX | Non QM | Yes | No | $7,152.50 | $9,304.71 | 9.345% | XXXX | XXXX | 9.823% | No | No | Employed | Permanent Resident Alien | $5,243.39 | 1 | $5,783.04 | $351.00 | $481.92 | $29.25 | 38.313% | 52.807% | 38.313% | XXXX | 757 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2024 [Borrower - | Primary Income - Wages]; WVOE - 2024 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXX | $7,152.50 | 7.830% | $0.00 | None | N/A | No | 9.823% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXX | XXXX | 45.000% | No | 27 | Yes | Final | Fee Simple | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 4.78 | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000075380 | XXXX | N/A | No | No | XXXX | XXXX | 7.500% | No | No | US Citizen | 1 | $3,459.60 | $4,052.04 | $288.30 | $337.67 | 0.000% | 0.000% | 0.000% | XXXX | 752 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXX | $0.00 | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.87 | 1.16 | XXXX | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 40.87 | Yes | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000076441 | XXXX | N/A | No | No | $35,326.25 | $24,563.89 | 9.467% | XXXX | XXXX | 7.000% | No | No | Self-Employed | US Citizen | $13,767.71 | 1 | $6,856.80 | $1,241.04 | $571.40 | $103.42 | 19.014% | 39.750% | 24.831% | XXXX | 747 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2024 [Borrower - | Primary Income - P&L Statement Only]; Other - 2024 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2024 [Borrower - | Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2024 |
Alternative Documentation (A) | 1yr P&L w/o Bank Statements | 0 | 0 | 0 | Yes | XXXX | $35,326.25 | 7.830% | $0.00 | None | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXX | XXXX | 43.000% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 3.45 | No | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000076444 | XXXX | Non QM | Yes | No | $8,615.00 | $13,658.44 | 9.114% | XXXX | XXXX | 9.821% | No | No | Self-Employed | US Citizen | $7,349.70 | 1 | $10,399.20 | $744.00 | $866.60 | $62.00 | 51.143% | 74.428% | 51.143% | XXXX | 719 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2024 [Borrower - | Primary Income - P&L Statement Only]; Other - 2024 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2024 [Borrower - | Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2024 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2024 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | Yes | XXXX | $8,615.00 | 7.790% | $0.00 | None | N/A | No | 9.821% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXX | XXXX | 50.000% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 8.3 | No | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000076459 | XXXX | Non QM | Yes | No | $5,361.00 | $7,714.07 | 9.206% | XXXX | XXXX | 9.836% | No | No | Employed | US Citizen | $4,618.54 | 1 | $4,497.48 | $1,058.04 | $374.79 | $88.17 | 45.664% | 68.204% | 45.664% | XXXX | 812 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2024 [Borrower - | Primary Income - Wages]; WVOE - 2024 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | Yes | XXXX | $5,361.00 | 7.840% | $0.00 | None | N/A | No | 9.836% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXX | XXXX | 37.000% | No | 31 | Yes | Final | Fee Simple | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 3.54 | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000076452 | XXXX | Non QM | Yes | No | $5,495.00 | $7,718.15 | 9.209% | XXXX | XXXX | 9.838% | No | No | Self-Employed | Permanent Resident Alien | $13,876.70 | 1 | $5,691.84 | $1,047.00 | $474.32 | $87.25 | 22.256% | 33.369% | 22.256% | XXXX | 723 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2024 [Borrower - | Primary Income - P&L Statement Only]; Other - 2024 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2024 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2024 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXX | $5,495.00 | 7.840% | $0.00 | None | N/A | No | 9.838% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXX | XXXX | 41.000% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 3.04 | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000073459 | XXXX | N/A | No | No | XXXX | XXXX | 7.875% | No | No | US Citizen | 1 | $1,274.28 | $990.00 | $106.19 | $82.50 | 0.000% | 0.000% | 0.000% | XXXX | 776 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXX | $0.00 | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.37 | 0.73 | XXXX | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 109.75 | Yes | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000076438 | XXXX | Non QM | Yes | No | $20,990.00 | $27,090.74 | 9.146% | XXXX | XXXX | 9.823% | No | No | Employed | Employed | Employed | 3.67 | Permanent Resident Alien | Permanent Resident Alien | US Citizen | $11,920.58 | 2 | $16,049.52 | $1,491.96 | $1,337.46 | $124.33 | 51.933% | 77.938% | 51.933% | XXXX | 798 | 754 | 766 | 746 | Level 3-Stated/Partially Verified | Level 5-Stated/Verified as defined | Level 3-Stated/Verified as defined | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2024 [Borrower - | Primary Income - Wages]; WVOE - 2024 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2024 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2024 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2024 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2024 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXX | $20,990.00 | 6.950% | $0.00 | None | N/A | No | 9.823% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXX | XXXX | 43.000% | No | 27 | 27 | 27 | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | Resident Alien Card | 4.67 | No | $0.00 | $13,750.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000075917 | XXXX | Non QM | Yes | No | $7,091.56 | $929.50 | 7.709% | XXXX | XXXX | 7.750% | No | No | Employed | US Citizen | $12,053.64 | 1 | $8,812.56 | $1,283.40 | $734.38 | $106.95 | 28.887% | 28.887% | 28.887% | XXXX | 711 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXX | $7,091.56 | 6.810% | $15,000.00 | 1.0 | None | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXX | XXXX | 27.000% | No | 27 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 3.25 | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074978 | XXXX | Non QM | Yes | No | $2,640.00 | $5,672.43 | 7.361% | XXXX | XXXX | 7.250% | No | No | Employed | US Citizen | $4,846.83 | 1 | $5,288.76 | $1,584.72 | $440.73 | $132.06 | 44.659% | 44.659% | 44.659% | XXXX | 812 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXX | $2,640.00 | 6.810% | $2,000.00 | None | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXX | XXXX | 2.000% | No | 27 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 17.43 | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000076457 | XXXX | Non QM | Yes | No | $5,745.00 | $8,782.28 | 9.205% | XXXX | XXXX | 9.853% | No | No | Employed | Permanent Resident Alien | $7,113.48 | 1 | $6,284.76 | $1,487.04 | $523.73 | $123.92 | 38.144% | 56.459% | 38.144% | XXXX | 733 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2024 [Borrower - | Primary Income - Wages]; WVOE - 2024 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | Yes | XXXX | $5,745.00 | 7.940% | $1,000.00 | None | N/A | No | 9.853% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXX | XXXX | 38.000% | No | 30 | Yes | Final | Fee Simple | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 4.86 | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000073461 | XXXX | N/A | No | No | XXXX | XXXX | 7.875% | No | No | US Citizen | 1 | $565.80 | $990.00 | $47.15 | $82.50 | 0.000% | 0.000% | 0.000% | XXXX | 776 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXX | $0.00 | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.48 | 0.68 | XXXX | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 114.49 | Yes | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000075262 | XXXX | Non QM | Yes | No | $8,570.00 | $14,360.50 | 7.433% | XXXX | XXXX | 7.250% | No | No | Self-Employed | US Citizen | $10,255.67 | 1 | $10,500.00 | $636.96 | $875.00 | $53.08 | 35.615% | 35.615% | 35.615% | XXXX | 801 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 |
Alternative Documentation (A) | 2yr P&L w/o Bank Statements | 0 | 0 | 0 | No | XXXX | $8,570.00 | 6.880% | $5,000.00 | 1.0 | None | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 24.00 | No | XXXX | XXXX | 24.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 3.68 | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074114 | XXXX | N/A | No | No | XXXX | XXXX | 7.625% | No | No | US Citizen | US Citizen | 1 | $2,656.92 | $822.96 | $221.41 | $68.58 | 0.000% | 0.000% | 0.000% | XXXX | 785 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 1.0 | Yes | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.24 | 0.81 | XXXX | XXXX | No | Yes | Preliminary | Fee Simple | Individual | Trustee | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 127.3 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000073917 | XXXX | Non QM | Yes | No | $10,303.60 | $13,386.98 | 7.262% | XXXX | XXXX | 7.000% | No | No | Self-Employed | US Citizen | $23,066.82 | 1 | $8,808.36 | $1,407.00 | $734.03 | $117.25 | 18.966% | 18.966% | 18.966% | XXXX | 756 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $10,303.60 | 6.700% | $0.00 | 1.0 | None | N/A | No | 7.000% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXX | XXXX | 32.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 14.35 | Yes | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074547 | XXXX | N/A | No | No | XXXX | XXXX | 7.250% | No | No | US Citizen | 1 | $6,493.20 | $2,330.88 | $541.10 | $194.24 | 0.000% | 0.000% | 0.000% | XXXX | 763 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 1.0 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | XXXX | XXXX | 47.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 17.21 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000073985 | XXXX | Non QM | Yes | No | $7,547.28 | $16,827.16 | 7.632% | XXXX | XXXX | 7.500% | No | No | Employed | Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | XXXX | XXXX | $24,324.67 | 1 | $15,375.00 | $2,313.96 | $1,281.25 | $192.83 | 25.155% | 25.155% | 25.155% | XXXX | 746 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2025 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXX | $7,547.28 | 6.700% | $5,000.00 | 1.0 | None | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXX | XXXX | 30.000% | No | 27 | 37 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Employment Authorization | Employment Authorization | 3.2 | No | $0.00 | $17,000.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000073463 | XXXX | N/A | No | No | XXXX | XXXX | 7.875% | No | No | US Citizen | 1 | $1,376.40 | $813.00 | $114.70 | $67.75 | 0.000% | 0.000% | 0.000% | XXXX | 776 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXX | $0.00 | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.14 | 0.88 | XXXX | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 73.76 | Yes | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000073475 | XXXX | N/A | No | No | XXXX | XXXX | 7.875% | No | No | US Citizen | 1 | $9,249.96 | $2,430.00 | $770.83 | $202.50 | 0.000% | 0.000% | 0.000% | XXXX | 693 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 999.0 | No | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.22 | 0.82 | XXXX | XXXX | 71.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 38.79 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074876 | XXXX | N/A | No | No | XXXX | XXXX | 8.000% | No | No | 0 | 0 | US Citizen | US Citizen | US Citizen | 2 | $5,801.64 | $1,770.96 | $483.47 | $147.58 | 0.000% | 0.000% | 0.000% | XXXX | 701 | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | N/A | No | 8.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.13 | 0.89 | XXXX | XXXX | 52.000% | No | Yes | Short Form | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 28.95 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000064056 | XXXX | N/A | No | No | XXXX | XXXX | 8.500% | No | No | US Citizen | 3 | $12,373.44 | $2,871.00 | $1,031.12 | $239.25 | 0.000% | 0.000% | 0.000% | XXXX | 754 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXX | $0.00 | N/A | No | 8.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.04 | 0.96 | XXXX | XXXX | 16.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 10.41 | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074103 | XXXX | Non QM | Yes | No | $1,985.00 | $6,347.20 | 7.797% | XXXX | XXXX | 7.750% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $14,942.60 | 1 | $8,474.04 | $2,363.04 | $706.17 | $196.92 | 40.230% | 40.230% | 40.230% | XXXX | 777 | No | No | [Borrower - | Primary Income - IRA Distribution]; Account Statements - 2025 [Borrower - | Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | No | XXXX | $1,985.00 | 6.700% | $0.00 | 2.1 | None | No | No | 7.750% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | XXXX | XXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 785.99 | Yes | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074889 | XXXX | Non QM | Yes | No | $2,590.00 | $12,506.16 | 7.409% | XXXX | XXXX | 7.375% | No | No | Employed | Employed | US Citizen | US Citizen | $13,560.65 | 1 | $25,028.16 | $1,424.04 | $2,085.68 | $118.67 | 48.931% | 48.931% | 48.931% | XXXX | 786 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Borrower - | Primary Income - Wages]; W-2 - 2022 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2022 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXX | $2,590.00 | 6.810% | $0.00 | 4.3 | None | No | No | 7.375% | 3 | 3 | 0 | 0 | 2 | 0 | 0.00 | No | XXXX | XXXX | 15.000% | No | 27 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 21.97 | Yes | No | $0.00 | $11,796.08 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000075015 | XXXX | N/A | No | No | XXXX | XXXX | 7.875% | No | No | US Citizen | 2 | $7,596.60 | $2,955.96 | $633.05 | $246.33 | 0.000% | 0.000% | 0.000% | XXXX | 685 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | No | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.21 | 0.45 | XXXX | XXXX | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 74.21 | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074974 | XXXX | N/A | No | Yes | $0.00 | 7.202% | XXXX | XXXX | 7.250% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $13,873.20 | 1 | $1,804.08 | $1,685.16 | $150.34 | $140.43 | 38.579% | 38.579% | 38.579% | XXXX | 812 | No | No | [Borrower - | Non-Primary Income - Social Security]; 1099-SSA - 2024 [Borrower - | Primary Income - Pension]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Pension]; 1099-R - 2024 [Coborrower(s) - | Non-Primary Income - Annuity]; 1099 - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | No | XXXX | 6.810% | $0.00 | 1.0 | DU | ApproveEligible | No | No | 7.250% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | XXXX | XXXX | No | Yes | Commitment | Fee Simple | Individual | Trustee | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 135.13 | No | No | $7,655.45 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000072857 | XXXX | Safe Harbor QM (APOR) | Yes | Yes | $6,285.00 | $7,485.61 | 7.515% | XXXX | XXXX | 7.375% | No | No | Employed | Self-Employed | US Citizen | US Citizen | $10,224.04 | 1 | $4,032.00 | $3,208.56 | $336.00 | $267.38 | 40.788% | 40.788% | 40.788% | XXXX | 799 | No | No | [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; Other - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; P&L Statement - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2022 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - No Results Returned - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1040 - 2022 [Borrower]; 4506-C - 2022 [Borrower]; Transcripts (1040) - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - No Results Returned - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1040 - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; Transcripts (1040) - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXX | $6,285.00 | 6.650% | $0.00 | 2.3 | DU | ApproveEligible | No | No | 7.375% | 0 | 0 | 3 | 0 | 3 | 2 | 0.00 | No | Not Stated | XXXX | XXXX | 25.000% | No | 27 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 4.31 | No | No | $3,670.25 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074998 | XXXX | N/A | No | No | XXXX | XXXX | 8.125% | No | No | US Citizen | 2 | $10,380.60 | $5,785.68 | $865.05 | $482.14 | 0.000% | 0.000% | 0.000% | XXXX | 732 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXX | $0.00 | N/A | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.5 | 0.67 | 360 | XXXX | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 96 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000076575 | XXXX | N/A | No | No | XXXX | XXXX | 7.125% | No | No | US Citizen | 1 | $8,232.84 | $1,280.04 | $686.07 | $106.67 | 0.000% | 0.000% | 0.000% | XXXX | 793 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 1.0 | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.91 | 1.1 | XXXX | XXXX | 66.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 59.92 | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000075613 | XXXX | N/A | No | Yes | $0.00 | 6.583% | XXXX | XXXX | 6.625% | No | No | Employed | US Citizen | $12,720.84 | 1 | $6,087.48 | $1,022.16 | $507.29 | $85.18 | 44.412% | 44.412% | 44.412% | XXXX | 809 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | XXXX | 6.880% | $0.00 | DU | Yes | ApproveEligible | N/A | No | 6.625% | 1 | 1 | 0 | 1 | 0 | 0.00 | No | XXXX | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 269.22 | No | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000073085 | XXXX | N/A | No | No | XXXX | XXXX | 7.750% | No | No | US Citizen | 1 | $2,146.92 | $1,527.00 | $178.91 | $127.25 | 0.000% | 0.000% | 0.000% | XXXX | 718 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 1.0 | No | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | XXXX | XXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 60.49 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000075063 | XXXX | Non QM | Yes | No | $2,590.00 | $17,796.86 | 8.028% | XXXX | XXXX | 8.000% | No | No | Not Employed | Self-Employed | US Citizen | Permanent Resident Alien | $143,580.43 | 1 | $33,055.20 | $8,256.96 | $2,754.60 | $688.08 | 13.881% | 13.881% | 13.881% | XXXX | 736 | No | Yes | 12 | Business | 100.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $2,590.00 | 6.880% | $0.00 | 4.1 | None | No | No | 8.000% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXX | XXXX | 34.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 17.22 | No | $166,722.92 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074605 | XXXX | N/A | No | No | XXXX | XXXX | 7.500% | No | No | US Citizen | US Citizen | 2 | $9,189.48 | $3,471.96 | $765.79 | $289.33 | 0.000% | 0.000% | 0.000% | XXXX | 755 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.04 | 0.96 | XXXX | XXXX | 21.000% | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 21.2 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000076348 | XXXX | N/A | No | No | XXXX | XXXX | 6.375% | No | No | Permanent Resident Alien | 2 | $8,835.84 | $1,386.00 | $736.32 | $115.50 | 0.000% | 0.000% | 0.000% | XXXX | 756 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXX | $0.00 | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.16 | 0.86 | XXXX | XXXX | 74.000% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 3.77 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074961 | XXXX | N/A | No | No | XXXX | XXXX | 7.500% | No | No | US Citizen | 3 | $1,794.96 | $1,521.00 | $149.58 | $126.75 | 0.000% | 0.000% | 0.000% | XXXX | 747 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.75 | 0.57 | XXXX | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 105.85 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000072760 | XXXX | Non QM | Yes | No | $8,345.00 | $11,446.16 | 7.158% | XXXX | XXXX | 6.875% | No | No | Self-Employed | US Citizen | $8,392.12 | 1 | $6,568.56 | $1,152.00 | $547.38 | $96.00 | 30.398% | 30.398% | 30.398% | XXXX | 706 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2021 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Yes | XXXX | $8,345.00 | 6.650% | $0.00 | 1.0 | None | Yes | No | 6.875% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXX | XXXX | 20.000% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 37.29 | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000072258 | XXXX | Non QM | Yes | No | $8,385.00 | $11,319.48 | 7.943% | XXXX | XXXX | 7.500% | No | No | Self-Employed | US Citizen | $5,272.91 | 1 | $6,500.04 | $2,208.00 | $541.67 | $184.00 | 35.401% | 35.401% | 35.401% | XXXX | 731 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXX | $8,385.00 | 6.660% | $0.00 | 1.0 | None | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXX | XXXX | 6.000% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 8.64 | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000070841 | XXXX | Non QM | Yes | No | $10,187.24 | $1,581.15 | 6.735% | XXXX | XXXX | 6.750% | No | No | Non-Employment Income | US Citizen | $8,345.83 | 1 | $8,681.88 | $761.16 | $723.49 | $63.43 | 37.094% | 37.094% | 37.094% | XXXX | 808 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Borrower - | Non-Primary Income - Social Security]; 1099 Transcript - 2024 [Borrower - | Non-Primary Income - Social Security]; 1099-SSA - 2024 [Borrower - | Non-Primary Income - Social Security]; 1099 Transcript - 2023 [Borrower - | Non-Primary Income - Social Security]; 1099-SSA - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | No | XXXX | $10,187.24 | 6.650% | $20,000.00 | None | N/A | No | 6.750% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | XXXX | XXXX | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 380.53 | No | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000076522 | XXXX | N/A | No | No | XXXX | XXXX | 7.500% | No | No | US Citizen | 1 | $1,437.96 | $948.96 | $119.83 | $79.08 | 0.000% | 0.000% | 0.000% | XXXX | 750 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXX | $0.00 | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.56 | 0.64 | XXXX | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 9.35 | Yes | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074569 | XXXX | N/A | No | No | XXXX | XXXX | 8.500% | No | No | US Citizen | 1 | $2,584.32 | $1,368.96 | $215.36 | $114.08 | 0.000% | 0.000% | 0.000% | XXXX | 790 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 1.0 | N/A | No | 8.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.92 | 1.09 | XXXX | XXXX | 30.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 14.95 | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000075534 | XXXX | Non QM | Yes | No | $3,051.00 | $7,860.12 | 8.476% | XXXX | XXXX | 8.834% | No | No | Employed | Employed | Permanent Resident Alien | Permanent Resident Alien | $6,758.33 | 1 | $5,929.08 | $4,092.00 | $494.09 | $341.00 | 45.019% | 47.508% | 45.019% | XXXX | 743 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2025 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXX | $3,051.00 | 6.830% | $0.00 | None | N/A | No | 8.834% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXX | XXXX | 27.000% | No | 26 | 26 | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | Resident Alien Card | 3.11 | No | $0.00 | $3,192.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074371 | XXXX | Non QM | Yes | No | $16,595.00 | $30,402.92 | 7.537% | XXXX | XXXX | 7.375% | No | No | Employed | Permanent Resident Alien | $14,049.64 | 1 | $21,687.48 | $678.00 | $1,807.29 | $56.50 | 44.903% | 44.903% | 44.903% | XXXX | 786 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXX | $16,595.00 | 6.810% | $8,000.00 | 1.0 | None | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXX | XXXX | 31.000% | No | 27 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 10.49 | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000075454 | XXXX | N/A | No | No | $31,387.50 | $18,362.12 | 7.926% | XXXX | XXXX | 7.625% | No | No | Employed | US Citizen | $5,950.44 | 1 | $12,000.00 | $1,469.28 | $1,000.00 | $122.44 | 48.159% | 48.159% | 48.159% | XXXX | 793 | No | No | [Borrower - | Non-Primary Income - Wages]; VVOE - 2025 [Borrower - | Non-Primary Income - Wages]; WVOE - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXX | $31,387.50 | 6.880% | $0.00 | 1.0 | None | N/A | No | 7.625% | 2 | 0 | 0 | 0 | 0 | 0.00 | No | XXXX | XXXX | No | 28 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 16.72 | No | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000075700 | XXXX | N/A | No | No | $62,879.30 | $27,446.33 | 7.244% | XXXX | XXXX | 7.125% | No | No | Not Employed | Non-Employment Income | US Citizen | $24,541.31 | 1 | $55,095.48 | $11,591.76 | $4,591.29 | $965.98 | 28.522% | 20.014% | 28.522% | XXXX | 777 | No | No | [Coborrower(s) - | Primary Income - Social Security]; Account Statements - 2025 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | No | XXXX | $62,879.30 | 6.880% | $0.00 | 1.7 | None | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 240 | XXXX | XXXX | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 101.66 | No | No | $1,061.90 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074821 | XXXX | Non QM | Yes | No | $9,970.00 | $7,727.33 | 8.734% | XXXX | XXXX | 9.353% | No | No | Employed | US Citizen | $12,330.53 | 1 | $12,027.60 | $1,413.96 | $1,002.30 | $117.83 | 39.225% | 39.725% | 39.225% | XXXX | 781 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXX | $9,970.00 | 6.810% | $0.00 | 1.0 | None | N/A | No | 9.353% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXX | XXXX | 16.000% | No | 27 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 5.5 | Yes | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000075061 | XXXX | N/A | No | Yes | $0.00 | 6.962% | XXXX | XXXX | 7.000% | No | No | Employed | Not Employed | US Citizen | US Citizen | $12,080.11 | 2 | $12,747.48 | $711.12 | $1,062.29 | $59.26 | 29.630% | 29.630% | 29.630% | XXXX | 801 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXX | 6.880% | $0.00 | LP / LPA | Accept/Eligible | N/A | No | 7.000% | 1 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | XXXX | XXXX | 100.000% | No | 16 | Yes | Preliminary | Fee Simple | Individual | Trustee | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 85.29 | No | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000075385 | XXXX | N/A | No | No | XXXX | XXXX | 7.625% | No | No | US Citizen | 1 | $9,896.40 | $1,581.00 | $824.70 | $131.75 | 0.000% | 0.000% | 0.000% | XXXX | 740 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXX | $0.00 | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.76 | 1.32 | XXXX | XXXX | 48.000% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | 16.65 | Yes | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000070652 | XXXX | N/A | No | No | XXXX | XXXX | 8.625% | No | No | US Citizen | 1 | $1,598.76 | $1,598.76 | $133.23 | $133.23 | 0.000% | 0.000% | 0.000% | XXXX | 689 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 1.2 | N/A | No | 8.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.12 | 0.89 | XXXX | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 107.22 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000075625 | XXXX | N/A | No | No | $73,350.00 | $29,171.00 | 7.749% | XXXX | XXXX | 7.625% | No | No | Employed | US Citizen | $7,765.19 | 3 | $12,763.44 | $5,550.96 | $1,063.62 | $462.58 | 49.236% | 49.236% | 49.236% | XXXX | 791 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 1040 - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2021 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | XXXX | $73,350.00 | 6.880% | $122,412.43 | None | N/A | No | 7.625% | 1 | 1 | 0 | 3 | 1 | 0.00 | No | XXXX | XXXX | 49.000% | No | 27 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 42.67 | No | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074721 | XXXX | Non QM | Yes | No | $7,583.75 | $12,656.28 | 7.487% | XXXX | XXXX | 7.250% | No | No | Self-Employed | US Citizen | $8,247.59 | 1 | $8,124.96 | $1,074.00 | $677.08 | $89.50 | 31.940% | 31.940% | 31.940% | XXXX | 725 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2024 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2023 |
Alternative Documentation (A) | 2yr P&L w/o Bank Statements | 0 | 0 | 0 | No | XXXX | $7,583.75 | 6.810% | $0.00 | 1.0 | None | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 27.00 | No | XXXX | XXXX | 27.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 3.94 | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000072922 | XXXX | N/A | No | No | $14,135.60 | $20,493.29 | 7.664% | XXXX | XXXX | 7.250% | No | No | Self-Employed | US Citizen | $13,583.70 | 1 | $7,187.52 | $492.96 | $598.96 | $41.08 | 46.567% | 46.567% | 46.567% | XXXX | 747 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2025 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXX | $14,135.60 | 6.650% | $0.00 | 1.0 | None | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 14.00 | No | XXXX | XXXX | 29.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 17.79 | No | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074178 | XXXX | N/A | No | No | XXXX | XXXX | 6.375% | No | No | US Citizen | US Citizen | 1 | $1,541.04 | $2,438.40 | $128.42 | $203.20 | 0.000% | 0.000% | 0.000% | XXXX | 747 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 1.6 | No | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.31 | 0.76 | XXXX | XXXX | 58.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 13.29 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074517 | XXXX | N/A | No | Yes | $0.00 | 7.575% | XXXX | XXXX | 7.625% | No | No | Employed | US Citizen | $4,387.86 | 1 | $3,225.96 | $1,893.00 | $268.83 | $157.75 | 47.543% | 47.543% | 47.543% | XXXX | 729 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Non-Primary Income - Child Support]; Child Support Order - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | XXXX | 6.810% | $0.00 | DU | ApproveEligible | No | No | 7.625% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | XXXX | XXXX | 42.000% | No | 27 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 19.78 | No | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000072110 | XXXX | N/A | No | Yes | $0.00 | $0.00 | 7.373% | XXXX | XXXX | 7.375% | No | No | Employed | US Citizen | $6,995.98 | 3 | $2,770.20 | $1,341.00 | $230.85 | $111.75 | 36.302% | 36.302% | 36.302% | XXXX | 801 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXX | 6.650% | $4,360.00 | DU | ApproveEligible | No | No | 7.375% | 1 | 0 | 0 | 3 | 0 | 0.00 | No | XXXX | XXXX | 35.000% | No | 28 | Yes | Short Form | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 12.81 | No | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000076067 | XXXX | N/A | No | No | XXXX | XXXX | 6.500% | No | No | US Citizen | US Citizen | 1 | $9,195.96 | $903.00 | $766.33 | $75.25 | 0.000% | 0.000% | 0.000% | XXXX | 745 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.14 | 0.87 | XXXX | XXXX | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 32.89 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000075049 | XXXX | N/A | No | No | XXXX | XXXX | 7.625% | No | No | 0 | US Citizen | US Citizen | 3 | $10,951.44 | $3,456.00 | $912.62 | $288.00 | 0.000% | 0.000% | 0.000% | XXXX | 773 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | Yes | XXXX | $0.00 | No | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.89 | 0.53 | XXXX | XXXX | 31.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 357.04 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000075963 | XXXX | N/A | No | No | XXXX | XXXX | 7.500% | No | No | US Citizen | 1 | $5,298.24 | $1,700.52 | $441.52 | $141.71 | 0.000% | 0.000% | 0.000% | XXXX | 798 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 1.0 | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.04 | 0.96 | XXXX | XXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 183.3 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000073967 | XXXX | N/A | No | No | XXXX | XXXX | 8.000% | No | No | US Citizen | 1 | $1,599.12 | $585.00 | $133.26 | $48.75 | 0.000% | 0.000% | 0.000% | XXXX | 749 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 3.8 | N/A | No | 8.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.82 | 1.22 | XXXX | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 68.89 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000075209 | XXXX | Non QM | Yes | No | $3,582.60 | $5,145.62 | 7.568% | XXXX | XXXX | 7.375% | No | No | Self-Employed | US Citizen | $6,063.68 | 1 | $3,842.04 | $1,172.04 | $320.17 | $97.67 | 24.455% | 24.455% | 24.455% | XXXX | 793 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $3,582.60 | 6.700% | $0.00 | 2.3 | None | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 26.22 | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000075882 | XXXX | N/A | No | No | XXXX | XXXX | 8.500% | No | No | 0 | US Citizen | US Citizen | 1 | $2,000.04 | $1,032.96 | $166.67 | $86.08 | 0.000% | 0.000% | 0.000% | XXXX | 746 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 1.0 | N/A | No | 8.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.69 | 0.59 | XXXX | XXXX | 58.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 34.25 | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000075696 | XXXX | N/A | No | No | XXXX | XXXX | 6.875% | No | No | US Citizen | 2 | $8,894.40 | $1,343.04 | $741.20 | $111.92 | 0.000% | 0.000% | 0.000% | XXXX | 809 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXX | $0.00 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.36 | 0.74 | XXXX | XXXX | 11.000% | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 5.44 | Yes | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000075906 | XXXX | Non QM | Yes | No | $5,844.20 | $3,059.27 | 7.915% | XXXX | XXXX | 7.875% | No | No | Employed | US Citizen | $5,669.33 | 1 | $1,957.08 | $581.04 | $163.09 | $48.42 | 37.007% | 37.007% | 37.007% | XXXX | 748 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXX | $5,844.20 | 6.740% | $57,000.00 | None | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXX | XXXX | 14.000% | No | 28 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 4.91 | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074442 | XXXX | Non QM | Yes | No | $2,715.00 | $15,390.17 | 7.549% | XXXX | XXXX | 7.500% | No | No | Employed | Employed | US Citizen | US Citizen | $26,319.61 | 1 | $25,224.96 | $7,040.04 | $2,102.08 | $586.67 | 43.335% | 43.335% | 43.335% | XXXX | 748 | No | No | [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2025 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXX | $2,715.00 | 6.810% | $0.00 | 1.0 | None | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXX | XXXX | 32.000% | No | 27 | 27 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 14.65 | No | No | $0.00 | $28,500.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000076178 | XXXX | N/A | No | No | XXXX | XXXX | 7.500% | No | No | US Citizen | 1 | $5,108.52 | $3,153.00 | $425.71 | $262.75 | 0.000% | 0.000% | 0.000% | XXXX | 750 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXX | $0.00 | 1.0 | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.94 | 1.07 | XXXX | XXXX | 1.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 40.62 | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000076869 | XXXX | N/A | No | No | XXXX | XXXX | 7.250% | No | No | US Citizen | 1 | $11,790.84 | $1,511.04 | $982.57 | $125.92 | 0.000% | 0.000% | 0.000% | XXXX | 743 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXX | $0.00 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.2 | 0.83 | XXXX | XXXX | 39.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 6.55 | Yes | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000076988 | XXXX | N/A | No | No | $41,737.00 | $26,827.00 | 9.572% | XXXX | XXXX | 9.830% | No | No | Not Employed | Self-Employed | US Citizen | $21,644.13 | 1 | $9,907.80 | $600.00 | $825.65 | $50.00 | 23.468% | 32.542% | 23.468% | XXXX | 711 | No | No | [Coborrower(s) - | Primary Income - P&L Statement Only]; Other - 2024 [Coborrower(s) - | Primary Income - P&L Statement Only]; P&L Statement - 2024 [Coborrower(s) - | Primary Income - P&L Statement Only]; Third Party Verification - 2024 [Coborrower(s) - | Primary Income - P&L Statement Only]; P&L Statement - 2023 |
Alternative Documentation (A) | 1yr P&L w/o Bank Statements | 0 | 0 | 0 | No | XXXX | $41,737.00 | 7.970% | $0.00 | None | N/A | No | 9.830% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXX | XXXX | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 76.85 | No | No | $28,281.10 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000076211 | XXXX | N/A | No | No | XXXX | XXXX | 7.250% | No | No | US Citizen | US Citizen | 1 | $19,611.00 | $1,970.04 | $1,634.25 | $164.17 | 0.000% | 0.000% | 0.000% | XXXX | 676 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 2.3 | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.76 | 1.31 | XXXX | XXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 29.17 | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000076453 | XXXX | Non QM | Yes | No | $3,935.00 | $6,751.52 | 8.675% | XXXX | XXXX | 9.132% | No | No | Employed | US Citizen | $3,141.89 | 1 | $3,618.12 | $306.96 | $301.51 | $25.58 | 47.635% | 68.630% | 47.635% | XXXX | 783 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2024 [Borrower - | Primary Income - Wages]; WVOE - 2024 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | Yes | XXXX | $3,935.00 | 7.880% | $0.00 | None | N/A | No | 9.132% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXX | XXXX | 47.000% | No | 24 | Yes | Final | Fee Simple | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 3.32 | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000075258 | XXXX | N/A | No | No | XXXX | XXXX | 8.375% | No | No | US Citizen | 3 | $14,892.12 | $2,897.40 | $1,241.01 | $241.45 | 0.000% | 0.000% | 0.000% | XXXX | 680 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | No | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.12 | 0.9 | XXXX | XXXX | 73.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 38.71 | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000073385 | XXXX | N/A | No | No | XXXX | XXXX | 9.875% | No | No | US Citizen | 1 | $7,219.92 | $713.28 | $601.66 | $59.44 | 0.000% | 0.000% | 0.000% | XXXX | 778 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 2.6 | N/A | No | 9.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.89 | 1.12 | XXXX | XXXX | 49.000% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 23.06 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000075253 | XXXX | Non QM | Yes | No | $2,565.00 | $8,933.29 | 7.793% | XXXX | XXXX | 7.750% | No | No | Self-Employed | US Citizen | $23,821.45 | 1 | $15,318.24 | $686.04 | $1,276.52 | $57.17 | 28.553% | 28.553% | 28.553% | XXXX | 779 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 |
Alternative Documentation (A) | 2yr P&L w/o Bank Statements | 0 | 0 | 0 | No | XXXX | $2,565.00 | 6.880% | $10,000.00 | 1.0 | None | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 26.00 | No | XXXX | XXXX | 29.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 6.03 | Yes | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000076455 | XXXX | Non QM | Yes | No | $2,907.50 | $7,486.14 | 8.682% | XXXX | XXXX | 9.191% | No | No | Employed | Permanent Resident Alien | $4,632.59 | 1 | $7,006.08 | $1,044.00 | $583.84 | $87.00 | 51.994% | 82.235% | 51.994% | XXXX | 793 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2024 [Borrower - | Primary Income - Wages]; WVOE - 2024 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | Yes | XXXX | $2,907.50 | 7.880% | $0.00 | None | N/A | No | 9.191% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXX | XXXX | 38.000% | No | 32 | Yes | Final | Fee Simple | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 5.68 | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000071942 | XXXX | N/A | No | No | XXXX | XXXX | 8.125% | No | No | US Citizen | 1 | $1,757.88 | $2,102.04 | $146.49 | $175.17 | 0.000% | 0.000% | 0.000% | XXXX | 745 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 1.0 | N/A | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.19 | 0.84 | XXXX | XXXX | 40.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 28.45 | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000075487 | XXXX | Non QM | Yes | No | $5,195.34 | $3,929.61 | 7.238% | XXXX | XXXX | 7.250% | No | No | Self-Employed | US Citizen | $46,162.08 | 1 | $6,276.12 | $2,819.04 | $523.01 | $234.92 | 22.630% | 22.630% | 22.630% | XXXX | 804 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $5,195.34 | 6.880% | $13,921.16 | 2.4 | None | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | XXXX | 21.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | Yes | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 14.77 | Yes | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000073891 | XXXX | Non QM | Yes | No | $21,313.82 | $31,946.45 | 7.519% | XXXX | XXXX | 6.990% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $21,414.58 | 1 | $5,639.04 | $1,131.24 | $469.92 | $94.27 | 35.131% | 35.131% | 35.131% | XXXX | 712 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $21,313.82 | 6.700% | $0.00 | 1.0 | None | N/A | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | XXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 57.3 | No | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000075059 | XXXX | Non QM | Yes | No | $15,895.00 | $7,432.99 | 7.682% | XXXX | XXXX | 7.624% | No | No | Employed | Not Employed | US Citizen | US Citizen | $9,504.57 | 1 | $13,749.96 | $3,621.96 | $1,145.83 | $301.83 | 41.533% | 38.416% | 41.533% | XXXX | 809 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | Yes | XXXX | $15,895.00 | 6.810% | $2,500.00 | 1.0 | None | No | No | 7.624% | 2 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | 360 | XXXX | XXXX | 37.000% | No | 29 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | 13.75 | Yes | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074726 | XXXX | Non QM | Yes | No | $6,465.00 | $9,257.43 | 7.533% | XXXX | XXXX | 7.375% | No | No | Employed | Permanent Resident Alien | $5,700.00 | 1 | $7,831.44 | $2,544.96 | $652.62 | $212.08 | 46.189% | 46.189% | 46.189% | XXXX | 801 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXX | $6,465.00 | 6.810% | $0.00 | 1.0 | None | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXX | XXXX | No | 26 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | No | 3.38 | No | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000072989 | XXXX | Non QM | Yes | No | $1,675.00 | $5,445.10 | 6.903% | XXXX | XXXX | 6.875% | No | No | Employed | Employed | US Citizen | US Citizen | $6,914.02 | 1 | $6,366.24 | $2,676.96 | $530.52 | $223.08 | 50.923% | 50.923% | 50.923% | XXXX | 762 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXX | $1,675.00 | 6.620% | $0.00 | 1.0 | None | N/A | No | 6.875% | 2 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | XXXX | XXXX | No | 24 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 31.36 | No | No | $0.00 | $6,587.97 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000076017 | XXXX | N/A | No | No | XXXX | XXXX | 7.500% | No | No | US Citizen | 1 | $16,294.56 | $2,573.76 | $1,357.88 | $214.48 | 0.000% | 0.000% | 0.000% | XXXX | 675 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXX | $0.00 | 1.0 | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.36 | 0.73 | XXXX | XXXX | No | Yes | Final | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 12.24 | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000072199 | XXXX | Non QM | Yes | No | $1,590.00 | $0.00 | 6.830% | XXXX | XXXX | 6.875% | No | No | Self-Employed | US Citizen | $11,159.54 | 1 | $2,506.08 | $1,529.76 | $208.84 | $127.48 | 19.065% | 19.065% | 19.065% | XXXX | 797 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2023 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $1,590.00 | 6.650% | $7,709.66 | 1.0 | None | No | No | 6.875% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | XXXX | XXXX | 12.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 18.07 | No | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000073958 | XXXX | Non QM | Yes | No | $18,423.04 | $10,456.89 | 7.331% | XXXX | XXXX | 7.125% | No | No | Not Employed | Self-Employed | US Citizen | US Citizen | $34,866.43 | 1 | $6,490.08 | $4,517.88 | $540.84 | $376.49 | 16.275% | 16.275% | 16.275% | XXXX | 743 | No | Yes | 12 | Business | 100.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 80.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 80.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 80.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 80.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $18,423.04 | 6.880% | $0.00 | 3.3 | None | No | No | 7.125% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | XXXX | XXXX | 54.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | 31.46 | Yes | No | $41,643.87 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000076524 | XXXX | N/A | No | No | XXXX | XXXX | 7.250% | No | No | 0 | 0 | US Citizen | US Citizen | 1 | $9,291.36 | $4,570.92 | $774.28 | $380.91 | 0.000% | 0.000% | 0.000% | XXXX | 782 | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | Yes | XXXX | $0.00 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | XXXX | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | LLC | Guarantor - Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 37 | Yes | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000075361 | XXXX | Non QM | Yes | No | $8,049.60 | $11,350.00 | 8.140% | XXXX | XXXX | 7.875% | No | No | Self-Employed | Non-Employment Income | US Citizen | US Citizen | $12,987.11 | 1 | $5,625.00 | $1,526.04 | $468.75 | $127.17 | 27.307% | 27.307% | 27.307% | XXXX | 699 | No | Yes | 12 | Business | 81.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Coborrower(s) - | Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $8,049.60 | 6.880% | $0.00 | 1.0 | None | Yes | No | 7.875% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXX | XXXX | 49.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | 35.74 | No | $3,370.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074251 | XXXX | N/A | No | No | $50,195.00 | $11,117.10 | 7.450% | XXXX | XXXX | 7.375% | No | No | Self-Employed | US Citizen | $96,529.22 | 1 | $14,625.00 | $2,313.00 | $1,218.75 | $192.75 | 21.994% | 21.994% | 21.994% | XXXX | 730 | No | Yes | 24 | Business | 100.000% | 90.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | No | XXXX | $50,195.00 | 6.810% | $0.00 | 4.3 | None | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 24 | 0.00 | No | XXXX | XXXX | 31.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 16.53 | No | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000073160 | XXXX | Non QM | Yes | No | $1,175.00 | $5,685.20 | 7.899% | XXXX | XXXX | 7.875% | No | No | Employed | US Citizen | $8,717.83 | 1 | $2,108.04 | $3,759.96 | $175.67 | $313.33 | 44.534% | 44.534% | 44.534% | XXXX | 796 | No | No | [Borrower - | Primary Income - Wages]; Employer Letter - 2025 [Borrower - | Primary Income - Wages]; Other - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - No Results Returned - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXX | $1,175.00 | 6.620% | $5,000.00 | 1.6 | None | Yes | No | 7.875% | 2 | 1 | 0 | 3 | 0 | 0.00 | No | XXXX | XXXX | 33.000% | No | 27 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 23.64 | No | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000073104 | XXXX | Safe Harbor QM (APOR) | Yes | No | $1,295.00 | $2,438.51 | 6.919% | XXXX | XXXX | 6.875% | No | No | Self-Employed | US Citizen | $10,854.26 | 1 | $8,749.92 | $759.00 | $729.16 | $63.25 | 24.395% | 24.395% | 24.395% | XXXX | 747 | No | No | [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | XXXX | $1,295.00 | 6.620% | $0.00 | 1.4 | DU | ApproveEligible | N/A | No | 6.875% | 1 | 1 | 0 | 1 | 0 | No | Not Stated | XXXX | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 110.62 | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000075542 | XXXX | N/A | No | No | XXXX | XXXX | 6.875% | No | No | US Citizen | 4 | $16,518.00 | $4,800.00 | $1,376.50 | $400.00 | 0.000% | 0.000% | 0.000% | XXXX | 800 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | XXXX | XXXX | 7.000% | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 5 | Yes | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000075645 | XXXX | N/A | No | No | XXXX | XXXX | 7.750% | No | No | US Citizen | 1 | $3,919.92 | $1,082.04 | $326.66 | $90.17 | 0.000% | 0.000% | 0.000% | XXXX | 785 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXX | $0.00 | 3.2 | No | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.17 | 0.85 | XXXX | XXXX | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 60.7 | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074013 | XXXX | N/A | No | No | XXXX | XXXX | 8.125% | No | No | US Citizen | 1 | $6,877.44 | $969.96 | $573.12 | $80.83 | 0.000% | 0.000% | 0.000% | XXXX | 728 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 1.0 | Yes | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.82 | 1.22 | XXXX | XXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 3.94 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074348 | XXXX | N/A | No | No | XXXX | XXXX | 7.750% | No | No | US Citizen | 1 | $19,224.96 | $3,398.04 | $1,602.08 | $283.17 | 0.000% | 0.000% | 0.000% | XXXX | 720 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 2.3 | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.62 | 1.63 | XXXX | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 10.06 | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000075767 | XXXX | Non QM | Yes | No | $10,316.68 | $4,858.00 | 7.944% | XXXX | XXXX | 7.875% | No | No | Self-Employed | Permanent Resident Alien | $4,528.71 | 1 | $4,609.56 | $1,904.04 | $384.13 | $158.67 | 43.804% | 43.804% | 43.804% | XXXX | 747 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.99000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.99000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.99000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.99000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $10,316.68 | 6.880% | $0.00 | 3.2 | None | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | XXXX | 80.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 77.74 | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000075725 | XXXX | Non QM | Yes | No | $2,715.00 | $8,789.85 | 8.335% | XXXX | XXXX | 9.334% | No | No | Self-Employed | Permanent Resident Alien | $28,383.26 | 1 | $27,833.40 | $896.04 | $2,319.45 | $74.67 | 39.306% | 38.277% | 39.306% | XXXX | 772 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2024 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2023 |
Alternative Documentation (A) | 2yr P&L w/o Bank Statements | 0 | 0 | 0 | No | XXXX | $2,715.00 | 6.830% | $0.00 | 1.0 | None | N/A | No | 9.334% | 0 | 0 | 0 | 0 | 0 | 27.00 | No | XXXX | XXXX | 39.000% | No | Yes | Preliminary | Fee Simple | Individual | Trustee | No | Trustee | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 6.51 | Yes | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000075657 | XXXX | N/A | No | No | XXXX | XXXX | 7.375% | No | No | US Citizen | 1 | $3,368.16 | $2,628.96 | $280.68 | $219.08 | 0.000% | 0.000% | 0.000% | XXXX | 752 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXX | $0.00 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.88 | 1.13 | XXXX | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 25.64 | Yes | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074583 | XXXX | Non QM | Yes | No | $8,787.64 | $14,276.24 | 7.230% | XXXX | XXXX | 7.000% | No | No | Self-Employed | US Citizen | $38,071.53 | 1 | $11,852.64 | $1,173.00 | $987.72 | $97.75 | 16.725% | 16.725% | 16.725% | XXXX | 778 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2025 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXX | $8,787.64 | 6.810% | $0.00 | 1.0 | None | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 15.00 | No | XXXX | XXXX | 9.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 12.74 | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000073123 | XXXX | N/A | No | No | XXXX | XXXX | 7.875% | No | No | Permanent Resident Alien | 1 | $1,603.20 | $2,278.08 | $133.60 | $189.84 | 0.000% | 0.000% | 0.000% | XXXX | 675 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 1.7 | Yes | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.09 | 0.91 | XXXX | XXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 12.47 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000076310 | XXXX | N/A | No | No | XXXX | XXXX | 7.625% | No | No | US Citizen | 1 | $5,963.04 | $3,525.96 | $496.92 | $293.83 | 0.000% | 0.000% | 0.000% | XXXX | 675 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXX | $0.00 | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.29 | 0.78 | XXXX | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 82.15 | Yes | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000075155 | XXXX | N/A | No | No | XXXX | XXXX | 7.875% | No | No | US Citizen | 1 | $3,270.00 | $1,698.00 | $272.50 | $141.50 | 0.000% | 0.000% | 0.000% | XXXX | 719 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 1.0 | Yes | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.06 | 0.94 | XXXX | XXXX | 6.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 8.17 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000075559 | XXXX | N/A | No | Yes | $0.00 | 6.590% | XXXX | XXXX | 6.625% | No | No | Employed | Employed | US Citizen | US Citizen | $17,785.89 | 1 | $13,650.00 | $406.20 | $1,137.50 | $33.85 | 46.770% | 46.770% | 46.770% | XXXX | 806 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXX | 6.880% | $0.00 | DU | Yes | ApproveEligible | N/A | No | 6.625% | 2 | 2 | 1 | 0 | 2 | 0 | 0.00 | No | XXXX | XXXX | No | 27 | Yes | Commitment | Fee Simple | Individual | Trustee | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 161.24 | Yes | No | $0.00 | $9,550.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000075445 | XXXX | N/A | No | No | XXXX | XXXX | 9.750% | No | No | US Citizen | 1 | $12,412.56 | $581.16 | $1,034.38 | $48.43 | 0.000% | 0.000% | 0.000% | XXXX | 787 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 1.0 | Yes | No | 9.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.57 | 1.77 | XXXX | XXXX | 31.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 6.13 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000075460 | XXXX | Non QM | Yes | No | $2,715.00 | $7,772.29 | 8.640% | XXXX | XXXX | 9.334% | No | No | Employed | US Citizen | $9,874.29 | 1 | $15,121.44 | $876.96 | $1,260.12 | $73.08 | 47.617% | 47.543% | 47.617% | XXXX | 791 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXX | $2,715.00 | 6.830% | $10,000.00 | 1.0 | None | N/A | No | 9.334% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXX | XXXX | 24.000% | No | 28 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 2.88 | Yes | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000075441 | XXXX | N/A | No | No | $14,432.50 | $9,069.69 | 8.546% | XXXX | XXXX | 9.334% | No | No | Employed | US Citizen | $8,616.90 | 1 | $14,831.16 | $1,890.96 | $1,235.93 | $157.58 | 33.716% | 32.548% | 33.716% | XXXX | 770 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXX | $14,432.50 | 6.830% | $10,000.00 | 1.0 | None | N/A | No | 9.334% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXX | XXXX | 89.000% | No | 27 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 49.25 | No | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000073954 | XXXX | Exempt from ATR | Non QM | Yes | Yes | No | $7,031.25 | $8,967.51 | 8.942% | XXXX | XXXX | 8.625% | No | No | Self-Employed | US Citizen | $4,507.12 | 1 | $3,954.00 | $4,320.96 | $329.50 | $360.08 | 45.342% | 45.342% | 45.342% | XXXX | 667 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXX | $7,031.25 | 6.650% | $0.00 | 2.6 | None | Yes | No | 8.625% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXX | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 13.44 | Yes | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000076876 | XXXX | Exempt from ATR | Non QM | Yes | Yes | No | $34,025.00 | $35,533.06 | 8.333% | XXXX | XXXX | 8.125% | No | No | Self-Employed | US Citizen | $27,136.55 | 1 | $23,600.88 | $8,741.88 | $1,966.74 | $728.49 | 44.442% | 44.442% | 44.442% | XXXX | 764 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXX | $34,025.00 | 6.650% | $373,296.03 | 4.2 | None | Yes | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXX | XXXX | 14.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 10.44 | Yes | Yes | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000073862 | XXXX | Non QM | Yes | No | $1,790.00 | $2,211.68 | 7.556% | XXXX | XXXX | 7.500% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $6,828.81 | 1 | $4,447.44 | $1,723.08 | $370.62 | $143.59 | 35.631% | 35.631% | 35.631% | XXXX | 797 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | No | XXXX | $1,790.00 | 6.700% | $0.00 | 1.0 | None | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | XXXX | XXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 305.26 | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000075141 | XXXX | Non QM | Yes | No | $8,081.96 | $3,875.10 | 7.012% | XXXX | XXXX | 7.000% | No | No | Self-Employed | US Citizen | $15,356.32 | 1 | $21,281.04 | $2,048.04 | $1,773.42 | $170.67 | 44.220% | 44.220% | 44.220% | XXXX | 784 | No | Yes | 12 | Personal | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: % | Expense Ratio Source: | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: % | Expense Ratio Source: | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: % | Expense Ratio Source: | # of Bank Statements Required: 12]; Other - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $8,081.96 | 6.880% | $19,139.85 | 1.0 | None | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | XXXX | 40.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 7.78 | No | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000076483 | XXXX | N/A | No | No | XXXX | XXXX | 6.375% | No | No | US Citizen | 2 | $9,715.32 | $1,778.04 | $809.61 | $148.17 | 0.000% | 0.000% | 0.000% | XXXX | 740 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXX | $0.00 | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.33 | 0.75 | XXXX | XXXX | 11.000% | No | Yes | Final | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 3.33 | Yes | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000075705 | XXXX | Non QM | Yes | No | $2,640.00 | $2,046.15 | 7.271% | XXXX | XXXX | 7.250% | No | No | Self-Employed | Permanent Resident Alien | $6,845.34 | 1 | $5,148.96 | $993.00 | $429.08 | $82.75 | 39.276% | 39.276% | 39.276% | XXXX | 789 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $2,640.00 | 6.880% | $0.00 | 1.0 | None | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | No | 7.18 | No | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000073784 | XXXX | N/A | No | No | XXXX | XXXX | 9.875% | No | No | 0 | US Citizen | US Citizen | 1 | $15,956.64 | $2,688.96 | $1,329.72 | $224.08 | 0.000% | 0.000% | 0.000% | XXXX | 769 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 2.7 | No | No | 9.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.33 | 2.99 | XXXX | XXXX | 4.000% | No | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 18.79 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000075920 | XXXX | Non QM | Yes | No | $11,535.00 | $1,420.21 | 7.240% | XXXX | XXXX | 7.250% | No | No | Employed | US Citizen | $6,543.51 | 1 | $8,139.12 | $842.04 | $678.26 | $70.17 | 45.316% | 45.316% | 45.316% | XXXX | 817 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXX | $11,535.00 | 6.740% | $25,000.00 | 1.0 | None | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXX | XXXX | 23.000% | No | 27 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 4.31 | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000073816 | XXXX | N/A | No | No | $17,387.00 | $22,428.17 | 7.588% | XXXX | XXXX | 7.250% | No | No | Not Employed | Self-Employed | US Citizen | $52,673.56 | 1 | $5,006.40 | $3,035.04 | $417.20 | $252.92 | 21.765% | 21.765% | 21.765% | XXXX | 782 | No | No | [Coborrower(s) - | Primary Income - P&L Statement Only]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - P&L Statement Only]; Other - 2025 [Coborrower(s) - | Primary Income - P&L Statement Only]; Other - 2025 [Coborrower(s) - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Coborrower(s) - | Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Coborrower(s) - | Primary Income - P&L Statement Only]; Third Party Verification - 2025 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXX | $17,387.00 | 6.700% | $0.00 | 3.1 | None | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXX | XXXX | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 119.59 | No | No | $67,327.10 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074634 | XXXX | N/A | No | No | XXXX | XXXX | 7.625% | No | No | US Citizen | 1 | $11,360.04 | $1,944.96 | $946.67 | $162.08 | 0.000% | 0.000% | 0.000% | XXXX | 723 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXX | $0.00 | 1.0 | No | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.08 | 0.93 | XXXX | XXXX | 34.000% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 16.24 | Yes | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000075679 | XXXX | Non QM | Yes | No | $39,612.00 | $53,472.20 | 7.528% | XXXX | XXXX | 7.375% | No | No | Self-Employed | US Citizen | $41,651.42 | 1 | $22,233.60 | $16,979.04 | $1,852.80 | $1,414.92 | 48.722% | 48.722% | 48.722% | XXXX | 789 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2021 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $39,612.00 | 6.880% | $30,000.00 | 2.0 | None | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | XXXX | 5.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 15.63 | No | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000075541 | XXXX | N/A | No | No | XXXX | XXXX | 6.625% | No | No | US Citizen | 1 | $13,741.32 | $1,494.96 | $1,145.11 | $124.58 | 0.000% | 0.000% | 0.000% | XXXX | 787 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXX | $0.00 | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.5 | 0.67 | XXXX | XXXX | No | Yes | Final | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 35.3 | Yes | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074011 | XXXX | Non QM | Yes | No | $15,488.75 | $21,688.53 | 7.066% | XXXX | XXXX | 6.875% | No | No | Self-Employed | US Citizen | $10,143.24 | 1 | $10,015.92 | $2,852.04 | $834.66 | $237.67 | 41.164% | 41.164% | 41.164% | XXXX | 798 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $15,488.75 | 6.700% | $0.00 | 2.2 | None | Yes | No | 6.875% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXX | XXXX | 64.000% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 56.25 | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000075102 | XXXX | Non QM | Yes | No | $2,190.00 | $7,135.00 | 7.427% | XXXX | XXXX | 7.375% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $42,667.55 | 1 | $10,872.00 | $4,497.00 | $906.00 | $374.75 | 31.497% | 31.497% | 31.497% | XXXX | 749 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $2,190.00 | 6.880% | $3,000.00 | 3.1 | None | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | XXXX | XXXX | 43.000% | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 32.52 | No | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000075101 | XXXX | Non QM | Yes | No | $7,451.92 | $12,350.64 | 8.633% | XXXX | XXXX | 8.500% | No | No | Self-Employed | US Citizen | $32,107.13 | 1 | $5,571.72 | $4,031.04 | $464.31 | $335.92 | 20.973% | 20.973% | 20.973% | XXXX | 696 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 85.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 85.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 85.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 85.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 85.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 85.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 85.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 85.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 85.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2022 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | No | XXXX | $7,451.92 | 6.880% | $11,000.00 | 1.8 | None | Yes | No | 8.500% | 0 | 0 | 0 | 2 | 0 | 24 | 0.00 | No | XXXX | XXXX | 1.000% | No | Yes | Short Form | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 14.61 | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000075483 | XXXX | N/A | No | No | XXXX | XXXX | 9.500% | No | No | US Citizen | 1 | $6,556.20 | $2,133.00 | $546.35 | $177.75 | 0.000% | 0.000% | 0.000% | XXXX | 712 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 2.6 | N/A | No | 9.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.81 | 1.24 | XXXX | XXXX | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 72.71 | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000073819 | XXXX | N/A | No | No | XXXX | XXXX | 7.750% | No | No | US Citizen | 1 | $14,499.96 | $2,358.96 | $1,208.33 | $196.58 | 0.000% | 0.000% | 0.000% | XXXX | 754 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 2.5 | No | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.5 | 2.01 | XXXX | XXXX | 14.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 13.81 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000075434 | XXXX | N/A | No | No | XXXX | XXXX | 8.750% | No | No | US Citizen | US Citizen | 1 | $22,500.00 | $2,438.04 | $1,875.00 | $203.17 | 0.000% | 0.000% | 0.000% | XXXX | 768 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 1.1 | N/A | No | 8.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.52 | 1.92 | XXXX | XXXX | 44.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 20.57 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074791 | XXXX | N/A | No | No | XXXX | XXXX | 8.125% | No | No | US Citizen | 1 | $6,550.56 | $2,165.04 | $545.88 | $180.42 | 0.000% | 0.000% | 0.000% | XXXX | 700 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 1.4 | Yes | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.81 | 1.23 | XXXX | XXXX | 41.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 20.73 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000073473 | XXXX | N/A | No | No | $61,309.32 | $18,383.92 | 7.764% | XXXX | XXXX | 7.625% | No | No | Self-Employed | US Citizen | $25,904.06 | 1 | $13,749.96 | $1,800.96 | $1,145.83 | $150.08 | 45.509% | 45.509% | 45.509% | XXXX | 784 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; Business License - 2025 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXX | $61,309.32 | 6.880% | $0.00 | 4.9 | None | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXX | XXXX | No | Yes | Preliminary | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 12.12 | No | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000075374 | XXXX | N/A | No | No | XXXX | XXXX | 8.750% | No | No | US Citizen | 1 | $26,862.48 | $2,387.04 | $2,238.54 | $198.92 | 0.000% | 0.000% | 0.000% | XXXX | 752 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 3.3 | No | No | 8.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.44 | 2.28 | XXXX | XXXX | 8.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 7.16 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074942 | XXXX | N/A | No | No | XXXX | XXXX | 9.250% | No | No | 0 | US Citizen | US Citizen | US Citizen | 1 | $16,250.04 | $4,606.56 | $1,354.17 | $383.88 | 0.000% | 0.000% | 0.000% | XXXX | 787 | 791 | 787 | 785 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 1.0 | Yes | No | 9.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.6 | 1.68 | XXXX | XXXX | 24.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 11.99 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074131 | XXXX | Non QM | Yes | No | $1,590.00 | $3,805.62 | 7.199% | XXXX | XXXX | 7.125% | No | No | Employed | Employed | US Citizen | US Citizen | $21,519.37 | 1 | $2,064.12 | $804.00 | $172.01 | $67.00 | 15.752% | 15.752% | 15.752% | XXXX | 807 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXX | $1,590.00 | 6.700% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 7.125% | 2 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | XXXX | XXXX | 100.000% | No | 28 | 28 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 201.32 | Yes | No | $0.00 | $9,461.92 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000072852 | XXXX | Non QM | Yes | No | $1,490.00 | $3,651.80 | 6.916% | XXXX | XXXX | 6.875% | No | No | Employed | US Citizen | $15,691.36 | 1 | $4,466.28 | $2,352.00 | $372.19 | $196.00 | 36.096% | 36.096% | 36.096% | XXXX | 802 | No | No | [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | No | XXXX | $1,490.00 | 6.650% | $0.00 | 3.4 | DU | ApproveEligible | N/A | No | 6.875% | 1 | 0 | 0 | 2 | 0 | 0.00 | No | XXXX | XXXX | 35.000% | No | 21 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 9.18 | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074916 | XXXX | Exempt from ATR | Non QM | Yes | Yes | No | $17,275.00 | $21,663.23 | 7.989% | XXXX | XXXX | 7.750% | No | No | Self-Employed | US Citizen | $10,445.99 | 2 | $8,690.04 | $2,543.04 | $724.17 | $211.92 | 39.701% | 39.701% | 39.701% | XXXX | 788 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 |
Alternative Documentation (A) | 1yr P&L w/o Bank Statements | 0 | 0 | 0 | No | XXXX | $17,275.00 | 6.810% | $0.00 | None | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXX | XXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 122.14 | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000076223 | XXXX | N/A | No | No | XXXX | XXXX | 7.750% | No | No | US Citizen | 1 | $5,550.84 | $1,458.00 | $462.57 | $121.50 | 0.000% | 0.000% | 0.000% | XXXX | 675 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 1.0 | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.47 | 0.68 | XXXX | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 227.09 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000075790 | XXXX | N/A | No | No | XXXX | XXXX | 6.625% | No | No | Permanent Resident Alien | 3 | $8,894.04 | $3,305.76 | $741.17 | $275.48 | 0.000% | 0.000% | 0.000% | XXXX | 771 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXX | $0.00 | No | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.49 | 0.67 | XXXX | XXXX | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 130.16 | Yes | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000075228 | XXXX | Non QM | Yes | No | $1,890.00 | $5,754.63 | 7.278% | XXXX | XXXX | 7.250% | No | No | Not Employed | Self-Employed | Not Employed | 0 | US Citizen | US Citizen | US Citizen | $154,791.14 | 1 | $17,267.52 | $4,527.72 | $1,438.96 | $377.31 | 6.997% | 6.997% | 6.997% | XXXX | 715 | 768 | 768 | 765 | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | No | Yes | 12 | Business | 100.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $1,890.00 | 6.880% | $0.00 | 1.0 | None | No | No | 7.250% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXX | XXXX | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Trustee | Individual | Trustee | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 119.88 | No | $166,437.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000076248 | XXXX | Non QM | Yes | No | $6,145.00 | $8,100.50 | 7.456% | XXXX | XXXX | 7.250% | No | No | Employed | US Citizen | $6,242.71 | 1 | $9,427.68 | $1,779.00 | $785.64 | $148.25 | 42.517% | 42.517% | 42.517% | XXXX | 798 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXX | $6,145.00 | 6.880% | $0.00 | 1.0 | None | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXX | XXXX | No | 28 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 13.78 | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000076535 | XXXX | N/A | No | No | $26,657.50 | $9,035.23 | 8.083% | XXXX | XXXX | 8.000% | No | No | Not Employed | Self-Employed | US Citizen | $1,738,173.39 | 1 | $5,993.16 | $804.96 | $499.43 | $67.08 | 3.095% | 3.095% | 3.095% | XXXX | 782 | No | Yes | 12 | Business | 100.000% | 81.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 81.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 81.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 81.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 81.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 81.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $26,657.50 | 6.740% | $0.00 | 1.6 | None | N/A | No | 8.000% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | XXXX | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 116.8 | No | No | $1,793,691.68 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000076221 | XXXX | N/A | No | No | XXXX | XXXX | 7.750% | No | No | US Citizen | 2 | $7,221.96 | $1,458.00 | $601.83 | $121.50 | 0.000% | 0.000% | 0.000% | XXXX | 675 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.1 | 0.48 | XXXX | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 231.53 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000075814 | XXXX | Non QM | Yes | No | $4,109.00 | $8,029.45 | 8.467% | XXXX | XXXX | 9.334% | No | No | Employed | US Citizen | $7,297.60 | 1 | $12,983.76 | $416.16 | $1,081.98 | $34.68 | 45.944% | 44.624% | 45.944% | XXXX | 755 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXX | $4,109.00 | 6.830% | $10,000.00 | 1.0 | None | N/A | No | 9.334% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXX | XXXX | 52.000% | No | 26 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | 4.18 | No | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074237 | XXXX | N/A | No | No | XXXX | XXXX | 7.500% | No | No | US Citizen | US Citizen | 1 | $6,264.60 | $1,383.96 | $522.05 | $115.33 | 0.000% | 0.000% | 0.000% | XXXX | 668 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 1.0 | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.86 | 1.17 | XXXX | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 44.48 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000073648 | XXXX | Non QM | Yes | No | $1,790.00 | $10,739.67 | 7.651% | XXXX | XXXX | 7.625% | No | No | Self-Employed | US Citizen | $12,591.79 | 1 | $14,889.00 | $3,311.04 | $1,240.75 | $275.92 | 50.400% | 50.400% | 50.400% | XXXX | 801 | No | No | Borrower Prepared | [Borrower - | Non-Primary Income - Wages]; Paystubs - 2025 [Borrower - | Non-Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2024 [Borrower - | Non-Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2023 [Borrower - | Non-Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2025 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2025 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2024 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 [Borrower - | Non-Primary Income - Sole Proprietor]; P&L Statement - 2025 [Borrower - | Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - Sole Proprietor]; P&L Statement - 2024 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; Tax Return Extension - 2024 [Borrower]; Transcripts (1040) - No Results Returned - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Tax Return Extension - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXX | $1,790.00 | 6.700% | $0.00 | 1.0 | None | No | No | 7.625% | 2 | 1 | 0 | 5 | 1 | 16.00 | No | XXXX | XXXX | 67.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 69.52 | Yes | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000075259 | XXXX | N/A | No | No | $21,824.00 | $10,114.00 | 7.790% | XXXX | XXXX | 7.625% | No | No | Employed | Non-Permanent Resident Alien | XXXX | $3,536.20 | 1 | $7,875.00 | $1,455.96 | $656.25 | $121.33 | 45.597% | 45.597% | 45.597% | XXXX | 752 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXX | $21,824.00 | 6.880% | $0.00 | None | Yes | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXX | XXXX | 3.000% | No | 28 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Employment Authorization | 9.32 | Yes | Yes | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000076424 | XXXX | N/A | No | No | XXXX | XXXX | 6.875% | No | No | Permanent Resident Alien | 2 | $8,276.28 | $1,601.04 | $689.69 | $133.42 | 0.000% | 0.000% | 0.000% | XXXX | 696 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXX | $0.00 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.92 | 0.52 | XXXX | XXXX | 11.000% | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 5.11 | Yes | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000076532 | XXXX | N/A | No | No | $25,312.50 | $7,690.23 | 8.064% | XXXX | XXXX | 8.000% | No | No | Not Employed | Self-Employed | US Citizen | $1,738,178.38 | 1 | $6,105.00 | $804.96 | $508.75 | $67.08 | 3.095% | 3.095% | 3.095% | XXXX | 782 | No | Yes | 12 | Business | 100.000% | 81.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 81.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 81.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 81.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 81.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $25,312.50 | 6.740% | $0.00 | 1.8 | None | Yes | No | 8.000% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | XXXX | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 116.84 | No | No | $1,793,691.65 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000072851 | XXXX | N/A | No | Yes | $8,843.31 | $13,153.87 | 7.169% | XXXX | XXXX | 6.875% | No | No | Self-Employed | US Citizen | $7,188.51 | 2 | $11,857.68 | $2,406.96 | $988.14 | $200.58 | 45.576% | 45.576% | 45.576% | XXXX | 756 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; Other - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 1040 - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXX | $8,843.31 | 6.620% | $10,360.00 | DU | ApproveEligible | No | No | 6.875% | 0 | 2 | 0 | 0 | 0 | 3.00 | No | XXXX | XXXX | 55.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 32.16 | No | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000072859 | XXXX | N/A | No | No | $34,123.60 | $24,332.67 | 7.121% | XXXX | XXXX | 6.624% | No | No | Self-Employed | Non-Permanent Resident Alien | United States of America | $13,033.93 | 1 | $7,748.76 | $2,120.04 | $645.73 | $176.67 | 38.423% | 38.423% | 38.423% | XXXX | 729 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 35.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 35.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 35.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 35.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Yes | XXXX | $34,123.60 | 6.650% | $0.00 | 1.0 | None | Yes | No | 6.624% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | XXXX | 56.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Employment Authorization | 43.87 | No | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000072508 | XXXX | N/A | No | Yes | $0.00 | 6.714% | XXXX | XXXX | 6.750% | No | No | Employed | US Citizen | $30,046.99 | 2 | $10,760.64 | $2,681.04 | $896.72 | $223.42 | 40.579% | 40.579% | 40.579% | XXXX | 780 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | XXXX | 6.880% | $0.00 | DU | ApproveEligible | No | No | 6.750% | 1 | 0 | 0 | 2 | 0 | 0.00 | No | XXXX | XXXX | 53.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 22.5 | No | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000075943 | XXXX | N/A | No | No | XXXX | XXXX | 8.125% | No | No | US Citizen | US Citizen | 1 | $2,438.40 | $1,611.96 | $203.20 | $134.33 | 0.000% | 0.000% | 0.000% | XXXX | 781 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 1.0 | Yes | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.98 | 1.02 | XXXX | XXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 1235.37 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074924 | XXXX | N/A | No | No | XXXX | XXXX | 7.875% | No | No | US Citizen | 1 | $6,421.92 | $2,614.32 | $535.16 | $217.86 | 0.000% | 0.000% | 0.000% | XXXX | 741 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXX | $0.00 | 5.0 | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.75 | 1.33 | XXXX | XXXX | 7.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 8.94 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000072838 | XXXX | Non QM | Yes | No | $12,025.00 | $4,507.09 | 7.548% | XXXX | XXXX | 7.500% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $48,134.08 | 1 | $15,477.84 | $1,923.00 | $1,289.82 | $160.25 | 12.992% | 12.992% | 12.992% | XXXX | 787 | No | Yes | 12 | Business | 100.000% | 51.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2022 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $12,025.00 | 6.650% | $126,000.00 | 1.0 | None | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | XXXX | XXXX | 36.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 26.52 | Yes | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000075530 | XXXX | Safe Harbor QM (APOR) | Yes | Yes | $1,490.00 | $3,994.22 | 6.973% | XXXX | XXXX | 6.875% | No | No | Non-Employment Income | Employed | US Citizen | US Citizen | $15,836.89 | 1 | $10,456.32 | $1,598.04 | $871.36 | $133.17 | 21.269% | 21.269% | 21.269% | XXXX | 814 | No | No | [Borrower - | Primary Income - Pension]; Award Letter / Continuance Letter - 2025 [Borrower - | Primary Income - Pension]; Other - 2025 [Coborrower(s) - | Primary Income - Wages]; Other - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | No | XXXX | $1,490.00 | 6.620% | $0.00 | 4.1 | DU | ApproveEligible | Yes | No | 6.875% | 0 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXX | XXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 352.78 | No | No | $0.00 | $15,860.84 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074254 | XXXX | N/A | No | Yes | $0.00 | $0.00 | 7.092% | XXXX | XXXX | 7.125% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $25,136.46 | 1 | $3,738.84 | $1,995.00 | $311.57 | $166.25 | 34.055% | 34.055% | 34.055% | XXXX | 780 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - S-Corp (>= 25%)]; Other - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Paystubs - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2022 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2022 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2022 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; Account Transcripts - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1040 - 2022 [Borrower]; 4506-C - 2022 [Borrower]; Transcripts (1040) - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Account Transcripts - 2023 [Coborrower]; 1040 - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; Transcripts (1040) - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXX | 6.810% | $0.00 | 3.3 | DU | ApproveEligible | Yes | No | 7.125% | 2 | 1 | 2 | 0 | 3 | 3 | 15.97 | No | XXXX | XXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 204.53 | No | No | $0.00 | $20,831.58 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000075129 | XXXX | Non QM | Yes | No | $5,840.00 | $9,365.83 | 7.279% | XXXX | XXXX | 7.000% | No | No | Employed | US Citizen | $5,379.71 | 1 | $8,312.52 | $1,580.04 | $692.71 | $131.67 | 40.225% | 40.225% | 40.225% | XXXX | 774 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXX | $5,840.00 | 6.880% | $0.00 | 1.0 | None | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXX | XXXX | 68.000% | No | 28 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 23.19 | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000071989 | XXXX | N/A | No | No | XXXX | XXXX | 7.125% | No | No | Permanent Resident Alien | 1 | $7,295.28 | $2,602.44 | $607.94 | $216.87 | 0.000% | 0.000% | 0.000% | XXXX | 728 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXX | $0.00 | 1.3 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | 240 | XXXX | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 6.09 | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000076243 | XXXX | N/A | No | No | $21,300.00 | $8,954.32 | 7.523% | XXXX | XXXX | 7.375% | No | No | Self-Employed | US Citizen | $22,355.00 | 1 | $3,846.12 | $1,265.40 | $320.51 | $105.45 | 44.729% | 44.729% | 44.729% | XXXX | 740 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXX | $21,300.00 | 6.740% | $0.00 | 1.0 | None | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXX | XXXX | No | Yes | Preliminary | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 123.69 | Yes | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074140 | XXXX | N/A | No | No | XXXX | XXXX | 6.875% | No | No | US Citizen | 1 | $3,101.16 | $2,013.96 | $258.43 | $167.83 | 0.000% | 0.000% | 0.000% | XXXX | 727 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 1.9 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.27 | 0.79 | XXXX | XXXX | No | Yes | Commitment | Fee Simple | Individual | Trustee | No | Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 32.93 | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000073261 | XXXX | Non QM | Yes | No | $3,912.50 | $4,414.83 | 7.291% | XXXX | XXXX | 7.125% | No | No | Self-Employed | US Citizen | $46,293.81 | 1 | $8,318.52 | $879.12 | $693.21 | $73.26 | 5.132% | 5.132% | 5.132% | XXXX | 745 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $3,912.50 | 6.620% | $0.00 | 1.0 | None | Yes | No | 7.125% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | XXXX | XXXX | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | No | 35.27 | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000075966 | XXXX | Non QM | Yes | No | $1,468.00 | $5,115.57 | 6.915% | XXXX | XXXX | 6.875% | No | No | Self-Employed | US Citizen | $26,360.85 | 1 | $20,367.60 | $1,026.00 | $1,697.30 | $85.50 | 31.786% | 31.786% | 31.786% | XXXX | 812 | No | Yes | 12 | Business | 100.000% | 99.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $1,468.00 | 6.740% | $0.00 | 2.2 | None | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | XXXX | 58.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 13.11 | Yes | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074618 | XXXX | Non QM | Yes | No | $10,629.04 | $4,630.99 | 7.489% | XXXX | XXXX | 7.375% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $27,590.40 | 1 | $3,117.84 | $4,272.00 | $259.82 | $356.00 | 15.372% | 15.372% | 15.372% | XXXX | 695 | No | Yes | 12 | Business | 100.000% | 51.000% | 49.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $10,629.04 | 6.810% | $0.00 | 1.0 | None | No | No | 7.375% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXX | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | No | 18.23 | No | $15,974.92 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000075382 | XXXX | Non QM | Yes | No | $17,788.49 | $4,995.97 | 6.878% | XXXX | XXXX | 6.875% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $23,672.05 | 1 | $23,069.04 | $2,458.08 | $1,922.42 | $204.84 | 34.508% | 34.508% | 34.508% | XXXX | 795 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2018 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $17,788.49 | 6.880% | $0.00 | 1.6 | None | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | No | 19.07 | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000075812 | XXXX | Non QM | Yes | No | $4,906.44 | $5,504.70 | 8.050% | XXXX | XXXX | 7.875% | No | No | Self-Employed | US Citizen | $5,228.57 | 1 | $2,306.88 | $1,092.84 | $192.24 | $91.07 | 33.466% | 33.466% | 33.466% | XXXX | 774 | No | Yes | 12 | Personal | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $4,906.44 | 6.880% | $4,000.00 | 1.1 | None | Yes | No | 7.875% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | XXXX | XXXX | 29.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | 15.7 | No | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000075497 | XXXX | Non QM | Yes | No | $12,156.00 | $16,372.55 | 7.559% | XXXX | XXXX | 7.250% | No | No | Self-Employed | US Citizen | $20,800.33 | 1 | $7,250.04 | $3,336.96 | $604.17 | $278.08 | 37.169% | 37.169% | 37.169% | XXXX | 787 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | Yes | XXXX | $12,156.00 | 6.880% | $0.00 | 1.0 | None | N/A | No | 7.250% | 0 | 0 | 0 | 3 | 0 | 12.00 | No | XXXX | XXXX | 39.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 21.37 | Yes | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000075998 | XXXX | N/A | No | No | XXXX | XXXX | 7.500% | No | No | US Citizen | US Citizen | 1 | $8,349.96 | $1,707.96 | $695.83 | $142.33 | 0.000% | 0.000% | 0.000% | XXXX | 773 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 1.0 | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.88 | 1.14 | XXXX | XXXX | 29.000% | No | Yes | Preliminary | Fee Simple | Individual | Trustee | Individual | Trustee | No | Trustee | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 7.9 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074490 | XXXX | N/A | No | No | XXXX | XXXX | 7.250% | No | No | US Citizen | 1 | $4,351.08 | $3,003.00 | $362.59 | $250.25 | 0.000% | 0.000% | 0.000% | XXXX | 756 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 1.1 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.08 | 0.93 | XXXX | XXXX | 54.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Beacon 5.0 | FICO Risk Score Classic 04 | 6.14 | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000072984 | XXXX | N/A | No | Yes | $0.00 | 7.590% | XXXX | XXXX | 7.625% | No | No | Employed | Employed | US Citizen | US Citizen | $3,613.47 | 2 | $7,613.28 | $1,721.04 | $634.44 | $143.42 | 46.019% | 46.019% | 46.019% | XXXX | 776 | No | No | [Borrower - | Primary Income - Wages]; Other - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; Other - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | Yes | XXXX | 6.740% | $0.00 | DU | ApproveEligible | No | No | 7.625% | 2 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | XXXX | XXXX | 45.000% | No | 27 | 0 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 24.02 | No | No | $0.00 | $5,451.32 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000071498 | XXXX | N/A | No | No | XXXX | XXXX | 6.875% | No | No | US Citizen | 1 | $1,344.96 | $1,344.96 | $112.08 | $112.08 | 0.000% | 0.000% | 0.000% | XXXX | 728 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 1.0 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.33 | 0.75 | XXXX | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 109.01 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000075272 | XXXX | Non QM | Yes | No | $2,565.00 | $4,525.65 | 7.095% | XXXX | XXXX | 7.000% | No | No | Self-Employed | US Citizen | $12,067.48 | 1 | $7,938.00 | $1,274.04 | $661.50 | $106.17 | 27.507% | 27.507% | 27.507% | XXXX | 803 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $2,565.00 | 6.880% | $0.00 | None | Yes | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | XXXX | 98.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 96.81 | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074759 | XXXX | N/A | No | No | XXXX | XXXX | 7.250% | No | No | US Citizen | 1 | $2,847.60 | $941.04 | $237.30 | $78.42 | 0.000% | 0.000% | 0.000% | XXXX | 779 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 2.4 | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.39 | 0.72 | XXXX | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 25.92 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074232 | XXXX | Non QM | Yes | No | $9,908.00 | $16,454.22 | 8.110% | XXXX | XXXX | 8.353% | No | No | Self-Employed | US Citizen | $16,280.67 | 1 | $12,500.04 | $1,506.00 | $1,041.67 | $125.50 | 32.501% | 34.456% | 32.501% | XXXX | 757 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; Business License - 2025 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXX | $9,908.00 | 6.810% | $0.00 | 1.0 | None | N/A | No | 8.353% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXX | XXXX | 15.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 16.71 | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000076152 | XXXX | N/A | No | No | XXXX | XXXX | 7.875% | No | No | US Citizen | 1 | $1,751.64 | $1,494.96 | $145.97 | $124.58 | 0.000% | 0.000% | 0.000% | XXXX | 683 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXX | $0.00 | 2.2 | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.83 | 1.21 | XXXX | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 83.04 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000076682 | XXXX | Non QM | Yes | No | $23,595.00 | $15,794.53 | 7.575% | XXXX | XXXX | 7.500% | No | No | Self-Employed | US Citizen | $304,979.97 | 1 | $4,440.96 | $3,932.04 | $370.08 | $327.67 | 10.315% | 10.315% | 10.315% | XXXX | 776 | No | Yes | 12 | Business | 100.000% | 65.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 65.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 65.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 65.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 65.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 65.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $23,595.00 | 6.740% | $27,750.00 | 3.2 | None | No | No | 7.500% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXX | XXXX | 1.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 83.02 | Yes | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000069808 | XXXX | N/A | No | No | XXXX | XXXX | 7.375% | No | No | US Citizen | 1 | $16,087.80 | $5,600.04 | $1,340.65 | $466.67 | 0.000% | 0.000% | 0.000% | XXXX | 704 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXX | $0.00 | 1.0 | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.93 | 1.07 | XXXX | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 24.83 | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000069241 | XXXX | Non QM | Yes | No | $72,329.00 | $81,692.62 | 7.502% | XXXX | XXXX | 7.250% | No | No | Self-Employed | US Citizen | $79,213.72 | 1 | $113,577.12 | $51,396.96 | $9,464.76 | $4,283.08 | 30.719% | 30.719% | 30.719% | XXXX | 719 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; Business License - 2025 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXX | $72,329.00 | 6.730% | $0.00 | 1.0 | None | N/A | No | 7.250% | 0 | 0 | 0 | 4 | 0 | 12.00 | No | XXXX | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 19.97 | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000073068 | XXXX | N/A | No | Yes | $0.00 | 7.464% | XXXX | XXXX | 7.500% | No | No | Employed | Self-Employed | US Citizen | US Citizen | $10,005.83 | 1 | $3,295.80 | $760.08 | $274.65 | $63.34 | 48.984% | 48.984% | 48.984% | XXXX | 797 | No | No | [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2022 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2022 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2022 |
[Borrower]; 4506-C - 2024 [Borrower]; Tax Return Extension - 2024 [Borrower]; Transcripts (1040) - No Results Returned - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1040 - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; Tax Return Extension - 2024 [Coborrower]; Transcripts (1040) - No Results Returned - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1040 - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; Transcripts (1040) - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXX | 6.620% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 7.500% | 0 | 3 | 2 | 0 | 3 | 2 | 0.00 | No | XXXX | XXXX | No | 27 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 195.46 | No | No | $4,925.89 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000072527 | XXXX | N/A | No | No | XXXX | XXXX | 7.750% | No | No | US Citizen | 2 | $1,052.40 | $920.76 | $87.70 | $76.73 | 0.000% | 0.000% | 0.000% | XXXX | 691 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | No | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.3 | 0.77 | XXXX | XXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 8.17 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000075021 | XXXX | N/A | No | No | $1,155.00 | $4,471.70 | 7.764% | XXXX | XXXX | 7.750% | No | No | Non-Employment Income | Self-Employed | US Citizen | US Citizen | $12,864.28 | 1 | $4,703.52 | $3,959.04 | $391.96 | $329.92 | 38.971% | 38.971% | 38.971% | XXXX | 813 | No | No | [Borrower - | Primary Income - Social Security]; Account Statements - 2025 [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Borrower - | Primary Income - Social Security]; Deposit Receipt - 2025 [Borrower - | Primary Income - Social Security]; 1099-SSA - 2024 [Borrower - | Primary Income - Social Security]; 1099-SSA - 2023 [Borrower - | Non-Primary Income - Pension]; Account Statements - 2025 [Borrower - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025 [Borrower - | Non-Primary Income - Pension]; 1099-R - 2024 [Borrower - | Non-Primary Income - Pension]; 1099-R - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Other - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Other - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Other - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Transcripts - No Results Returned (for Business) - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Business Return Transcripts - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 Transcript - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 Transcript - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022 |
[Borrower]; 4506-C - 2024 [Borrower]; Tax Return Extension - 2024 [Borrower]; Transcripts (1040) - No Results Returned - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; Tax Return Extension - 2024 [Coborrower]; Transcripts (1040) - No Results Returned - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Account Transcripts - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | No | XXXX | $1,155.00 | 6.880% | $0.00 | 1.0 | None | Yes | No | 7.750% | 0 | 2 | 1 | 0 | 2 | 1 | 0.00 | No | XXXX | XXXX | 68.000% | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 73.99 | Yes | No | $18,009.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000076117 | XXXX | Non QM | Yes | No | $2,565.00 | $6,462.03 | 7.409% | XXXX | XXXX | 7.250% | No | No | Employed | US Citizen | $5,321.18 | 1 | $10,500.00 | $881.04 | $875.00 | $73.42 | 39.532% | 39.532% | 39.532% | XXXX | 778 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXX | $2,565.00 | 6.740% | $4,000.00 | 1.0 | None | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXX | XXXX | 67.000% | No | 24 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 17.21 | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000075219 | XXXX | N/A | No | No | XXXX | XXXX | 8.125% | No | No | Permanent Resident Alien | 1 | $10,789.80 | $2,495.04 | $899.15 | $207.92 | 0.000% | 0.000% | 0.000% | XXXX | 673 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 1.8 | Yes | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.18 | 0.85 | XXXX | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 26.28 | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000075456 | XXXX | N/A | No | No | $17,584.50 | $5,296.13 | 7.944% | XXXX | XXXX | 7.875% | No | No | Employed | Permanent Resident Alien | $23,810.88 | 1 | $6,229.92 | $467.16 | $519.16 | $38.93 | 14.961% | 14.961% | 14.961% | XXXX | 739 | No | No | [Borrower - | Primary Income - Wages]; Employer Letter - 2025 [Borrower - | Primary Income - Wages]; Other - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXX | $17,584.50 | 6.880% | $0.00 | None | Yes | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXX | XXXX | No | 28 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | No | 16.03 | No | Yes | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000076294 | XXXX | Non QM | Yes | No | $5,965.00 | $7,942.50 | 7.816% | XXXX | XXXX | 7.625% | No | No | Employed | US Citizen | $6,277.43 | 1 | $4,652.28 | $4,140.00 | $387.69 | $345.00 | 37.226% | 37.226% | 37.226% | XXXX | 781 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXX | $5,965.00 | 6.740% | $0.00 | None | No | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXX | XXXX | 46.000% | No | 28 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 29.35 | No | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000076450 | XXXX | N/A | No | No | XXXX | XXXX | 7.750% | No | No | US Citizen | 1 | $3,127.20 | $6,794.04 | $260.60 | $566.17 | 0.000% | 0.000% | 0.000% | XXXX | 742 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 1.1 | Yes | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.89 | 1.13 | XXXX | XXXX | 38.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 13.63 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000076119 | XXXX | Non QM | Yes | No | $11,095.00 | $9,349.48 | 6.719% | XXXX | XXXX | 6.500% | No | No | Self-Employed | US Citizen | $9,309.22 | 1 | $3,377.40 | $5,772.00 | $281.45 | $481.00 | 36.400% | 36.400% | 36.400% | XXXX | 752 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $28,468.60 | 6.740% | $21,106.76 | 1.6 | None | Yes | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | XXXX | 46.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | Yes | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 8.28 | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000077381 | XXXX | N/A | No | No | XXXX | XXXX | 7.500% | No | No | US Citizen | 1 | $6,044.04 | $1,460.04 | $503.67 | $121.67 | 0.000% | 0.000% | 0.000% | XXXX | 679 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXX | $0.00 | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | XXXX | XXXX | 41.000% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | 9.66 | Yes | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000075467 | XXXX | N/A | No | No | XXXX | XXXX | 7.250% | No | No | US Citizen | 1 | $6,675.72 | $1,913.04 | $556.31 | $159.42 | 0.000% | 0.000% | 0.000% | XXXX | 797 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 1.0 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | XXXX | XXXX | 11.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 0 | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000076106 | XXXX | N/A | No | No | $1,804.00 | $9,597.07 | 8.192% | XXXX | XXXX | 8.125% | No | No | Self-Employed | US Citizen | $77,106.89 | 2 | $13,263.96 | $3,488.52 | $1,105.33 | $290.71 | 38.776% | 38.776% | 38.776% | XXXX | 715 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXX | $1,804.00 | 6.740% | $0.00 | None | No | No | 8.125% | 0 | 0 | 0 | 3 | 0 | 12.00 | No | XXXX | XXXX | 33.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 35.24 | No | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074937 | XXXX | N/A | No | No | XXXX | XXXX | 7.000% | No | No | US Citizen | 1 | $2,109.84 | $875.04 | $175.82 | $72.92 | 0.000% | 0.000% | 0.000% | XXXX | 812 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 1.0 | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.45 | 0.69 | XXXX | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 7.83 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000076100 | XXXX | N/A | No | No | XXXX | XXXX | 8.625% | No | No | US Citizen | 2 | $4,224.00 | $1,683.96 | $352.00 | $140.33 | 0.000% | 0.000% | 0.000% | XXXX | 749 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXX | $0.00 | N/A | No | 8.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.44 | 0.41 | XXXX | XXXX | 91.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 62.63 | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000073091 | XXXX | N/A | No | No | XXXX | XXXX | 7.750% | No | No | US Citizen | 1 | $6,334.80 | $1,565.64 | $527.90 | $130.47 | 0.000% | 0.000% | 0.000% | XXXX | 725 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 3.0 | Yes | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.13 | 0.89 | XXXX | XXXX | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 82.96 | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000076312 | XXXX | N/A | No | No | XXXX | XXXX | 6.375% | No | No | US Citizen | 4 | $14,259.00 | $2,600.52 | $1,188.25 | $216.71 | 0.000% | 0.000% | 0.000% | XXXX | 815 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXX | $0.00 | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.05 | 0.95 | XXXX | XXXX | 5.000% | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 3.7 | Yes | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000075829 | XXXX | Non QM | Yes | No | $6,965.00 | $11,555.38 | 7.486% | XXXX | XXXX | 7.125% | No | No | Employed | Non-Permanent Resident Alien | XXXX | $9,101.66 | 1 | $15,275.04 | $4,407.12 | $1,272.92 | $367.26 | 29.987% | 29.987% | 29.987% | XXXX | 766 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXX | $6,965.00 | 6.740% | $0.00 | 1.1 | None | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXX | XXXX | 82.000% | No | 27 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Employment Authorization | 17.28 | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000076881 | XXXX | N/A | No | No | XXXX | XXXX | 6.750% | No | No | US Citizen | 4 | $18,699.96 | $4,295.04 | $1,558.33 | $357.92 | 0.000% | 0.000% | 0.000% | XXXX | 770 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXX | $0.00 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.18 | 0.84 | XXXX | XXXX | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 124.06 | Yes | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074923 | XXXX | N/A | No | Yes | $0.00 | $0.00 | 7.340% | XXXX | XXXX | 7.375% | No | No | Employed | US Citizen | $7,893.32 | 1 | $2,299.92 | $0.00 | $191.66 | $0.00 | 41.179% | 41.179% | 41.179% | XXXX | 766 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2024 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2021 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXX | 6.810% | $7,940.00 | 2.5 | LP / LPA | Accept/Eligible | N/A | No | 7.375% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | XXXX | XXXX | 36.000% | No | 27 | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 13.33 | No | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000075001 | XXXX | Non QM | Yes | No | $17,732.60 | $24,035.91 | 7.971% | XXXX | XXXX | 8.330% | No | No | Self-Employed | US Citizen | $23,734.09 | 1 | $26,900.04 | $3,410.04 | $2,241.67 | $284.17 | 35.231% | 36.299% | 35.231% | XXXX | 810 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2025 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXX | $17,732.60 | 6.810% | $10,760.00 | 1.0 | None | N/A | No | 8.330% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXX | XXXX | 52.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 86.45 | Yes | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074208 | XXXX | Non QM | Yes | No | $23,020.00 | $14,955.22 | 7.087% | XXXX | XXXX | 6.875% | No | No | Employed | Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | XXXX | XXXX | $5,745.31 | 1 | $8,970.00 | $2,484.96 | $747.50 | $207.08 | 48.703% | 48.703% | 48.703% | XXXX | 755 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXX | $23,020.00 | 6.700% | $13,000.00 | 1.0 | None | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | XXXX | XXXX | 34.000% | No | 27 | 27 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Employment Authorization | Employment Authorization | 7.63 | No | $0.00 | $4,800.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000072719 | XXXX | N/A | No | No | XXXX | XXXX | 8.000% | No | No | 0 | US Citizen | US Citizen | 1 | $5,646.96 | $1,445.04 | $470.58 | $120.42 | 0.000% | 0.000% | 0.000% | XXXX | 717 | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 1.0 | No | No | 8.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.36 | 0.74 | XXXX | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 9.71 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000076905 | XXXX | N/A | No | No | XXXX | XXXX | 6.750% | No | No | US Citizen | 1 | $11,250.00 | $1,332.00 | $937.50 | $111.00 | 0.000% | 0.000% | 0.000% | XXXX | 757 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.75 | 0.57 | XXXX | XXXX | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 326.11 | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000073624 | XXXX | Non QM | Yes | No | $6,688.80 | $8,676.04 | 7.991% | XXXX | XXXX | 7.750% | No | No | Self-Employed | US Citizen | $14,192.49 | 1 | $1,678.08 | $3,979.44 | $139.84 | $331.62 | 26.273% | 26.273% | 26.273% | XXXX | 748 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 1 | 0 | 0 | No | XXXX | $6,688.80 | 6.700% | $43,500.00 | 1.0 | None | Yes | No | 7.750% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXX | XXXX | 3.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 33.3 | No | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000073733 | XXXX | N/A | No | No | $32,386.00 | $12,576.84 | 7.886% | XXXX | XXXX | 7.750% | No | No | Not Employed | Employed | Self-Employed | Employed | 23.72 | 2.22 | US Citizen | US Citizen | US Citizen | $21,163.10 | 1 | $3,272.88 | $12,843.48 | $272.74 | $1,070.29 | 28.373% | 28.373% | 28.373% | XXXX | 793 | Level 3-Stated/Partially Verified | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | Level 5-Stated/Verified as defined | Level 3-Stated/Verified as defined | Level 3-Stated/Verified as defined | No | No | [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; Other - 2025 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; P&L Statement - 2025 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; Business Return Transcripts - 2024 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; Other - 2025 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2025 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; Business Return Transcripts - 2024 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | XXXX | $32,386.00 | 6.700% | $0.00 | 1.1 | None | Yes | No | 7.750% | 0 | 2 | 0 | 0 | 0 | 0 | 0.00 | No | XXXX | XXXX | 35.000% | No | 27 | 27 | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 14.69 | No | No | $19,209.10 | $10,337.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000075846 | XXXX | Non QM | Yes | No | $12,638.75 | $5,087.44 | 7.666% | XXXX | XXXX | 7.625% | No | No | Self-Employed | US Citizen | $6,764.78 | 1 | $10,625.04 | $1,781.16 | $885.42 | $148.43 | 46.843% | 46.843% | 46.843% | XXXX | 763 | No | Yes | 12 | Personal | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $12,638.75 | 6.880% | $0.00 | 1.3 | None | Yes | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | XXXX | 35.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 50.54 | Yes | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074440 | XXXX | Non QM | Yes | No | $8,533.60 | $14,235.54 | 7.457% | XXXX | XXXX | 7.250% | No | No | Self-Employed | US Citizen | $14,407.56 | 1 | $13,727.76 | $2,385.12 | $1,143.98 | $198.76 | 29.219% | 29.219% | 29.219% | XXXX | 787 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $8,533.60 | 6.810% | $0.00 | 1.0 | None | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | XXXX | 42.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 10.79 | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000076794 | XXXX | N/A | No | No | XXXX | XXXX | 7.500% | No | No | 0 | US Citizen | US Citizen | 1 | $1,106.52 | $1,151.04 | $92.21 | $95.92 | 0.000% | 0.000% | 0.000% | XXXX | 761 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | Yes | XXXX | $0.00 | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.97 | 1.03 | XXXX | XXXX | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 288.79 | Yes | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074206 | XXXX | Non QM | Yes | No | $1,790.00 | $4,099.37 | 7.451% | XXXX | XXXX | 7.375% | No | No | Not Employed | Employed | Employed | Employed | 8.17 | 17.95 | US Citizen | US Citizen | US Citizen | US Citizen | $42,649.95 | 1 | $6,778.20 | $1,151.04 | $564.85 | $95.92 | 24.912% | 24.912% | 24.912% | XXXX | 721 | 716 | 721 | 764 | 799 | 809 | 792 | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 5-Stated/Verified as defined | Level 5-Stated/Verified as defined | Level 3-Stated/Verified as defined | Level 3-Stated/Verified as defined | No | No | [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXX | $1,790.00 | 6.810% | $0.00 | 2.6 | DU | ApproveEligible | Yes | No | 7.375% | 0 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | XXXX | XXXX | 100.000% | No | 28 | 28 | 27 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 143.49 | Yes | No | $0.00 | $56,800.03 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000077532 | XXXX | N/A | No | No | XXXX | XXXX | 6.625% | No | No | US Citizen | 1 | $3,956.04 | $1,566.00 | $329.67 | $130.50 | 0.000% | 0.000% | 0.000% | XXXX | 744 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXX | $0.00 | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.38 | 0.72 | XXXX | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 94.91 | Yes | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000073105 | XXXX | Safe Harbor QM (APOR) | Yes | Yes | $1,690.00 | $4,874.40 | 7.333% | XXXX | XXXX | 7.250% | No | No | Employed | US Citizen | $12,820.98 | 1 | $6,769.80 | $393.96 | $564.15 | $32.83 | 38.671% | 38.671% | 38.671% | XXXX | 797 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; Year End Summary - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; Year End Summary - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXX | $1,690.00 | 6.620% | $0.00 | 2.8 | DU | ApproveEligible | No | No | 7.250% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXX | XXXX | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 115.03 | No | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000077321 | XXXX | N/A | No | No | XXXX | XXXX | 7.125% | No | No | US Citizen | 1 | $15,815.52 | $1,968.96 | $1,317.96 | $164.08 | 0.000% | 0.000% | 0.000% | XXXX | 794 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXX | $0.00 | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | XXXX | XXXX | 3.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 20.96 | Yes | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074614 | XXXX | Non QM | Yes | No | $3,965.00 | $1,208.24 | 7.415% | XXXX | XXXX | 7.375% | No | No | Not Employed | Self-Employed | US Citizen | US Citizen | $6,942.86 | 1 | $2,728.08 | $1,968.96 | $227.34 | $164.08 | 17.693% | 17.693% | 17.693% | XXXX | 768 | No | Yes | 12 | Business | 100.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $3,965.00 | 6.810% | $9,300.00 | 1.0 | None | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXX | XXXX | 79.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 58.69 | No | $8,435.29 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000071071 | XXXX | Non QM | Yes | No | $22,407.50 | $35,642.30 | 7.877% | XXXX | XXXX | 7.625% | Yes | No | Self-Employed | Not Employed | US Citizen | US Citizen | $134,413.41 | 2 | $7,409.04 | $5,111.76 | $617.42 | $425.98 | 10.291% | 11.296% | 10.291% | XXXX | 696 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $22,407.50 | 6.790% | $0.00 | None | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | XXXX | XXXX | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 50.82 | No | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000075599 | XXXX | N/A | No | Yes | $0.00 | 6.721% | XXXX | XXXX | 6.750% | No | No | Employed | Employed | US Citizen | US Citizen | $41,572.12 | 1 | $6,312.48 | $1,748.88 | $526.04 | $145.74 | 34.096% | 34.096% | 34.096% | XXXX | 803 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | XXXX | 6.880% | $0.00 | 1.0 | LP / LPA | Accept/Eligible | Yes | No | 6.750% | 1 | 1 | 0 | 0 | 2 | 0 | 0.00 | No | XXXX | XXXX | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 600.8 | No | No | $0.00 | $37,579.79 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000073839 | XXXX | N/A | No | No | $29,487.10 | $13,938.94 | 8.178% | XXXX | XXXX | 8.331% | No | No | Self-Employed | US Citizen | $28,594.89 | 1 | $11,367.96 | $968.16 | $947.33 | $80.68 | 37.572% | 38.593% | 37.572% | XXXX | 795 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2025 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXX | $29,487.10 | 6.780% | $0.00 | 1.0 | None | N/A | No | 8.331% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXX | XXXX | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 111.91 | No | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000075854 | XXXX | Non QM | Yes | No | $7,944.28 | $155.35 | 7.462% | XXXX | XXXX | 7.500% | No | No | Self-Employed | US Citizen | $13,140.61 | 1 | $12,592.08 | $708.96 | $1,049.34 | $59.08 | 43.520% | 43.520% | 43.520% | XXXX | 752 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2025 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXX | $7,944.28 | 6.880% | $15,000.00 | 1.0 | None | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXX | XXXX | 6.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 7.24 | Yes | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074116 | XXXX | N/A | No | No | $19,321.64 | $1,006.14 | 9.074% | XXXX | XXXX | 9.125% | No | No | Employed | Employed | Permanent Resident Alien | Permanent Resident Alien | $15,640.57 | 1 | $11,000.04 | $2,493.96 | $916.67 | $207.83 | 49.759% | 49.759% | 49.759% | XXXX | 690 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2025 [Borrower - | Non-Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Non-Primary Income - Wages]; VVOE - 2025 [Borrower - | Non-Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2023 [Coborrower(s) - | Non-Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Non-Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Non-Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Non-Primary Income - Wages]; WVOE - 2025 [Coborrower(s) - | Non-Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Non-Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXX | $19,321.64 | 6.700% | $24,000.00 | 1.0 | None | Yes | No | 9.125% | 2 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | XXXX | XXXX | 25.000% | No | 21 | 13 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | Resident Alien Card | 11.97 | No | No | $0.00 | $10,084.60 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000075611 | XXXX | N/A | No | No | XXXX | XXXX | 8.750% | No | No | US Citizen | 1 | $4,793.88 | $1,226.04 | $399.49 | $102.17 | 0.000% | 0.000% | 0.000% | XXXX | 763 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 2.3 | Yes | No | 8.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.76 | 1.31 | XXXX | XXXX | 71.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 90.47 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000076759 | XXXX | Non QM | Yes | No | $9,147.50 | $12,336.82 | 8.283% | XXXX | XXXX | 8.828% | No | No | Employed | Permanent Resident Alien | $5,102.73 | 1 | $8,556.24 | $1,497.00 | $713.02 | $124.75 | 39.968% | 38.863% | 39.968% | XXXX | 774 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | Yes | XXXX | $9,147.50 | 6.830% | $250.00 | None | N/A | No | 8.828% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXX | XXXX | 42.000% | No | 28 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 3.26 | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000076041 | XXXX | Non QM | Yes | No | $1,495.00 | $5,485.05 | 7.782% | XXXX | XXXX | 7.750% | No | No | Self-Employed | US Citizen | $61,807.17 | 1 | $4,754.76 | $744.00 | $396.23 | $62.00 | 20.909% | 20.908% | 20.908% | XXXX | 728 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 80.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 80.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 80.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 80.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $1,495.00 | 6.740% | $0.00 | 3.8 | None | N/A | No | 7.750% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXX | XXXX | 1.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | 14.74 | No | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074079 | XXXX | Non QM | Yes | No | $12,395.92 | $5,870.92 | 6.952% | XXXX | XXXX | 6.875% | No | No | Self-Employed | US Citizen | $45,261.51 | 1 | $5,737.92 | $0.00 | $478.16 | $0.00 | 19.326% | 19.326% | 19.326% | XXXX | 776 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $12,395.92 | 6.740% | $12,100.00 | 1.0 | None | Yes | No | 6.875% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | XXXX | XXXX | 1.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | 85.64 | No | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000075992 | XXXX | Non QM | Yes | No | $5,628.72 | $3,242.96 | 7.005% | XXXX | XXXX | 6.875% | No | No | Employed | Permanent Resident Alien | $4,890.50 | 1 | $5,670.48 | $603.12 | $472.54 | $50.26 | 28.606% | 28.606% | 28.606% | XXXX | 817 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXX | $5,628.72 | 6.740% | $15,000.00 | 1.0 | None | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXX | XXXX | 29.000% | No | 29 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 12.1 | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000073785 | XXXX | N/A | No | No | XXXX | XXXX | 7.625% | No | No | US Citizen | 2 | $3,204.48 | $3,279.00 | $267.04 | $273.25 | 0.000% | 0.000% | 0.000% | XXXX | 766 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | XXXX | XXXX | 61.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 53.02 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074036 | XXXX | N/A | No | No | XXXX | XXXX | 7.500% | No | No | US Citizen | 1 | $4,687.56 | $864.00 | $390.63 | $72.00 | 0.000% | 0.000% | 0.000% | XXXX | 789 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 1.0 | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.11 | 0.9 | XXXX | XXXX | 26.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 5.21 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000075537 | XXXX | N/A | No | Yes | $0.00 | 6.832% | XXXX | XXXX | 6.875% | No | No | Self-Employed | US Citizen | $7,551.83 | 1 | $2,214.96 | $1,499.04 | $184.58 | $124.92 | 29.170% | 29.170% | 29.170% | XXXX | 764 | No | No | [Borrower - | Primary Income - S-Corp (>= 25%)]; Other - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXX | 6.880% | $0.00 | 1.8 | DU | ApproveEligible | Yes | No | 6.875% | 2 | 2 | 0 | 3 | 1 | No | XXXX | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 27.82 | No | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000072264 | XXXX | N/A | No | No | XXXX | XXXX | 6.625% | No | No | US Citizen | 2 | $2,679.36 | $2,657.04 | $223.28 | $221.42 | 0.000% | 0.000% | 0.000% | XXXX | 769 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.1 | 0.48 | XXXX | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 8.52 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000076021 | XXXX | Non QM | Yes | No | $1,525.00 | $7,556.03 | 7.011% | XXXX | XXXX | 6.875% | No | No | Self-Employed | US Citizen | $23,640.29 | 1 | $9,777.24 | $3,947.64 | $814.77 | $328.97 | 20.505% | 20.505% | 20.505% | XXXX | 767 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 38.70000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 38.70000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 38.70000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 38.70000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $1,525.00 | 6.740% | $50,000.00 | 4.4 | None | No | No | 6.875% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | XXXX | XXXX | 17.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | 24.07 | Yes | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074229 | XXXX | N/A | No | No | $0.00 | 7.101% | XXXX | XXXX | 7.125% | No | No | Employed | Employed | US Citizen | US Citizen | $14,465.18 | 1 | $10,312.56 | $1,272.96 | $859.38 | $106.08 | 38.893% | 38.893% | 38.893% | XXXX | 797 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | XXXX | 6.810% | $0.00 | 1.0 | DU | Yes | No | 7.125% | 1 | 1 | 0 | 0 | 1 | 0 | 0.00 | No | XXXX | XXXX | 7.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 47.54 | No | No | $0.00 | $9,496.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000077948 | XXXX | N/A | No | No | XXXX | XXXX | 7.250% | No | No | US Citizen | 1 | $10,248.24 | $2,633.88 | $854.02 | $219.49 | 0.000% | 0.000% | 0.000% | XXXX | 784 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXX | $0.00 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.09 | 0.91 | XXXX | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 81.53 | Yes | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000076109 | XXXX | Non QM | Yes | No | $4,815.00 | $10,138.84 | 7.395% | XXXX | XXXX | 7.250% | No | No | Self-Employed | US Citizen | $8,939.09 | 1 | $16,500.00 | $2,463.00 | $1,375.00 | $205.25 | 41.292% | 41.292% | 41.292% | XXXX | 800 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXX | $4,815.00 | 6.740% | $0.00 | 1.1 | None | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 15.00 | No | XXXX | XXXX | 60.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 14.96 | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000076174 | XXXX | N/A | No | No | XXXX | XXXX | 7.875% | No | No | US Citizen | 1 | $9,192.96 | $1,203.12 | $766.08 | $100.26 | 0.000% | 0.000% | 0.000% | XXXX | 719 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 1.0 | Yes | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.65 | 1.54 | XXXX | XXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 34.91 | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000076304 | XXXX | N/A | No | No | $27,653.50 | $11,118.50 | 8.413% | XXXX | XXXX | 8.250% | No | No | Self-Employed | US Citizen | $27,389.72 | 1 | $7,558.80 | $1,464.24 | $629.90 | $122.02 | 40.342% | 40.342% | 40.342% | XXXX | 813 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | No | XXXX | $27,653.50 | 6.740% | $0.00 | 1.0 | None | N/A | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 24 | 0.00 | No | XXXX | XXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 111.22 | Yes | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074840 | XXXX | N/A | No | No | XXXX | XXXX | 8.375% | No | No | US Citizen | 1 | $5,417.04 | $1,148.04 | $451.42 | $95.67 | 0.000% | 0.000% | 0.000% | XXXX | 822 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 1.4 | No | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.9 | 1.11 | XXXX | XXXX | No | Yes | Commitment | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 130 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000076181 | XXXX | Non QM | Yes | No | $20,096.75 | $15,063.90 | 7.050% | XXXX | XXXX | 6.875% | No | No | Self-Employed | US Citizen | $13,757.42 | 1 | $13,726.32 | $743.04 | $1,143.86 | $61.92 | 43.835% | 43.835% | 43.835% | XXXX | 788 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $20,096.75 | 6.740% | $25,230.00 | 1.0 | None | No | No | 6.875% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | XXXX | XXXX | 34.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 20.19 | Yes | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000077943 | XXXX | N/A | No | No | XXXX | XXXX | 6.875% | No | No | US Citizen | 2 | $3,535.08 | $1,065.96 | $294.59 | $88.83 | 0.000% | 0.000% | 0.000% | XXXX | 801 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXX | $0.00 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.25 | 0.8 | XXXX | XXXX | 45.000% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 4.53 | Yes | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000076103 | XXXX | N/A | No | Yes | $0.00 | 7.834% | XXXX | XXXX | 7.875% | No | No | Self-Employed | US Citizen | $6,151.34 | 1 | $8,832.24 | $1,845.00 | $736.02 | $153.75 | 49.513% | 49.513% | 49.513% | XXXX | 749 | No | No | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2025 [Borrower - | Primary Income - Sole Proprietor]; Other - 2025 [Borrower - | Primary Income - Sole Proprietor]; Other - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 [Borrower - | Non-Primary Income - Wages]; WVOE - 2025 [Borrower - | Non-Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - Housing Allowance]; Other - 2025 [Borrower - | Non-Primary Income - Housing Allowance]; WVOE - 2025 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXX | 6.740% | $0.00 | 2.6 | DU | ApproveEligible | Yes | No | 7.875% | 1 | 2 | 0 | 3 | 1 | No | XXXX | XXXX | No | 28 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 37.82 | No | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000076400 | XXXX | Non QM | Yes | No | $7,450.00 | $11,757.50 | 7.327% | XXXX | XXXX | 7.125% | No | No | Employed | US Citizen | $8,529.95 | 1 | $9,134.76 | $2,143.68 | $761.23 | $178.64 | 46.879% | 46.879% | 46.879% | XXXX | 756 | No | No | [Borrower - | Primary Income - Wages]; Borrower Attestation of Employment - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXX | $7,450.00 | 6.740% | $0.00 | None | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXX | XXXX | 37.000% | No | 26 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 7.5 | Yes | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000075293 | XXXX | N/A | No | No | XXXX | XXXX | 6.875% | No | No | US Citizen | 1 | $6,180.36 | $807.12 | $515.03 | $67.26 | 0.000% | 0.000% | 0.000% | XXXX | 798 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXX | $0.00 | 1.0 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | XXXX | XXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 1418 | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000076309 | XXXX | Non QM | Yes | No | $3,015.00 | $6,633.76 | 8.474% | XXXX | XXXX | 8.830% | No | No | Employed | Employed | Permanent Resident Alien | US Citizen | $8,168.06 | 1 | $5,595.12 | $1,101.00 | $466.26 | $91.75 | 41.657% | 43.799% | 41.657% | XXXX | 799 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2025 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | Yes | XXXX | $3,015.00 | 6.830% | $0.00 | None | N/A | No | 8.830% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXX | XXXX | 26.000% | No | 26 | 26 | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 3.19 | No | $0.00 | $5,800.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000076086 | XXXX | N/A | No | No | XXXX | XXXX | 8.250% | No | No | US Citizen | 1 | $11,356.44 | $2,137.92 | $946.37 | $178.16 | 0.000% | 0.000% | 0.000% | XXXX | 731 | No | No | DSCR | 1 | 0 | 0 | No | XXXX | $0.00 | 1.0 | N/A | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.68 | 1.47 | XXXX | XXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 44.15 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000077536 | XXXX | N/A | No | No | XXXX | XXXX | 7.625% | No | No | US Citizen | 1 | $10,164.00 | $2,333.88 | $847.00 | $194.49 | 0.000% | 0.000% | 0.000% | XXXX | 760 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXX | $0.00 | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.41 | 0.71 | XXXX | XXXX | 8.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 16.19 | Yes | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074898 | XXXX | N/A | No | No | XXXX | XXXX | 8.500% | No | No | US Citizen | 2 | $14,775.00 | $1,059.96 | $1,231.25 | $88.33 | 0.000% | 0.000% | 0.000% | XXXX | 793 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | N/A | No | 8.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | XXXX | XXXX | 34.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 10.87 | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000075746 | XXXX | N/A | No | No | XXXX | XXXX | 8.125% | No | No | US Citizen | 1 | $1,040.04 | $1,956.00 | $86.67 | $163.00 | 0.000% | 0.000% | 0.000% | XXXX | 777 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 2.8 | N/A | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.82 | 1.22 | XXXX | XXXX | 2.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 17.75 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000076292 | XXXX | N/A | No | No | XXXX | XXXX | 7.875% | No | No | 0 | US Citizen | US Citizen | 1 | $17,602.68 | $720.00 | $1,466.89 | $60.00 | 0.000% | 0.000% | 0.000% | XXXX | 763 | Level 2-Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 3.9 | No | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.75 | 1.33 | XXXX | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | Yes | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 109.24 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000075967 | XXXX | N/A | No | No | XXXX | XXXX | 7.500% | No | No | US Citizen | 1 | $2,678.04 | $798.96 | $223.17 | $66.58 | 0.000% | 0.000% | 0.000% | XXXX | 745 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.35 | 0.74 | XXXX | XXXX | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 239.36 | Yes | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074489 | XXXX | Non QM | Yes | No | $45,273.30 | $51,405.14 | 7.235% | XXXX | XXXX | 6.999% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $55,002.87 | 1 | $35,750.04 | $3,179.04 | $2,979.17 | $264.92 | 36.786% | 36.786% | 36.786% | XXXX | 772 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - P&L Statement Only]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - P&L Statement Only]; Other - 2025 [Coborrower(s) - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Coborrower(s) - | Primary Income - P&L Statement Only]; Third Party Verification - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | Yes | XXXX | $45,273.30 | 6.810% | $0.00 | 2.0 | None | No | No | 6.999% | 0 | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXX | XXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 19.48 | No | No | $43,505.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000077342 | XXXX | N/A | No | No | XXXX | XXXX | 6.750% | No | No | US Citizen | 1 | $6,934.80 | $2,676.72 | $577.90 | $223.06 | 0.000% | 0.000% | 0.000% | XXXX | 747 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXX | $0.00 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.1 | 0.91 | XXXX | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 67.47 | Yes | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074796 | XXXX | N/A | No | No | XXXX | XXXX | 8.750% | No | No | US Citizen | US Citizen | 1 | $10,125.00 | $2,895.96 | $843.75 | $241.33 | 0.000% | 0.000% | 0.000% | XXXX | 752 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 1.0 | Yes | No | 8.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.67 | 1.48 | XXXX | XXXX | 32.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | 39.77 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000076473 | XXXX | N/A | No | No | $14,820.49 | $15,306.10 | 9.088% | XXXX | XXXX | 8.875% | No | No | Self-Employed | US Citizen | $38,821.66 | 1 | $10,962.48 | $2,391.00 | $913.54 | $199.25 | 21.654% | 21.654% | 21.654% | XXXX | 685 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $14,820.49 | 6.740% | $14,000.00 | 1.0 | None | Yes | No | 8.875% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXX | XXXX | 3.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 30.45 | No | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000075817 | XXXX | Non QM | Yes | No | $4,895.00 | $8,805.92 | 6.795% | XXXX | XXXX | 6.749% | No | No | Self-Employed | US Citizen | $21,398.64 | 1 | $11,419.92 | $6,405.00 | $951.66 | $533.75 | 41.489% | 41.489% | 41.489% | XXXX | 807 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2020 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $4,895.00 | 6.880% | $0.00 | 3.0 | None | No | No | 6.749% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 52.86 | No | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000076115 | XXXX | Non QM | Yes | No | $8,489.25 | $12,920.29 | 8.492% | XXXX | XXXX | 9.330% | No | No | Employed | Permanent Resident Alien | $7,043.87 | 1 | $9,623.76 | $1,359.96 | $801.98 | $113.33 | 44.754% | 42.597% | 44.754% | XXXX | 807 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXX | $8,489.25 | 6.830% | $10,000.00 | 1.0 | None | N/A | No | 9.330% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXX | XXXX | 19.000% | No | 26 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 0.08 | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000077341 | XXXX | N/A | No | No | XXXX | XXXX | 6.500% | No | No | US Citizen | 1 | $3,654.12 | $2,761.80 | $304.51 | $230.15 | 0.000% | 0.000% | 0.000% | XXXX | 701 | No | No | DSCR | 2 | 0 | 0 | 0 | Yes | XXXX | $0.00 | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.28 | 0.78 | XXXX | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 40.53 | Yes | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000075459 | XXXX | Non QM | Yes | No | $6,525.04 | $11,255.07 | 8.710% | XXXX | XXXX | 9.334% | No | No | Employed | Non-Permanent Resident Alien | XXXX | $12,124.32 | 1 | $13,399.20 | $1,188.00 | $1,116.60 | $99.00 | 38.299% | 38.234% | 38.299% | XXXX | 722 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | Yes | XXXX | $6,525.04 | 6.830% | $10,000.00 | 1.0 | None | Yes | No | 9.334% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXX | XXXX | 12.000% | No | 28 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Employment Authorization | 8.18 | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074255 | XXXX | N/A | No | No | XXXX | XXXX | 7.500% | No | No | US Citizen | US Citizen | 1 | $8,362.56 | $878.04 | $696.88 | $73.17 | 0.000% | 0.000% | 0.000% | XXXX | 668 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXX | $0.00 | 2.5 | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.82 | 1.22 | XXXX | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 39.65 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074901 | XXXX | N/A | No | No | $0.00 | 7.210% | XXXX | XXXX | 7.250% | No | No | Employed | Not Employed | US Citizen | US Citizen | $13,833.69 | 1 | $1,630.08 | $603.96 | $135.84 | $50.33 | 29.226% | 29.226% | 29.226% | XXXX | 791 | No | No | [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXX | 6.810% | $0.00 | 1.0 | LP / LPA | Accept/Eligible | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | XXXX | XXXX | 100.000% | No | 28 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 215.6 | No | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000076108 | XXXX | N/A | No | No | $37,165.00 | $17,211.60 | 7.745% | XXXX | XXXX | 7.500% | No | No | Employed | US Citizen | $14,117.71 | 1 | $11,000.04 | $338.04 | $916.67 | $28.17 | 29.412% | 29.412% | 29.412% | XXXX | 813 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXX | $37,165.00 | 6.740% | $0.00 | 1.0 | None | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXX | XXXX | 28.000% | No | 25 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 2.82 | No | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000076148 | XXXX | N/A | No | No | XXXX | XXXX | 7.250% | No | No | US Citizen | 1 | $8,012.88 | $2,482.44 | $667.74 | $206.87 | 0.000% | 0.000% | 0.000% | XXXX | 809 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 1.0 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.9 | 1.11 | XXXX | XXXX | 41.000% | No | Yes | Commitment | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 20.98 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074865 | XXXX | N/A | No | No | XXXX | XXXX | 7.750% | No | No | US Citizen | 1 | $5,509.08 | $2,315.16 | $459.09 | $192.93 | 0.000% | 0.000% | 0.000% | XXXX | 693 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 1.0 | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.05 | 0.95 | XXXX | XXXX | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 17.48 | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074608 | XXXX | Non QM | Yes | No | $8,990.00 | $11,496.64 | 7.347% | XXXX | XXXX | 7.125% | No | No | Self-Employed | US Citizen | $5,703.13 | 1 | $9,861.72 | $1,503.96 | $821.81 | $125.33 | 47.802% | 47.802% | 47.802% | XXXX | 798 | No | Yes | 24 | Business | 100.000% | 75.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 75.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 75.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 75.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 75.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 75.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $8,990.00 | 6.810% | $0.00 | 1.0 | None | N/A | No | 7.125% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXX | XXXX | 79.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 75.26 | Yes | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074667 | XXXX | N/A | No | No | XXXX | XXXX | 8.125% | No | No | US Citizen | 1 | $4,459.20 | $1,274.04 | $371.60 | $106.17 | 0.000% | 0.000% | 0.000% | XXXX | 762 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 3.9 | No | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.02 | 0.98 | 240 | XXXX | XXXX | 32.000% | No | Yes | Short Form | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 13.11 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000073432 | XXXX | Non QM | Yes | No | $6,610.00 | $9,142.64 | 9.299% | XXXX | XXXX | 9.125% | No | No | Self-Employed | US Citizen | $19,504.83 | 1 | $3,573.72 | $6,909.36 | $297.81 | $575.78 | 37.811% | 37.811% | 37.811% | XXXX | 668 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $6,610.00 | 6.880% | $0.00 | 1.7 | None | Yes | No | 9.125% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXX | XXXX | 2.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 9.72 | No | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000072909 | XXXX | N/A | No | No | $30,451.50 | $22,810.10 | 6.997% | XXXX | XXXX | 6.875% | No | No | Self-Employed | US Citizen | $55,004.89 | 1 | $33,352.08 | $1,009.20 | $2,779.34 | $84.10 | 48.330% | 48.330% | 48.330% | XXXX | 773 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2023 [Borrower - | Primary Income - P&L Statement Only]; Other - 2021 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXX | $30,451.50 | 6.650% | $0.00 | 1.0 | None | Yes | No | 6.875% | 0 | 0 | 0 | 2 | 0 | 12.00 | No | XXXX | XXXX | No | Yes | Preliminary | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | No | 44.02 | No | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074719 | XXXX | N/A | No | No | XXXX | XXXX | 8.500% | No | No | US Citizen | 1 | $11,786.88 | $2,333.04 | $982.24 | $194.42 | 0.000% | 0.000% | 0.000% | XXXX | 713 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 1.0 | Yes | No | 8.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.77 | 1.3 | XXXX | XXXX | 77.000% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 54.65 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000072693 | XXXX | Non QM | Yes | No | $27,740.00 | $34,931.00 | 7.857% | XXXX | XXXX | 7.750% | No | No | Employed | Self-Employed | US Citizen | US Citizen | $31,704.08 | 1 | $42,011.16 | $16,458.00 | $3,500.93 | $1,371.50 | 45.434% | 37.598% | 45.434% | XXXX | 797 | No | No | [Borrower - | Primary Income - Wages]; Employer Letter - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Borrower - | Non-Primary Income - Wages]; Employer Letter - 2025 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2025 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2025 [Borrower - | Non-Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Non-Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2024 [Borrower - | Non-Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Sole Proprietor]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; P&L Statement - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; P&L Statement - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; Account Transcripts - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Account Transcripts - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; Account Transcripts - 2024 [Coborrower]; Transcripts (1040) - No Results Returned - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Account Transcripts - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | Yes | XXXX | $27,740.00 | 6.800% | $0.00 | 2.4 | None | No | No | 7.750% | 2 | 0 | 1 | 0 | 3 | 2 | 0.00 | No | 240 | XXXX | XXXX | No | 13 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 59.33 | No | $24,102.17 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000076491 | XXXX | N/A | No | Yes | $0.00 | 7.588% | XXXX | XXXX | 7.625% | No | No | Self-Employed | US Citizen | $6,802.18 | 1 | $8,334.72 | $1,139.04 | $694.56 | $94.92 | 49.189% | 49.189% | 49.189% | XXXX | 811 | No | No | [Borrower - | Primary Income - Partnership (>= 25%)]; CPA Letter - 2025 [Borrower - | Primary Income - Partnership (>= 25%)]; Other - 2025 [Borrower - | Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2022 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | XXXX | 6.800% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 7.625% | 0 | 1 | 0 | 3 | 0 | No | XXXX | XXXX | 4.000% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 9.09 | No | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000072757 | XXXX | Non QM | Yes | No | $13,068.75 | $20,447.16 | 7.547% | XXXX | XXXX | 7.250% | No | No | Not Employed | Self-Employed | US Citizen | US Citizen | $12,226.27 | 1 | $6,780.12 | $3,219.96 | $565.01 | $268.33 | 45.333% | 45.333% | 45.333% | XXXX | 754 | No | Yes | 12 | Business | 100.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $13,068.75 | 6.650% | $3,500.00 | 4.4 | None | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | XXXX | XXXX | 29.000% | No | Yes | Short Form | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | 10.58 | Yes | No | $22,364.82 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000076286 | XXXX | Non QM | Yes | No | $6,615.00 | $9,887.63 | 7.343% | XXXX | XXXX | 7.125% | No | No | Employed | Permanent Resident Alien | $6,564.03 | 1 | $7,937.52 | $846.96 | $661.46 | $70.58 | 38.128% | 38.128% | 38.128% | XXXX | 721 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXX | $6,615.00 | 6.740% | $14,000.00 | None | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXX | XXXX | 44.000% | No | 6 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 16.27 | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000076672 | XXXX | Non QM | Yes | No | $25,018.60 | $4,819.35 | 6.922% | XXXX | XXXX | 6.875% | No | No | Self-Employed | US Citizen | $14,632.10 | 1 | $5,022.60 | $4,224.00 | $418.55 | $352.00 | 25.024% | 25.024% | 25.024% | XXXX | 723 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $25,018.60 | 6.740% | $23,500.00 | 1.3 | None | Yes | No | 6.875% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXX | XXXX | 9.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | 17.78 | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000076302 | XXXX | N/A | No | No | XXXX | XXXX | 7.000% | No | No | Permanent Resident Alien | 1 | $6,913.80 | $9,819.96 | $576.15 | $818.33 | 0.000% | 0.000% | 0.000% | XXXX | 726 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXX | $0.00 | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.16 | 0.87 | XXXX | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 84.53 | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000076732 | XXXX | Non QM | Yes | No | $9,704.00 | $0.00 | 6.606% | XXXX | XXXX | 6.625% | No | No | Not Employed | Non-Employment Income | US Citizen | US Citizen | $11,072.16 | 1 | $15,624.96 | $2,377.08 | $1,302.08 | $198.09 | 29.888% | 29.888% | 29.888% | XXXX | 756 | Yes | No | [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2025 [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | No | XXXX | $9,704.00 | 6.800% | $19,737.33 | 1.0 | None | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | XXXX | XXXX | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 392.77 | No | No | $15,792.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074813 | XXXX | N/A | No | No | XXXX | XXXX | 7.750% | No | No | US Citizen | 1 | $1,832.16 | $306.00 | $152.68 | $25.50 | 0.000% | 0.000% | 0.000% | XXXX | 735 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 2.8 | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | XXXX | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 68.01 | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000075916 | XXXX | N/A | No | No | $44,046.25 | $18,637.41 | 7.051% | XXXX | XXXX | 6.750% | No | No | Self-Employed | US Citizen | $407,062.59 | 1 | $5,563.08 | $1,806.00 | $463.59 | $150.50 | 6.756% | 6.756% | 6.756% | XXXX | 742 | No | Yes | 12 | Personal | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Yes | XXXX | $44,046.25 | 6.740% | $0.00 | None | N/A | No | 6.750% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXX | XXXX | 50.000% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 26.49 | No | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000077336 | XXXX | N/A | No | No | XXXX | XXXX | 6.875% | No | No | US Citizen | 1 | $5,993.64 | $1,277.04 | $499.47 | $106.42 | 0.000% | 0.000% | 0.000% | XXXX | 767 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXX | $0.00 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.24 | 0.8 | XXXX | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 13.46 | Yes | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000077337 | XXXX | N/A | No | No | XXXX | XXXX | 6.875% | No | No | US Citizen | 1 | $4,121.04 | $963.96 | $343.42 | $80.33 | 0.000% | 0.000% | 0.000% | XXXX | 767 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXX | $0.00 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.93 | 1.08 | XXXX | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 27.49 | Yes | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000077534 | XXXX | N/A | No | No | XXXX | XXXX | 7.750% | No | No | 0 | 0 | US Citizen | US Citizen | US Citizen | 1 | $3,769.56 | $8,544.96 | $314.13 | $712.08 | 0.000% | 0.000% | 0.000% | XXXX | 734 | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | Yes | XXXX | $0.00 | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.1 | 0.91 | XXXX | XXXX | 64.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 61.41 | Yes | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074999 | XXXX | Non QM | Yes | No | $2,726.00 | $5,128.16 | 7.099% | XXXX | XXXX | 7.000% | No | No | Self-Employed | Permanent Resident Alien | $8,292.75 | 1 | $4,834.32 | $2,982.96 | $402.86 | $248.58 | 35.585% | 35.585% | 35.585% | XXXX | 740 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2025 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXX | $2,726.00 | 6.810% | $5,000.00 | 2.3 | None | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXX | XXXX | 28.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 18.42 | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000078309 | XXXX | N/A | No | No | XXXX | XXXX | 7.500% | No | No | US Citizen | 1 | $21,010.44 | $8,141.04 | $1,750.87 | $678.42 | 0.000% | 0.000% | 0.000% | XXXX | 721 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXX | $0.00 | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | XXXX | XXXX | 30.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 10.54 | Yes | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000076403 | XXXX | N/A | No | No | XXXX | XXXX | 7.625% | No | No | US Citizen | US Citizen | 1 | $1,123.32 | $813.00 | $93.61 | $67.75 | 0.000% | 0.000% | 0.000% | XXXX | 757 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXX | $0.00 | 1.5 | Yes | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | XXXX | XXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 1936 | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074073 | XXXX | Non QM | Yes | No | $9,417.20 | $13,345.28 | 7.918% | XXXX | XXXX | 8.350% | No | No | Employed | US Citizen | $16,172.41 | 1 | $14,052.72 | $2,238.12 | $1,171.06 | $186.51 | 46.271% | 48.276% | 46.271% | XXXX | 756 | No | No | [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | Yes | XXXX | $9,417.20 | 6.780% | $0.00 | 2.6 | None | N/A | No | 8.350% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXX | XXXX | No | 27 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 12.37 | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074802 | XXXX | N/A | No | No | XXXX | XXXX | 7.250% | No | No | US Citizen | 1 | $1,770.72 | $1,598.04 | $147.56 | $133.17 | 0.000% | 0.000% | 0.000% | XXXX | 785 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXX | $0.00 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.33 | 0.75 | XXXX | XXXX | 62.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 42.5 | Yes | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074335 | XXXX | N/A | No | No | $6,398.50 | $7,665.16 | 8.004% | XXXX | XXXX | 7.490% | No | No | Not Employed | Employed | Not Employed | 0 | US Citizen | US Citizen | $10,194.52 | 1 | $2,062.08 | $449.64 | $171.84 | $37.47 | 25.410% | 25.410% | 25.410% | XXXX | 759 | Level 3-Stated/Partially Verified | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | No | No | [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXX | $6,398.50 | 6.700% | $0.00 | 1.9 | None | Yes | No | 7.490% | 0 | 2 | 0 | 0 | 0 | 0 | 0.00 | No | XXXX | XXXX | 46.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 22.95 | No | No | $0.00 | $13,667.35 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000073212 | XXXX | Non QM | Yes | No | $10,209.00 | $12,200.76 | 8.077% | XXXX | XXXX | 7.875% | No | No | Employed | Employed | US Citizen | US Citizen | $8,472.45 | 1 | $17,656.92 | $5,126.04 | $1,471.41 | $427.17 | 48.137% | 48.137% | 48.137% | XXXX | 749 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2022 |
[Borrower]; 4506-C - 2024 [Borrower]; Account Transcripts - 2024 [Borrower]; 4506-C - 2023 [Borrower]; Account Transcripts - 2023 [Borrower]; 4506-C - 2022 [Borrower]; Account Transcripts - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; Account Transcripts - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; Account Transcripts - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; Account Transcripts - 2022 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXX | $10,209.00 | 6.620% | $4,094.92 | 1.3 | None | No | No | 7.875% | 1 | 3 | 0 | 0 | 3 | 3 | 0.00 | No | XXXX | XXXX | 30.000% | No | 28 | 28 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | Yes | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 28.37 | Yes | No | $0.00 | $7,503.05 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000074877 | XXXX | N/A | No | Yes | $0.00 | 6.856% | XXXX | XXXX | 6.875% | No | No | Employed | Not Employed | US Citizen | US Citizen | $10,735.64 | 1 | $6,875.04 | $863.04 | $572.92 | $71.92 | 38.498% | 38.498% | 38.498% | XXXX | 788 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXX | 6.810% | $0.00 | 1.0 | DU | ApproveEligible | No | No | 6.875% | 2 | 0 | 1 | 0 | 0 | 0 | 0.00 | No | XXXX | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 62.43 | No | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000076313 | XXXX | N/A | No | No | $70,789.50 | $47,678.62 | 8.706% | XXXX | XXXX | 7.375% | No | No | Employed | Employed | US Citizen | US Citizen | $11,892.18 | 1 | $18,333.12 | $1,881.96 | $1,527.76 | $156.83 | 37.188% | 43.716% | 42.415% | XXXX | 809 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2025 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXX | $70,789.50 | 6.830% | $0.00 | None | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXX | XXXX | 32.000% | No | 7 | 7 | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 0.11 | No | Yes | $0.00 | $8,500.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000075711 | XXXX | N/A | No | No | XXXX | XXXX | 7.625% | No | No | US Citizen | 1 | $9,913.32 | $1,932.96 | $826.11 | $161.08 | 0.000% | 0.000% | 0.000% | XXXX | 740 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | 1.0 | Yes | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.64 | 1.56 | XXXX | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 5.79 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000073398 | XXXX | N/A | No | No | XXXX | XXXX | 7.375% | No | No | US Citizen | 3 | $15,624.96 | $3,536.04 | $1,302.08 | $294.67 | 0.000% | 0.000% | 0.000% | XXXX | 755 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.05 | 0.95 | XXXX | XXXX | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 114.22 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000078079 | XXXX | N/A | No | No | XXXX | XXXX | 7.000% | No | No | US Citizen | 2 | $10,472.04 | $1,743.00 | $872.67 | $145.25 | 0.000% | 0.000% | 0.000% | XXXX | 665 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.7 | 0.59 | XXXX | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 110.56 | Yes | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000078355 | XXXX | N/A | No | No | XXXX | XXXX | 6.875% | No | No | US Citizen | 1 | $7,860.00 | $662.04 | $655.00 | $55.17 | 0.000% | 0.000% | 0.000% | XXXX | 808 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXX | $0.00 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.34 | 0.75 | XXXX | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 115.83 | Yes | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000077994 | XXXX | N/A | No | No | XXXX | XXXX | 7.000% | No | No | US Citizen | 2 | $11,547.96 | $1,584.00 | $962.33 | $132.00 | 0.000% | 0.000% | 0.000% | XXXX | 665 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $0.00 | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.29 | 0.78 | XXXX | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 113.77 | Yes | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000076314 | XXXX | N/A | No | No | XXXX | XXXX | 7.990% | No | No | Non-Permanent Resident Alien | 1 | $14,082.12 | $1,452.00 | $1,173.51 | $121.00 | 0.000% | 0.000% | 0.000% | XXXX | 681 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXX | $0.00 | No | No | 7.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.13 | 0.89 | XXXX | XXXX | 45.000% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 8.94 | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000078626 | XXXX | N/A | No | No | XXXX | XXXX | 7.375% | No | No | US Citizen | 1 | $6,562.56 | $1,863.00 | $546.88 | $155.25 | 0.000% | 0.000% | 0.000% | XXXX | 722 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXX | $0.00 | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | XXXX | XXXX | 10.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 16.52 | No | $0.00 | $0.00 | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000078105 | XXXX | N/A | No | No | XXXX | XXXX | 6.875% | No | No | US Citizen | 1 | $10,983.72 | $1,118.04 | $915.31 | $93.17 | 0.000% | 0.000% | 0.000% | XXXX | 811 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXX | $0.00 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | XXXX | XXXX | 48.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 7.84 | Yes | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000078653 | XXXX | N/A | No | No | XXXX | XXXX | 7.750% | No | No | US Citizen | 1 | $11,993.28 | $1,359.96 | $999.44 | $113.33 | 0.000% | 0.000% | 0.000% | XXXX | 755 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXX | $0.00 | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.77 | 1.29 | XXXX | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 33.53 | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000078628 | XXXX | N/A | No | No | XXXX | XXXX | 7.375% | No | No | Permanent Resident Alien | 1 | $6,045.00 | $1,737.96 | $503.75 | $144.83 | 0.000% | 0.000% | 0.000% | XXXX | 760 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXX | $0.00 | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.49 | 0.67 | XXXX | XXXX | 37.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 4.21 | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000077649 | XXXX | N/A | No | No | XXXX | XXXX | 7.000% | No | No | Non-Permanent Resident Alien | 1 | $9,738.84 | $2,984.88 | $811.57 | $248.74 | 0.000% | 0.000% | 0.000% | XXXX | 750 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXX | $0.00 | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.3 | 0.77 | XXXX | XXXX | 47.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 4.86 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000078658 | XXXX | N/A | No | No | XXXX | XXXX | 7.000% | No | No | US Citizen | 2 | $7,340.52 | $1,118.04 | $611.71 | $93.17 | 0.000% | 0.000% | 0.000% | XXXX | 788 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXX | $0.00 | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.31 | 0.76 | XXXX | XXXX | 57.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 7.76 | No | $0.00 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000077164 | XXXX | Non QM | Yes | No | $81,995.00 | $86,744.50 | 7.923% | XXXX | XXXX | 7.625% | No | No | Self-Employed | Self-Employed | Permanent Resident Alien | Permanent Resident Alien | $52,812.54 | 1 | $35,967.60 | $9,347.64 | $2,997.30 | $778.97 | 36.216% | 36.216% | 36.216% | XXXX | 737 | No | Yes | 36 | Personal, Business | 100.000% | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2016 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2016 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; CPA Letter - 2025 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; Other - 2025 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; Other - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Borrower]; 1084 or income worksheet - Year Not Available [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXX | $81,995.00 | 6.800% | $40,000.00 | None | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 12 | 0.00 | No | XXXX | XXXX | 39.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | Resident Alien Card | 157.34 | No | $16,871.79 | $0.00 | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 4000079412 | XXXX | N/A | No | No | XXXX | XXXX | 7.250% | No | No | Permanent Resident Alien | 2 | $7,512.60 | $2,883.96 | $626.05 | $240.33 | 0.000% | 0.000% | 0.000% | XXXX | 749 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXX | $0.00 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.16 | 0.87 | XXXX | XXXX | 40.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 98 | 8.08 | No | $0.00 | $0.00 | No | No | No | No |