Exhibit 99.1

EXECUTIVE SUMMARY

DESCRIPTION OF SERVICES

(1) Type of assets that were reviewed.

AMC Diligence, LLC (“AMC” or “SitusAMC”) performed the due diligence services described below (the “Review”) on residential Loans originated by multiple correspondent lenders and acquired directly via reliance letter by Santander or its affiliates (the “Client”). The Review, which includes reliance letter Loans where an initial review was performed for such party, was conducted from November 2024 through March 2025 on Loans with origination dates from June 2024 through April 2025 via files imaged and provided by the Client for review. The Review included loans reviewed under the Credit and Compliance Scope (37 loans), and the Business Purpose Scope (49 loans). The loans reviewed using the Credit and Compliance Scope and Business Purpose Scope are together referred to as the mortgage loans.

(2) Sample size of the assets reviewed.

The final population of the Review contained eighty-six (86) Loans totaling an aggregate original principal balance of approximately $57.215 million (the “Loans”).

(3) Determination of the sample size and computation.

The Review was conducted consistent with the criteria for the nationally recognized statistical rating organizations, NRSRO(s).

(4) Quality or integrity of information or data about the assets: review and methodology.

AMC compared data fields on the bid tape provided by the Client to the data found in the actual mortgage loan file as captured by AMC. This comparison, when data was available (please note that not all fields were available for all Loans during the Review) and relevant for the Scope in question, included the following data fields:

# of Units	Decision System	Original CLTV
Amortization Term	Doc Type	Original HLTV
Amortization Type	Escrow Account	Original Interest Rate
Appraisal As-Is Value	First Payment Date	Original Interest Rate Period
Appraisal Effective Date	Has FTHB	Original Loan Amount
Appraised Value	Index Type	Original LTV
Blanket Mortgage?	Interest Only	Original P&I
Borrower Citizenship	Interest Only Period	Original Term
Borrower EIN	Interest Rate Life Cap	PITIA Reserves Months
Borrower First Name	Interest Rate Life Floor	PMI Coverage %
Borrower FTHB	Investor: Qualifying Total Debt Ratio	Prepayment Penalty Period (months)
Borrower Last Name	Last Property Transfer Date	Product Description
Borrower SSN	Lien Position	Property Type
Cash From Borrower	Loan Property Count	Purpose
Cash To Borrower	Loan to Cost (LTC)	Refi Purpose
City	LTV Valuation Value	Representative FICO
Coborrower Citizenship	Margin	State
Coborrower First Name	Maturity Date	Street
Coborrower FTHB	Mortgage Type	Subject Debt Service Coverage Ratio
Coborrower Last Name	Neg Am	Total Income
Coborrower SSN	Note Date	Universal Loan Identifier (ULI)
Contract Sales Price	Occupancy	Zip

Additionally, AMC verified (i) listed borrowers signed documents requiring signature, (ii) borrowers signing documents were eighteen (18) years or older at the time of the mortgage loan origination, (iii) that all riders required by the terms of the mortgage and mortgage note were attached to the respective document, (iv) that social security numbers across documents were consistent, and (v) debt-to-income ratio (“DTI(s)”) and/or loan-to-value ratios (“LTV(s)”) were used in the assessment of conformity guidelines.

(5) Origination of the assets and conformity to stated underwriting or credit extension guidelines, standards, criteria, or other requirements: review and methodology.

AMC reviewed mortgage loan origination documentation to determine conformity with the stated underwriting or credit extension guidelines, standards, criteria or other requirements, including, as applicable, the Ability to Repay and Qualified Mortgage requirements described below, that were provided to AMC and/or as directed by Client. When applicable, a review of the mortgage loan file to the Automated Underwriting System output within the file was also performed.

CREDIT AND COMPLIANCE SCOPE:

AMC reviewed asset origination to determine conformity to the stated underwriting or credit extension guidelines, standards, criteria, or other requirements, including, as applicable, the Ability to Repay and Qualified Mortgage requirements described below, that were provided to AMC. When applicable, a review of the mortgage loan file to the Automated Underwriting System output within the mortgage loan file was also performed.

Credit Application: For the Credit Application, AMC verified that the application: (i) was signed by all listed borrowers, (ii) was substantially filled out, (iii) contained all known borrower-owned properties on the Real Estate Owned section 2, and (iv) included the borrower’s employment history.

Credit Report: AMC’s review included confirming that a credit report, that met guideline requirements, was present for each borrower and that such borrower’s credit profile adhered to the guidelines. In order to make this determination, AMC: (i) captured the monthly consumer debt payments for use in relevant calculations, (ii) noted and researched the Real Estate Owned and fraud alerts, (iii) gathered liabilities listed on the credit report to be included in the debt-to-income ratio as appropriate.

Employment and Income: AMC determined whether applicable supporting employment and income documentation required by the guidelines, and as applicable Appendix Q or ATR, was present in the mortgage loan file and where possible, wasn’t fraudulent. This documentation was used to verify whether the income used to qualify the mortgage loan was calculated in accordance with the guidelines and may have included items such as: (i) verbal or written verification of employment, (ii) pay stubs, (iii) W-2 forms, (iv) tax returns, (v) financial statements, (vi) IRS tax transcripts, and (vii) Bank Statements.

Asset Review: AMC assessed whether the asset documentation required by the guidelines, and as applicable, Appendix Q or ATR, was present in the mortgage loan file. Utilizing this documentation, AMC completed a review of the reserve calculation and any large deposits. Documentation verifying assets for down payment, closing costs, prepaid items and reserves may have included: (i) verification-of-deposit (“VOD(s)”), (ii) depository account statements, (iii) stock or security account statements, (iv) gift funds, (v) escrow or earnest money deposits, and (vi) settlement statements or other evidence of conveyance and transfer of funds (if a sale of assets was involved).

Hazard/Flood Insurance/Taxes: A review of the insurance present on the mortgage loan was also performed by AMC. During the course of this review, AMC (i) verified that the hazard insurance met the minimum required amount of coverage in the guidelines, (ii) confirmed that the mortgage clause listed the lender’s name and “its successors and assigns,”, (iii) confirmed that the premium amount on both the hazard and flood insurance matched what was used in the DTI calculations, (iv) reviewed the tax certificate to verify and compare monthly escrows used to calculate DTI matched and that taxes were current, (v) confirmed that the flood certification was for the correct borrower, property, lender and mortgage loan number and was a “Life of Loan” certification, and (vi) completed other property specific items including (a) for condominium properties, confirming that the blanket policy met the minimum amount of coverage in the guidelines and (b) for properties in a flood zone per the flood certification, confirming that flood insurance met guideline requirements and met the minimum required amount of coverage in the guidelines.

DU/LP Review: When provided and appropriate, AMC verified that DU findings included an approved/ineligible decision where required by the guidelines. However, all Loans are manually underwritten with documentation requirements determined by the guidelines and not AUS findings.

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Occupancy Review: AMC confirmed the property occupancy is consistent with the mortgage loan approval and borrowers’ application disclosure based solely on information contained in the mortgage loan file and any fraud report obtained in connection with the mortgage loan.

Guideline Review: During the course of the review, AMC confirmed the mortgage loan was originated in accordance with required guidelines by reviewing conformity of mortgage loan, transaction type, and borrower characteristics to stated guidelines. Mortgage characteristics examined included (i) DTI of the borrower, (ii) the LTV/TLTV/HTLTV, (iii) the credit score for each borrower, (iv) asset reserves of the borrower, (v) property type, (vi) property usage, and (vii) other property specific items including, for condominium or cooperative properties, assessing whether the condominium or cooperative project adheres to required guidelines.

Fraud Review: AMC reviewed fraud report results in each mortgage loan file, to the extent present, in conjunction with source documents found in the mortgage loan file to assess the likelihood of any misrepresentations associated with the origination of the mortgage loan. If the mortgage loan file did not contain a fraud report and the counterparty did not produce one, AMC conditioned the mortgage loan for the missing fraud report product.

If a report was present, AMC reviewed the report for (i) any name variations for the borrowers, (ii) any social security number variations for the borrowers, (iii) any potential occupancy issues based on the borrower’s address history, (iv) any noted employment issues, and (v) any additional consumers associated with the borrower’s profile. If any findings were noted, AMC confirmed that such findings and/or variations were addressed by the originator in the origination of the asset or that such red flag issues were fully addressed via mortgage loan documentation provided.

Title Review: AMC’s review included a review of the chain of title and the duration of ownership by the seller or borrower (whichever is applicable) satisfied the guidelines. Included in this review was a verification of whether the appropriate vestee was on the title documentation (if a purchase, the seller; if a refinance, the borrower) and that the title commitment addressed issues such as assessments; covenants, conditions and restrictions; access problems; vicinity of property to military airports; prior leases; court orders/divorce decrees; public probate issues; foreclosures; bankruptcies; judgment liens; state and federal tax liens; environmental liens, and oil/gas leases.

Additional Review of Mortgage Loan File: AMC also reviewed the closing documents to ensure that the mortgage loan file information is complete, accurate, and contains consistent documentation. Included in the portion of the review are items such as reviewing for (i) evidence of primary mortgage insurance, (ii) if the property is located in an area that was listed as a FEMA disaster zone post origination, (iii) the presence of loan modification documents, and (iv) general conformity to Fannie Mae or Freddie Mac approved formats at the time of origination.

BUSINESS PURPOSE SCOPE

Each loan, reviewed under this scope, was reviewed for adherence to the relevant credit policy as indicated by the Client. For this review, procedures followed included:

	§	Reviewing the provided Note, Mortgage/DOT, and Guaranty Agreement(s) to confirm execution, adherence to the credit policy, and agreement with other Loan Approval documentation.
	§	Examining appraisal reports, BPO’s, and appraisal reviews to determine if the property type is consistent with underwritten property type and usage (such as evidence/an indication of either owner or tenant occupancy) and comparing this information against other relevant information contained within applicable sections of the loan file to evaluate consistency, accuracy, and adherence to the credit policy.
	§	Reviewing environmental reporting, Flood Certification, and Evidence of Insurance to confirm accuracy and adherence to credit policy requirements.
	§	Reviewing credit reporting, VOR/VOM, Background Check(s), and any applicable Letter(s) of Explanation to confirm accuracy, adherence to credit policy requirements, and consistency with the Final Loan Approval worksheet.
	§	Reviewing HUD-1’s, Title Search, Purchase Agreements, existing leases/rent rolls, and verification of funds with loan terms, and underwritten approved terms and amounts/LTV/LTC as well as adherence to credit policy requirements.
	§	Reviewing LOI/LOE(s) for presence of un-qualified statement of business and occupancy intent, confirmation that the LOI/LOE cited address is consistent with the subject property address, and that signatory(s) are consistent with the identified borrower(s)/guarantor(s).
	§	Reviewing Final Form 1003/Loan application to ensure complete execution that the subject property listed is consistent with the subject property, and that the listed residence for the Individual(s) is an address other than the subject property.

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	§	Confirming, if applicable, business license(s) and P&L’s are present, valid, and adhere to credit policy requirements.
	§	Confirming, if applicable, second mortgage documents are present, valid, align with approved terms amounts, and adhere to credit policy requirements.
	§	Reviewing final loan approval worksheets for accuracy, completion, documentation of approval for any exceptions, and evaluating such items for agreement/consistency with all other documentation contained in the review file.
	§	Reviewing the Certification of Business Purpose and Certification of Non-Owner Occupancy and Indemnity for presence of completed fields and verifying that the handwritten Primary Residence address differs from the subject property address and is signed/dated as required.
	§	Verifying presence of a complete Certification of Non-Owner Occupancy and Indemnity document for each individual borrower/co-borrower/guarantor identified within the subject note/guaranty agreement, including the presence of either individual certifications or one certificate containing all required signatures.
	§	Comparing the Primary Residence address(es) listed for consistency between the Final Form 1003/Loan application(s) and the Certification(s) of Non-Owner Occupancy and Indemnity.
	§	Documenting any non-approved credit policy exceptions and/or inconsistencies and reporting and/or marking such items for further dialogue.
	§	Gathering the components of the DSCR from source documentation provided in the loan file during the course of the review. Where applicable, AMC sums per the guidelines the principal and interest payment as well as the tax, insurance and HOA payment to arrive at a monthly property expense. This number is used as the denominator to the monthly lease or estimated lease income as per the guidelines.

Documents reviewed include the following items (* = where applicable):

Note	Business License*	Flood certificates
Guaranty Agreement(s)*	Business P&L’s*	Purchase agreement(s)*
Deed of Trust / Mortgage	Verification of down payment funds/ funds to close / reserve funds*	Final HUD-1
Non-Owner-Occupancy & Business – Purpose Letter of Intent (LOI) / Letter of Explanation (LOE)	Appraisal Report	Title Search Documentation
Final Form 1003 / Loan Application(s)	Broker Price Opinion and market rent addendum*	Evidence of Hazard / Liability / Flood Insurance coverage
Credit Report(s)	Appraisal Review documentation*	Second mortgage documentation*
Verification of Rent / Mortgage (VOR/VOM) payment history*	Existing Leases*	Certification(s) of Business purpose of loan
Identification / proof of residency status	Rent Roll*	Certification(s) of Non-Owner Occupancy and Indemnity*
Background check	Environmental reports

(6) Value of collateral securing the assets: review and methodology.

AMC’s review included a review of the valuation materials utilized during the origination of the loan and in confirming the value of the underlying property. AMC’s review included verifying the appraisal report was (i) on the appropriate GSE form, (ii) materially complete, (iii) in conformity with the guideline requirements for the property type in question, (iv) completed by an appraiser that was actively licensed to perform the valuation, (v) completed such that the named client on the appraisal report is the lender or a related entity that is permitted to engage the lender per Title XI of FIRREA, (vi) made and signed prior to the final approval of the mortgage loan application, (vii) completed and dated within the guideline requirements, (viii) made on an “as is” basis or provides satisfactory evidence of completion of all material conditions including all inspections, licenses, and certificates (including certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same, have been made or obtained from the appropriate authorities.

With regard to the use of comparable properties, AMC’s review (i) captured the relative comparable data (gross and net adjustments, sale dates and distance from subject property) and ensured that such comparable properties are within standard appraisal guidelines; (ii) confirmed the property value and square footage of the subject property was bracketed by comparable properties, (iii) verified that comparable properties used are similar in size, style, and location to the subject, and (iv) checked for the reasonableness of adjustments when reconciling value between the subject property and comparable properties.

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Other aspects of AMC’s review included (i) verifying that the address matched the mortgage note, (ii) verifying that the appraisal and the policies and procedures with regard to appraisal, including the appropriate level of review, when originating the mortgage loan, were followed, (iii) noting whether the property zip code was declared a FEMA disaster area after the valuation date and notifying the Client of same (iv) confirming the appraisal report does not include any apparent environmental problems, (v) confirming the appraisal notes the current use of the property is legal or legal non-conforming (grandfathered), (vi) reviewing pictures to ensure (a) that the property is in average or better condition and any repairs are noted where required and (b) that the subject property is the one for which the valuation was ordered and that there are no negative external factors; and (vii) confirming that the value product that was used as part of the origination decision was directly accessible to AMC. If more than one valuation was provided, AMC confirmed consistency among the valuation products and if there were discrepancies that could not be resolved, AMC created an exception.

(7) Compliance of the originator of the assets with federal, state and local laws and regulations: review and methodology.

Please be advised that AMC did not make a determination as to whether the mortgage loans complied with federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated below. There can be no assurance that the Review uncovered all relevant factors relating to the origination of the mortgage loans, their compliance with applicable law and regulations and the original appraisals relating to the mortgaged properties or uncovered all relevant factors that could affect the future performance of the mortgage loans. Furthermore, the findings reached by AMC are dependent upon its receiving complete and accurate data regarding the mortgage loans from mortgage loan originators and other third parties upon which AMC is relying in reaching such findings.

With regard to TILA-RESPA Integrated Disclosure (“TRID”) testing, AMC implemented the TRID scope of review referenced within the Regulatory Compliance section (III) based on (i) the RMBS 3.0 TRID Compliance Review Scope published by the Structured Finance Association (“SFA”) (formerly, the Structured Finance Industry Group, “SFIG”) (the "SFA Compliance Review Scope") and (ii) outside counsel’s interpretations of the published regulations as of the date of review of each mortgage loan. AMC worked with outside counsel and continues to obtain updated interpretations relative to the informal guidance provided by the Consumer Financial Protection Bureau (“CFPB”) which has caused alterations in the review scope and severity of TRID related exceptions, including applicable cures. (This will continue as necessary as additional guidance becomes available, as well as any future rulemaking.) While AMC continues to make a good faith effort to identify material TRID exceptions and apply the appropriate grading, the implementation of new regulations (including TRID) that impact residential mortgages carries certain interpretive risk and continues to evolve, impacting the review scope and exception severity. AMC has worked closely with the NRSROs and the Client to disclose, as mutually agreed upon by the parties, the relevant exceptions per AMC’s suggested review implementation as reviewed by outside counsel; however, no assurances can be provided and/or are given that AMC has included within its Review all areas that may represent risk to the securitization trust, or that areas of risk identified by AMC will result in the potential level of risk indicated by an Event Level or NRSRO grade.

Please be further advised that AMC does not employ personnel who are licensed to practice law in the various jurisdictions, and the findings set forth in the reports prepared by AMC do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to AMC. Information contained in any AMC report related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of limitations identified in the report based on certain factors, including the facts and circumstances of an individual mortgage loan. All final decisions as to whether to purchase or enter into a transaction related to any individual mortgage loan or the mortgage loans in the aggregate, any investment strategy and any legal conclusions, including the potential liability related to the purchase or other transaction involving any such mortgage loan or mortgage loans, shall be made solely by the Client, or other agreed upon party, that has engaged AMC to prepare its reports pursuant to its instructions and guidelines. The Client, or other agreed upon party, acknowledges and agrees that the scoring models applied by AMC are designed to identify potential risk and the Client, or other agreed upon party, assumes sole responsibility for determining the suitability of the information for its particular use. AMC does not make any representation or warranty as to the value of any mortgage loan or mortgage loans collateral that has been reviewed by AMC.

AMC reviewed each residential mortgage loan to determine, as applicable, to the extent possible and subject to the caveats below, whether the mortgage loan complies with:

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(I) Federal Truth in Lending Act (“TILA”), as implemented by Regulation Z, 12 C.F.R. Part 1026, as set forth below:

Rescission (§1026.23, §1026.15):

failure to provide the right of rescission notice;

ii)

failure to provide the right of rescission notice in a timely manner and to the correct consumer(s);

iii)

errors in the right of rescission notice;

iv)

failure to provide the correct form of right of rescission notice;

failure to provide the three (3) business day rescission period;

vi)

any material disclosure violation on a rescindable mortgage loan that gives rise to the right of rescission under TILA, which means the required disclosures of the annual percentage rate, the finance charge, the amount financed, the total of payments, the payment schedule, the HOEPA disclosures, or those related to prepayment penalties on covered transactions; and

vii)

with respect to applicable exception remediation measures, confirm that a letter of explanation, a refund if applicable, new corrected material disclosures and a new notice of right to cancel was provided.

TIL Disclosure (§§1026.17, 18 and 19) as applicable for loans with application dates prior to October 3, 2015:

review and comparison of the initial and final TIL disclosures, and any re-disclosed TIL(s);

ii)

proper execution by all required parties;

iii)

principal and interest calculations, and proper completion of the interest rate and payment summary; and

iv)

timing of initial and re-disclosed TIL(s).

Home Equity Plans Disclosures (§§1026.6, 40) as applicable

failure to provide the applicable home equity initial and account opening disclosures; and

ii)

failure to provide the applicable home equity initial and account opening disclosures in a timely manner.

Tolerances (§§1026.18, 22 23, and 38):

inaccurate Annual Percentage Rate (APR) outside of applicable tolerance by comparing disclosed APR to re-calculated APR; and

ii)

inaccurate Finance Charge outside of applicable tolerance by comparing disclosed Finance Charge to re-calculated Finance Charge.

iii)

inaccurate Total of Payments outside of applicable tolerance by comparing disclosed Total of Payments to re-calculated Total of Payments.

High-cost Mortgage (§§1026.31, 32 and 34):

points and fees threshold test;

ii)

APR threshold test;

iii)

prepayment penalty threshold test; and

iv)

compliance with the disclosure requirements, limitation on terms and prohibited acts or practices in connection with a high-cost mortgage.

Higher-priced Mortgage Loan (§1026.35):

APR threshold test; and

ii)

compliance with the escrow account and appraisal requirements as applicable.

With respect to brokered mortgage loans, the Prohibitions and Restrictions related to Loan Originator Compensation and Steering (§1026.36):

review relevant documentation to determine if compensation to a Loan Originator was based on a term of the transaction;

ii)

review relevant document to determine if there was dual compensation; and

iii)

review the presence of the mortgage loan option disclosure and to determine if the Steering Safe Harbor provisions were satisfied.

(1)

Note: Where available, AMC reviewed the relevant documents in the mortgage loan file and, as necessary, attempted to obtain the mortgage loan originator compensation agreement and/or governing policies and procedures of the mortgage loan originator. In the absence of the mortgage loan originator compensation agreement and/or governing policies and procedures, AMC’s review was limited to formal general statements of entity compliance provided by the mortgage loan originator, if any. These statements, for example, were in the form of a letter signed by the seller correspondent/mortgage loan originator or representations in the mortgage loan purchase agreement between the Client and seller correspondent;

Homeownership counseling (§1026.36):

determine if the creditor obtained proof of homeownership counseling in connection with a mortgage loan to a first time homebuyer that contains a negative amortization feature.

Mandatory Arbitration Clauses (§1026.36):

determine if the terms of the mortgage loan require arbitration or any other non-judicial procedure to resolve any controversy or settle any claims arising out of the transaction.

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Prohibition on Financing Credit Insurance (§1026.36):

determine if the creditor financed, directly or indirectly, any premiums or fees for credit insurance.

Nationwide Mortgage Licensing System (NMLS) & Registry ID on Loan Documents (§1026.36):

review for presence of mortgage loan originator organization and individual mortgage loan originator name and NMLSR ID, as applicable, on the credit application, note or mortgage loan contract, security instrument, Loan Estimate and Closing Disclosure; and

ii)

verify the data against the NMLSR database, as available.

(II) Federal Real Estate Settlement Procedures Act (“RESPA”), as implemented by Regulation X, 12 C.F.R. Part 1024, as set forth below:

Good Faith Estimate (GFE) (§1024.7) as applicable for loans with application dates prior to October 3, 2015:

confirm the presence of the current GFE form in effect at the time of origination;

ii)

verify GFE was provided to the borrower(s) within three (3) business days of application;

iii)

verify all sections of the GFE were accurately completed and that information was reflected in the appropriate locations;

iv)

determine whether a valid and properly documented changed circumstance accompanies any changes to mortgage loan terms and/or fees on any revised GFEs over the applicable tolerance(s); and

confirm the presence of a settlement service provider list, as applicable.

Final HUD-1/A Settlement Statement (HUD) (§1024.8) as applicable for loans with application dates prior to October 3, 2015:

confirm current applicable HUD form was provided;

ii)

determination that the mortgage loan file contains the final HUD;

iii)

escrow deposit on the final HUD matches the initial escrow statement amount; and

iv)

verify all sections of the final HUD were accurately completed and that information was reflected in the appropriate locations.

GFE and Final HUD Comparison (§1024.7) as applicable for loans with application dates prior to October 3, 2015:

review changes disclosed on the last GFE provided to the borrower(s) to determine that such changes were within the allowed tolerances;

ii)

confirm mortgage loan terms and fees disclosed on the third page of the final HUD accurately reflect how such items were disclosed on the referenced GFE, page 2 of the final HUD and mortgage loan documents; and

iii)

review any documented cure of a tolerance violation to determine that the proper reimbursement was made and a revised HUD was provided at or within 30 days of settlement.

Additional RESPA/Regulation X Disclosures and Requirements (§1024.6, 15, 17, 20, and 33):

confirm the presence of the Servicing Disclosure Statement form in the mortgage loan file;

ii)

verify the Servicing Disclosure Statement was provided to the borrower(s) within three (3) business days of application;

iii)

confirm the presence of the Special Information Booklet in the mortgage loan file or that the mortgage loan file contains documentary evidence that the disclosure was provided to the borrower;

iv)

confirm the Special Information Booklet was provided within three (3) business days of application;

confirm the presence of the Affiliated Business Arrangement Disclosure in the mortgage loan file in the event the lender has affiliated business arrangements;

vi)

confirm the Affiliated Business Arrangement Disclosure was provided no later than three (3) business days of application;

vii)

confirm the Affiliated Business Arrangement Disclosure is executed;

viii)

confirm the presence of the Initial Escrow Disclosure Statement in the mortgage loan file and proper timing;

ix)

confirm that the creditor provided the borrower a list of homeownership counselling organizations within three (3) business days of application; and

confirm that the list of homeownership counselling organizations was obtained no earlier than 30 days prior to when the list was provided to the mortgage loan applicant.

(III) Sections 1098 and 1100A of Dodd-Frank amending TILA and RESPA, as implemented by Regulation Z, 12 C.F.R. Part 1026, as set forth below (applicable only for mortgage loans with application dates on or after October 3, 2015):

Loan Estimate (LE) (§§1026.19 and 37):

confirm the presence of LE for applications on or after October 3, 2015;

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ii)

confirm the initial LE date indicates it was delivered or placed in the mail within three (3) business days of application;

iii)

confirm that certain sections of each LE determined to carry assignee liability under the SFA Compliance Review Scope were accurately completed and that information was reflected in the appropriate locations, which, in certain instances, was based solely on the information disclosed on the LE;

iv)

confirm the initial LE was delivered or placed in the mail not later than seven (7) business days prior to consummation of the transaction, or such period was waived due to a bona fide financial emergency;

confirm that each revised LE is accompanied by valid written documentation explaining the reason for re-disclosure to allow for fee increases based on a valid change of circumstance and was timely provided within 3 business days of issuance;

vi)

capture whether a settlement service provider list (“SSPL”) was provided (in instances when a consumer is given an opportunity to shop for services). Failure to provide SSPL is not cited separately under SFA compliance review scope, however, absence of SSPL from loan file is treated as not provided and impacts fee tolerance categories as prescribed by regulation;

vii)

confirm borrower received LE not later than four (4) business days prior to consummation; and

viii)

confirm LE was not provided to the borrower on or after the date of the CD.

Closing Disclosure (CD) (§§1026.19 and 38):

confirm the presence of CD for applications on or after October 3, 2015;

ii)

confirm the borrower received CD at least three (3) business days prior to consummation, or that such period was waived due to a bona fide financial emergency;

iii)

confirm that certain sections of each CD determined to carry assignee liability under the SFA Compliance Review Scope were accurately completed and that information was reflected in the appropriate locations, which, in certain instances, was based solely on the information disclosed on the CD;

iv)

confirm that a revised CD was received in a timely manner if the initial or any revised CD became inaccurate;

identify tolerance violations based on the charges disclosed on the initial and interim LE’s, initial CD, and reflected on the final CD;

vi)

with respect to tolerance violations based on the disclosed charges on the LE and CD, confirm that the creditor cured the violations no later than 60 days after consummation, or within 60 days of discovery; and

vii)

with respect to applicable exception remediation measures for numerical exceptions, confirm that a letter of explanation, as well as a refund as applicable, was delivered or placed in the mail no later than 60 days after discovery of the exception establishing the need for a revised CD or with respect to exception remediation measures for non-numerical exceptions, that a corrected CD was delivered or placed in the mail no later than 60 days after consummation. (In an attempt to establish a best practices approach to pre-securitization due diligence, as it applies to TILA RESPA Integrated Disclosure testing, the Structured Finance Association (“SFA”) has a working group that consists of industry participants including third party review providers and law firms who agreed to a standardized approach to remediation considerations. This approach is intended to be based on a reasoned legal analysis that expressly assumes that courts will interpret TRID in accordance with the principals of liability set forth in the letter to the MBA from Richard Cordray, the Director of the CFPB. No assurances can be provided that the courts in question will interpret TRID in accordance with the SFA Compliance Review Scope.)

Your Home Loan Toolkit (§1026.19):

confirm the presence of Your Home Loan Toolkit in the mortgage loan file or that the mortgage loan file contains documentary evidence that the disclosure was provided to the borrower; and

ii)

confirm Your Home Loan Toolkit was delivered or placed in the mail not later than three (3) business days after receipt of application.

(IV) Sections 1411 and 1412 of the Dodd-Frank Wall Street Reform and Consumer Protection Act (“Dodd-Frank”) amending TILA, as implemented by Regulation Z, 12 C.F.R. 1026.43, as set forth below:

The general Ability to Repay (ATR) underwriting standards (12 C.F.R. 1026.43(c));

Refinancing of non-standard mortgages (12 C.F.R. 1026.43(d));

Qualified Mortgages (QM) (12 C.F.R. 1026.43(e) (including qualified mortgages as separately defined by the Department of Housing and Urban Development (24 C.F.R. 201 and 203 et seq.), and the Department of Veterans Affairs (38 C.F.R. Part 36 et seq.)); and

Balloon-payment qualified mortgages made by certain creditors (12 C.F.R. 1026.43(f)).

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AMC reviews applicable mortgage loans for compliance with the ATR and QM rule requirements based upon each mortgage loan’s originator designation (Safe Harbor QM, Higher-priced QM, Temporary SHQM, Temporary HPQM, Non-QM, Exempt from ATR). AMC determines the mortgage loan’s status under the ATR or QM rule requirements and assigns a due diligence mortgage loan designation. Generally, AMC notes as a material exception if the due diligence findings do not confirm the originator’s mortgage loan designation. Additionally, AMC notes if an originator mortgage loan designation was not provided.

Qualified Mortgage

With respect to QM (Safe Harbor and Higher-priced) designated mortgage loans, AMC reviews the mortgage loan to determine whether, based on available information in the mortgage loan file: (i) the mortgage loan contains risky mortgage loan features and terms (e.g. an interest only feature or negative amortization), (ii) the “points and fees” exceed the applicable QM threshold, (iii) the monthly payment was calculated appropriately, (iv) the creditor considered and verified income or assets at or before consummation, (v) the creditor appropriately considered debt obligations, alimony and child support, and (vi) depending on the application date, defined in accordance with 1026.2(a)(3)(ii) and the loan designation provided on the subject loan, either:

1.)

for loans with an application date, defined in accordance with § 1026.2(a)(3)(ii), prior to 3/1/2021, at the time of consummation, if the debt-to-income ratio exceeds 43% (calculated in accordance with Appendix Q to Regulation Z). This portion of the Review includes a recalculation of all income and liabilities with attention to the appropriate documentation of each source,

2.)

for loans with an application date, defined in accordance with § 1026.2(a)(3)(ii), on or after 3/1/2021, but before 10/1/2022, submitted with a loan designation of Safe Harbor QM, Higher Priced QM, Safe Harbor QM (43-Q), or Higher Priced QM (43-Q), whether at the time of consummation, the debt-to-income ratio exceeds 43% (calculated in accordance with Appendix Q to Regulation Z). This portion of the Review includes a recalculation of all income and liabilities with attention to the appropriate documentation of each source, or

3.)

for loans with an application date, defined in accordance with § 1026.2(a)(3)(ii), taken on or after 3/1/2021, submitted with a loan designation of Safe Harbor QM (APOR), or Higher Priced QM (APOR), “Revised QM”, whether the APR exceeds the average prime offer rate by 2.25 or more percentage points, (additional thresholds applicable for lower loan balances, subordinate lien covered transactions and certain manufactured homes loan amounts), and whether the loan does not meet the credit guidelines without a documented exception and compensating factors.

For the loans determined to be Safe Harbor QM (APOR), in the event the lender provided a Verification Safe Harbor, (“VSH”) indicator of “Yes” on the loans, that would be reflected as such in the reports. In the event the lender provided a VSH indicator of “No” on the loans that would be reflected in the reports. In the event the lender did not provide a VSH indicator on the loans, the loans would be identified as “Not Stated” in the reports.

* Note, for loans in which the lender provided the VSH indicator, AMC captured it, but did not verify the VSH indicator.

Notwithstanding the above, for loans with the variance evaluation of VSH performed by AMC on QM (APOR) loans, the Lender provided a VSH Indicator of “Yes”. The VSH indicator was provided within the loan images, on the data tape, deal notes, or as part of the loan program/guidelines to which the loan was originated. The loan guidelines utilized one of the specified GSE June 2020 guidelines to meet VSH. In the event the lender identified the loan to have VSH status, then AMC reviewed to identify documentation variances that would cause one to question the VSH attestation from the lender. If variances were identified, then the loan would not be identified by AMC to meet the VSH documentation requirements under either the Fannie Mae guidelines or under the Freddie Mac guidelines. The results of the variance analysis are reflected in the reports.

This portion of the Review includes a recalculation of all income and liabilities with attention to the appropriate documentation of each source.

If a mortgage loan was designated as QM and identified as eligible for guarantee, purchase, or insurance by an applicable agency as permitted under the QM final rule, AMC reviews the mortgage loan to determine whether, based on available information in the mortgage loan file, if the mortgage loan satisfied (i), (ii) and (iii) in the preceding paragraph. In addition, AMC reviews the Automated Underwriting System output within the file to confirm agency eligibility.

For each QM designated mortgage loan that satisfied the applicable requirements enumerated above, AMC then determines whether the mortgage loan is a Safe Harbor QM or Higher Priced QM by comparing the mortgage loan’s actual annual percentage rate, as recalculated, to the applicable average prime offer rate plus a certain applicable percentage.

9 | P a g e

The Review also includes determining, as applicable, whether a mortgage loan is a qualified mortgage as defined by the Department of Housing and Urban Development (24 C.F.R. 201 and 203 et seq.), and the Department of Veterans Affairs (38 C.F.R. Part 36 et seq.).

For each QM designated mortgage loan that does not satisfy the applicable requirements enumerated above, AMC then determines whether the mortgage loan complies with the ATR rule consideration and verification requirements and provides a due diligence designation of Non-QM compliant or non-compliant.

General Ability to Repay

AMC reviews the mortgage loan to determine whether, based on available information in the mortgage loan file, the creditor considered, as applicable, the following eight underwriting factors, and verified such information using reasonably reliable third-party records, at or before consummation: (i) the consumer's current or reasonably expected income or assets, (ii) if the creditor relied on income from the consumer's employment in determining repayment ability (the consumer's current employment status); (iii) the consumer's monthly payment; (iv) the consumer's monthly payment on any simultaneous loan that the creditor knows or has reason to know will be made; (v) the consumer's monthly payment for mortgage-related obligations; (vi) the consumer's current debt obligations, alimony, and child support; (vii) the consumer's monthly debt-to-income ratio or residual income; and (viii) the consumer's credit history. This portion of the Review also focuses on full recalculation of income and debts, as well as the documentation provided to support each item used in originator’s determination of the ability to repay.

AMC reviews mortgage loans to determine their conformity with the ATR/QM factors above, and is not rendering an independent assessment or opinion, warranting or representing that a mortgage loan will be deemed to conform to Safe Harbor, Rebuttable Presumption, ATR or other status based on any additional or revised factors that may be considered by legislative, regulatory, administrative or judicial authorities (“Authorities”). AMC does not represent or warrant that the factors for which it is reviewing the mortgage loans constitute all of the factors and/or criteria that Authorities may consider in determining the status of a mortgage loan. AMC’s review is based on information contained in the mortgage loan file at the time it is provided to AMC to review, and only reflects information as of that point in time.

(V) The Equal Credit Opportunity Act, as implemented by Regulation B, 12 C.F.R. Part 1002, as set forth below:

Providing Appraisals and Other Valuations (12 C.F.R. 1002.14):

timing and content of the right to receive a copy of the appraisal disclosure;

ii)

charging of a fee for a copy of the appraisal or other written valuation;

iii)

timing of creditor providing a copy of each appraisal or other written valuation; and

iv)

with respect to a borrower that has waived the three (3) business day disclosure requirement, confirm that (a) the borrower has signed the waiver or other acknowledgment at least three (3) business days prior to consummation; and (b) that the lender has provided copies of appraisals and other written valuations at or prior to consummation.

(VI) Fannie Mae points and fees limitations and HOEPA restrictions as addressed in Fannie Mae Announcement 04-06, as amended by Lender Letters LL-2013-05 and LL-2013-06 and Selling Guide Announcement SEL-2013-06;

(VII) The disclosure requirements and prohibitions of Section 50(a)(6), Article XVI of the Texas Constitution and associated regulations;

(VIII) The disclosure requirements and prohibitions of state, county and municipal laws and ordinances with respect to “high-cost” mortgage loans, “covered” mortgage loans, “higher-priced” mortgage loans, “home” mortgage loans or any other similarly designated mortgage loan as defined under such authorities, or subject to any other laws that were enacted to combat predatory lending, as may have been amended from time to time;

(IX) Federal and state specific late charge and prepayment penalty provisions.

(X) Recording Review

AMC noted the presence of recorded documents, when available. However, the majority of mortgage loans in the review population were new production and have only been closed for days or weeks at the time AMC reviewed the mortgage loans and thus have not yet been recorded. AMC verified that documents in the mortgage loan file (most typically closing instructions) included lender instructions for recording, and as applicable, the date the documents were sent for recording, and/or the date that the documents will be recorded.

10 | P a g e

As part of the portion of the Review described in this section, AMC will analyze and capture data from the source documents identified in the Document Review below, as applicable.

(XI) FIRREA Review

AMC confirmed that the appraiser and the appraisal made by such appraiser both satisfied the requirements of Title XI of FIRREA. Specifically, AMC reviewed the appraisal for conformity to industry standards, including ensuring the appraisal was complete, that the comparable properties and adjustments were reasonable and that pictures were provided and were accurate.

In addition, AMC accessed the ASC database to verify that the appraiser, and if applicable the appraiser’s supervisor, were licensed and in good standing at the time the appraisal was completed.

(XII) Document Review

AMC reviewed each mortgage loan file and verified if the following documents, if applicable, were included in the file and if the data on these documents was consistent (where applicable):

Initial application (1003);

Underwriting summary / loan approval (1008);

Credit report;

Income and employment documentation;

4506T;

Asset documentation;

Sales contract;

Hazard and/or flood insurance policies;

Copy of note for any junior liens;

Appraisal;

Title/Preliminary Title;

Final 1003;

Changed circumstance documentation;

Right of Rescission Disclosure;

Mortgage/Deed of Trust;

Note;

Mortgage Insurance;

Tangible Net Benefit Disclosure;

Subordination Agreement;

FACTA disclosures;

Notice of Special Flood Hazards;

Initial and final GFE’s;

HUD from sale of previous residence;

Final HUD-1;

Initial TIL;

Final TIL;

Loan Estimates;

Closing Disclosures; and

Certain other disclosures related to the enumerated tests set forth herein.

(8) Other: review and methodology.

The final review results reflected in the Overall Review Results Summary herein may include additional exceptions identified after AMC’s initial review was completed where loan level issues were identified by external parties as a result of separate, distinct quality control evaluation of the loan files. In such cases, any additional exceptions cited by any such quality control evaluation would either be reflected (i) as an open exception or (ii) remediated if required documentation and/or curative actions were provided to AMC. The exception totals reflected herein, and corresponding Exception Rating, include exceptions that were so subsequently identified, if any. Please note that only a limited number of loans, if any, reflected in the Review Results Summary were subject to such external quality control evaluations.

11 | P a g e

(9) Disclaimer.

Except as expressly enumerated above, please be advised that SitusAMC has not performed any review to determine whether the mortgage loans covered in this Report complied with federal, state or local laws, constitutional provisions, regulations, ordinances or any other laws or guidance, including, without limitation, licensing and general usury laws (“Applicable Law”). Further, there can be no assurances that in performing the review and preparing this Report that SitusAMC has uncovered all relevant factors and potential issues relating to the origination of the mortgage loans, their compliance with Applicable Law, or the original appraisals relating to the mortgaged properties, or that SitusAMC has uncovered all relevant factors that could affect the future performance of the mortgage loans. Please note that the results set forth in this Report are dependent upon receipt of complete and accurate data regarding the mortgage loans from mortgage loan originators, sponsors, issuers, underwriters, and other third parties upon which SitusAMC is relying in reaching such results. Except as expressly stated herein, SitusAMC did not verify the data relied upon in performing its review and producing this Report. In addition, the findings and conclusions set forth in this Report are provided on an “as is” basis and are based on available information and Applicable Law as of the date of this Report, and SitusAMC does not undertake any obligation to update or provide any revisions to this Report to reflect events, circumstances, changes in Applicable Law, or changes in expectations after the date this Report was issued. SitusAMC also hereby disclaims any representation or warranty as to accuracy or completeness of the Report, the inclusion or omission of any facts or information, or as to its suitability, sufficiency, or appropriateness for the purposes of the transaction parties or investors or the use of the Report in preparation of any other document in connection with the subject transaction.).

Please be further advised that SitusAMC does not employ personnel who are licensed to practice law in the various jurisdictions covered in this Report, and the results set forth in this Report do not constitute legal advice or legal opinions whatsoever. The findings are recommendations or conclusions based on information provided to SitusAMC and are not statements of fact or legal conclusions. Information contained in the Report related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce, or otherwise allow claims beyond the statute of limitations identified in the Report based on certain factors, including the facts and circumstances of an individual mortgage loan. The authorities administering the Applicable Law that was part of the review have broad discretionary powers which may permit such authorities, among other things, to withdraw exemptions accorded by statute or regulation, to impose additional requirements or to reach a conclusion that is not consistent with the results set forth in the Report. All decisions as to whether to issue, purchase, hold, sell or otherwise transact in securities backed by the mortgage loans reviewed in this Report, any investment strategy, and any legal conclusions, including the potential liability related to the purchase or other transaction involving any such securities, shall be made solely by the parties to or investors in the transaction. The results set forth in this Report do not constitute tax or investment advice. The scoring models in this Report are designed to identify potential risk in the securities backed by the mortgage loans reviewed, and each party or investor assumes sole responsibility for determining the suitability of the information for its particular use. SitusAMC does not make any representation or warranty (express or implied) as to the value of any mortgage loan or mortgage loan’s collateral that has been reviewed by SitusAMC.

SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW

The NRSRO criteria referenced for this report and utilized for grading descriptions is based upon the requirements of the NRSROs listed in the Form ABS Due Diligence-15E.

OVERALL REVIEW RESULTS SUMMARY

There were eighty-six (86) Loans reviewed by AMC. After all documents were presented, under the applicable S&P NRSRO grading criteria 58 (67.44%) had an Overall grade of “A” and 28 (32.56%) had an Overall grade of “B”.

S&P Overall Loan Grades
Final Loan Grade	# of Loans	% of Loans
A	58	67.44%
B	28	32.56%
C	0	0.00%
D	0	0.00%
Total	86	100.00%

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COMPLIANCE RESULTS SUMMARY

Forty-nine (49) Loans are DSCR loans and did not have a compliance grade. After all documents were presented, under the applicable S&P NRSRO grading criteria, 31 (83.78%) had a Compliance grade of “A” and 6 (16.22%) had a Compliance grade of “B”.

S&P Compliance Loan Grades
Final Loan Grade	# of Loans	% of Loans
A	31	83.78%
B	6	16.22%
C	0	0.00%
D	0	0.00%
Total	37	100.00%

CREDIT RESULTS SUMMARY

All eighty-six (86) Loans (100%) reviewed received an “A” or “B” Credit grade.

Credit Loan Grades
Final Loan Grade	# of Loans	% of Loans
A	63	73.26%
B	23	26.74%
C	0	0.00%
D	0	0.00%
Total	86	100.00%

PROPERTY/VALUATION RESULTS SUMMARY

All eight-six (86) Loans (100%) reviewed under the applicable rating agency criteria, received an “A” or “B” Property grade.

Property Loan Grades
Final Loan Grade	# of Loans	% of Loans
A	85	98.84%
B	1	1.16%
C	0	0.00%
D	0	0.00%
Total	86	100.00%

EXCEPTION CATEGORY SUMMARY

The table below summarizes the individual exceptions which carried an associated “B”, “C”, or “D” level exception grade. One Loan may have carried more than one exception. In such cases, the exception with the lowest grade would drive the loan grade for that particular area of the review. The overall loan grade is the lowest grade for any one particular review scope (ex. a loan with a Compliance Grade of “B”, a Credit Grade of “A”, and a Property Grade of “A” would receive an overall loan grade of “B”).

Exception Type	S&P Final Exception Rating	Exception Category	Total
Compliance	B	ECOA	4
		State HPML	2
		TRID Defect	1
		Misc. State Level	1
		*Total Compliance Grade (B) Exceptions:*	8
Total Compliance Exceptions:			8
Credit	B	Guideline	16
		Loan Package Documentation	7
		Title	4
		Credit	2
		Borrower and Mortgage Eligibility	2
		Missing Document	1
		*Total Credit Grade (B) Exceptions:*	32
Total Credit Exceptions:			32
Property	B	Appraisal Reconciliation	1
Property	B	*Total Property Grade (B) Exceptions:*	1
Total Property Exceptions:			1
Grand Total:			41

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TAPE INTEGRITY REVIEW RESULTS SUMMARY

Of the eighty-six (86) Loans reviewed sixty-six (66) unique Loans had a total of five hundred eighty-four (584) different tape discrepancies across forty-seven (47) data fields (some Loans had more than one data delta). The largest variances were found on, Borrower Last Name, Note Date, Product Description and PITIA Reserves Months where the data tape information did not coincide with the documentation type found in the loan file.

Field Label	Loans With Discrepancy	Total Times Compared	% Variance	# Of Loans
# of Units	0	45	0.00%	86
Amortization Term	24	29	82.76%	86
Amortization Type	0	86	0.00%	86
Appraisal As-Is Value	25	26	96.15%	86
Appraisal Effective Date	24	26	92.31%	86
Appraised Value	4	28	14.29%	86
Blanket Mortgage?	10	14	71.43%	86
Borrower Citizenship	10	26	38.46%	86
Borrower EIN	9	9	100.00%	86
Borrower First Name	18	82	21.95%	86
Borrower FTHB	10	22	45.45%	86
Borrower Last Name	26	86	30.23%	86
Borrower SSN	17	29	58.62%	86
Cash From Borrower	16	18	88.89%	86
Cash To Borrower	8	8	100.00%	86
City	0	86	0.00%	86
Coborrower Citizenship	0	2	0.00%	86
Coborrower First Name	1	9	11.11%	86
Coborrower FTHB	0	2	0.00%	86

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Coborrower Last Name	0	9	0.00%	86
Coborrower SSN	0	3	0.00%	86
Contract Sales Price	18	71	25.35%	86
Decision System	1	1	100.00%	86
Doc Type	12	14	85.71%	86
Escrow Account	3	26	11.54%	86
First Payment Date	24	67	35.82%	86
Has FTHB	0	12	0.00%	86
Index Type	1	1	100.00%	86
Interest Only	24	30	80.00%	86
Interest Only Period	0	5	0.00%	86
Interest Rate Life Cap	0	1	0.00%	86
Interest Rate Life Floor	1	1	100.00%	86
Investor: Qualifying Total Debt Ratio	6	45	13.33%	86
Last Property Transfer Date	11	11	100.00%	86
Lien Position	0	82	0.00%	86
Loan Property Count	10	26	38.46%	86
Loan to Cost (LTC)	9	9	100.00%	86
LTV Valuation Value	3	57	5.26%	86
Margin	1	1	100.00%	86
Maturity Date	25	32	78.13%	86
Mortgage Type	2	12	16.67%	86
Neg Am	24	26	92.31%	86
Note Date	26	72	36.11%	86
Occupancy	0	45	0.00%	86
Original CLTV	4	80	5.00%	86
Original HLTV	24	26	92.31%	86
Original Interest Rate	0	86	0.00%	86
Original Interest Rate Period	1	1	100.00%	86
Original Loan Amount	3	86	3.49%	86
Original LTV	3	82	3.66%	86
Original P&I	24	32	75.00%	86
Original Term	0	83	0.00%	86
PITIA Reserves Months	26	26	100.00%	86
PMI Coverage %	0	1	0.00%	86
Prepayment Penalty Period (months)	0	14	0.00%	86
Product Description	26	26	100.00%	86
Property Type	19	86	22.09%	86
Purpose	0	86	0.00%	86
Refi Purpose	3	34	8.82%	86
Representative FICO	4	86	4.65%	86
State	0	86	0.00%	86
Street	6	86	6.98%	86

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Subject Debt Service Coverage Ratio	11	37	29.73%	86
Total Income	12	14	85.71%	86
Universal Loan Identifier (ULI)	15	17	88.24%	86
Zip	0	86	0.00%	86
Total	584	2,453	23.81	86

ADDITIONAL LOAN POPULATION SUMMARY (some totals may not add due to rounding)

Amortization Type	Loan Count	% of Loans	Original Balance	% of Balance
Fixed	85	98.84%	$55,604,974.00	97.19%
Adjustable	1	1.16%	$1,610,000.00	2.81%
Total	86	100.00%	$57,214,974.00	100.00%

Lien Position	Loan Count	% of Loans	Original Balance	% of Balance
1	86	100.00%	$57,214,974.00	100.00%
Total	86	100.00%	$57,214,974.00	100.00%

Loan Purpose	Loan Count	% of Loans	Original Balance	% of Balance
Cash Out: Other/Multi-purpose/Unknown Purpose	23	26.74%	$15,195,650.00	26.56%
First Time Home Purchase	6	6.98%	$5,229,240.00	9.14%
Other-than-first-time Home Purchase	46	53.49%	$27,077,128.00	47.33%
Rate/Term Refinance - Borrower Initiated	11	12.79%	$9,712,956.00	16.98%
Total	86	100.00%	$57,214,974.00	100.00%

Original Term	Loan Count	% of Loans	Original Balance	% of Balance
241-360 Months	83	96.51%	$52,735,974.00	92.17%
361+ Months	3	3.49%	$4,479,000.00	7.83%
Total	86	100.00%	$57,214,974.00	100.00%

Property Type	Loan Count	% of Loans	Original Balance	% of Balance
Single Family Detached	41	47.67%	$22,797,403.00	39.85%
Co-op	1	1.16%	$1,610,000.00	2.81%
Condo, Low Rise	4	4.65%	$876,500.00	1.53%
Condo, High Rise	3	3.49%	$3,100,100.00	5.42%
PUD	14	16.28%	$12,417,566.00	21.70%
1 Family Attached	4	4.65%	$1,430,550.00	2.50%
2 Family	9	10.47%	$3,858,305.00	6.74%
3 Family	6	6.98%	$7,753,050.00	13.55%
4 Family	4	4.65%	$3,371,500.00	5.89%
Total	86	100.00%	$57,214,974.00	100.00%

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Occupancy	Loan Count	% of Loans	Original Balance	% of Balance
Primary	22	25.58%	$22,383,510.00	39.12%
Investment	63	73.26%	$34,403,464.00	60.13%
Second Home	1	1.16%	$428,000.00	0.75%
Total	86	100.00%	$57,214,974.00	100.00%

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Rating Agency Grades

Run Date - 7/23/2025 2:37:53 PM

LOAN INFORMATION

INITIAL CREDIT LOAN GRADES

INITIAL COMPLIANCE LOAN GRADES

INITIAL PROPERTY LOAN GRADES

INITIAL OVERALL LOAN GRADES

FINAL CREDIT LOAN GRADES

FINAL COMPLIANCE LOAN GRADES

FINAL PROPERTY LOAN GRADES

FINAL OVERALL LOAN GRADES

AMC Loan ID

Customer Loan ID

Seller Loan ID

Investor Loan Number

Deal Number

Original Loan Amount

DBRS

Fitch

Kroll

Moody's

S&P

Morningstar

DBRS

Fitch

Kroll

Moody's

S&P

Morningstar

DBRS

Fitch

Kroll

Moody's

S&P

Morningstar

DBRS

Fitch

Kroll

Moody's

S&P

Morningstar

DBRS

Fitch

Kroll

Moody's

S&P

Morningstar

DBRS

Fitch

Kroll

Moody's

S&P

Morningstar

DBRS

Fitch

Kroll

Moody's

S&P

Morningstar

DBRS

Fitch

Kroll

Moody's

S&P

Morningstar

221899355

4000036898

222663199

1052840103

222696847

241024611

222752517

1052853484

222752526

241124955

222752528

241024714

222752572

1052839825

222752577

1052849937

222895378

12024090304

222895408

12024050506

222933858

1052839661

222933869

241125428

222933872

241125273

222933876

241225866

222933891

1052839475

222933906

1052849970

222933907

1052849931

222979894

241024707

222979895

241225660

222979917

240923873

223022921

4000048947

223022923

4000048706

223022940

4000050332

223022949

4000046480

223022956

4000048048

223022965

4000052244

223022981

4000052419

223022993

4000050477

223022999

4000055012

223023004

4000054713

223023390

4000044738

223038896

241024381

223089460

1052883614

223089461

1052868898

223089462

1052883904

223089476

1052872241

223195218

241125016

223195225

1052840421

223212400

12024090765

223212416

12024100501

223212422

12024110180

223212436

12024090463

223283420

250126497

223283433

1052924524

223283436

1052883490

223283450

250126457

223283456

250126220

223342357

1052840053

223343254

1052852159

223343266

241124885

223378511

250327395

223378514

250226786

223378515

250226883

223378517

250226932

223378519

250126671

223378520

250226871

223378521

250226990

223378523

250126513

223378524

250226896

223378527

250227237

223378534

250227241

223378535

1052924793

223378540

1052921038

223378542

1052926417

223378552

250227057

223378554

250226772

223378560

250226964

223378561

250227105

223378563

1052924420

223378564

250227001

223378568

1052924681

223378577

250126651

223378581

250227024

223378582

250226763

223378586

250126563

223502265

250226759

223502266

250126273

223502268

1052927568

223502475

250327340

223637113

250227219

223637114

1052926459

223637134

1052927562

223637135

1052927003

223637138

250226721

223637139

250226946

223637141

1052924525

Exception Grades

Run Date - 7/23/2025 2:37:53 PM

SitusAMC Loan ID

Customer Loan ID

Seller Loan ID

Investor Loan Number

Loan Exception ID

Exception ID

Exception Date

Exception Type

Exception Category

Exception Subcategory

15E Category

Exception

Exception Detail

Exception Information

Compensating Factors

Compensating Factor Information

Applying Party

Follow-up Comments

Cleared Date

Cured Date

Waived Date

Exception Level Grade

DBRS Initial Exception Rating

DBRS Final Exception Rating

Fitch Initial Exception Rating

Fitch Final Exception Rating

Kroll Initial Exception Rating

Kroll Final Exception Rating

Moody's Initial Exception Rating

Moody's Final Exception Rating

S&P Initial Exception Rating

S&P Final Exception Rating

Note Date

Property State

Occupancy

Purpose

Exception Remediation

Overall
Initial Loan Grade

Overall
Final Loan Grade

Credit
Initial Loan Grade

Credit
Final Loan Grade

Compliance
Initial Loan Grade

Compliance
Final Loan Grade

Property
Initial Loan Grade

Property
Final Loan Grade

Originator QM ATR Status

TPR QM ATR Status

Is Curable

222663199

1052840103

32499960

Credit

Disclosure

Missing Document

Disclosure

[redacted] Agreement is missing.

[redacted] is missing in file.

Reviewer Comment (2024-09-27): Received E-sign Consent Agreement. Exception Cleared

Buyer Comment (2024-09-26): E-consent.

09/27/2024

Primary

Refinance - Cash-out - Other

Non QM

222663199

1052840103

32499966

Credit

Miscellaneous

Guideline

Credit Exception:

[redacted]. is missing the [redacted] payment

Reviewer Comment (2024-09-30): As per the credit report [redacted] and [redacted] DLA is [redacted]. [redacted] payment verified. Exception Cleared

Buyer Comment (2024-09-26): see attached

09/30/2024

Primary

Refinance - Cash-out - Other

Non QM

222752517

1052853484

32675972

Compliance

Federal Compliance

ECOA

ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File)

ECOA Valuations Rule (Dodd-Frank [redacted] ): Borrower waived right to receive a copy of the appraisal at least [redacted] business days prior to closing, and appraisal was not provided at or before closing.

Borrower waived right to receive a copy of the appraisal at least [redacted] business days prior to closing, and updated appraisal (Report Date [redacted]) was not provided at or before closing.

Buyer Comment (2024-12-11): [redacted] acknowledges and waives this non-material ECOA finding.

12/11/2024

Primary

Purchase

Non QM

222752526

241124955

32676021

Credit

Missing Document

General

Missing Document

Missing Document: Evidence of Access to Funds not provided

Evidence of access to funds not provided for[redacted]and Company.

Reviewer Comment (2024-12-12): Exception cleared based on LOX and CPA letter in file.

Reviewer Comment (2024-12-12): Provided document reflects borrower owns the business [redacted] letter evidencing withdrawal of funds will not have negative impact on business transactions. Exception remains

Buyer Comment (2024-12-11): Borrower's letter of explanation under [redacted]
ownership re-organizing his sole proprietorship to a more professional status, [redacted] which is how the asset under [redacted]

12/12/2024

Primary

Purchase

Non QM

222752526

241124955

32676022

Credit

Missing Document

General

Missing Document

Missing Document: Evidence of Access to Funds not provided

Evidence of access to funds not provided fo[redacted] and Company.

Reviewer Comment (2024-12-12): Exception cleared.

Buyer Comment (2024-12-11): Borrower's letter of explanation under doc [redacted]
ownership re-organizing his sole proprietorship to a more professional status, resulting [redacted]which is how the asset under [redacted]
is vested.

12/12/2024

Primary

Purchase

Non QM

222752528

241024714

32676029

Compliance

Federal Compliance

ECOA

ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation

ECOA Valuations Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation.

Acknowledgement of receipt of appraisal signed post-close on [redacted].

Reviewer Comment (2024-12-12): Appraisal report receipt date updated. Exception cleared.

Buyer Comment (2024-12-11): Per the appraisal borrower download history provided under Doc ID [redacted] page [redacted], the borrower accessed the retrieval of the appraisal report system on [redacted]. If using a presumed receipt date from [redacted], this would be [redacted], the loan did not close until [redacted], the [redacted] business day requirement was met.

12/12/2024

Primary

Purchase

Non QM

222752528

241024714

32676031

Compliance

Federal Compliance

RESPA

RESPA - Initial Escrow Account statement Inaccurate

RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure.

Final CD monthly escrow matches escrow disclosure of $[redacted]per month.

Reviewer Comment (2024-12-12): Data corrected, exception cleared.

Buyer Comment (2024-12-11): The IEADS under Doc ID [redacted], denotes escrow account balance of $[redacted], which matches the final CD Doc ID [redacted], section [redacted] Initial Escrow Payment at Closing $[redacted].

12/12/2024

Primary

Purchase

If the IEAD is correct and the CD/HUD is incorrect, we require a corrected PCCD/HUD with LOE to borrower to cure. Signature is not required.
If the CD/HUD is correct and the IEAD is incorrect, we require LOE and corrected IEAD to cure. Signature is not required.

Non QM

222752572

1052839825

32676256

Credit

Loan Package Documentation

Loan File

Missing Document

Missing Document: Hazard Insurance Policy not provided

Hazard Insurance Policy not provided in file.

Reviewer Comment (2024-11-21): Received Master and [redacted] hazard insurance policies. Updated insurance screen. Exception cleared.

Seller Comment (2024-11-19): MASTER POLICY
[redacted]- MASTER INSURANCE.pdf (Unclassified) was uploaded

Seller Comment (2024-11-19): [redacted]
[redacted]- HO6 POLICY.pdf (Unclassified) was uploaded

11/21/2024

Investment

Purchase

N/A

222752572

1052839825

32676259

Credit

Asset

Asset Calculation / Analysis

Asset

Available for Closing is insufficient to cover Cash From Borrower.

Additional assets are required to cover cash to close requirement of [redacted]

Reviewer Comment (2024-11-29): Received Final buyer's closing statement. Updated [redacted] product screen. Exception cleared.

Seller Comment (2024-11-27): [redacted]
[redacted]- [redacted] SIGNED.pdf (Unclassified) was uploaded

Reviewer Comment (2024-11-26): Provided closing statement is seller's closing statement and was already available at initial review. As per buyer's closing statement cash to close requirement is [redacted] Please provide additional assets to meet the requirement or updated/corrected buyers closing statement with signature. Exception remains.

Seller Comment (2024-11-25): SIGNED [redacted]
[redacted].pdf (Unclassified) was uploaded

Reviewer Comment (2024-11-22): Provided document is not signed and dated require Final closing statement/HUD document to cover cash to close assets insufficient balance. Exception remains.

Seller Comment (2024-11-21): Please see attached final settlement statement for subject property reflecting page [redacted]funds to close [redacted]. Please review and clear.
FINAL [redacted].pdf (Unclassified) was uploaded

11/29/2024

Investment

Purchase

N/A

222752572

1052839825

32676260

Credit

Miscellaneous

Guideline

Credit Exception:

Lender exception for borrower has not held residency for[redacted] years. Borrower lives in [redacted]. Unable to downgrade and waive due to lenders compensating factors were not located on the[redacted] or the exception documentation.

The representative FICO score exceeds the guideline minimum by at least [redacted] points.

Guidelines Representative FICO: [redacted]
Representative FICO: [redacted]

Aggregator,SitusAMC

Reviewer Comment (2024-11-22): Client elects to waive with compensating factors.

Seller Comment (2024-11-19): [redacted] & COMPENSATING FACTORS
[redacted]- [redacted] COMPENSATING FACTORS.pdf (Unclassified) was uploaded

11/22/2024

Investment

Purchase

N/A

222752572

1052839825

32676261

Credit

Miscellaneous

Guideline

Credit Exception:

Lender exception for the [redacted] budget shows less than [redacted] allocation to reserves. There is also language about [redacted] building has a previous..... However the exception is not complete. Please provide the complete exception. Unable to downgrade and waive due to lenders compensating factors were not located on the[redacted] or the exception documentation.

The representative FICO score exceeds the guideline minimum by at least [redacted] points.

Guidelines Representative FICO: [redacted]
Representative FICO: [redacted]

Aggregator,SitusAMC

Reviewer Comment (2024-11-22): Client elects to waive with compensating factors.

Seller Comment (2024-11-19): [redacted] COMPENSATING FACTORS
[redacted]- [redacted] & COMPENSATING FACTORS.pdf (Unclassified) was uploaded

11/22/2024

Investment

Purchase

N/A

222752577

1052849937

32676271

Credit

Miscellaneous

Credit

Missing Document: Credit Payoff Statement(s) not provided

File is missing the mortgage payoff statement.

Reviewer Comment (2024-11-26): Received mortgage payoff statement. Exception cleared.

Seller Comment (2024-11-25): Payoff statement.pdf (Unclassified) was uploaded

11/26/2024

Investment

Refinance - Cash-out - Other

N/A

222895378

12024090304

32837303

Credit

Loan Package Documentation

Application / Processing

Loan Package Documentation

Missing Document: 1003 Final not provided

Guidelines require all credit documents for any individual who signs the guarantor agreement. File is missing the credit application/1003 for the [redacted] guarantor who signed the guarantor agreement in the file.

Reserves: [redacted]
Guideline Requirement: [redacted]

Borrower's Own Funds Percent: [redacted] %
Borrower's Own Funds Amount: $[redacted]

Originator,SitusAMC

SitusAMC

Reviewer Comment (2024-11-08): Waived at clients request.

Reviewer Comment (2024-11-08): Guidelines require all credit documents for any individual who signs the guarantor agreement. File is missing the credit application/1003 for the [redacted] guarantor who signed the guarantor agreement in the file.

Buyer Comment (2024-11-06): Additional comp factor- No credit lates in >[redacted] months

Reviewer Comment (2024-11-05): Exception with comp factors received; however, a [redacted] year mortgage history is not a valid compensating factor. Please identify valid compensating factors.

Buyer Comment (2024-11-01): Please waive to EV2- comp factors [redacted] months reserves and Borrower has [redacted] year mtg history with no late payments.

Reviewer Comment (2024-10-28): This is not in relation to [redacted] . [redacted] also signed the guarantor agreement and a final 1003/all credit documents will be required for this guarantor.

Buyer Comment (2024-10-24): Please see the attached Final 1003

11/08/2024

Investment

Purchase

N/A

222895378

12024090304

32837304

Credit

Credit Documentation

Missing Document

Missing Document: Credit Report not provided

Guidelines require all credit documents for any individual who signs the guarantor agreement. File is missing the credit report for the [redacted]guarantor who signed the guarantor agreement in the file.

Reserves: [redacted]
Guideline Requirement: [redacted]

Borrower's Own Funds Percent: [redacted] %
Borrower's Own Funds Amount: $[redacted]

Originator,SitusAMC

SitusAMC

Reviewer Comment (2024-11-08): Waived at client request.

Reviewer Comment (2024-11-08): Guidelines require all credit documents for any individual who signs the guarantor agreement. File is missing the credit report for the [redacted] guarantor who signed the guarantor agreement in the file.

Buyer Comment (2024-11-06): Additional comp factor- No credit lates in >[redacted]months

Reviewer Comment (2024-11-05): Exception with comp factors received; however, a [redacted] year mortgage history is not a valid compensating factor. Please identify valid compensating factors.

Buyer Comment (2024-11-01): Please waive to EV2- comp factors [redacted] months reserves and Borrower has [redacted] year mtg history with no late payments.

11/08/2024

Investment

Purchase

N/A

222895378

12024090304

32837305

Credit

Credit Documentation

Credit

OFAC was not checked and required per guidelines.

Per guidelines, an OFAC search is required for all borrowers/guarantors. File does not contain required OFAC search for the [redacted] guarantor.

Reserves: [redacted]
Guideline Requirement: [redacted]

Borrower's Own Funds Percent: [redacted] %
Borrower's Own Funds Amount: $[redacted]

Originator,SitusAMC

SitusAMC

Reviewer Comment (2024-11-08): Guidelines require all credit documents for any individual who signs the guarantor agreement. File is missing the credit report for the [redacted] guarantor who signed the guarantor agreement in the file.

Buyer Comment (2024-11-06): Additional comp factor- No credit lates in >[redacted] months

Reviewer Comment (2024-11-05): Exception with comp factors received; however, a [redacted] year mortgage history is not a valid compensating factor. Please identify valid compensating factors.

Buyer Comment (2024-11-01): Please waive to EV2- comp factors [redacted] months reserves and Borrower has [redacted] year mtg history with no late payments.

11/08/2024

Investment

Purchase

N/A

222895408

12024050506

32837359

Compliance

State Compliance

Misc. State Level

Maryland Counseling Agencies Disclosure Not in File

[redacted]HB[redacted] - No evidence of required counseling disclosure language per [redacted].

Buyer Comment (2024-08-09): we accept EV2 grade

Reviewer Comment (2024-07-31): Documentation uploaded was the housing agencies list, which is not the required counseling disclosure. This is an EV2 that client can elect to waive.

Buyer Comment (2024-07-29): see attached

08/09/2024

Primary

Purchase

Exempt from ATR

222895408

12024050506

32837360

Compliance

State Compliance

State HPML

(State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided)

[redacted] Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for.

Buyer Comment (2024-07-29): we accept EV2 grade

07/29/2024

Primary

Purchase

Exempt from ATR

222895408

12024050506

32837361

Compliance

State Compliance

State HPML

[redacted] HPML Threshold Test Non-Compliant

[redacted] Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Loan.

Buyer Comment (2024-07-29): we accept EV2 grade

07/29/2024

Primary

Purchase

Exempt from ATR

222895408

12024050506

32837363

Compliance

Loan Package Documentation

Application / Processing

Missing, Incorrect, or Incomplete Final or Initial 1003

Missing Document: Missing Lender's Initial 1003

Reviewer Comment (2024-07-31): Received

Buyer Comment (2024-07-29): Please find attached Brokers executed 1003. Thank you.

Buyer Comment (2024-07-29): Please find attached executed 1003. Thank you

07/31/2024

Primary

Purchase

Exempt from ATR

222933869

241125428

32914268

Credit

Miscellaneous

Guideline

Credit Exception:

Exception Request: Loan amount is less than [redacted] Requested Loan amount of [redacted]
Borrower is a [redacted] time investor. borrower has a mortgage rated [redacted] months with no late. Borrower has good reserves. Borrower is minimal debt user.
Exception approved.

Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.

Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].

The representative FICO score exceeds the guideline minimum by at least [redacted] points.

Reserves: [redacted]
Guideline Requirement: [redacted]

Guidelines Representative FICO: [redacted]
Representative FICO: [redacted]

Aggregator,SitusAMC

SitusAMC

Aggregator,SitusAMC

Reviewer Comment (2025-01-08): Client elects to waive with compensating factors.

01/08/2025

Investment

Purchase

N/A

222933872

241125273

32914274

Credit

Miscellaneous

Credit

A copy of Asset Verification Report is not on file.

Lender exception request for purchase of recently flipped property that is not listed on MLS (for sale by owner) is approved.

Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.

The representative FICO score exceeds the guideline minimum by at least [redacted] points.

Reserves: [redacted]
Guideline Requirement: [redacted]

Aggregator

SitusAMC

Reviewer Comment (2025-01-13): Client elects to waive with compensating factors.

01/13/2025

Investment

Purchase

N/A

222933891

1052839475

32914330

Compliance

Federal Compliance

TRID Defect

TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower.

Appraisal Fee disclosed as $[redacted]on LE dated [redacted], but disclosed as $[redacted]on Final Closing Disclosure. Insufficient or no cure was provided to the borrower.

Reviewer Comment (2025-01-06): [redacted]received PCCD, LOE and payment history for principal reduction of cure.

Seller Comment (2025-01-03): PAY HISTORY
[redacted]- PAY HISTORY.pdf (Unclassified) was uploaded

Seller Comment (2025-01-03): PCCD
[redacted]- PCCD [redacted].pdf (Unclassified) was uploaded

Reviewer Comment (2025-01-03): [redacted] received Post CD and LOX however the post cd is only reflecting principal reduction whereas we would require post CD to be mentioned as principal reduction to borrower for exceeding legal limits for cure along with pay history.

Seller Comment (2025-01-02): PCCD
[redacted] [redacted] - PCCD.pdf (Unclassified) was uploaded

Reviewer Comment (2024-12-31): [redacted] received COC dated [redacted] for increase in appraisal fee for rush requested by borrower. Borrower typically would not request an increase to their costs without a valid reason. Please provide documentation of additional information related to the changing of the fee from lender paid to borrower paid. What information was received that required the change in the fee and when was that information received, or Cure would be due to borrower.

Seller Comment (2024-12-27): [redacted][redacted]- COC.pdf (Unclassified) was uploaded

01/06/2025

Primary

Refinance - Rate/Term

Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD

Non QM

Yes

222933891

1052839475

32914331

Credit

Miscellaneous

Guideline

Credit Exception:

Lender approved exception for [redacted]. Borrower has [redacted] [redacted] fees rolling [redacted]months. Compensating Factors: LTV and DTI.

Borrower has been employed in the same industry for more than [redacted] years.

Borrower has verified disposable income of at least $[redacted] .

The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted] %.

The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted] %.

The qualifying DTI on the loan is at least [redacted] % less than the guideline maximum.

Loan to Value: [redacted] %
Guideline Maximum Loan to Value: [redacted] %

DTI: [redacted] %
Guideline Maximum DTI: [redacted] %

SitusAMC

SitusAMC

SitusAMC

Aggregator,SitusAMC

Aggregator,SitusAMC

Reviewer Comment (2024-12-23): Client elects to waive with compensating factors.

12/23/2024

Primary

Refinance - Rate/Term

Non QM

222933891

1052839475

32914332

Credit

Miscellaneous

Guideline

Credit Exception:

Lender approved exception for VOM - Paid in cash. Seller carried financing and borrower pays private mortgage in cash. Compensating Factors: LTV and DTI.

Loan to Value: [redacted] %
Guideline Maximum Loan to Value: [redacted] %

DTI: [redacted] %
Guideline Maximum DTI: [redacted] %

SitusAMC

SitusAMC

SitusAMC

Aggregator,SitusAMC

Aggregator,SitusAMC

Reviewer Comment (2024-12-23): Client elects to waive with compensating factors.

12/23/2024

Primary

Refinance - Rate/Term

Non QM

222979894

241024707

32965075

Credit

Insurance

Insurance Documentation

Insurance

Rent loss insurance is required on all properties and there is no evidence of this insurance in the file.

Rent loss insurance not provided in file.

Reviewer Comment (2025-01-15): Received Hazard Insurance Policy with Fair Rental Value in the file. Exception Cleared.

Buyer Comment (2025-01-13): HOI reflecting rent loss (fair rental) uploaded for review.

01/15/2025

Investment

Refinance - Rate/Term

N/A

222979894

241024707

32965077

Credit

Loan Package Documentation

Application / Processing

Loan Package Documentation

FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date.

Disaster Name: ___
Disaster Declaration Date: ___

Property inspected post disaster but pre-FEMA declaration of disaster end date.

Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: [redacted]

SitusAMC

Reviewer Comment (2025-01-31): Client elects to waive with inspection prior to end date.

Buyer Comment (2025-01-31): [redacted] uploaded for review.

01/31/2025

Investment

Refinance - Rate/Term

N/A

222979917

240923873

32965197

Compliance

Federal Compliance

TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form

TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date

Truth in Lending Act: Subject loan transaction disbursed on [redacted], prior to [redacted]([redacted]) business days from transaction date of [redacted] AM.

Subject loan transaction disbursed on [redacted], prior to [redacted] ([redacted]) business days from transaction date of [redacted]. Discrepancy is due to the dates on the final CD

Reviewer Comment (2025-01-10): Received required documentation. Condition cleared.

Buyer Comment (2025-01-07): PCCD documentation and final [redacted] uploaded for review.

01/10/2025

Primary

Refinance - Rate/Term

TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form

Non QM

Yes

222979917

240923873

32965198

Credit

Loan Package Documentation

Application / Processing

Loan Package Documentation

FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date.

Disaster Name: ___
Disaster Declaration Date: ___

Property inspected post disaster but pre-FEMA declaration of disaster end date.

Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: [redacted]

SitusAMC

Reviewer Comment (2025-02-03): Client elects to waive with inspection prior to disaster date.

Buyer Comment (2025-01-30): [redacted] uploaded for review.

02/03/2025

Primary

Refinance - Rate/Term

Non QM

223022921

4000048947

33027622

Credit

Title

Document Error

Title

The Preliminary title policy is within [redacted] or [redacted]and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.

Reviewer Comment (2024-10-11): Accepted as is per client.

10/11/2024

Investment

Refinance - Cash-out - Other

N/A

223022923

4000048706

33027626

Credit

Title

General

Title

Title Policy Coverage is less than Original Loan Amount.

The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file.

The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount.

Reviewer Comment (2024-10-11): Accepted as is per client.

10/11/2024

Investment

Refinance - Cash-out - Other

N/A

223022923

4000048706

33027627

Credit

Loan Package Documentation

Application / Processing

Loan Package Documentation

Missing Document: Corporate Resolution not provided

Lender exception approved for borrower not having an operating agreement or corporate resolution. Compensating factors are FICO of [redacted]and DSCR of [redacted].

Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.

The Debt Service Coverage Ratio (v) is greater than the guideline requirement by [redacted].

SitusAMC

SitusAMC

Reviewer Comment (2024-10-11): Client elects to waive/regrade with compensating factors. Lender exception provided.

10/11/2024

Investment

Refinance - Cash-out - Other

N/A

223022923

4000048706

33027628

Credit

Loan Package Documentation

Application / Processing

Loan Package Documentation

Missing Document: Bylaws not provided

Lender exception approved for borrower not having an operating agreement or corporate resolution. Compensating factors are FICO of [redacted]and DSCR of [redacted].

SitusAMC

SitusAMC

Reviewer Comment (2024-10-11): Client elects to waive/regrade with compensating factors. Lender exception provided.

10/11/2024

Investment

Refinance - Cash-out - Other

N/A

223022923

4000048706

33027629

Credit

Borrower and Mortgage Eligibility

Mortgage / Program Eligibility

Borrower and Mortgage Eligibility

Guideline Requirement: Combined High loan to value discrepancy.

Calculated high loan to value percentage of ___ exceeds Guideline high loan to value percentage of ___

[redacted]% Max LTV reduction for unleased properties

SitusAMC

SitusAMC

Reviewer Comment (2024-12-19): Client exception received.

Seller Comment (2024-12-19): Comment from [redacted] ([redacted]): [redacted] [redacted] : Pleas see attached signed form.

Reviewer Comment (2024-12-18): The received exception is unsigned.

Seller Comment (2024-12-18): Comment from [redacted] [redacted] : [redacted]: Please see exception request.

12/19/2024

Investment

Refinance - Cash-out - Other

N/A

223022923

4000048706

33027630

Credit

Borrower and Mortgage Eligibility

Mortgage / Program Eligibility

Borrower and Mortgage Eligibility

Guideline Requirement: Loan to value discrepancy.

Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___.

[redacted]% Max LTV reduction for unleased properties

SitusAMC

SitusAMC

Reviewer Comment (2024-12-19): Client exception received.

Buyer Comment (2024-12-19): Comment from [redacted] ([redacted] ): [redacted]: Please see main condition uploaded.

Reviewer Comment (2024-12-18): The received exception is unsigned.

Buyer Comment (2024-12-18): Comment from [redacted] ([redacted]): [redacted]: Please see main condition uploaded.

12/19/2024

Investment

Refinance - Cash-out - Other

N/A

223022923

4000048706

33027631

Credit

AUS Discrepancy / Guidelines Discrepancy

Guideline

Guideline Requirement: Combined loan to value discrepancy.

Calculated combined loan to value percentage of ___ exceeds Guideline combined loan to value percentage of ___.

[redacted]% Max LTV reduction for unleased properties

SitusAMC

SitusAMC

Reviewer Comment (2024-12-19): Client exception received.

Buyer Comment (2024-12-19): Comment from [redacted] ([redacted]): [redacted]: Please see main condition uploaded.

Reviewer Comment (2024-12-18): The received exception is unsigned.

Buyer Comment (2024-12-18): Comment from [redacted] ([redacted] ): [redacted]: Please see main condition uploaded.

12/19/2024

Investment

Refinance - Cash-out - Other

N/A

223022940

4000050332

33027669

Credit

Title

Document Error

Title

The Preliminary title policy is within [redacted]or [redacted]and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.

Reviewer Comment (2024-10-22): Accepted as is.

10/22/2024

Investment

Purchase

N/A

223022949

4000046480

33027686

Credit

Title

General

Title

Title Policy Coverage is less than Original Loan Amount.

The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file.

Title Policy Coverage is less than Original Loan Amount.

Reviewer Comment (2024-10-25): Waived per [redacted]request

10/25/2024

Investment

Refinance - Rate/Term

N/A

223022965

4000052244

33027723

Credit

Miscellaneous

Guideline

[redacted]

Guidelines state properties without central heat must have an externally vented heat source. Subject has [redacted] wall heater and it is not externally vented. [redacted]states this is typical for area, is permanently attached and not necessary to be externally vented. [redacted][redacted] uses same type of heat source. Compensating factors are [redacted][redacted]and [redacted]has history of [redacted]multiple [redacted]properties.

Miscellaneous

The qualifying [redacted] on the loan is greater than the guideline minimum.

Fico [redacted], experienced investor

The [redacted] of [redacted] is greater than the minimum required [redacted] of [redacted].

SitusAMC

SitusAMC,Originator Pre-Close,Originator,Aggregator

Reviewer Comment (2024-11-21): Client exception received.

Reviewer Comment (2024-11-21): Client exception in the file.

Reviewer Comment (2024-11-21): .

Reviewer Comment (2024-11-07): Client elects to waive/regrade.

11/21/2024

Investment

Refinance - Cash-out - Other

N/A

223022999

4000055012

33027788

Credit

Loan Package Documentation

Application / Processing

Missing Document

Missing Document: Fraud Report not provided

Please provide a copy of [redacted]report document for borrower "[redacted]

Reviewer Comment (2024-12-05): Received, Clearing.

Seller Comment (2024-12-05): Comment from [redacted] ([redacted][redacted][redacted]): fraud report

12/05/2024

Investment

Purchase

N/A

223023390

4000044738

33028039

Compliance

Federal Compliance

ECOA

ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File)

ECOA Valuations Rule (Dodd-Frank [redacted]): Borrower waived right to receive a copy of the appraisal at least [redacted]([redacted) business days prior to closing, and appraisal was not provided at or before closing.

Borrower waived right to receive a copy of the appraisal at least [redacted]([redacted]) business days prior to closing, and appraisal was not provided at or before closing.

Reviewer Comment (2024-09-26): Waived per client request

09/26/2024

Primary

Purchase

Non QM

223038896

241024381

33040024

Credit

Loan Package Documentation

Application / Processing

Loan Package Documentation

FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.

Most Recent Valuation Inspection Date: ___
Disaster End Date: ___
Disaster Name: ___
Disaster Declaration Date: ___

The most recent valuation inspection is dated of [redacted] prior to the most recent FEMA disaster ([redacted]).

Property inspected post disaster but pre-FEMA declaration of disaster end date.

Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: [redacted]

SitusAMC,Aggregator

Reviewer Comment (2024-12-05): Appraisal completed after disaster date, but prior to end date.

12/05/2024

Investment

Purchase

N/A

223089476

1052872241

33095605

Credit

Miscellaneous

Guideline

Credit Exception:

Lender exception waiver provided for housing history vor payments cleared late. VOR is not located in the file.

Borrower has verified disposable income of at least $[redacted] .

Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted] % and $[redacted] .

The qualifying DTI on the loan is at least [redacted] % less than the guideline maximum.

The representative FICO score exceeds the guideline minimum by at least [redacted] points.

Guidelines Representative FICO: [redacted]
Representative FICO: [redacted]

SitusAMC

SitusAMC

SitusAMC

Aggregator,SitusAMC

Reviewer Comment (2025-02-10): Client elects to waive with comp factors.

Seller Comment (2025-02-05): Rent checks.pdf (Unclassified) was uploaded

Reviewer Comment (2025-02-03): Received documents are mortgage statements which are already provided in file. Evidence of [redacted] months rent $[redacted] for borrower's current address "[redacted] " is required. Exception remains.

Seller Comment (2025-01-31): VOR.pdf (Unclassified) was uploaded

02/10/2025

Investment

Purchase

N/A

223089476

1052872241

33095606

Credit

Credit Documentation

Guideline

Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided

A [redacted] Month Housing History is required however Verification of rental history is missing.

Reviewer Comment (2025-02-07): [redacted] month rent checks received, Exception Cleared.

Seller Comment (2025-02-05): Rent checks.pdf (Unclassified) was referenced

Reviewer Comment (2025-02-03): Received documents are mortgage statements which are already provided in file. Evidence of [redacted] months rent $[redacted] for borrower's current address "[redacted]" is required. Exception remains.

Seller Comment (2025-01-31): VOR.pdf (Unclassified) was referenced

02/07/2025

Investment

Purchase

N/A

223195218

241125016

33200625

Credit

Insurance

Insurance Documentation

Insurance

Rent loss insurance is required on all properties and there is no evidence of this insurance in the file.

Reviewer Comment (2024-12-31): Documentation in the file, exception cleared.

Buyer Comment (2024-12-27): The insurance agency confirmed the rent loss coverage via email which was provided in the initial shipping package under Doc ID [redacted], it denotes "Rent Loss: [redacted]".

12/31/2024

Investment

Purchase

N/A

223195225

1052840421

33200660

Credit

Insurance

Insurance Analysis

Insurance

The Flood Insurance Policy effective date is after the Note Date.

Flood Insurance Policy Effective Date ___, Note Date ___

The Flood Insurance policy effective date of [redacted] is after the note date [redacted]

Reviewer Comment (2024-12-27): Effective date is before the disbursement date of [redacted].

Seller Comment (2024-12-24): Good Morning,
The borrowers don't own the property until the loan funds and records; are we able to use that date when determining the accurate policy period for the insurance? Thank you

12/27/2024

Primary

Purchase

Non QM

223212400

12024090765

33216962

Credit

Legal / Regulatory / Compliance

Title / Lien Defect

Title

Title Policy is Preliminary or Commitment, and not a Final Title Policy.

Reviewer Comment (2024-11-12): Provided.

11/12/2024

Investment

Purchase

N/A

223212400

12024090765

33216963

Credit

Insurance

Insurance Documentation

Insurance

Rent loss insurance is required on all properties and there is no evidence of this insurance in the file.

Guidelines require evidence of [redacted] months rent loss coverage.

Reviewer Comment (2024-11-14): Provided.

Reviewer Comment (2024-11-05): The explanation says that the coverage is for reasonable housing and living expenses if a covered event makes your house inhabitable. Rent loss coverage is for rental income a landlord would normally receive but is unable to, due to the property being inhabitable.

Buyer Comment (2024-11-04): Please see Coverage E. Additional Living Expense $[redacted] [redacted] - see attached coverage explanation. [redacted]

11/14/2024

Investment

Purchase

N/A

223212400

12024090765

33216964

Credit

Loan Package Documentation

Closing / Title

Loan Package Documentation

Title search shows negative impact on title.

Tax lien and [redacted] judgments on title from seller and were not paid at closing. Final title to be free and clear of tax liens and judgments with lender in [redacted] lien position.

Reviewer Comment (2024-11-12): Provided.

Buyer Comment (2024-11-08): final title

11/12/2024

Investment

Purchase

N/A

223212416

12024100501

33217004

Credit

Loan Package Documentation

Application / Processing

Loan Package Documentation

FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.

Most Recent Valuation Inspection Date: [redacted]
Disaster End Date: [redacted]
Disaster Name: HURRICANE [redacted]
Disaster Declaration Date: [redacted]

Reviewer Comment (2024-12-16): [redacted] in file indicates no damage to property as of [redacted].

Buyer Comment (2024-12-13): 1004-D in file is dated [redacted] (after disaster end date), and there is a comment that there is no damage due to disaster

Buyer Comment (2024-12-12): Please waive to EV2, appraisal was completed ([redacted]), which is after the disaster date, no damage.

12/16/2024

Investment

Purchase

N/A

223212422

12024110180

33217014

Credit

Loan Package Documentation

Application / Processing

Loan Package Documentation

Missing Document: Missing Final 1003

A signed copy of the 1003 is missing from the file.

Reviewer Comment (2024-12-26): Received

Buyer Comment (2024-12-24): Please find the fully executed 1003's attached. Thank you!

Reviewer Comment (2024-12-17): 1003 provided is not for our borrower.

Buyer Comment (2024-12-13): Please find attached executed 1003. Thank you.

12/26/2024

Investment

Purchase

N/A

223212422

12024110180

33217015

Credit

Loan Package Documentation

Application / Processing

Loan Package Documentation

FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.

Most Recent Valuation Inspection Date: ___
Disaster End Date: ___
Disaster Name: ___
Disaster Declaration Date: ___

Property inspected post disaster but pre-FEMA declaration of disaster end date.

Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: [redacted]

SitusAMC,Originator

Reviewer Comment (2024-12-26): Property inspected post-disaster reflecting no damage; however, pre-disaster declaration end date.

12/26/2024

Investment

Purchase

N/A

223212436

12024090463

33217055

Compliance

Federal Compliance

TRID Defect

TRID Initial Closing Disclosure Timing without Waiver

TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least [redacted]([redacted]) business days prior to closing.

Closing Disclosure not provided to Borrower(s) at least [redacted][redacted] business days prior to closing.

Reviewer Comment (2024-10-28): [redacted] received CD dated [redacted]

Buyer Comment (2024-10-25): [redacted] -Upload CDs

Buyer Comment (2024-10-25): [redacted]-Upload CDs

10/28/2024

Primary

Purchase

No Defined Cure

Exempt from ATR

223212436

12024090463

33217057

Compliance

Federal Compliance

TRID

TRID Settlement Service Provider Status

TILA-RESPA Integrated Disclosure: Borrower not provided with list of service providers.

Borrower not provided with list of service providers.

Reviewer Comment (2024-11-08): [redacted] received updated Settlement Service Provider List.

11/08/2024

Primary

Purchase

No Defined Cure

Exempt from ATR

223212436

12024090463

33217058

Compliance

Federal Compliance

TRID Defect

TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted]plus [redacted]% or $[redacted]. Insufficient or no cure was provided to the borrower.

Valid Change Circumstance not provided

Reviewer Comment (2024-11-08): [redacted] received updated SSPL, the consumer was shopped for the services and the fee is not bound by a tolerance.

Buyer Comment (2024-11-07): sspl attached

Reviewer Comment (2024-11-07): [redacted] received right to choose attorney, the document received is not SSPL. Please provide correct copy of SSPL (Comment [redacted] (e)([redacted] )([redacted] )-[redacted]). or cure required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.

Buyer Comment (2024-11-06): see attached sspl

11/08/2024

Primary

Purchase

Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD

Exempt from ATR

223212436

12024090463

33217059

Credit

Asset

Asset Documentation

Asset

Asset documentation requirements not met.

Missing source of gift funds.

Reviewer Comment (2024-11-20): Cleared.

Buyer Comment (2024-11-18): Please see attached confirmation of the $[redacted] & $[redacted] gifts received by the Title Company. Thank you.

11/20/2024

Primary

Purchase

Exempt from ATR

223212436

12024090463

33217060

Credit

Missing Document

General

Missing Document

Missing Document: Source of Funds/Deposit not provided

Reviewer Comment (2024-11-15): Cleared

Buyer Comment (2024-11-13): Please find attached ([redacted] ) wire confirmations for the $[redacted] & $[redacted] gifts wired directly to the Title Co. Per guidelines proof of ability not required as gift funds wired directly to title company. Thank you.

Reviewer Comment (2024-11-06): The exception is for the gift funds and not the $[redacted] EMD. We need verification of the donor availability along with proof of transfer of the funds.

Buyer Comment (2024-11-04): Please find EMD check for check #[redacted] for $[redacted] along with [redacted] statement acct #[redacted] reflecting clearing. Also, please note included in original upload. Thank you.

11/15/2024

Primary

Purchase

Exempt from ATR

223212436

12024090463

33217061

Credit

Missing Document

General

Missing Document

Missing Document: Source of Funds/Deposit not provided

Reviewer Comment (2024-11-20): Cleared.

Buyer Comment (2024-11-18): Please see attached confirmation of the $[redacted] k & $[redacted] gifts received by the Title Company. Thank you.

Reviewer Comment (2024-11-06): The exception is for the gift funds and not the $[redacted] EMD. We need verification of the donor availability along with proof of transfer of the funds.

Buyer Comment (2024-11-04): Please find EMD check for check #[redacted] for $[redacted] K along with [redacted] statement acct #[redacted] reflecting clearing. Also, please note included in original upload. Thank you.

Buyer Comment (2024-11-04): Please find EMD check for check #[redacted] for $[redacted] along with [redacted] statement acct #[redacted] reflecting clearing. Also, please note included in original upload. Thank you.

11/20/2024

Primary

Purchase

Exempt from ATR

223283420

250126497

33303789

Credit

Asset

Asset Calculation / Analysis

Asset

Available for Closing is insufficient to cover Cash From Borrower.

Documented qualifying Assets for Closing of $[redacted] is less than Cash From Borrower $[redacted]

Reviewer Comment (2025-03-21): Received bank statement for the account #[redacted]. Exception Cleared.

Buyer Comment (2025-03-19): Per the [redacted] [redacted] transaction history the balance on account as of [redacted] is $[redacted]+ $[redacted][redacted] [redacted]+ $[redacted] [redacted] [redacted]= $[redacted]verified assets, which is sufficient to cover the funds to close in the amount of $[redacted]. Per section [redacted]of the [redacted] guidelines reserves are not required with [redacted] of [redacted]%(+).

Reviewer Comment (2025-03-19): Exception Remains - Received Appraisal and Credit invoice which paid outside closing, Still funds are insufficient to cover cash from borrower.

Buyer Comment (2025-03-18): [redacted] [redacted] transaction history (amount prior to closing reflects $[redacted] available for closing), appraisal and credit report invoices uploaded for review.

03/21/2025

Investment

Refinance - Rate/Term

N/A

223283436

1052883490

33303820

Credit

Documents

Missing Document

Documents

File does not contain documentation from lender/seller confirming the condo is warrantable.

Reviewer Comment (2025-02-25): Condo Documentation received & associated. Exception cleared.

Seller Comment (2025-02-24): Condo Warranty/Approval
[redacted] Condo Approval.pdf (Credit Review Documentation) was uploaded

02/25/2025

Second Home

Purchase

Non QM

223283436

1052883490

33303822

Credit

Asset

Asset Calculation / Analysis

Asset

Available for Closing is insufficient to cover Cash From Borrower.

Documented qualifying Assets for Closing of $[redacted]is less than Cash From Borrower $[redacted].

Reviewer Comment (2025-02-27): As per Final CD Reflects $[redacted] required from borrower, also borrower has sufficient reserve funds to close to meet the [redacted] months reserve requirement. Exception Cleared.

Seller Comment (2025-02-24): Final CD supports < $[redacted]required at closing from borrower
[redacted] Final CD.pdf (Credit Review Documentation) was referenced

02/27/2025

Second Home

Purchase

Non QM

223283436

1052883490

33303823

Compliance

Federal Compliance

TRID Defect

TRID Final Closing Disclosure Amount Financed Test

TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] did not disclose the Amount Financed.

Final Closing Disclosure provided on [redacted] did not disclose the Amount Finance or missing in given Closing Disclosure.

Reviewer Comment (2025-02-25): [redacted]received lender attestation on issued CD's and [redacted] CD was not disclosed to borrower.

Seller Comment (2025-02-24): [redacted] CD.pdf (Credit Review Documentation) was referenced

02/25/2025

Second Home

Purchase

TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable

Non QM

223283436

1052883490

33303824

Compliance

Federal Compliance

TRID Defect

TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed Test

TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [redacted] disclosed an escrow payment for payment stream [redacted] that does not match the actual payment for the loan.

Final Closing Disclosure provided on [redacted] disclosed an escrow payment for payment stream [redacted] that does not match the actual payment for the loan.

02/25/2025

Second Home

Purchase

TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, and Corrected CD

Non QM

223283436

1052883490

33303825

Compliance

Federal Compliance

TRID Defect

TRID Final Closing Disclosure Estimated Total Minimum Payment

TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [redacted] disclosed an Estimated Total Monthly Payment for payment stream [redacted] that does not match the actual total payment for the loan.

Final Closing Disclosure provided on [redacted] disclosed an Estimated Total Monthly Payment for payment stream [redacted] that does not match the actual total payment for the loan.

02/25/2025

Second Home

Purchase

TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable

Non QM

223283436

1052883490

33303826

Compliance

Federal Compliance

TRID Defect

TRID Final Closing Disclosure Finance Charge

TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] did not disclose the Finance Charge.

Final Closing Disclosure provided on [redacted] did not disclose the Finance Charge or missing in given closing Disclosure.

02/25/2025

Second Home

Purchase

TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable

Non QM

223283436

1052883490

33303827

Compliance

Federal Compliance

TRID Defect

TRID Final Closing Disclosure Incomplete

TILA-RESPA Integrated Disclosure: Incomplete Closing Disclosure was not signed by borrower and can be excluded from testing if it was never provided to the borrower. In order to exclude Incomplete Closing Disclosure from testing, please provide attestation from lender referencing the specific Closing Disclosure that was not provided to the borrower.

Incomplete Closing Disclosure was not signed by borrower and can be excluded from testing if it was never provided to the borrower. In order to exclude Incomplete Closing Disclosure from testing, please provide attestation from lender referencing the specific Closing Disclosure that was not provided to the borrower.

Reviewer Comment (2025-02-25): [redacted] received lender attestation on issued CD's and [redacted] CD was not disclosed to borrower.

Seller Comment (2025-02-24): [redacted] CD.pdf (Credit Review Documentation) was referenced

02/25/2025

Second Home

Purchase

Provide the following: Letter of Explanation notifying borrower or error, Corrected CD, and Proof of Delivery (Proof of receipt and reopened rescission also required if transaction is rescindable and material disclosures are inaccurate)

Non QM

223283436

1052883490

33303828

Compliance

Federal Compliance

TRID Defect

TRID Final Closing Disclosure Negative Amortization

TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [redacted] incorrectly disclosed whether the loan contains Negative Amortization.

Final Closing Disclosure provided on [redacted] incorrectly disclosed whether the loan contains Negative Amortization.

Reviewer Comment (2025-02-25): [redacted] received lender attestation on issued CD's and [redacted] CD was not disclosed to borrower.

Seller Comment (2025-02-24): [redacted] CD.pdf (Credit Review Documentation) was referenced

02/25/2025

Second Home

Purchase

Letter of Explanation & Corrected Closing Disclosure

Non QM

223283436

1052883490

33303829

Compliance

Federal Compliance

TRID Defect

TRID Final Closing Disclosure Non Escrow Costs Year [redacted] Underdisclosed - [redacted] [redacted]

TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year [redacted] of on Final Closing Disclosure provided on [redacted] are underdisclosed.

Non Escrowed Property Costs over Year [redacted] of on Final Closing Disclosure provided on [redacted] are underdisclosed.

Reviewer Comment (2025-02-25): [redacted] received lender attestation on issued CD's and [redacted] CD was not disclosed to borrower.

Seller Comment (2025-02-24): [redacted] CD.pdf (Credit Review Documentation) was referenced

02/25/2025

Second Home

Purchase

Letter of Explanation & Corrected Closing Disclosure

Non QM

223283436

1052883490

33303830

Compliance

Federal Compliance

TRID Defect

TRID Final Closing Disclosure Projected P&I Payment Min Payment Fixed Rate Initial Payment

TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [redacted] disclosed a periodic principal and interest payment for payment stream [redacted] that does not match the actual payment for the loan.

Final Closing Disclosure provided on [redacted] disclosed a periodic principal and interest payment for payment stream [redacted] that does not match the actual payment for the loan.

Reviewer Comment (2025-02-25): [redacted] received lender attestation on issued CD's and [redacted] CD was not disclosed to borrower.

Seller Comment (2025-02-24): [redacted] CD.pdf (Credit Review Documentation) was uploaded

02/25/2025

Second Home

Purchase

TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable

Non QM

223283436

1052883490

33303831

Compliance

Federal Compliance

TRID Defect

TRID Final Closing Disclosure Total Of Payments

TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] did not disclose the Total of Payments.

Final Closing Disclosure provided on [redacted] did not disclose the Total of Payments.

Reviewer Comment (2025-02-25): [redacted] received lender attestation on issued CD's and [redacted] CD was not disclosed to borrower.

Seller Comment (2025-02-24): [redacted] CD.pdf (Credit Review Documentation) was referenced

02/25/2025

Second Home

Purchase

TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission if Applicable

Non QM

223283436

1052883490

33303832

Compliance

Federal Compliance

TRID Defect

TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment Underdisclosed Test

TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [redacted] disclosed the Monthly Escrow Payment that does not match the actual escrow payment for the loan.

Final Closing Disclosure provided on [redacted] disclosed the Monthly Escrow Payment that does not match the actual escrow payment for the loan.

Reviewer Comment (2025-02-25): [redacted] received lender attestation on issued CD's and [redacted] CD was not disclosed to borrower.

Seller Comment (2025-02-24): [redacted] CD.pdf (Credit Review Documentation) was referenced

02/25/2025

Second Home

Purchase

Provide the following: Letter of Explanation notifying borrower or error and Corrected CD

Non QM

223283436

1052883490

33303833

Compliance

Federal Compliance

TRID

TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees

TILA-RESPA Integrated Disclosure: Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure.

Fees disclosed on the Seller's Closing Disclosure of $[redacted]are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure of $[redacted].

Reviewer Comment (2025-02-25): [redacted] received lender attestation on issued CD's and [redacted] CD was not disclosed to borrower.

02/25/2025

Second Home

Purchase

Letter of Explanation & Corrected Closing Disclosure

Non QM

223283436

1052883490

33303834

Credit

AUS Discrepancy / Guidelines Discrepancy

Guideline

Guideline Requirement: PITIA reserves months discrepancy.

Calculated PITIA months reserves of [redacted]is less than Guideline PITIA months reserves of [redacted].

Reviewer Comment (2025-02-27): As per Final CD Reflects $[redacted]required from borrower, also borrower has sufficient reserve funds to close to meet the [redacted] months reserve requirement. Exception Cleared.

Seller Comment (2025-02-24): Final CD reflects $[redacted] required from borrower. Borrower has sufficient funds to close + Necessary Reserves.
[redacted] Final CD.pdf (Credit Review Documentation) was referenced

02/27/2025

Second Home

Purchase

Non QM

223283436

1052883490

33303835

Compliance

Federal Compliance

ATR/QM Defect

Check Loan Designation Match - ATR Risk

Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk.

Documented qualifying Assets for Closing of $[redacted]is less than Cash From Borrower $[redacted]and Calculated PITIA months reserves of [redacted]is less than Guideline PITIA months reserves of [redacted].

Reviewer Comment (2025-02-27): As per Final CD Reflects $[redacted] required from borrower, also borrower has sufficient reserve funds to close to meet the [redacted] months reserve requirement. Exception Cleared.

Seller Comment (2025-02-24): Final CD reflects $[redacted] required from borrower. Borrower has sufficient funds to close + Necessary Reserves.
[redacted] Final CD.pdf (Credit Review Documentation) was referenced

02/27/2025

Second Home

Purchase

Lender to provide updated ATR/QM Loan Designation

Non QM

223283436

1052883490

33303836

Compliance

Federal Compliance

ATR/QM Defect

General Ability To Repay Provision Investor Guidelines

Ability to Repay (Dodd-Frank [redacted]): Based on the loan failing [redacted] or more guideline components, the loan is at ATR risk.

Reviewer Comment (2025-02-27): As per Final CD Reflects $[redacted] required from borrower, also borrower has sufficient reserve funds to close to meet the [redacted] months reserve requirement. Exception Cleared.

Seller Comment (2025-02-24): Final CD supports < $[redacted] required at closing
[redacted] Final CD.pdf (Credit Review Documentation) was referenced

02/27/2025

Second Home

Purchase

Non QM

223283436

1052883490

33303837

Compliance

Federal Compliance

RESPA

RESPA - Initial Escrow Account statement Inaccurate

RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure.

Reviewer Comment (2025-02-25): [redacted] received lender attestation on issued CD's and [redacted] CD was not disclosed to borrower.

Seller Comment (2025-02-24): Final CD reflects $[redacted] required from borrower. Borrower has sufficient funds to close + Necessary Reserves.
[redacted] Final CD.pdf (Credit Review Documentation) was uploaded

02/25/2025

Second Home

Purchase

Non QM

223283450

250126457

33303903

Credit

Miscellaneous

Guideline

Credit Exception:

Exception Requested:
Allow hybrid appraisal at [redacted]% vs. [redacted]% with loan amount of $[redacted] vs $[redacted]max for use of a hybrid appraisal.

Guidelines Representative FICO: [redacted]
Representative FICO: [redacted]

SitusAMC

SitusAMC

SitusAMC

Aggregator,SitusAMC

Reviewer Comment (2025-03-11): Client elects to waive with comp factors.

03/11/2025

Investment

Refinance - Cash-out - Other

N/A

223342357

1052840053

33409333

Credit

Credit Documentation

Credit

Missing Document: OFAC not provided

The OFAC search results are missing for the borrowing entity.

Reviewer Comment (2024-12-24): Received OFAC document the business entity. Exception cleared.

Seller Comment (2024-12-23): see attached
OFAC - [redacted] .pdf (Unclassified) was uploaded

12/24/2024

Investment

Purchase

N/A

223342357

1052840053

33409334

Credit

Miscellaneous

Guideline

Credit Exception:

There is evidence in the file that there was a property exception obtained on this transaction due to splitting the property, survey, etc. The lenders exception and approval along with compensating factors is missing.

Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.

Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted] % and $[redacted] .

The Debt Service Coverage Ratio ([redacted]) is greater than the guideline requirement by [redacted].

The representative FICO score exceeds the guideline minimum by at least [redacted] points.

$[redacted] + in reserves

[redacted]

FICO of [redacted]

SitusAMC,Aggregator

SitusAMC

Aggregator,SitusAMC

Aggregator,SitusAMC

Reviewer Comment (2024-12-27): Lender granted exception approval with compensating factors in loan file.

Seller Comment (2024-12-23): see [redacted] with updated notes
[redacted] - [redacted] .pdf (Unclassified) was uploaded

Seller Comment (2024-12-23): see attached approval
Approval - [redacted] .pdf (Unclassified) was uploaded

12/27/2024

Investment

Purchase

N/A

223343254

1052852159

33409396

Credit

Insurance

Insurance Documentation

Insurance

Hazard Insurance Error: Subject hazard insurance premium is missing from evidence of insurance.

Hazard insurance policy not provided in file.

Reviewer Comment (2024-12-31): Hazard insurance and Master policy document received - Exception Cleared.

Seller Comment (2024-12-30): attached is the master policy.
master policy.pdf (Unclassified) was uploaded

Reviewer Comment (2024-12-27): File is missing copy of master policy, HO-6[redacted] Policy received, Exception remains.

Seller Comment (2024-12-26): attached is the HOI
hoi.pdf (Unclassified) was uploaded

12/31/2024

Primary

Purchase

Non QM

223343254

1052852159

33409398

Credit

Loan Package Documentation

Application / Processing

Loan Package Documentation

Missing Document: Purchase Agreement / Sales Contract not provided

Purchase agreement/ sales contract not provided in file.

Reviewer Comment (2024-12-27): Purchase agreement/ sales contract received, Exception cleared.

Seller Comment (2024-12-26): attached is the sales contact.
cos.pdf (Unclassified) was uploaded

12/27/2024

Primary

Purchase

Non QM

223343254

1052852159

33409399

Compliance

Federal Compliance

ECOA

ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation

ECOA Valuations Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted][redacted] business days prior to consummation.

No evidence in file showing borrower received copy of appraisal.

Reviewer Comment (2025-01-02): Appraisal delivery confirmation document received, Exception Cleared.

Seller Comment (2024-12-30): Per the appraisal disclosure, the appraisal was delivered to the borrower on [redacted] . Please review.

Reviewer Comment (2024-12-27): Require delivery confirmation of appraisal report dated [redacted], Exception remains.

Seller Comment (2024-12-26): attached is the appraisal disclosure.
litcher appraisal disclosure.pdf (Unclassified) was uploaded

01/02/2025

Primary

Purchase

Non QM

223343254

1052852159

33409400

Compliance

Federal Compliance

TILA

ARM Disclosure Status Test

TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.

The Arm disclosure is not signed dated by borrower.

Reviewer Comment (2024-12-27): ARM Disclosure received, Exception Cleared.

Seller Comment (2024-12-26): see attached arm disclosure
arm disclosure.pdf (Unclassified) was uploaded

12/27/2024

Primary

Purchase

No Defined Cure

Non QM

223343266

241124885

33409440

Credit

Miscellaneous

Guideline

Credit Exception:

Lender exception for use of assets held with [redacted], for reserve requirements only.

Borrower has been employed in the same industry for more than [redacted] years.

Borrower has verified disposable income of at least $[redacted]

Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.

Reserves: [redacted]
Guideline Requirement: [redacted]

SitusAMC

SitusAMC

Aggregator,SitusAMC

Reviewer Comment (2025-01-07): Client elects to waive with compensating factors.

01/07/2025

Primary

Refinance - Rate/Term

Non QM

223378514

250226786

33440635

Credit

Asset

Asset Calculation / Analysis

Asset

Available for Closing is insufficient to cover Cash From Borrower.

There is no bank statement provided in the file.

Reviewer Comment (2025-03-17): Received bank statement for borrowing business entity with sufficient funds to meet cash from borrower requirement. Exception cleared.

Buyer Comment (2025-03-13): Asset statement uploaded for review.

03/17/2025

Investment

Refinance - Rate/Term

N/A

223378515

250226883

33440637

Credit

Documents

Missing Document

Documents

File does not contain documentation from lender/seller confirming the condo is warrantable.

Reviewer Comment (2025-03-14): Provided Condominium questionnaire proves that the Condo projects is [redacted]% complete and turned over in [redacted] along with there is no critical repair identified specific to structural safety, soundness, and habitability. Exception cleared.

Buyer Comment (2025-03-13): Per guidelines section [redacted] WARRANTABLE CONDO "Condo projects must be [redacted] % complete and HOA turned over. No Ineligible Projects characteristics as defined by [redacted] , including projects in need of critical repair". Per the questionnaire provided in the initial shipping package Doc ID [redacted] , the project is [redacted] % complete, the HOA turned over in [redacted] and there are no critical repairs noted.

03/14/2025

Investment

Purchase

N/A

223378517

250226932

33440641

Credit

Miscellaneous

Guideline

Credit Exception:

Lender Exception approved for current property purchase transaction much be listed with a realtor on MLS however home is listed as a [redacted] only.

The representative FICO score exceeds the guideline minimum by at least [redacted] points.

The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by [redacted].

Guidelines Representative FICO: [redacted]
Representative FICO: [redacted]

Debt Service Coverage Ratio: [redacted]
Guideline Requirement: [redacted]

SitusAMC,Aggregator

Aggregator,SitusAMC

Reviewer Comment (2025-03-13): Client elects to waive with comp factors.

03/13/2025

Investment

Purchase

N/A

223378521

250226990

33440647

Credit

Documents

Missing Document

Documents

File does not contain documentation from lender/seller confirming the condo is warrantable.

Reviewer Comment (2025-03-21): Condo questionnaire meets guides.

Buyer Comment (2025-03-21): Per guidelines section [redacted] Warrantable Condo "Condo projects must be [redacted] % complete and HOA turned over; No Ineligible Projects characteristics as defined by [redacted] , including projects in need of critical repair". Per the questionnaire documentation provided in the initial shipping package Doc ID [redacted] , the project is [redacted] % complete, with the HOA turned over in [redacted] with no safety, soundness, structural integrity or habitability issues noted.

03/21/2025

Investment

Refinance - Cash-out - Other

N/A

223378524

250226896

33440652

Credit

Insurance

Insurance Analysis

Insurance

Insufficient Coverage: Hazard insurance coverage amount is insufficient.

Loan amount: $[redacted]. Coverage amount: $[redacted]. Coverage shortfall: $[redacted].

Reviewer Comment (2025-03-26): Replacement cost settlement on dwelling is up to coverage A amount. Exception cleared.

Buyer Comment (2025-03-25): Per the HOI provided in the file Doc ID [redacted] , under other property and liability coverages it denotes that the insurance is based on replacement cost loss settlement.

03/26/2025

Investment

Purchase

N/A

223378527

250227237

33440656

Credit

Business Purpose

General

Business Purpose

Missing Document: Spousal Consent not provided.

Spousal Consent not provided.

Reviewer Comment (2025-03-28): This is an [redacted] property closed in entity and guarantor-individual coborrower, spousal consent not required. Exception cleared

Buyer Comment (2025-03-27): Non borrowing spouses must sign throughout the nation unless "the subject property is in a state that is a common law jurisdiction without applicable homestead exemptions". The subject property is located in [redacted], which is a homestead state only, this is an investment property which closed in an Entity Name not as individual, hence spousal consent would not be required.

03/28/2025

Investment

Purchase

N/A

223378534

250227241

33440667

Credit

Loan Package Documentation

Application / Processing

Loan Package Documentation

Missing Document: Business Purpose Certificate not provided

Reviewer Comment (2025-04-07): Received Business Purpose Certificate in the file. Exception Cleared.

Buyer Comment (2025-04-04): Business purpose affidavit uploaded for review.

04/07/2025

Investment

Purchase

N/A

223378535

1052924793

33440668

Credit

Title

General

Title

Title Policy Coverage is less than Original Loan Amount.

The Title Policy Amount of $[redacted] is less than the note amount of $[redacted] based on the Commitment in file.

Reviewer Comment (2025-03-17): Received updated title commitment with the corrected policy amount. Exception Cleared.

Seller Comment (2025-03-14): UPDATED TITLE
[redacted] - UPDATED TITLE.pdf (Unclassified) was uploaded

03/17/2025

Investment

Purchase

N/A

223378540

1052921038

33440675

Credit

Asset

Asset Calculation / Analysis

Asset

Available for Closing is insufficient to cover Cash From Borrower.

Documented qualifying Assets for Closing of $[redacted] is less than Cash From Borrower $[redacted].

Reviewer Comment (2025-03-25): Cash from Borrower was incorrectly calculated. However, the corrected Cash from Borrower is $[redacted] + $[redacted] + $[redacted] = $[redacted] , due to which the cash to close requirement has been met. Exception Cleared.

Seller Comment (2025-03-25): [redacted].pdf (Unclassified) was uploaded

03/25/2025

Investment

Purchase

N/A

223378554

250226772

33440694

Credit

Income / Employment

Income Documentation

Missing Document

REO Documents are missing.

Missing Insurance Verification for [redacted]

Reviewer Comment (2025-03-18): Property is free and clear, and information verified from fraud report. Fraud Report document associated. Exception Cleared.

Buyer Comment (2025-03-18): Per the [redacted] report Doc ID [redacted] pages [redacted] & [redacted] and the Open Lien Report Doc ID [redacted] page [redacted] , this property is free and clear of mortgage debt therefore hazard insurance is not required.

03/18/2025

Primary

Refinance - Cash-out - Other

Non QM

223378554

250226772

33440699

Compliance

Federal Compliance

TRID

TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. Sufficient or excess cure was provided to the borrower at Closing.

Reviewer Comment (2025-03-14): Sufficient Cure Provided At Closing

03/14/2025

Primary

Refinance - Cash-out - Other

Final CD evidences Cure

Non QM

223378560

250226964

33440718

Credit

Income / Employment

Income Documentation

Income / Employment

Income Docs Missing:

The award letter for social security income is not located in the file.

Reviewer Comment (2025-03-20): Account statement verifying the SSA income available in file & associated. Exception cleared.

Buyer Comment (2025-03-19): Proof of receipt of [redacted] month of the income satisfies one type of income documentation required under Section [redacted] of guidelines, which appears on the borrower's[redacted] #[redacted] stmts under doc ID [redacted] .

03/20/2025

Primary

Purchase

Non QM

223378560

250226964

33440722

Credit

Miscellaneous

Guideline

Credit Exception:

Lender exception provided for min tradeline not met of [redacted] tradelines with rating of [redacted]months.

Reviewer Comment (2025-03-20): Lender exception form in file however status reflects Exception not Required.

03/20/2025

Primary

Purchase

Non QM

223378560

250226964

33440723

Credit

Miscellaneous

Guideline

Credit Exception:

Lender exception provided for incomplete housing history - No open and active mortgages reporting on credit or free and clear properties is generally limited to max [redacted]% LTV.

Reviewer Comment (2025-03-20): Lender exception form in file however status reflects Exception not Required.

03/20/2025

Primary

Purchase

Non QM

223378561

250227105

33440724

Credit

Hazard Insurance

Insufficient Coverage

Hazard Insurance

The Hazard Insurance Policy effective date is after the funds disbursed.

The Hazard Insurance Policy Effective Date of [redacted] is after the later of the disbursement, note or transaction date ([redacted]).

Reviewer Comment (2025-03-26): Post closed closing disclosure is provided exception cleared.

Buyer Comment (2025-03-25): Submitted PCCD for review.

03/26/2025

Primary

Purchase

Non QM

223378561

250227105

33440727

Compliance

Federal Compliance

TRID

TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing.

Reviewer Comment (2025-03-17): Sufficient Cure Provided At Closing

03/17/2025

Primary

Purchase

Final CD evidences Cure

Non QM

223378561

250227105

33440728

Credit

System

General

Appraisal Reconciliation

Valuation address does not match Note address.

Valuation city of [redacted] does not match [redacted] city of [redacted].

Reviewer Comment (2025-03-20): Appraisal address matching with USPS confirmation. Exception cleared.

Buyer Comment (2025-03-19): [redacted] is a [redacted] of greater [redacted] The Note city matches the Exhibit "A" legal description from Title under doc ID [redacted] . The appraisal city corresponds with the USPS search under doc ID [redacted] . Both are [redacted]-in-the-same and acceptable as is. Please escalate, as [redacted] had same finding cleared with no additional documentation required.

03/20/2025

Primary

Purchase

Non QM

223378561

250227105

33440729

Credit

System

General

System

Flood Certificate Subject Address does not match Note address.

Flood Certificate city of [redacted] does not match [redacted] city of [redacted]

Reviewer Comment (2025-03-20): Flood certificate address matching with USPS confirmation. Exception cleared.

Buyer Comment (2025-03-19): [redacted] is a [redacted] of greater [redacted] . The Note city matches the Exhibit "A" legal description from Title under doc ID [redacted] . The Flood Cert city corresponds with the USPS search under doc ID [redacted] . Both are one-in-the-same and acceptable as is. Please escalate, as [redacted] had same finding cleared with no additional documentation required.

03/20/2025

Primary

Purchase

Non QM

223378561

250227105

33440730

Credit

Insurance

Insurance Analysis

Insurance

Insurance address does not match Note address.

Insurance city of [redacted] does not match [redacted] city of [redacted].

Reviewer Comment (2025-03-20): Hazard insurance address matching with USPS confirmation. Exception cleared.

Buyer Comment (2025-03-19): [redacted] is a suburb of greater [redacted] . The Note city matches the Exhibit "A" legal description from Title under doc ID [redacted] . The HOI city corresponds with the USPS search under doc ID [redacted] . Both are [redacted]-in-the-same and acceptable as is. Please escalate, as [redacted] had same finding cleared with no additional documentation required.

03/20/2025

Primary

Purchase

Non QM

223378563

1052924420

33440753

Credit

Miscellaneous

Guideline

Credit Exception:

Lender approved exception to allow [redacted] yr PPP only [redacted],and [redacted]year is offered. Compensating Factors: DTI well below max of [redacted]%, Borrower has [redacted]months reserves and Borrower is with the same employer since [redacted]

Borrower has been employed in the same industry for more than [redacted] years.

Borrower has verified disposable income of at least $[redacted] .

Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.

Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted] % and $[redacted] .

The representative FICO score exceeds the guideline minimum by at least [redacted] points.

Borrower's monthly mortgage payment has decreased by at least [redacted] %.

Reserves: [redacted]
Guideline Requirement: [redacted]

SitusAMC

SitusAMC

Aggregator,SitusAMC

SitusAMC

SitusAMC

SitusAMC

Reviewer Comment (2025-03-19): Client elects to waive with comp factors.

03/19/2025

Investment

Purchase

N/A

223378581

250227024

33440834

Credit

AUS Discrepancy / Guidelines Discrepancy

Guideline

Guideline Requirement: [redacted] qualifying total debt ratio discrepancy.

DTI variance due to lender not considering expenses associated with [redacted] property at [redacted].

Reviewer Comment (2025-03-27): Cleared. Corrected vacancy factor.

Reviewer Comment (2025-03-26): Exception Remains - Vacancy factor [redacted] % can be offset from departing and rental income is not considered in DTI calculation.

Buyer Comment (2025-03-25): [redacted] is the departing residence that is free and clear. [redacted] using a [redacted] % vacancy factor as permitted per Section [redacted] of guidelines was included in the initial shipping package under doc ID [redacted] supporting sufficient market rents to offset the Taxes, Insurance, and HOA dues.

03/27/2025

Primary

Purchase

Non QM

223378582

250226763

33440837

Credit

Income / Employment

Income Documentation

Missing Document

REO Documents are missing.

Reviewer Comment (2025-03-31): Documentation provided.
• [redacted]  - the mortgage statement was provided Doc ID [redacted] , additionally documentation would not be required, as the statement reflects escrows.
• [redacted] - The LE was uploaded [redacted] and 1008 [redacted] , this loan was not closed by the lender at this time or prior to closing.

Reviewer Comment (2025-03-31): EXCEPTION HISTORY - Exception Explanation was updated on [redacted]  PRIOR Exception Explanation: Insurance Verification, Statement, Tax Verification
Insurance Verification

Reviewer Comment (2025-03-31): EXCEPTION HISTORY - Exception Detail was updated on [redacted]  PRIOR Exception Detail: Address: [redacted] , Address: [redacted] , Address: [redacted]
EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Statement
Insurance Verification, Statement, Tax Verification
Insurance Verification

Reviewer Comment (2025-03-28): Provided mortgage statement for property [redacted] does not reflect bifurcation for taxes and insurance expenses we would require insurance document to verify monthly premium amount and also provide Final Closing disclosure and supporting document to verify expenses $[redacted] reflected on final 1003 for property [redacted] . Exception remains.

Buyer Comment (2025-03-27): The 1008 and Loan Estimate have been uploaded for [redacted] this is a new loan that has not yet closed.  With reference to [redacted] - This is the Subject Property, please advise as to what documentation was not provided.  With reference to [redacted] , the HOA Statement is under Doc ID [redacted] and Mortgage Statement is under Doc ID [redacted] which reflects escrows.

03/31/2025

Investment

Refinance - Cash-out - Other

N/A

223378582

250226763

33440838

Compliance

Federal Compliance

ECOA

ECOA Appraisal - Appraisal Provided Prior to Date Performed

ECOA Valuations Rule (Dodd-Frank [redacted]): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements.

No evidence in file showing borrower received copy of revised valuation.

Buyer Comment (2025-03-26): EV2 acknowledged.

03/26/2025

Investment

Refinance - Cash-out - Other

N/A

223378582

250226763

33440839

Property

Property - Appraisal

Appraisal Documentation

Property - Appraisal

Loan is to be securitized. [redacted] valuation is missing. Sec ID: [redacted].

Reviewer Comment (2025-03-28): Exception cleared. Received Desk Review Report and updated correctly.

Buyer Comment (2025-03-26): The appraisal review was provided in the initial shipping package which can be located in your portal under the Desk Review folder Doc ID [redacted] starting on page [redacted] .

03/28/2025

Investment

Refinance - Cash-out - Other

N/A

223378586

250126563

33440851

Credit

Miscellaneous

Guideline

Credit Exception:

Lender exception request due to [redacted] Out of [redacted] units being [redacted] Square feet which is under the minimum requirement of [redacted] Square feet is approved.

Borrower has been employed in the same industry for more than [redacted] years.

Borrower has verified disposable income of at least $[redacted] .

Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.

The representative FICO score exceeds the guideline minimum by at least [redacted] points.

The refinance has decreased the borrower's monthly debt payments by [redacted] % or more.

Guidelines Representative FICO: [redacted]
Representative FICO: [redacted]

SitusAMC

SitusAMC

SitusAMC

Aggregator,SitusAMC

SitusAMC

Reviewer Comment (2025-03-31): Client elects to waive with comp factors.

03/31/2025

Investment

Refinance - Rate/Term

N/A

223502265

250226759

33576714

Credit

Miscellaneous

Guideline

Credit Exception:

Please provide corrected Note removing 'member' from [redacted] signature line.

Reviewer Comment (2025-04-29): Received corrected note. Condition cleared.

Buyer Comment (2025-04-29): Updated Note and Addendum To Note uploaded for review.

04/29/2025

Investment

Purchase

N/A

223502266

250126273

33576716

Credit

Miscellaneous

Guideline

Credit Exception:

Lender Exception requested and approved for [redacted]% LTV vs. [redacted]% maximum due to property being listed for sale in most recent [redacted] months.

[redacted] Borrower/Investor whose experience exceeds [redacted] completed projects.

The representative FICO score exceeds the guideline minimum by at least [redacted] points.

Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.

Reserves: [redacted]
Guideline Requirement: [redacted]

SitusAMC

SitusAMC

Aggregator,SitusAMC

Reviewer Comment (2025-04-02): Client elects to waive with comp factors.

04/02/2025

Investment

Refinance - Cash-out - Other

N/A

223502475

250327340

33576805

Credit

Income / Employment

Income Documentation

Missing Document

REO Documents are missing.

Tax Verification document is not provided for Address: [redacted]

Reviewer Comment (2025-04-29): Document received.

Buyer Comment (2025-04-28): Property Detail Report with Taxes used for [redacted] , uploaded 1008, approval and 1003 uploaded for review.

04/29/2025

Primary

Purchase

Non QM

223637114

1052926459

33757787

Credit

Miscellaneous

Credit

Missing Document: Credit Payoff Statement(s) not provided

File is missing the payoff letter for the mortgage paid at closing.

Reviewer Comment (2025-05-02): Received required documentation. Condition cleared.

Seller Comment (2025-04-29): PAYOFF DEMAND
[redacted] PAYOFF DEMAND.pdf (Unclassified) was uploaded

05/02/2025

Investment

Refinance - Cash-out - Other

N/A

223637134

1052927562

33757789

Credit

Income / Employment

Income Documentation

Missing Document

REO Documents are missing.

Mortgage Statement missing for Address: [redacted]

Reviewer Comment (2025-04-24): Cleared. Received Mortgage Statement [redacted] .

Seller Comment (2025-04-22): Mortgage Statement evidencing Taxes AND Insurance included in payment
[redacted] Mortgage Statement.pdf (Credit Review Documentation) was uploaded

Seller Comment (2025-04-21): Payment on Credit = $[redacted] ...$[redacted] (P & I payment on print out from servicer) +$[redacted] (Taxes on print out...$[redacted] / yr) + $[redacted] (Insurance on invoice...$[redacted] / yr)
[redacted] REO docs.pdf (Credit Review Documentation) was uploaded.

Reviewer Comment (2025-04-21): Provided CD monthly P&I ($[redacted] ) does not match with monthly payment reported on credit report ($[redacted] ). Exception remains.

Seller Comment (2025-04-18): Loan closed with [redacted] in Dec [redacted] . Evidence of payment and servicing transfer to Mortgagee on credit
[redacted] PITI associated with [redacted] .pdf (Credit Review Documentation) was uploaded

04/24/2025

Investment

Purchase

N/A

223637134

1052927562

33757790

Credit

Income / Employment

Income Documentation

Missing Document

REO Documents are missing.

HOA statement is missing for REO on [redacted] to verify monthly expense.

Reviewer Comment (2025-04-21): HOA payment history received, Exception Cleared.

Seller Comment (2025-04-18): Tax bill (included in document) verifies "[redacted] " as the Condo project. Following Invoice/Check support "[redacted]" as the Payee. Email included to verify quarterly payment.
[redacted] HOA dues for [redacted] .pdf (Credit Review Documentation) was uploaded

04/21/2025

Investment

Purchase

N/A

223637134

1052927562

33757791

Credit

Income / Employment

Income Documentation

Income / Employment

Income Docs Missing:

The business narrative is missing from the file.

Reviewer Comment (2025-04-24): Cleared. Received business narrative.

Seller Comment (2025-04-22): [redacted] Business Narrative [redacted].pdf (Credit Review Documentation) was uploaded

Reviewer Comment (2025-04-21): Received borrower affirmation document. Business narrative is missing for business income used for qualification. Exception remains.

Seller Comment (2025-04-18): [redacted] Business Narrative.pdf (Credit Review Documentation) was uploaded

04/24/2025

Investment

Purchase

N/A

223637135

1052927003

33757793

Property

Appraisal Reconciliation

Value Discrepancy

Appraisal Reconciliation

Loan is to be securitized. Highest level [redacted] valuation does not support the value used to qualify. Sec ID: [redacted]

Valuation value is not given on appraisal field review document.

Reviewer Comment (2025-04-23): Received required documentation. Condition cleared.

Seller Comment (2025-04-18): [redacted] Valuation and Proof of Service
[redacted] CDA.pdf (Unclassified) was uploaded

04/23/2025

Investment

Refinance - Cash-out - Other

N/A

223637135

1052927003

33757794

Compliance

Federal Compliance

ECOA

ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation

ECOA Valuations Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted][redacted]business days prior to consummation.

Verification appraisal was delivered to borrower not provided in file.

Reviewer Comment (2025-04-23): Received document for the Desk Review CDA delivery. Exception cleared.

Seller Comment (2025-04-18): [redacted] Appraisal Time Frame Waiver.pdf (Unclassified) was uploaded

Seller Comment (2025-04-18): Appraisal [redacted] Day Waiver
[redacted] Appraisal Time Frame Waiver.pdf (Unclassified) was uploaded

04/23/2025

Investment

Refinance - Cash-out - Other

N/A

223637135

1052927003

33757795

Compliance

Federal Compliance

ECOA

ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation

ECOA Valuations Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted][redacted]business days prior to consummation.

Verification appraisal was delivered to borrower not provided in file.

Reviewer Comment (2025-04-22): Appraisal delivery confirmation document received, Exception Cleared.

Seller Comment (2025-04-18): [redacted] Appraisal Proof of Delivery.pdf (Unclassified) was uploaded

Seller Comment (2025-04-18): [redacted] Appraisal Time Frame Waiver.pdf (Unclassified) was uploaded

04/22/2025

Investment

Refinance - Cash-out - Other

N/A

223637135

1052927003

33757796

Compliance

Federal Compliance

ECOA

ECOA Appraisal - Appraisal Waiver Less than 3 Days From Consummation

ECOA Valuations Rule (Dodd-Frank [redacted]): Borrower provided appraisal waiver less than [redacted][redacted]) business days prior to consummation.

Reviewer Comment (2025-04-24): Client elects to waive.

Buyer Comment (2025-04-24): [redacted] acknowledges and waives this non-material EV2 finding: Comp factors: Fico [redacted] / DTI [redacted] / [redacted] mos reserves

04/24/2025

Investment

Refinance - Cash-out - Other

N/A

223637135

1052927003

33757797

Property

Appraisal Reconciliation

Value Discrepancy

Appraisal Reconciliation

Loan is to be securitized. Highest level [redacted] valuation supports the value. There is a lower level tertiary product that does not support the qualifying value. Sec ID: [redacted]

Note Date: ___; Lien Position: ___

Updated: This EV2 exception is for informational purposes only. Lender may, at their discretion, choose to waive.

04/24/2025

Investment

Refinance - Cash-out - Other

N/A

223637138

250226721

33757811

Compliance

Legal / Regulatory / Compliance

Anti-Predatory Violation

Federal Defect

(Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided)

Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower

HOEPA Disclosure is missing in file.

Reviewer Comment (2025-03-21): High cost provided & Undiscounted interest rate updated. Exception cleared.

Buyer Comment (2025-03-20): Loan is not High-Cost. Submitted Bona Fide Discount Point Assessment Attestation for review.

03/21/2025

Primary

Purchase

Non QM

223637138

250226721

33757812

Compliance

Legal / Regulatory / Compliance

Anti-Predatory Violation

Federal Defect

(Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees)

Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees.

Undiscounted rate and price is not provided.

03/21/2025

Primary

Purchase

Non QM

223637138

250226721

33757813

Compliance

Legal / Regulatory / Compliance

Anti-Predatory Violation

Federal Defect

(Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge)

Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of [redacted]% of the amount past due or grace period of less than [redacted] days.

Late charge is exceeded the threshold of [redacted]% of the amount past due or grace period of less than [redacted]days.

03/21/2025

Primary

Purchase

Non QM

223637138

250226721

33757814

Compliance

Federal Compliance

Federal Defect

(Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees)

Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of [redacted]% is in excess of the allowable maximum of [redacted]% of the [redacted] Total Loan Amount. Points and Fees of $[redacted]on a [redacted] Total Loan Amount of $[redacted] vs. an allowable total of $[redacted](an overage of $[redacted]or [redacted]%). Non-Compliant High Cost Loan.

Undiscounted rate and price is not provided.

03/21/2025

Primary

Purchase

(1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted.

Non QM

223637138

250226721

33757815

Compliance

Legal / Regulatory / Compliance

Anti-Predatory Violation

Federal Defect

(Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement)

Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling.

HOEPA Counseling Certification is missing in file.

03/21/2025

Primary

Purchase

Non QM

223637138

250226721

33757818

Compliance

State Compliance

State Defect

(State High Cost) Texas High-Cost Loan (Points and Fees)

[redacted] Anti-Predatory Lending Statute: Points and Fees on subject loan of [redacted]% is in excess of the allowable maximum of [redacted]% of the Total Loan Amount. Points and Fees total $[redacted]on a Total Loan Amount of $[redacted] vs. an allowable total of $[redacted] (an overage of $[redacted]or .[redacted]%). Compliant High Cost Loan.

Undiscounted rate and price is not provided.

03/21/2025

Primary

Purchase

No obvious cure

Non QM

223637138

250226721

33757820

Compliance

Federal Compliance

TRID

TRID Tolerance Fee Rounding

Unable to determine whether a cure was provided due to missing information.

Reviewer Comment (2025-03-21): Tolerance adjustment updated in compliance screen. Exception cleared.

03/21/2025

Primary

Purchase

Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD

Non QM

223637139

250226946

33757823

Property

Property - Appraisal

Appraisal Documentation

Property - Appraisal

Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided.

[redacted] is not provided.

Reserves: [redacted]
Guideline Requirement: [redacted]

Guidelines Representative FICO: [redacted]
Representative FICO: [redacted]

SitusAMC

SitusAMC

Aggregator,SitusAMC

SitusAMC

Aggregator,SitusAMC

Reviewer Comment (2025-05-13): Received lender attestation and photo of double strapped water heater. Condition cleared.

Buyer Comment (2025-05-08): UW Cert with photos of [redacted] strapped water heater uploaded for review.

Buyer Comment (2025-04-30): Approved credit exception uploaded for review.

05/13/2025

Primary

Purchase

Non QM

223637139

250226946

33757824

Compliance

Federal Compliance

ECOA

ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File)

ECOA Valuations Rule (Dodd-Frank [redacted]): Borrower waived right to receive a copy of the appraisal at least [redacted]([redacted]) business days prior to closing, and appraisal was not provided at or before closing.

No evidence in file of borrower receiving copy of appraisal.

Reviewer Comment (2025-03-21): Exception cleared - Appraisal Delivery proof received and updated clarity.

Buyer Comment (2025-03-20): Per the Instructions to Escrow/Title/Closing Agent the appraisal reports were provided to the borrower at the time of closing, Doc ID [redacted] page [redacted] . The closing documentation tracking has also been uploaded which denotes the appraisal were provided to be delivered per the instructions.

03/21/2025

Primary

Purchase

Non QM

223637139

250226946

33757825

Compliance

Federal Compliance

ECOA

ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File)

No evidence in file showing borrower received copy of appraisal.

Reviewer Comment (2025-03-21): Exception cleared - Appraisal Delivery proof received and updated clarity.

Buyer Comment (2025-03-20): Per the Instructions to Escrow/Title/Closing Agent the appraisal reports were provided to the borrower at the time of closing, Doc ID [redacted] page [redacted] . The closing documentation tracking has also been uploaded to trailing docs which denotes the appraisal were provided to be delivered per the instructions.

03/21/2025

Primary

Purchase

Non QM

223637139

250226946

33757827

Credit

Miscellaneous

Guideline

Credit Exception:

Lender exception request to use [redacted]accounts in asset depletion is approved.

Reserves: [redacted]
Guideline Requirement: [redacted]

Guidelines Representative FICO: [redacted]
Representative FICO: [redacted]

SitusAMC

SitusAMC

Aggregator,SitusAMC

SitusAMC

Aggregator,SitusAMC

Buyer Comment (2025-05-08): Approved credit exception is in the file as noted in the exception information (Doc ID [redacted] ) .

Reviewer Comment (2025-03-25): Client elects to waive with compensating factors.

Buyer Comment (2025-03-20): The approved credit exception is in the file as noted in the exception information (Doc ID [redacted] ) why is this an open EV3 finding? Please advise.

05/08/2025

Primary

Purchase

Non QM

223637141

1052924525

33757833

Credit

Income / Employment

Income Documentation

Missing Document

REO Documents are missing.

Tax verification is missing for these [redacted] properties. CDs from refinance does not provide the full tax amounts.

Reviewer Comment (2025-04-08): Received evidence of tax amount. Exception cleared.

Seller Comment (2025-04-04): See attached
[redacted] Tax docs.pdf (Unclassified) was uploaded

04/08/2025

Investment

Refinance - Rate/Term

N/A

223637141

1052924525

33757835

Credit

Missing Document

General

Missing Document

Missing Document: Evidence of Access to Funds not provided

Per lender guides, the following is required for shared business assets: Shared ownership requires an access letter from partners allowing the use of the business funds by the borrower

Reviewer Comment (2025-04-08): Received letter of explanation for full access to the funds from the partner. Exception cleared.

Seller Comment (2025-04-07): Access LOE
[redacted] access LOE.pdf (Unclassified) was uploaded

04/08/2025

Investment

Refinance - Rate/Term

N/A

Valuation Report

Run Date - 7/23/2025 2:37:53 PM

SitusAMC Loan ID	Customer Loan ID	Seller Loan ID	Investor Loan Number	Note Date	Original Loan Amount	Sales Price	Value for LTV	LTV Value Variance Amount	LTV Value Variance Percent	Primary Valuation Value	Primary Valuation Report Date	Primary Valuation Effective Date	Primary Valuation Type	Primary Valuation Company	Primary Valuation Appraiser Name	Primary Valuation Appraiser License Num	Primary Valuation FSD Score	Secondary Valuation Value	Secondary Valuation Variance Amount	Secondary Valuation Variance Percent	Secondary Valuation Report Date	Secondary Valuation Effective Date	Secondary Valuation Type	Secondary Valuation Company	Secondary Valuation FSD Score	Secondary Valuation Desk Review Risk Score	AVM Value	AVM Variance Amount	AVM Variance Percent	AVM Company	AVM FSD Score	AVM Report Date	Desk Review Value	Desk Review Variance Amount	Desk Review Variance Percent	Desk Review Company	Desk Review Risk Score	Desk Review Report Date	Desk Review Effective Date	Desktop Appraisal Value	Desktop Appraisal Variance Amount	Desktop Appraisal Variance Percent	Desktop Appraisal Company	Desktop Appraisal Report Date	Desktop Appraisal Effective Date	BPO Value	BPO Variance Amount	BPO Variance Percent	BPO Company	BPO Report Date	Field Review Value	Field Review Variance Amount	Field Review Variance Percent	Field Review Company	Field Review Report Date	Field Review Effective Date	2055 Value	2055 Variance Amount	2055 Variance Percent	2055 Company	2055 Report Date	2055 Effective Date	AVE/CMA Value	AVE/CMA Variance Amount	AVE/CMA Variance Percent	AVE/CMA Company	AVE/CMA Report Date	Hybrid Valuation Value	Hybrid Valuation Variance Amount	Hybrid Valuation Variance Percent	Hybrid Valuation Company	Hybrid Valuation Report Date	Updated Valuation Value	Updated Valuation Variance Amount	Updated Valuation Variance Percent	Updated Valuation Company	Updated Valuation Report Date	Updated Valuation Effective Date	Aggregate Appraised Value	Aggregate Variance Amount	Aggregate Variance Percent	Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?	LCA Risk Score	Collateral Underwriter Risk Score
221899355	4000036898	4000036898							0.000%				Appraisal							0.000%			Desk Review			Low																																																								N/A
222663199	1052840103	1052840103							0.000%				Appraisal																																																																					N/A		2.00
222696847	241024611	241024611							0.000%				Appraisal																																																																					Yes		1.00
222752517	1052853484	1052853484							0.000%				Appraisal							0.000%			Desk Review			Low																																																								No	3.00	2.80
222752526	241124955	241124955							0.000%				Appraisal																																																																					N/A		2.50
222752528	241024714	241024714							0.000%				Appraisal							0.000%			Desk Review			Moderate																																																								N/A
222752572	1052839825	1052839825							0.000%				Appraisal																																																																					No		1.00
222752577	1052849937	1052849937							0.000%				Appraisal																																																																					N/A		1.00
222895378	12024090304	12024090304							0.000%				Appraisal							0.000%			Desk Review			Low																																																								N/A
222895408	12024050506	12024050506							0.000%				Appraisal							0.000%			Desk Review			Moderate																																																								No
222933858	1052839661	1052839661							0.000%				Appraisal							0.000%			Desk Review			Low																																																								Yes	1.00
222933869	241125428	241125428							0.000%				Appraisal																																																																					N/A		2.50
222933872	241125273	241125273							0.000%				Appraisal							0.000%			Desk Review			Low																																																								N/A
222933876	241225866	241225866							0.000%				Appraisal							0.000%			Desk Review			Low																																																								N/A
222933891	1052839475	1052839475							0.000%				Appraisal																																																																					No	4.00	1.00
222933906	1052849970	1052849970							0.000%				Appraisal							0.000%			Desk Review			Moderate																																																								No
222933907	1052849931	1052849931							0.000%				Appraisal							0.000%			Desk Review			Moderate																																																								No	5.00	4.10
222979894	241024707	241024707							0.000%				Appraisal							0.000%			Desk Review			Low																																																								N/A
222979895	241225660	241225660							0.000%				Appraisal							0.000%			Desk Review			Low																																																								N/A
222979917	240923873	240923873							0.000%				Appraisal																																																																					N/A		1.00
223022921	4000048947	4000048947							0.000%				Appraisal							-4.412%			Desk Review			Moderate																																																								N/A
223022923	4000048706	4000048706							0.000%				Appraisal																																																																					No	5.00	2.50
223022940	4000050332	4000050332							0.000%				Appraisal																																																																					No	4.50	2.10
223022949	4000046480	4000046480							0.000%				Appraisal							0.000%			Desk Review			Moderate																																																								No		4.10
223022956	4000048048	4000048048							0.000%				Appraisal							0.000%			Desk Review			Low																																																								No	4.00	1.00
223022965	4000052244	4000052244							0.000%				Appraisal																																																																					No	4.00	1.00
223022981	4000052419	4000052419							0.000%				Appraisal							0.000%			Desk Review			Low																																																								N/A
223022993	4000050477	4000050477							0.000%				Appraisal							-6.250%			Desk Review			Moderate																																																								N/A
223022999	4000055012	4000055012							0.000%				Appraisal																																																																					N/A		2.00
223023004	4000054713	4000054713							0.000%				Appraisal																																																																					No		1.70
223023390	4000044738	4000044738							0.000%				Appraisal																																																																					N/A		1.00
223038896	241024381	241024381							0.000%				Appraisal																																																																					N/A		1.20
223089460	1052883614	1052883614							0.000%				Appraisal							-6.667%			Desk Review			Moderate																																																								N/A
223089461	1052868898	1052868898							0.000%				Appraisal																																																																					N/A		1.70
223089462	1052883904	1052883904							0.000%				Appraisal							0.000%			Desk Review			Moderate																																																								N/A
223089476	1052872241	1052872241							0.000%				Appraisal							0.000%			Appraisal																																																											No
223195218	241125016	241125016							0.000%				Appraisal							0.000%			Desk Review			Moderate																																																								N/A
223195225	1052840421	1052840421							0.000%				Appraisal																																																																					No	4.00	1.10
223212400	12024090765	12024090765							0.000%				Appraisal							0.000%			Desk Review			Moderate																																																								No
223212416	12024100501	12024100501							0.000%				Appraisal							0.000%			Desk Review			Low																																																								N/A
223212422	12024110180	12024110180							0.000%				Appraisal							0.000%			Desk Review			Moderate																																																								N/A
223212436	12024090463	12024090463							0.000%				Appraisal							0.000%			Desk Review			Low																																																								N/A
223283420	250126497	250126497							0.000%				Appraisal																																																																					N/A		1.00
223283433	1052924524	1052924524							0.000%				Appraisal							0.000%			Desk Review			Low																																																								N/A
223283436	1052883490	1052883490							0.000%				Appraisal							0.000%			Desk Review			Low																																																								Yes	2.50	3.00
223283450	250126457	250126457							0.000%				Hybrid Appraisal							0.000%			Desk Review			Moderate																																																								N/A
223283456	250126220	250126220							0.000%				Appraisal							0.000%			Desk Review			Low																																																								No
223342357	1052840053	1052840053							0.000%				Appraisal							0.000%			Desk Review			Low																																																								No
223343254	1052852159	1052852159							0.000%				Appraisal							0.000%			Desk Review			Low																																																								No
223343266	241124885	241124885							0.000%				Appraisal							0.000%			Desk Review			High																																																								N/A
223378511	250327395	250327395							0.000%				Appraisal																																																																					N/A		2.10
223378514	250226786	250226786							0.000%				Appraisal																																																																					N/A		1.00
223378515	250226883	250226883							0.000%				Appraisal																																																																					N/A		1.00
223378517	250226932	250226932							0.000%				Appraisal							0.000%			Desk Review			Moderate																																																								N/A
223378519	250126671	250126671							12.492%				Appraisal							12.492%			Desk Review			Moderate																																																								N/A
223378520	250226871	250226871							0.000%				Appraisal																																																																					N/A		1.70
223378521	250226990	250226990							0.000%				Appraisal																																																																					N/A		1.90
223378523	250126513	250126513							0.000%				Appraisal																																																																					N/A		1.80
223378524	250226896	250226896							0.000%				Appraisal																																																																					N/A		1.00
223378527	250227237	250227237							0.000%				Appraisal							0.000%			Desk Review			Low																																																								N/A
223378534	250227241	250227241							0.000%				Appraisal																																																																					N/A		1.00
223378535	1052924793	1052924793							0.000%				Appraisal																																																																					Yes	1.00	1.30
223378540	1052921038	1052921038							0.000%				Appraisal																																																																					Yes	1.50	1.00
223378542	1052926417	1052926417							0.000%				Appraisal							0.000%			Desk Review			Moderate																																																								No	4.00
223378552	250227057	250227057							0.000%				Appraisal							6.642%			AVM		0.19																																																		6.643%							N/A		2.20
223378554	250226772	250226772							0.000%				Appraisal																																																																					N/A		2.20
223378560	250226964	250226964							0.000%				Appraisal																																																																					N/A		1.00
223378561	250227105	250227105							0.000%				Appraisal																																																																					N/A		1.00
223378563	1052924420	1052924420							0.000%				Appraisal							0.000%			Desk Review			Low																																																								No
223378564	250227001	250227001							0.000%				Appraisal																																																																					N/A		1.80
223378568	1052924681	1052924681							0.000%				Appraisal							0.000%			Desk Review			Low																																																								N/A
223378577	250126651	250126651							0.000%				Appraisal							0.000%			Desk Review			Moderate																																																								N/A
223378581	250227024	250227024							0.000%				Appraisal							0.000%			Desk Review			Low																																																								N/A
223378582	250226763	250226763							0.000%				Appraisal							0.000%			Desk Review			Moderate																																																								N/A
223378586	250126563	250126563							0.000%				Appraisal							0.000%			Desk Review			Low																																																								N/A
223502265	250226759	250226759							0.000%				Appraisal																																																																					N/A		1.50
223502266	250126273	250126273							0.000%				Appraisal							0.000%			Desk Review			Moderate																																																								N/A
223502268	1052927568	1052927568							0.000%				Appraisal							0.000%			Desk Review			Moderate																																																								No
223502475	250327340	250327340							0.000%				Appraisal							0.000%			Appraisal																																																											N/A
223637113	250227219	250227219							0.000%				Appraisal																																																																					N/A		2.50
223637114	1052926459	1052926459							0.000%				Appraisal							0.000%			Desk Review			Moderate																																																								N/A		3.10
223637134	1052927562	1052927562							0.000%				Appraisal																																																																					Yes	1.00	1.00
223637135	1052927003	1052927003							0.000%				Appraisal							-10.076%			Desk Review			High																											0.000%																													No		2.60
223637138	250226721	250226721							0.000%				Appraisal																																																																					N/A		1.00
223637139	250226946	250226946							0.000%				Appraisal							1.429%			Appraisal																																																											N/A
223637141	1052924525	1052924525							0.000%				Appraisal							0.000%			Desk Review			Low																																																								No

Supplemental Data

Run Date - 7/23/2025 2:37:53 PM

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	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
221899355	4000036898	4000036898		N/A				No	No					$7,831.47	$7,831.47	7.875%	No	No					0			US Citizen	US Citizen							1	$19,944.00	$6,176.88	$1,662.00	$514.74						0.000%	0.000%	0.000%	05/21/2024	793																						Level 1-Not Stated/Not Verified						No	No										DSCR																0	0	0	Yes		Easy Street Capital				$0.00					N/A	No	7.875%	0	0	0	0	0	0			0.00	No	0.57	1.75								07/01/2054	$25,000.00	2.000%	No						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									16.47			Yes		$0.00	$0.00	0	0	0	0	0	0	0	0	0	0	0	0	No	No	No	No
222663199	1052840103	1052840103		Non QM				Yes	No	$13,409.00	$17,355.69		9.038%	$7,797.32	$7,797.32	8.875%	No	No	Self-Employed						US Citizen								$12,448.18	1	$14,088.96	$1,001.04	$1,174.08	$83.42						46.803%	46.803%	46.803%	08/06/2024	673																												No	No						Third Party Prepared	[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]; Telephone Listing / Internet Search / Directory Assistance - 2024 [Borrower - \| Primary Income - P&L Statement Only]; Third Party Verification - 2024 [Borrower - \| Primary Income - P&L Statement Only]; Third Party Verification - 2024 [Borrower - \| Primary Income - P&L Statement Only]; Third Party Verification - 2015		Alternative Documentation (A)	12mo CPA P&L																0	0	0	No		MaxEx	$13,409.00		6.430%	$0.00	2.0	None			N/A	No	8.875%	0		0	0	0	0			12.00	No										10/01/2054			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	8.73			No		$0.00	$0.00													No	No	No	No
222696847	241024611	241024611		Non QM				Yes	No	$31,859.00	$42,183.79		8.077%	$13,457.29	$13,457.29	7.875%	No	No	Employed						US Citizen								$48,481.25	1	$29,000.04	$5,802.96	$2,416.67	$483.58						34.703%	34.703%	34.703%	10/08/2024	662																												No	No							[Borrower - \| Primary Income - Wages]; Employer Letter - 2024 [Borrower - \| Primary Income - Wages]; Paystubs - 2024 [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2024 [Borrower - \| Primary Income - Wages]; VVOE - 2024 [Borrower - \| Primary Income - Wages]; W-2 - 2023 [Borrower - \| Primary Income - Wages]; W-2 - 2022	[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			ClearEdge Lending	$31,859.00		6.400%	$2,500.00	1.0	DU		ApproveIneligible	Yes	No	7.875%	2		0	0	2	0			0.00	No										12/01/2054	$907,469.75	39.000%	No					Yes	Preliminary	Fee Simple	Individual	Individual													No	Individual	No		No	Fair Isaac (VER. 2)	Beacon 5.0	FICO Risk Score Classic 04															22.31		No	No		$0.00	$0.00													No	No	No	No
222752517	1052853484	1052853484		Non QM				Yes	No	$12,911.40	$3,517.27		7.399%	$7,677.82	$7,677.82	7.375%	No	No	Employed	Employed					Non-Permanent Resident Alien	Non-Permanent Resident Alien			India	India			$13,516.05	1	$17,369.40	$2,685.00	$1,447.45	$223.75						47.263%	47.263%	47.263%	10/18/2024	756																												No	No							[Borrower - \| Primary Income - Wages]; Paystubs - 2024 [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2024 [Borrower - \| Primary Income - Wages]; VVOE - 2024 [Borrower - \| Primary Income - Wages]; WVOE - 2024 [Borrower - \| Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2024 [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2024 [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2024 [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023	[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	Full Documentation (F)	2yr Full Doc																0	0	0			ClearEdge Lending	$12,911.40		6.830%	$45,000.00	2.8	None			No	No	7.375%	1	1	0	0	2	0			0.00	No										12/01/2054	$206,369.11	15.000%	No	14	12			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							Passport, VISA	Passport, VISA				8.95			No		$0.00	$10,029.07													No	No	No	No
222752526	241124955	241124955		Non QM				Yes	No	$14,510.63	$19,997.35		8.918%	$4,689.29	$4,689.29	8.625%	No	No	Self-Employed						US Citizen								$16,610.37	1	$10,048.56	$2,460.00	$837.38	$205.00						32.582%	32.582%	32.582%	11/04/2024	760																												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 - 2024 [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 - 2024 [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 - \| 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 - \| 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 - \| 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 - 2024 [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 - 2024	[Borrower]; 1084 or income worksheet - Year Not Available	Alternative Documentation (A)	12mo Bank Statement																0	0	0			ClearEdge Lending	$14,510.63		6.730%	$30,000.00	2.5	None			N/A	No	8.625%	0		0	0	0	0		12	0.00	No										01/01/2055	$67,198.70	10.000%	No					Yes	Commitment	Fee Simple	Individual	Individual													No	Individual	No		No	Fair Isaac (VER. 2)	FICO Classic V5 Facta	FICO Risk Score Classic 04															7.21			No		$0.00	$0.00													No	No	No	No
222752528	241024714	241024714		Non QM				Yes	No	$15,489.20	$21,864.31		7.878%	$5,110.27	$5,110.27	7.625%	No	No	Self-Employed						US Citizen								$10,997.12	1	$7,287.12	$1,296.00	$607.26	$108.00						36.931%	36.931%	36.931%	10/16/2024	753																												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 - 2024 [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 - \| 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 - \| 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 - 2024 [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 - 2022	[Borrower]; 1084 or income worksheet - Year Not Available	Alternative Documentation (A)	12mo Bank Statement																0	0	0			ClearEdge Lending	$15,489.20		6.590%	$21,250.00		None			N/A	No	7.625%	0		0	0	0	0		12	0.00	No										01/01/2055	$14,539.00	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															6.09			No		$0.00	$0.00													No	No	No	No
222752572	1052839825	1052839825		N/A				No	No					$1,125.74	$1,125.74	7.500%	No	No							Non-Permanent Resident Alien									1	$3,161.64	$458.04	$263.47	$38.17						0.000%	0.000%	0.000%	10/14/2024	801																												No	No										DSCR																0	0	0	Yes		ClearEdge Lending				$0.00	1.0				No	No	7.500%	0		0	0	0	0			0.00	No	1	0.99								12/01/2054	$187,036.42	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															55.7					$0.00	$0.00													No	No	No	No
222752577	1052849937	1052849937		N/A				No	No					$1,200.67	$1,200.67	9.750%	No	No							US Citizen									1	$3,730.80	$1,023.00	$310.90	$85.25						0.000%	0.000%	0.000%	10/17/2024	652																												No	No										DSCR																0	0	0	No		ClearEdge Lending				$0.00	1.0				N/A	No	9.750%	0		0	0	0	0			0.00	No	1.21	0.82								12/01/2054			No					Yes	Commitment	Leasehold	Individual	Individual													No	Individual	No	Yes	No	Fair Isaac (VER. 2)	FICO Classic V5 Facta	FICO Risk Score Classic 04														No	30.22					$0.00	$0.00	0	0	0	0	0	0	0	0	0				No	No	No	No
222895378	12024090304	12024090304		N/A				No	No					$2,093.64	$2,093.64	7.875%	No	No					0			US Citizen	US Citizen							1	$9,282.24	$2,877.12	$773.52	$239.76						0.000%	0.000%	0.000%	09/10/2024	729																						Level 3-Stated/Partially Verified						No	No										DSCR																0	0	0	Yes		Champions Funding				$0.00					N/A	No	7.875%	0	0	0	0	0	0			0.00	No	0.77	1.29								11/01/2054	$97,556.81	25.000%	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												30.8					$0.00	$0.00	0	0	0										No	No	No	No
222895408	12024050506	12024050506		Exempt from ATR		Yes		Yes	No	$5,175.00	$7,455.00		10.868%	$1,792.89	$1,792.89	10.500%	No	No	Self-Employed						US Citizen								$3,031.36	1	$3,060.00	$1,098.96	$255.00	$91.58						42.236%	42.236%	42.236%	05/17/2024	692																												No	No						Borrower Prepared	[Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2024 [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2024 [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023	[Borrower]; 4506-C - 2023 [Borrower]; 1040 - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2021	Alternative Documentation (A)	1yr P&L w/o Bank Statements																0	0	0			Champions Funding	$5,175.00		6.860%	$5,000.00		None			No	No	10.500%	0		1	0	3	0			5.00	No										08/01/2054	$48,637.81	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															6			No		$0.00	$0.00													Yes	No	No	No
222933858	1052839661	1052839661		N/A				No	No	$17,210.00	$24,405.73		7.669%	$7,775.27	$7,775.27	7.500%	No	No	Not Employed	Self-Employed						US Citizen							$311,468.12	1	$21,245.76	$11,324.88	$1,770.48	$943.74						7.409%	7.409%	7.409%	10/02/2024	742																												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: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Coborrower(s) - \| 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 - 2024 [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024 [Coborrower(s) - \| 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 - 2024 [Coborrower(s) - \| 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 - 2024 [Coborrower(s) - \| 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 - 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			ClearEdge Lending	$17,210.00		6.400%	$0.00		None			Yes	No	7.500%	0	0	0	0	2	0		12	0.00	No										12/01/2054	$808,277.65	58.000%	No					Yes	Commitment	Fee Simple	LLC	Business Entity	Individual	Individual											Yes	Business Entity	No		No				Fair Isaac (VER. 2)	FICO Classic V5 Facta	FICO Risk Score Classic 04												44.58		No	No		$336,390.00	$0.00													No	No	No	No
222933869	241125428	241125428		N/A				No	No					$819.83	$819.83	9.500%	No	No							US Citizen									1	$975.96	$1,695.96	$81.33	$141.33						0.000%	0.000%	0.000%	11/13/2024	707																												No	No										DSCR																0	0	0	No		ClearEdge Lending				$0.00	2.5				N/A	No	9.500%	0		0	0	0	0			0.00	No	1.2	0.83								01/01/2055	$6,918.76	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															84.4					$0.00	$0.00	0	0	0	0	0	0	0	0	0	0	0	0	No	No	No	No
222933872	241125273	241125273		N/A				No	No					$875.01	$875.01	8.625%	No	No							US Citizen									1	$3,218.40	$2,043.00	$268.20	$170.25						0.000%	0.000%	0.000%	11/13/2024	707																												No	No										DSCR																0	0	0	Yes		ClearEdge Lending				$0.00					N/A	No	8.625%	0		0	0	0	0			0.00	No	1.1	0.91								01/01/2055	$6,918.76	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															66.99					$0.00	$0.00	0	0	0	0	0	0	0	0	0	0	0	0	No	No	No	No
222933876	241225866	241225866		N/A				No	No					$4,826.46	$4,826.46	8.375%	No	No							US Citizen									3	$1,741.08	$1,773.96	$145.09	$147.83						0.000%	0.000%	0.000%	09/06/2024	622																												No	No										DSCR																0	0	0	No		ClearEdge Lending				$0.00					N/A	No	8.375%	0		0	0	0	0			0.00	No	1.01	0.99								02/01/2055			No					Yes	Preliminary	Fee Simple	Individual	Individual													No	Individual	No		No	Fair Isaac (VER. 2)		FICO Risk Score Classic 04														No	20.35					$0.00	$0.00													No	No	No	No
222933891	1052839475	1052839475		Non QM				Yes	No	$22,270.77	$27,231.17		8.199%	$4,352.20	$4,352.20	7.750%	No	No	Self-Employed						US Citizen								$12,817.00	1	$6,905.52	$3,744.24	$575.46	$312.02						38.182%	38.182%	38.182%	09/23/2024	673																												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 - 2024 [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 - 2024 [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 - \| 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 - \| 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 - \| 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 - 2024	[Borrower]; 1084 or income worksheet - Year Not Available	Alternative Documentation (A)	12mo Bank Statement																0	0	0			ClearEdge Lending	$22,270.77		6.400%	$0.00	1.0	None			No	No	7.750%	0		0	0	0	0		12	0.00	No										01/01/2055			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	6.08			No		$0.00	$0.00													No	No	No	No
222933906	1052849970	1052849970		N/A				No	No	$93,829.40	$8,656.25		8.520%	$12,138.00	$13,176.10	8.500%	No	No	Self-Employed						US Citizen								$23,193.23	3	$5,434.80	$12,478.80	$452.90	$1,039.90						44.361%	41.871%	48.427%	11/14/2024	757																												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 - 2024 [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 - 2024 [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2024 [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 - 2024	[Borrower]; 1084 or income worksheet - Year Not Available	Alternative Documentation (A)	12mo Bank Statement																0	0	0			ClearEdge Lending	$93,829.40		6.730%	$7,728.00		None			No	No	8.500%	0		0	0	0	0		12	0.00	No									240	12/01/2054	$192,737.79	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															187.18		No	No		$0.00	$0.00													No	No	No	No
222933907	1052849931	1052849931		Non QM				Yes	No	$2,170.00	$4,449.40		8.402%	$9,120.87	$9,120.87	8.375%	No	No	Self-Employed						US Citizen								$18,842.36	1	$12,790.20	$3,836.04	$1,065.85	$319.67						47.507%	47.507%	47.507%	11/07/2024	714																												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 - 2024 [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 - 2024 [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 - 2024 [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 - 2024 [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 - 2024 [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 - 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			ClearEdge Lending	$2,170.00		6.730%	$0.00	4.1	DU		ApproveIneligible	No	No	8.375%	0		0	0	2	0		12	0.00	No										12/01/2054			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	23.11			No		$0.00	$0.00													No	No	No	No
222979894	241024707	241024707		N/A				No	No					$4,180.76	$4,180.76	7.625%	No	No							US Citizen									1	$5,736.72	$2,031.00	$478.06	$169.25						0.000%	0.000%	0.000%	10/24/2024	698																												No	No										DSCR																0	0	0	No		ClearEdge Lending				$0.00					N/A	No	7.625%	0		0	0	0	0			0.00	No	0.83	1.21							240	01/01/2055	$10,645.02		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	4.22					$0.00	$0.00	0	0	0	0	0	0	0	0	0	0	0	0	No	No	No	No
222979895	241225660	241225660		N/A				No	No					$1,185.71	$1,185.71	8.375%	No	No								US Citizen								2	$2,792.16	$1,026.96	$232.68	$85.58						0.000%	0.000%	0.000%	11/20/2024	718																												No	No										DSCR																0	0	0	Yes		ClearEdge Lending				$0.00					N/A	No	8.375%	0	0	0	0	0	0			0.00	No	1.98	0.5								02/01/2055			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	10.95					$0.00	$0.00	0	0	0	0	0	0	0	0	0				No	No	No	No
222979917	240923873	240923873		Non QM				Yes	No	$34,619.00	$44,316.19		6.730%	$18,174.58	$24,787.13	6.625%	No	No	Self-Employed						US Citizen								$566,906.82	1	$73,389.36	$14,247.96	$6,115.78	$1,187.33						10.235%	9.188%	10.235%	09/12/2024	723																												No	Yes	72	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 - 2024 [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2024 [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2024 [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 - 2024 [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 1999 [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 1999 [Borrower - \| Non-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 - 2024 [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2024 [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2024 [Borrower - \| Non-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 - 2024 [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 1999 [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 1999 [Borrower - \| Non-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 - 2024 [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2024 [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2024 [Borrower - \| Non-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 - 2024 [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 1999 [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 1999	[Borrower]; 1084 or income worksheet - Year Not Available	Alternative Documentation (A)	24mo Bank Statement																0	0	0			ClearEdge Lending	$34,619.00		6.040%	$0.00	1.0	None			N/A	No	6.625%	0		0	0	0	0		24	0.00	No									240	11/01/2054	$171,229.52		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	18.04			No		$0.00	$0.00													No	No	No	No
223022921	4000048947	4000048947		N/A				No	No					$3,615.66	$3,615.66	8.375%	No	No								US Citizen								2	$2,655.84	$1,447.32	$221.32	$120.61						0.000%	0.000%	0.000%	08/20/2024	745																												No	No										DSCR																0	0	0	No		United Mortgage				$0.00					N/A	No	8.375%	0	0	0	0	0	0			0.00	No	0.86	1.16								10/01/2054			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	26.56			No		$0.00	$0.00	0	0	0	0	0	0	0	0	0	0	0	0	No	No	No	No
223022923	4000048706	4000048706		N/A				No	No					$754.15	$754.15	6.875%	No	No								US Citizen								1	$1,850.28	$906.96	$154.19	$75.58						0.000%	0.000%	0.000%	08/12/2024	718																												No	No										DSCR																0	0	0	No		United Mortgage				$0.00	2.5				No	No	6.875%	0	0	0	0	0	0			0.00	No	1.78	0.56								11/01/2054			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											No	103.6			No		$0.00	$0.00													No	No	No	No
223022940	4000050332	4000050332		N/A				No	No					$5,438.02	$5,438.02	7.875%	No	No							US Citizen									1	$12,500.04	$2,796.00	$1,041.67	$233.00						0.000%	0.000%	0.000%	08/05/2024	764																												No	No										DSCR																0	0	0	No		United Mortgage				$0.00	2.1				No	No	7.875%	0		0	0	0	0			0.00	No	0.52	1.92								11/01/2054	$10,000.00	1.000%	No					Yes	Preliminary	Fee Simple	Individual	Individual													No	Individual	No		No	Fair Isaac (VER. 2)	FICO Classic V5 Facta	FICO Risk Score Classic 04															11.46			No		$0.00	$0.00	0	0	0	0	0	0	0	0	0	0	0	0	No	No	No	No
223022949	4000046480	4000046480		N/A				No	No					$702.08	$702.08	7.750%	No	No							US Citizen									1	$1,238.16	$2,275.20	$103.18	$189.60						0.000%	0.000%	0.000%	08/06/2024	729																												No	No										DSCR																0	0	0	No		United Mortgage				$0.00	4.1				No	No	7.750%	0		0	0	0	0			0.00	No	1.11	0.9								11/01/2054	$4,430.30		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	4.45			No		$0.00	$0.00	0	0	0	0	0	0	0	0	0	0	0	0	No	No	No	No
223022956	4000048048	4000048048		N/A				No	No					$2,422.73	$2,422.73	8.375%	No	No					0			US Citizen	US Citizen							1	$6,337.20	$5,643.96	$528.10	$470.33						0.000%	0.000%	0.000%	09/11/2024	592																						Level 2-Stated/Not Verified						No	No										DSCR																0	0	0	No		Onslow Bay				$0.00	1.0				No	No	8.375%	0	0	0	0	0	0			0.00	No	0.94	1.07								11/01/2054			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	23.29			No		$0.00	$0.00	0	0	0	0	0	0	0	0	0	0	0	0	No	No	No	No
223022965	4000052244	4000052244		N/A				No	No					$2,389.03	$2,389.03	8.250%	No	No							US Citizen									1	$3,152.76	$842.04	$262.73	$70.17						0.000%	0.000%	0.000%	09/05/2024	735																												No	No										DSCR																0	0	0	No		United Mortgage				$0.00	1.0				No	No	8.250%	0		0	0	0	0			0.00	No	0.92	1.09								11/01/2054	$6,185.28		No					Yes	Final	Fee Simple	Individual	Individual													No	Individual	No		No	Fair Isaac (VER. 2)	Beacon 5.0	FICO Risk Score Classic 04														No	6.58			No		$0.00	$0.00	0	0	0	0	0	0	0	0	0	0	0	0	No	No	No	No
223022981	4000052419	4000052419		N/A				No	No					$641.68	$641.68	8.625%	No	No							US Citizen									2	$1,353.12	$1,823.04	$112.76	$151.92						0.000%	0.000%	0.000%	09/27/2024	727																												No	No										DSCR																0	0	0	No		United Mortgage				$0.00					N/A	No	8.625%	0		0	0	0	0			0.00	No	1.54	0.65								12/01/2054			No					Yes	Commitment	Fee Simple	Individual	Individual													No	Individual	No		No	Fair Isaac (VER. 2)	FICO Classic V5 Facta	FICO Risk Score Classic 04															184.18			No		$0.00	$0.00	0	0	0	0	0	0	0	0	0	0	0	0	No	No	No	No
223022993	4000050477	4000050477		N/A				No	No					$5,463.28	$5,463.28	7.875%	No	No								US Citizen								1	$1,529.40	$1,134.00	$127.45	$94.50						0.000%	0.000%	0.000%	08/29/2024	761																												No	No										DSCR																0	0	0	Yes		Churchill				$0.00					N/A	No	7.875%	0	0	0	0	0	0			0.00	No	1.14	0.87							240	12/01/2054	$348,702.79	32.000%	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												9.8			Yes		$0.00	$0.00	0	0	0	0	0	0	0	0	0	0	0	0	No	No	No	No
223022999	4000055012	4000055012		N/A				No	No					$3,190.31	$3,190.31	7.875%	No	No								US Citizen								1	$8,282.88	$1,358.04	$690.24	$113.17						0.000%	0.000%	0.000%	11/12/2024	767																												No	No										DSCR																0	0	0	Yes		United Mortgage				$0.00	2.0				N/A	No	7.875%	0	0	0	0	0	0			0.00	No	1.05	0.95								12/01/2054	$204,972.16	37.000%	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												36.22			No		$0.00	$0.00	0	0	0	0	0	0	0	0	0	0	0	0	No	No	No	No
223023004	4000054713	4000054713		N/A				No	No					$3,070.80	$3,070.80	8.250%	No	No								US Citizen								1	$8,816.28	$2,039.04	$734.69	$169.92						0.000%	0.000%	0.000%	11/06/2024	755																												No	No										DSCR																0	0	0	No		Onslow Bay				$0.00	1.7				No	No	8.250%	0	0	0	0	0	0			0.00	No	0.67	1.49								12/01/2054	$111,996.28		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	15.32			No		$0.00	$0.00	0	0	0	0	0	0	0	0	0	0	0	0	No	No	No	No
223023390	4000044738	4000044738		Non QM				Yes	No	$20,191.50	$10,725.92		7.960%	$3,223.86	$3,223.86	7.750%	No	No	Self-Employed						US Citizen								$6,571.73	1	$6,583.56	$1,537.20	$548.63	$128.10						43.828%	43.828%	43.828%	05/29/2024	797																												No	No						Borrower Prepared	[Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2024 [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2024 [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 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%)]; Business Account Transcripts - 2023 [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Borrower - \| 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	Alternative Documentation (A)	12mo Bank Statement																0	0	0			Loan Depot	$20,191.50		6.690%	$22,155.00	1.0	None			N/A	No	7.750%	1		1	0	2	2			7.07	No										10/01/2054	$106,026.81	21.000%	No					Yes	Commitment	Fee Simple	Individual	Individual													No	Individual	No		No	FICO II	Beacon 5.0	FICO Risk Score Classic 04															20.06		Yes	No		$0.00	$0.00													No	No	No	No
223038896	241024381	241024381		N/A				No	No					$1,769.27	$1,769.27	7.125%	No	No							US Citizen									1	$4,264.80	$1,585.80	$355.40	$132.15						0.000%	0.000%	0.000%	09/26/2024	799																												No	No										DSCR																0	0	0	No		ClearEdge Lending				$0.00	1.2				N/A	No	7.125%	0		0	0	0	0			0.00	No	1.22	0.82								12/01/2054	$126,211.49	38.000%	No					Yes	Commitment	Fee Simple	Individual	Individual													No	Individual	No		No	Fair Isaac (VER. 2)	FICO Classic V5 Facta	FICO Risk Score Classic 04															12.8					$0.00	$0.00	0	0	0	0	0	0	0	0	0	0	0	0	No	No	No	No
223089460	1052883614	1052883614		N/A				No	No					$863.81	$863.81	9.250%	No	No								US Citizen								2	$1,354.08	$2,267.04	$112.84	$188.92						0.000%	0.000%	0.000%	12/09/2024	690																												No	No										DSCR														2		0	0	0	Yes		ClearEdge Lending				$0.00					N/A	No	9.250%	0	0	0	0	0	0			0.00	No	1.54	0.64								02/01/2055			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	79.14					$0.00	$0.00													No	No	No	No
223089461	1052868898	1052868898		N/A				No	No					$2,070.47	$2,070.47	7.875%	No	No								US Citizen								1	$7,315.08	$2,042.16	$609.59	$170.18						0.000%	0.000%	0.000%	11/08/2024	670																												No	No										DSCR																0	0	0	No		ClearEdge Lending				$0.00	1.7				N/A	No	7.875%	0	0	0	0	0	0			0.00	No	1.01	0.98							240	02/01/2055			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	96.39					$0.00	$0.00													No	No	No	No
223089462	1052883904	1052883904		N/A				No	No					$855.08	$855.08	8.375%	No	No								US Citizen								2	$3,142.08	$899.04	$261.84	$74.92						0.000%	0.000%	0.000%	12/11/2024	733																												No	No										DSCR																0	0	0	Yes		ClearEdge Lending				$0.00					N/A	No	8.375%	0	0	0	0	0	0			0.00	No	1.34	0.74								03/01/2055	$16,670.81	11.000%	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												17.05					$0.00	$0.00	0	0	0	0	0	0	0	0	0	0	0	0	No	No	No	No
223089476	1052872241	1052872241		N/A				No	No	$121,175.00	$50,203.83		9.100%	$17,663.32	$17,663.32	8.875%	No	No	Not Employed	Self-Employed						US Citizen							$49,039.90	3	$11,398.80	$4,478.04	$949.90	$373.17						35.761%	35.761%	35.761%	12/26/2024	757																												No	Yes	12	Business	100.000%		90.000%		[Coborrower(s) - \| 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 - 2024 [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| 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: 90.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024 [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024 [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024 [Coborrower(s) - \| 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 - 2024 [Coborrower(s) - \| 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 - 2024 [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022		Alternative Documentation (A)	12mo Bank Statement																0	0	0			ClearEdge Lending	$121,175.00		6.630%	$55,000.00		None			No	No	8.875%	0	0	0	0	0	0		12	0.00	No										02/01/2055	$490,000.00	18.000%	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												11.68		No	No		$76,339.55	$0.00													No	No	No	No
223195218	241125016	241125016		N/A				No	No					$3,328.26	$3,328.26	7.500%	No	No							US Citizen	US Citizen								1	$1,673.40	$2,949.48	$139.45	$245.79						0.000%	0.000%	0.000%	11/07/2024	783																												No	No										DSCR																0	0	0	Yes		ClearEdge Lending				$0.00					N/A	No	7.500%	0	0	0	0	0	0			0.00	No	1.21	0.83								12/01/2054	$946,335.67	99.000%	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												123.97					$0.00	$0.00	0	0	0	0	0	0	0	0	0	0	0	0	No	No	No	No
223195225	1052840421	1052840421		Non QM				Yes	No	$2,170.00	$2,618.52		9.326%	$3,343.35	$3,343.35	9.250%	No	No	Self-Employed	Not Employed					US Citizen	US Citizen							$26,354.10	1	$2,121.24	$3,023.04	$176.77	$251.92						24.939%	24.939%	24.939%	11/01/2024	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 - 2024 [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 - \| 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 - \| 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 - 2024 [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 - 2024	[Borrower]; 1084 or income worksheet - Year Not Available	Alternative Documentation (A)	12mo Bank Statement																0	0	0			ClearEdge Lending	$2,170.00		6.590%	$0.00	1.1	None			No	No	9.250%	0	0	0	0	0	0		12	0.00	No										12/01/2054	$5,905.57	1.000%	Yes					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												101.81	Retail	Yes	No		$0.00	$0.00													No	No	No	No
223212400	12024090765	12024090765		N/A				No	No					$3,330.01	$3,330.01	7.500%	No	No							US Citizen									1	$7,773.96	$2,614.20	$647.83	$217.85						0.000%	0.000%	0.000%	10/18/2024	781																												No	No										DSCR																0	0	0	No		Champions Funding				$0.00					No	No	7.500%	0		0	0	0	0			0.00	No	0.83	1.2								11/01/2054	$228,065.70	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															10.74					$0.00	$0.00	0	0	0	0	0	0							No	No	No	No
223212416	12024100501	12024100501		N/A				No	No					$3,174.71	$3,174.71	9.625%	No	No							US Citizen	US Citizen								1	$10,865.88	$894.00	$905.49	$74.50						0.000%	0.000%	0.000%	10/14/2024	805																												No	No										DSCR																0	0	0	No		Champions Funding				$0.00					N/A	No	9.625%	0	0	0	0	0	0			0.00	No	0.5	1.99								01/01/2055	$254,003.27	44.000%	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												6.86					$0.00	$0.00	0	0	0	0	0	0	0	0	0	0	0	0	No	No	No	No
223212422	12024110180	12024110180		N/A				No	No					$1,645.62	$1,645.62	7.625%	No	No							US Citizen									1	$3,638.04	$471.96	$303.17	$39.33						0.000%	0.000%	0.000%	11/04/2024	732																												No	No										DSCR																0	0	0	No		Champions Funding				$0.00					N/A	No	7.625%	0		0	0	0	0			0.00	No	0.96	1.05								01/01/2055	$49,350.93	16.000%	No					Yes	Commitment	Fee Simple	Individual	Individual													No	Individual	No		No	Fair Isaac (VER. 2)	FICO Classic V5 Facta	FICO Risk Score Classic 04															42.41					$0.00	$0.00	0	0	0	0	0	0	0	0	0	0	0	0	No	No	No	No
223212436	12024090463	12024090463		Exempt from ATR	Non QM	Yes		Yes	No	$19,065.63	$19,503.09		9.679%	$4,871.14	$4,871.14	9.375%	No	No	Self-Employed						Non-Permanent Resident Alien								$7,451.27	1	$2,122.56	$1,877.04	$176.88	$156.42						41.239%	41.239%	41.239%	09/23/2024	754																												No	Yes	12	Business	100.000%	80.000%			[Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 80.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 80.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2024 [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 80.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024 [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 80.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 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			Champions Funding	$19,065.63		6.150%	$4,000.00		None			N/A	No	9.375%	0		0	0	3	0		12	0.00	No										11/01/2054	$72,394.23	11.000%	No					Yes	Commitment	Fee Simple	Individual	Individual													No	Individual	No		No		FICO Classic V5 Facta	FICO Risk Score Classic 04															7.56			No		$0.00	$0.00													Yes	No	No	No
223283420	250126497	250126497		N/A				No	No					$2,821.88	$2,821.88	7.500%	No	No							US Citizen									1	$3,694.08	$1,950.36	$307.84	$162.53						0.000%	0.000%	0.000%	10/21/2024	703																												No	No										DSCR																0	0	0	No		ClearEdge Lending				$0.00	1.0				N/A	No	7.500%	0		0	0	0	0			0.00	No	1.01	0.99							240	03/01/2055	$46,211.81		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	0.64					$0.00	$0.00	0	0	0										No	No	No	No
223283433	1052924524	1052924524		N/A				No	No					$4,666.74	$4,666.74	8.625%	No	No								US Citizen								4	$8,077.56	$5,601.00	$673.13	$466.75						0.000%	0.000%	0.000%	01/15/2025	683																												No	No										DSCR														2		0	0	0	Yes		ClearEdge Lending				$0.00					N/A	No	8.625%	0	0	0	0	0	0			0.00	No	1.34	0.74								04/01/2055	$831,225.02	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												103.08					$0.00	$0.00													No	No	No	No
223283436	1052883490	1052883490		Non QM				Yes	No	$10,216.40	$12,573.75		10.559%	$3,835.31	$3,835.31	10.250%	No	No	Employed						US Citizen								$15,392.93	1	$6,015.48	$706.56	$501.29	$58.88						48.690%	48.690%	48.690%	11/13/2024	643																												No	No							[Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - \| Primary Income - Wages]; Paystubs - 2024 [Borrower - \| Primary Income - Wages]; Paystubs - 2024 [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2024 [Borrower - \| Primary Income - Wages]; W-2 - 2023 [Borrower - \| Primary Income - Wages]; W-2 - 2022	[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available	Full Documentation (F)	2yr Full Doc				1												0	0	0			ClearEdge Lending	$10,216.40		6.890%	$2,000.00	3.0	None			Yes	No	10.250%	2		0	0	2	0			0.00	No										03/01/2055	$162,922.68	30.000%	No	32				Yes	Commitment	Fee Simple	Individual	Individual													No	Individual	No		No	Fair Isaac (VER. 2)	FICO Classic V5 Facta	FICO Risk Score Classic 04															6.46		No	No		$0.00	$0.00													No	No	No	No
223283450	250126457	250126457		N/A				No	No	$102,636.24	$25,255.18		7.720%	$10,115.83	$12,947.00	7.625%	No	No	Self-Employed						US Citizen								$134,400.68	1	$86,569.56	$16,722.96	$7,214.13	$1,393.58						45.568%	44.421%	45.568%	01/16/2025	760																												No	Yes	48	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]; Other - 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 - \| Non-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 - \| Non-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 - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; 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: 24]; Third Party Verification - 2025	[Borrower]; 1084 or income worksheet - Year Not Available	Alternative Documentation (A)	24mo Bank Statement																0	0	0			ClearEdge Lending	$102,636.24		6.930%	$0.00		None			N/A	No	7.625%	0		0	0	0	0		24	0.00	No									240	04/01/2055			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	28			No		$0.00	$0.00													No	No	No	No
223283456	250126220	250126220		N/A				No	No	$23,446.50	$11,215.86		8.025%	$10,246.05	$10,246.05	7.999%	No	No	Self-Employed						US Citizen								$23,958.83	4	$21,133.68	$2,745.12	$1,761.14	$228.76						47.327%	47.327%	47.327%	11/26/2024	733																												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: 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 - 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 - 2023	[Borrower]; 1084 or income worksheet - Year Not Available	Alternative Documentation (A)	24mo Bank Statement																0	0	0			ClearEdge Lending	$23,446.50		6.850%	$0.00		None			No	No	7.999%	0		0	0	0	0		24	0.00	No										04/01/2055	$1,134,000.39		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	95.96			No		$0.00	$0.00													No	No	No	No
223342357	1052840053	1052840053		N/A				No	No					$760.07	$760.07	8.375%	No	No								US Citizen								4	$1,381.92	$5,574.96	$115.16	$464.58						0.000%	0.000%	0.000%	08/13/2024	730																												No	No										DSCR																0	0	0	No		ClearEdge Lending				$0.00					No	No	8.375%	0	0	0	0	0	0			0.00	No	1.79	0.55								01/01/2055	$184,934.50	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												121.55					$0.00	$0.00	0	0	0	0	0	0	0	0	0				No	No	No	No
223343254	1052852159	1052852159		Non QM				Yes	No	$6,350.00	$20,688.86		8.826%	$11,907.29	$14,356.41	8.875%	No	No	Employed						Non-Permanent Resident Alien				Israel				$30,036.46	1	$0.00	$469.56	$0.00	$39.13						37.269%	37.758%	37.269%	11/04/2024	730																												No	No							[Borrower - \| Primary Income - Wages]; VVOE - 2024 [Borrower - \| Primary Income - Wages]; WVOE - 2024	[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022	Full Documentation (F)	WVOE																0	0	0			ClearEdge Lending	$6,350.00		7.190%	$95,273.53		None			No	No	8.875%	0		0	0	2	0			0.00	No									240	01/01/2055	$1,115,583.01	49.000%	No	34				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										VISA					32.37			No		$0.00	$0.00													No	No	No	No
223343266	241124885	241124885		Non QM				Yes	No	$25,302.40	$28,165.57		8.109%	$5,559.36	$5,559.36	7.750%	No	No	Self-Employed						Non-Permanent Resident Alien				Canada				$10,589.05	1	$11,350.44	$7,632.48	$945.87	$636.04						40.277%	40.277%	40.277%	10/28/2024	708																												No	Yes	12	Personal	100.000%	90.000%			[Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024 [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024 [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024 [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024 [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 20.00000% \| 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			ClearEdge Lending	$25,302.40		6.730%	$0.00		None			N/A	No	7.750%	0		0	0	0	0	12		0.00	No										01/01/2055	$95,080.97		No					Yes	Commitment	Fee Simple	Individual	Individual													No	Individual	No		No	Fair Isaac (VER. 2)	Beacon 5.0	FICO Risk Score Classic 04										Passport				No	15.27			No		$0.00	$0.00													No	No	No	No
223378511	250327395	250327395		N/A				No	No					$3,007.11	$3,007.11	8.125%	No	No					0	0	US Citizen		US Citizen	US Citizen						1	$6,765.48	$2,399.04	$563.79	$199.92						0.000%	0.000%	0.000%	12/13/2024	748																						Level 4-Stated/Verified as defined	Level 4-Stated/Verified as defined					No	No										DSCR																0	0	0	No		ClearEdge Lending				$0.00	2.1				N/A	No	8.125%	0	0	0	0	0	0			0.00	No	1.19	0.84								04/01/2055			No					Yes	Commitment	Fee Simple	Individual	Individual	LLC	Business Entity	Individual	Member	Individual	Member							No	Individual	No		No	Fair Isaac (VER. 2)	Beacon 5.0	FICO Risk Score Classic 04														No	15.77					$0.00	$0.00	0	0	0	0	0	0	0	0	0				No	No	No	No
223378514	250226786	250226786		N/A				No	No					$2,077.60	$2,077.60	7.750%	No	No								US Citizen								1	$2,471.40	$6,998.04	$205.95	$583.17						0.000%	0.000%	0.000%	01/27/2025	659																												No	No										DSCR																0	0	0	Yes		ClearEdge Lending				$0.00	1.0				N/A	No	7.750%	0	0	0	0	0	0			0.00	No	1.12	0.9								04/01/2055			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	0.46					$0.00	$0.00													No	No	No	No
223378515	250226883	250226883		N/A				No	No					$1,216.12	$1,216.12	8.375%	No	No								US Citizen								1	$2,527.56	$584.88	$210.63	$48.74						0.000%	0.000%	0.000%	01/30/2025	776																												No	No										DSCR																0	0	0	Yes		ClearEdge Lending				$0.00	1.0				N/A	No	8.375%	0	0	0	0	0	0			0.00	No	1	1								04/01/2055	$259,033.49	100.000%	No					Yes	Commitment	Fee Simple	LLC	Business Entity	Individual	Individual											Yes	Business Entity	No		No				Fair Isaac	Beacon 5.0	FICO Risk Score Classic 04												108.58					$0.00	$0.00	0	0	0	0	0	0	0	0	0				No	No	No	No
223378517	250226932	250226932		N/A				No	No					$1,126.55	$1,126.55	8.750%	No	No								US Citizen								3	$2,685.00	$3,685.68	$223.75	$307.14						0.000%	0.000%	0.000%	02/11/2025	735																												No	No										DSCR																1	0	0	No		ClearEdge Lending				$0.00					N/A	No	8.750%	0	0	0	0	0	0			0.00	No	1.81	0.55								04/01/2055			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												1.22					$0.00	$0.00	0	0	0	0	0	0	1	0	0	0	0	0	No	No	No	No
223378519	250126671	250126671		N/A				No	No					$1,540.29	$1,540.29	7.750%	No	No							US Citizen									1	$4,556.16	$2,311.68	$379.68	$192.64						0.000%	0.000%	0.000%	01/29/2025	734																												No	No										DSCR																0	0	0	Yes		ClearEdge Lending				$0.00					N/A	No	7.750%	0		0	0	0	0			0.00	No	1.02	0.98								04/01/2055			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	61.45					$0.00	$0.00													No	No	No	No
223378520	250226871	250226871		N/A				No	No					$1,355.15	$1,355.15	7.875%	No	No							US Citizen									1	$3,591.00	$1,350.00	$299.25	$112.50						0.000%	0.000%	0.000%	02/03/2025	764																												No	No										DSCR																0	0	0	No		ClearEdge Lending				$0.00	1.7				N/A	No	7.875%	0		0	0	0	0			0.00	No	1.06	0.94								04/01/2055	$516,383.93	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															242.9					$0.00	$0.00													No	No	No	No
223378521	250226990	250226990		N/A				No	No					$1,319.63	$1,319.63	7.875%	No	No							US Citizen									1	$3,352.32	$2,499.00	$279.36	$208.25						0.000%	0.000%	0.000%	02/01/2025	738																												No	No										DSCR																0	0	0	No		ClearEdge Lending				$0.00	1.9				N/A	No	7.875%	0		0	0	0	0			0.00	No	1.02	0.98								04/01/2055			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	73.46					$0.00	$0.00	0	0	0	0	0	0	0	0	0	0	0	0	No	No	No	No
223378523	250126513	250126513		N/A				No	No					$3,231.37	$3,231.37	7.375%	No	No								US Citizen								1	$10,025.28	$2,459.40	$835.44	$204.95						0.000%	0.000%	0.000%	03/06/2025	776																												No	No										DSCR																0	0	0	Yes		ClearEdge Lending				$0.00	1.8				N/A	No	7.375%	0	0	0	0	0	0			0.00	No	0.8	1.25								04/01/2055	$320,030.03	48.000%	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												28.22					$0.00	$0.00	0	0	0	0	0	0	0	0	0	0	0	0	No	No	No	No
223378524	250226896	250226896		N/A				No	No					$2,576.88	$2,576.88	7.750%	No	No							US Citizen									1	$4,292.16	$3,779.04	$357.68	$314.92						0.000%	0.000%	0.000%	02/12/2025	729																												No	No										DSCR																0	0	0	Yes		ClearEdge Lending				$0.00	1.0				N/A	No	7.750%	0		0	0	0	0			0.00	No	1	1							240	04/01/2055	$159,545.51	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															11.64					$0.00	$0.00													No	No	No	No
223378527	250227237	250227237		N/A				No	No					$1,301.21	$1,301.21	7.625%	No	No								US Citizen								1	$3,797.04	$1,697.04	$316.42	$141.42						0.000%	0.000%	0.000%	02/24/2025	775																												No	No										DSCR																0	0	0	Yes		ClearEdge Lending				$0.00					N/A	No	7.625%	0	0	0	0	0	0			0.00	No	1.65	0.61								04/01/2055	$18,223.16	8.000%	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												4.83					$0.00	$0.00	0	0	0	0	0	0	0	0	0	0	0	0	No	No	No	No
223378534	250227241	250227241		N/A				No	No					$1,575.00	$1,575.00	7.875%	No	No							US Citizen	US Citizen								1	$3,894.00	$1,526.04	$324.50	$127.17						0.000%	0.000%	0.000%	02/10/2025	766																												No	No										DSCR																0	0	0	No		ClearEdge Lending				$0.00	1.0				N/A	No	7.875%	0	0	0	0	0	0			0.00	No	1.06	0.94							240	04/01/2055	$108,768.57	36.000%	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												20.59					$0.00	$0.00													No	No	No	No
223378535	1052924793	1052924793		N/A				No	No					$2,111.22	$2,111.22	7.375%	No	No							US Citizen									1	$4,779.24	$1,989.00	$398.27	$165.75						0.000%	0.000%	0.000%	02/24/2025	662																												No	No										DSCR																0	0	0	No		ClearEdge Lending				$0.00	1.3				Yes	No	7.375%	0		0	0	0	0			0.00	No	1	0.99							240	04/01/2055	$133,598.02	31.000%	No					Yes	Commitment	Fee Simple	Individual	Individual													No	Individual	No		No	Fair Isaac (VER. 2)	Beacon 5.0	FICO Risk Score Classic 04															7.52					$0.00	$0.00	0	0	0	0	0	0	0	0	0	0	0	0	No	No	No	No
223378540	1052921038	1052921038		N/A				No	No					$3,768.02	$3,768.02	7.625%	No	No							US Citizen									1	$6,914.28	$1,921.56	$576.19	$160.13						0.000%	0.000%	0.000%	01/21/2025	669																												No	No										DSCR																0	0	0	No		ClearEdge Lending				$0.00	1.0				Yes	No	7.625%	0		0	0	0	0			0.00	No	1	0.99							240	04/01/2055	$220,451.22	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															9.61					$0.00	$0.00													No	No	No	No
223378542	1052926417	1052926417		N/A				No	No					$1,443.38	$1,443.38	9.750%	No	No							US Citizen									1	$1,516.56	$945.00	$126.38	$78.75						0.000%	0.000%	0.000%	02/01/2025	660																												No	No										DSCR																1	0	0	No		ClearEdge Lending				$0.00					No	No	9.750%	0		0	0	0	0			0.00	No	1.15	0.86								04/01/2055	$0.00		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	94.73					$0.00	$0.00	1	0	0	0	0	0	0	0	0	0	0	0	No	No	No	No
223378552	250227057	250227057		N/A				No	No	$16,520.25	$9,249.98		9.039%	$1,326.38	$1,326.38	8.500%	No	No	Employed						US Citizen								$51,975.62	1	$3,629.76	$2,124.00	$302.48	$177.00						24.306%	24.306%	24.306%	02/13/2025	719																												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]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available	Full Documentation (F)	2yr Full Doc																0	0	0			ClearEdge Lending	$16,520.25		6.880%	$0.00	2.2	None			N/A	No	8.500%	2		0	0	2	0			0.00	No										04/01/2055	$1,119,779.38	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															623.66		No	No		$0.00	$0.00													No	No	No	No
223378554	250226772	250226772		Non QM				Yes	No	$5,724.00	$7,339.60		9.578%	$1,342.49	$1,342.49	9.125%	No	No	Self-Employed						US Citizen								$14,469.95	1	$1,155.12	$1,491.84	$96.26	$124.32						24.777%	24.777%	24.777%	01/16/2025	684																												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]; 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]; Account Statements - 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]; Other - 2022 [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]; Third Party Verification - 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 - 2024 [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 - 2022 [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 - 2022	[Borrower]; 1084 or income worksheet - Year Not Available	Alternative Documentation (A)	12mo Bank Statement																0	0	0			ClearEdge Lending	$5,724.00		6.870%	$0.00	2.2	None			N/A	No	9.125%	0		0	0	0	0		12	0.00	No										04/01/2055			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	35.09			No		$0.00	$0.00													No	No	No	No
223378560	250226964	250226964		Non QM				Yes	No	$9,218.00	$12,848.48		9.031%	$2,446.15	$2,446.15	8.625%	No	No	Self-Employed						US Citizen								$5,806.29	1	$1,401.72	$3,079.44	$116.81	$256.62						38.006%	38.006%	38.006%	11/06/2024	728																												No	Yes	12	Business	97.000%	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]; 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 - \| 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 - 2024 [Borrower - \| Non-Primary Income - Social Security]; Account Statements - 2025	[Borrower]; 1084 or income worksheet - Year Not Available	Alternative Documentation (A)	12mo Bank Statement																0	0	0			ClearEdge Lending	$9,218.00		6.880%	$1,000.00	1.0	None			N/A	No	8.625%	0		0	0	0	0		12	0.00	No										04/01/2055	$186,205.51	50.000%	No					Yes	Commitment	Fee Simple	Individual	Individual													No	Individual	No		No	Fair Isaac (VER. 2)	FICO Classic V5 Facta	FICO Risk Score Classic 04															38.43		Yes	No		$0.00	$0.00													No	No	No	No
223378561	250227105	250227105		Non QM				Yes	No	$23,596.00	$33,811.33		7.315%	$7,647.50	$8,677.49	7.125%	No	No	Employed	Employed					US Citizen	US Citizen							$11,050.19	1	$20,124.96	$1,209.00	$1,677.08	$100.75						48.617%	43.828%	48.617%	02/19/2025	770																												No	No							[Borrower - \| Primary Income - Wages]; Paystubs - 2025 [Borrower - \| Primary Income - Wages]; VVOE - 2025 [Borrower - \| Primary Income - Wages]; Employer Letter - 2024 [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]; W-2 - 2024 [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023	[Borrower]; 1040 - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available	Full Documentation (F)	2yr Full Doc																0	0	0			ClearEdge Lending	$23,596.00		6.850%	$21,000.00	1.0	None			N/A	No	7.125%	0	2	1	0	0	0			0.00	No									360	04/01/2065	$496,563.83	31.000%	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												14.52			No		$0.00	$4,422.17													No	No	No	No
223378563	1052924420	1052924420		N/A				No	No	$14,662.48	$4,345.53		8.067%	$2,910.40	$2,910.40	8.000%	No	No	Employed						US Citizen								$11,132.44	2	$19,881.96	$3,723.60	$1,656.83	$310.30						40.627%	40.627%	40.627%	02/19/2025	757																												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]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available	Full Documentation (F)	2yr Full Doc																0	0	0			ClearEdge Lending	$14,662.48		6.850%	$9,800.00		None			No	No	8.000%	2		0	0	2	0			0.00	No										04/01/2055	$153,777.09	31.000%	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															11.38		No	No		$0.00	$0.00													No	No	No	No
223378564	250227001	250227001		Non QM				Yes	No	$8,158.00	$4,984.13		7.880%	$2,160.70	$2,160.70	7.750%	No	No	Self-Employed						Permanent Resident Alien								$4,969.12	1	$4,173.96	$2,148.00	$347.83	$179.00						35.957%	35.957%	35.957%	02/18/2025	747																												No	Yes	12	Personal	100.000%				[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]; CPA Letter - 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]; Other - 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]; 1084 or income worksheet - Year Not Available	Alternative Documentation (A)	12mo Bank Statement																0	0	0			ClearEdge Lending	$8,158.00		6.880%	$50,000.00	1.8	DU		ApproveEligible	N/A	No	7.750%	0		0	0	0	0	12		0.00	No										04/01/2055	$52,581.89	14.000%	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					11.44			No		$0.00	$0.00													No	No	No	No
223378568	1052924681	1052924681		N/A				No	No	$22,295.00	$28,243.55		9.060%	$11,139.03	$11,139.03	8.875%	No	No	Not Employed	Self-Employed						US Citizen							$343,968.79	3	$8,166.60	$1,335.96	$680.55	$111.33						14.993%	14.993%	14.993%	12/19/2024	665																												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		Alternative Documentation (A)	12mo Bank Statement																0	0	0			ClearEdge Lending	$22,295.00		6.850%	$0.00		None			N/A	No	8.875%	0	0	0	0	0	0		12	0.00	No										04/01/2055			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	48.84			No		$404,637.26	$0.00													No	No	No	No
223378577	250126651	250126651		N/A				No	No	$38,709.00	$22,550.27		7.485%	$4,863.54	$6,362.53	7.250%	No	No	Self-Employed	Self-Employed					US Citizen	US Citizen							$109,425.97	2	$14,375.04	$1,881.00	$1,197.92	$156.75						17.473%	16.342%	17.473%	01/20/2025	736																												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]; 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]; 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]; Third Party Verification - 2017 [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2006 [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 [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025 [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2017 [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2006	[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			ClearEdge Lending	$38,709.00		6.880%	$1,100.00		None			N/A	No	7.250%	0	0	0	0	0	0		12	0.00	No									240	04/01/2055	$427,083.17	37.000%	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												36.16		No	No		$66,296.86	$0.00													No	No	No	No
223378581	250227024	250227024		Non QM				Yes	No	$10,119.00	$11,890.41		8.134%	$2,682.06	$2,682.06	7.875%	No	No	Self-Employed						Permanent Resident Alien								$3,677.45	1	$6,900.00	$1,730.04	$575.00	$144.17						48.991%	48.991%	48.991%	02/13/2025	746																												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 - \| 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			ClearEdge Lending	$10,119.00		6.730%	$55,200.00		None			N/A	No	7.875%	0		0	0	0	0		12	0.00	No										04/01/2065	$77,493.52	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										Resident Alien Card					13.34		Yes	No		$0.00	$0.00													No	No	No	No
223378582	250226763	250226763		N/A				No	No	$72,199.00	$25,290.38		7.212%	$11,578.13	$15,264.99	7.125%	No	No	Self-Employed						US Citizen								$284,673.60	1	$13,947.72	$11,735.16	$1,162.31	$977.93						28.233%	27.303%	28.233%	01/03/2025	728																												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]; 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]; 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: 12]; Other - 2024 [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| 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			ClearEdge Lending	$72,199.00		6.850%	$0.00		None			N/A	No	7.125%	0		0	0	0	0		12	0.00	No									240	04/01/2055			No					Yes	Preliminary	Fee Simple	Individual	Individual													No	Individual	No		No	Fair Isaac (VER. 2)	Beacon 5.0	FICO Risk Score Classic 04														No	97.67			No		$0.00	$0.00													No	No	No	No
223378586	250126563	250126563		N/A				No	No	$21,874.00	$5,922.56		8.273%	$9,578.65	$9,578.65	8.250%	No	No	Self-Employed						US Citizen								$27,896.55	4	$23,004.60	$2,461.92	$1,917.05	$205.16						46.008%	46.008%	46.008%	11/26/2024	733																												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: 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]; 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: 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 - 2014	[Borrower]; 1084 or income worksheet - Year Not Available	Alternative Documentation (A)	24mo Bank Statement																0	0	0			ClearEdge Lending	$21,874.00		6.730%	$0.00		None			N/A	No	8.250%	0		0	0	0	0		24	0.00	No										04/01/2055	$1,134,000.39		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	94.86			No		$0.00	$0.00													No	No	No	No
223502265	250226759	250226759		N/A				No	No					$988.29	$988.29	8.750%	No	No					0			US Citizen	US Citizen							1	$719.52	$1,453.20	$59.96	$121.10						0.000%	0.000%	0.000%	11/21/2024	678																						Level 1-Not Stated/Not Verified						No	No										DSCR																0	0	0	No		ClearEdge Lending				$0.00	1.5				N/A	No	8.750%	0	0	0	0	0	0			0.00	No	1.2	0.84								03/01/2055	$1,500.00	1.000%	No					Yes	Commitment	Fee Simple	LLC	Business Entity	Individual	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									171.75					$0.00	$0.00	0	0	0	0	0	0	0	0	0	0	0	0	No	No	No	No
223502266	250126273	250126273		N/A				No	No					$10,101.12	$10,101.12	7.375%	No	No								US Citizen								2	$6,465.24	$5,004.00	$538.77	$417.00						0.000%	0.000%	0.000%	02/20/2025	748																												No	No										DSCR																0	0	0	Yes		ClearEdge Lending				$0.00					N/A	No	7.375%	0	0	0	0	0	0			0.00	No	1.08	0.93								04/01/2055			No					Yes	Preliminary	Fee Simple	Corp	Business Entity	Individual	Guarantor - Individual											Yes	Business Entity	No		No				FICO II	Beacon 5.0	FICO Risk Score Classic 04											No	20.34					$0.00	$0.00													No	No	No	No
223502268	1052927568	1052927568		N/A				No	No					$1,835.19	$1,835.19	7.500%	No	No							US Citizen									2	$7,323.24	$2,272.80	$610.27	$189.40						0.000%	0.000%	0.000%	02/25/2025	761																												No	No										DSCR																0	0	0	No		ClearEdge Lending				$0.00					No	No	7.500%	0		0	0	0	0			0.00	No	1.29	0.77								04/01/2055	$109,250.14	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															85.5					$0.00	$0.00	0	0	0	0	0	0	0	0	0	0	0	0	No	No	No	No
223502475	250327340	250327340		Non QM				Yes	No	$28,978.40	$37,135.67		7.372%	$16,886.59	$16,886.59	7.250%	No	No	Self-Employed						US Citizen								$32,750.44	1	$16,678.80	$4,383.00	$1,389.90	$365.25						41.059%	41.059%	41.059%	01/29/2025	772																												No	Yes	48	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]; 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 - \| 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 - \| 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 - \| 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]; 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]; Third Party Verification - 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]; Third Party Verification - 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 - 2024 [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]; 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]; 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]; Third Party Verification - 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]; Third Party Verification - 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]; 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]; 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]; Third Party Verification - 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]; Third Party Verification - 2025	[Borrower]; 1084 or income worksheet - Year Not Available	Alternative Documentation (A)	12mo Bank Statement																0	0	0			ClearEdge Lending	$28,978.40		6.730%	$20,000.00		None			N/A	No	7.250%	0		0	0	0	0		12	0.00	No										05/01/2055	$154,713.00	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															14.93		No	No		$0.00	$0.00													No	No	No	No
223637113	250227219	250227219		N/A				No	No					$2,080.64	$2,080.64	7.250%	No	No								US Citizen								1	$3,741.00	$2,847.00	$311.75	$237.25						0.000%	0.000%	0.000%	01/13/2025	765																												No	No										DSCR																0	0	0	No		ClearEdge Lending				$0.00	2.5				N/A	No	7.250%	0	0	0	0	0	0			0.00	No	1.22	0.82								05/01/2055	$27,258.10		No					Yes	Commitment	Fee Simple	LLC	Business Entity	Individual	Individual											Yes	Business Entity	No		No				Fair Isaac (VER. 2)	FICO Classic V5 Facta	FICO Risk Score Classic 04											No	10.37					$0.00	$0.00													No	No	No	No
223637114	1052926459	1052926459		N/A				No	No					$1,596.24	$1,596.24	7.875%	No	No								US Citizen								1	$1,097.16	$1,809.00	$91.43	$150.75						0.000%	0.000%	0.000%	12/19/2024	676																												No	No										DSCR																0	0	0	No		ClearEdge Lending				$0.00	3.1				N/A	No	7.875%	0	0	0	0	0	0			0.00	No	1.14	0.87								05/01/2055			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	42.82					$0.00	$0.00	0	0	0	0	0	0							No	No	No	No
223637134	1052927562	1052927562		N/A				No	No	$2,660.00	$11,044.62		8.180%	$3,756.87	$3,756.87	8.000%	No	No	Self-Employed						US Citizen								$1,603,247.42	1	$4,009.32	$4,245.96	$334.11	$353.83						2.629%	2.629%	2.629%	04/09/2025	693																												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]; Account Statements - 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]; 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			ClearEdge Lending	$2,660.00		6.730%	$0.00	1.0	None			Yes	No	8.000%	0		0	0	2	0		12	0.00	No										05/01/2055	$133,411.62	21.000%	No					Yes	Commitment	Fee Simple	Individual	Individual													No	Individual	No		No	Fair Isaac (VER. 2)	FICO Classic V5 Facta	FICO Risk Score Classic 04															312.57		No	No		$0.00	$0.00													No	No	No	No
223637135	1052927003	1052927003		N/A				No	No	$11,765.75	$30,924.27		7.718%	$8,327.64	$8,327.64	7.500%	No	No	Self-Employed						US Citizen								$35,991.71	1	$27,355.32	$11,920.92	$2,279.61	$993.41						45.284%	45.284%	45.284%	03/12/2025	670																												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 - \| 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]; 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			ClearEdge Lending	$11,765.75		6.730%	$0.00	2.6	None			No	No	7.500%	0		0	0	2	0		12	0.00	No										05/01/2055			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	86.02			No		$0.00	$0.00													No	No	No	No
223637138	250226721	250226721		Non QM				Yes	No	$10,024.57	$14,222.00		8.314%	$1,804.79	$1,804.79	7.750%	No	No	Self-Employed						US Citizen								$3,159.18	1	$7,274.04	$1,173.96	$606.17	$97.83						45.185%	45.185%	45.185%	12/06/2024	665																												No	Yes	48	Personal	71.000%	100.000%			[Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2024 [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; 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: 24]; 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: 24]; Other - 2025 [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025 [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Personal - 2025 [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025 [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025 [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| 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			ClearEdge Lending	$10,024.57		6.920%	$15,000.00	1.0	DU		ApproveEligible	N/A	No	7.750%	0		0	0	0	0	24		0.00	No										04/01/2055	$146,492.45	47.000%	No					Yes	Commitment	Fee Simple	Individual	Individual													No	Individual	No		No	Fair Isaac (VER. 2)	Beacon 5.0	FICO Risk Score Classic 04															29.47			No		$0.00	$0.00													No	No	No	No
223637139	250226946	250226946		Non QM				Yes	No	$38,149.00	$54,176.50		7.510%	$17,208.33	$19,338.90	7.375%	No	No	Employed	Employed					US Citizen	US Citizen							$34,022.67	1	$37,832.28	$3,611.40	$3,152.69	$300.95						49.981%	46.849%	49.981%	02/11/2025	770																												Yes	No							[Borrower - \| Primary Income - Wages]; Paystubs - 2025 [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 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 Transcript - 2023 [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025 [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]; 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 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	Other Documentation (O)	Asset Depletion																0	0	0			ClearEdge Lending	$38,149.00		6.850%	$0.00		None			N/A	No	7.375%	2	2	0	0	2	0			0.00	No					60				360	04/01/2065	$2,101,383.12	60.000%	No	26	26			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												63.73		Yes	No		$0.00	$16,911.45													No	No	No	No
223637141	1052924525	1052924525		N/A				No	No	$98,744.21	$38,866.55		8.115%	$11,900.20	$11,900.20	7.875%	No	No	Not Employed	Self-Employed						US Citizen							$116,067.75	3	$8,000.04	$5,913.60	$666.67	$492.80						35.972%	35.972%	35.972%	03/03/2025	742																												No	Yes	24	Business	100.000%		85.000%		[Coborrower(s) - \| 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 [Coborrower(s) - \| 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 [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 85.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 85.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 [Coborrower(s) - \| Non-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 [Coborrower(s) - \| Non-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 [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 85.00% \| 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: 85.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025		Alternative Documentation (A)	12mo Bank Statement																0	0	0			ClearEdge Lending	$98,744.21		6.850%	$0.00		None			No	No	7.875%	0	0	0	0	0	0		12	0.00	No										04/01/2055			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	17.32			No		$181,277.00	$0.00													No	No	No	No

ASF Addendum - Business Purpose

Run Date - 7/23/2025 2:37:57 PM

SitusAMC Loan ID	Customer Loan ID	Seller Loan ID	Investor Loan Number	Seller Name	Originator Name	Guideline Author	Loan Program	Loan Program Date	Executed NOO Docs in File	Lease In Place Flag	Rental Purpose	Actual In Place Rent	Third Party Market Rent Estimate	Third Party Rent Source	Rental Income Used for Property DSCR Calculation	Rental Source for Property DTI Calculation	Calculated Monthly Debt	Property DTI	Investor DTI	Inverse DSCR	Net Operating Income	Total Debt Service	DSCR	Total DSCR	PITIA	Lease End Date	Original Lease Term	Lease in Place Flag Unit 1	Lease Start Date Unit 1	Lease End Date Unit 1	Original Lease Term Unit 1	Rental Purpose Unit 1	Actual In Place Rent Unit 1	Third Party Market Rent Estimate Unit 1	Lease in Place Flag Unit 2	Lease Start Date Unit 2	Lease End Date Unit 2	Original Lease Term Unit 2	Rental Purpose Unit 2	Actual In Place Rent Unit 2	Third Party Market Rent Estimate Unit 2	Lease in Place Flag Unit 3	Lease Start Date Unit 3	Lease End Date Unit 3	Original Lease Term Unit 3	Rental Purpose Unit 3	Actual In Place Rent Unit 3	Third Party Market Rent Estimate Unit 3	Lease in Place Flag Unit 4	Lease Start Date Unit 4	Lease End Date Unit 4	Original Lease Term Unit 4	Rental Purpose Unit 4	Actual In Place Rent Unit 4	Third Party Market Rent Estimate Unit 4	Lease in Place Flag Unit 5	Lease Start Date Unit 5	Lease End Date Unit 5	Original Lease Term Unit 5	Rental Purpose Unit 5	Actual In Place Rent Unit 5	Third Party Market Rent Estimate Unit 5	Lease in Place Flag Unit 6	Lease Start Date Unit 6	Lease End Date Unit 6	Original Lease Term Unit 6	Rental Purpose Unit 6	Actual In Place Rent Unit 6	Third Party Market Rent Estimate Unit 6	Lease in Place Flag Unit 7	Lease Start Date Unit 7	Lease End Date Unit 7	Original Lease Term Unit 7	Rental Purpose Unit 7	Actual In Place Rent Unit 7	Third Party Market Rent Estimate Unit 7	Lease in Place Flag Unit 8	Lease Start Date Unit 8	Lease End Date Unit 8	Original Lease Term Unit 8	Rental Purpose Unit 8	Actual In Place Rent Unit 8	Third Party Market Rent Estimate Unit 8	Lease in Place Flag Unit 9	Lease Start Date Unit 9	Lease End Date Unit 9	Original Lease Term Unit 9	Rental Purpose Unit 9	Actual In Place Rent Unit 9	Third Party Market Rent Estimate Unit 9	Lease in Place Flag Unit 10	Lease Start Date Unit 10	Lease End Date Unit 10	Original Lease Term Unit 10	Rental Purpose Unit 10	Actual In Place Rent Unit 10	Third Party Market Rent Estimate Unit 10	Rent Loss Insurance	Rent Loss Insurance Amount	HOA Flag	HOA Monthly Premium Amount	Monthly Property Tax	Monthly Insurance Cost	Asset Verification	Blanket Mortgage Flag	Number of Mortgaged Properties With Lender	Number of Properties	Foreign National Alternative Credit Documentation	Foreign National Borrower 1	Foreign National Borrower 2	Investor Type	Number of Years Property Owned	Borrower Residency Status	Co Borrower Residency Status	Qualifying Credit Score	Months Bankruptcy 7 11	Months Bankruptcy 13	Months Deed in Lieu	Months Short Sale or Pre FC	Prior Mtg Rent Late 30d in 12m	Prior Mtg Rent Late 60d in 12m	Prior Mtg Rent Late 90d in 12m	Prior Mtg Rent Late 30d in 24m	Prior Mtg Rent Late 60d in 24m	Prior Mtg Rent Late 90d in 24m	Section 8	Street Address	Borrower 1 Type	Borrower 1 Designation	Borrower 1 Employment Status	Borrower 1 First Name	Borrower 1 Last Name	Borrower 1 Number of Mortgaged Properties	Borrower 1 Citizenship	Borrower 1 Documentation Used to Determine Legal Residency	Borrower 1 Country Name	Borrower 1 Asset Verification Level	Borrower 1 Credit Order Date	Borrower 1 Experian FICO	Borrower 1 Experian FICO Model Used	Borrower 1 Equifax FICO	Borrower 1 Equifax FICO Model Used	Borrower 1 TransUnion FICO	Borrower 1 TransUnion FICO Model Used	Borrower 2 Type	Borrower 2 Designation	Borrower 2 Employment Status	Borrower 2 First Name	Borrower 2 Last Name	Borrower 2 Number of Mortgaged Properties	Borrower 2 Citizenship	Borrower 2 Documentation Used to Determine Legal Residency	Borrower 2 Country Name	Borrower 2 Asset Verification Level	Borrower 2 Credit Order Date	Borrower 2 Experian FICO	Borrower 2 Experian FICO Model Used	Borrower 2 Equifax FICO	Borrower 2 Equifax FICO Model Used	Borrower 2 TransUnion FICO	Borrower 2 TransUnion FICO Model Used	Borrower 3 Designation	Borrower 3 First Name	Borrower 3 Last Name	Borrower 3 Number of Mortgaged Properties	Borrower 3 Citizenship
221899355	4000036898	4000036898							Yes	No	Short Term				$6,300.00	Third Party Rental Source	$11,008.21		0.000000	1.75			0.57	0.57	$11,008.21			No				Short Term		$6,300.00																																																																Yes	$8,000.00			$1,662.00	$514.74	Level 4-Stated/Verified as defined	No	1	7	No			Experienced Investor				793					0	0	0	0	0	0			LLC	Business Entity				1				Level 4-Stated/Verified as defined
222752572	1052839825	1052839825							Yes	No	Long Term				$1,800.00	Third Party Rental Source	$1,787.38		0.000000	0.99			1.00	1	$1,787.38			No				Long Term	$904.83	$1,800.00																																																																Yes				$263.47	$38.17	Level 3-Stated/Partially Verified	No	1	2	No	No		Experienced Investor		Non-Permanent Resident Alien		801					0	0	0	0	0	0			Individual	Individual				1	Non-Permanent Resident Alien			Level 3-Stated/Partially Verified	10/14/2024	801	Fair Isaac (VER. 2)	802	FICO Classic V5 Facta	797	FICO Risk Score Classic 04
222752577	1052849937	1052849937							Yes	Yes	Long Term				$1,950.00	Rent on Existing Lease	$1,604.82		0.000000	0.82			1.21	1.21	$1,604.82			Yes	12/01/2024	11/30/2025	12	Long Term	$1,950.00	$1,950.00																																																																Yes	$27,500.00			$310.90	$85.25	Level 4-Stated/Verified as defined	No	1	7	No	No		Experienced Investor		US Citizen		652					0	0	0	0	0	0			Individual	Individual				7	US Citizen			Level 4-Stated/Verified as defined	10/17/2024	652	Fair Isaac (VER. 2)	669	FICO Classic V5 Facta	651	FICO Risk Score Classic 04
222895378	12024090304	12024090304							Yes	No	Long Term				$2,400.00	Third Party Rental Source	$3,106.92		0.000000	1.29			0.77	0.77	$3,106.92			No				Long Term		$2,400.00																																																																Yes	$41,800.00			$773.52	$239.76	Level 1-Not Stated/Not Verified	No	1	2	No			Experienced Investor				729					0	0	0	0	0	0			LLC	Business Entity				1				Level 1-Not Stated/Not Verified
222933858	1052839661	1052839661							Yes								$10,489.49		0.074086						$10,489.49																																																																													$1,770.48	$943.74	Level 1-Not Stated/Not Verified				No		No				US Citizen	742					0	0	0	0	0	0			LLC	Business Entity	Unemployed			1				Level 1-Not Stated/Not Verified								Individual	Individual	Employed			3	US Citizen			Level 4-Stated/Verified as defined	10/02/2024	751	Fair Isaac (VER. 2)	742	FICO Classic V5 Facta	725	FICO Risk Score Classic 04
222933869	241125428	241125428							Yes	No	Long Term				$1,250.00	Third Party Rental Source	$1,042.49		0.000000	0.83			1.20	1.2	$1,042.49			No				Long Term		$1,250.00																																																																Yes	$24,700.00			$81.33	$141.33	Level 3-Stated/Partially Verified	No	1	1	No	No		Experienced Investor		US Citizen		707					0	0	0	0	0	0			Individual	Individual				2	US Citizen			Level 3-Stated/Partially Verified	11/13/2024	724	Fair Isaac (VER. 2)	707	FICO Classic V5 Facta	684	FICO Risk Score Classic 04
222933872	241125273	241125273							Yes	No	Long Term				$1,450.00	Third Party Rental Source	$1,313.46		0.000000	0.91			1.10	1.1	$1,313.46			No				Long Term		$1,450.00																																																																Yes	$30,800.00			$268.20	$170.25	Level 3-Stated/Partially Verified	No	1	1	No	No		Experienced Investor		US Citizen		707					0	0	0	0	0	0			Individual	Individual				2	US Citizen			Level 3-Stated/Partially Verified	11/13/2024	724	Fair Isaac (VER. 2)	707	FICO Classic V5 Facta	684	FICO Risk Score Classic 04
222933876	241225866	241225866							Yes	Yes	Long Term				$5,150.00	Rent on Existing Lease	$5,119.38		0.000000	0.99			1.01	1.01	$5,119.38			Yes	05/13/2018	06/01/2024	72	Long Term	$1,350.00	$1,350.00	Yes	05/01/2024	05/01/2025	12	Long Term	$1,700.00	$1,700.00	Yes	02/01/2018	06/01/2024	76	Long Term	$2,100.00	$2,100.00																																																		Yes				$145.09	$147.83	Level 4-Stated/Verified as defined	No	1	3	No	No		Experienced Investor	7.79	US Citizen		622					0	0	0	0	0	0			Individual	Individual				2	US Citizen			Level 4-Stated/Verified as defined	09/06/2024	622	Fair Isaac (VER. 2)			713	FICO Risk Score Classic 04
222933906	1052849970	1052849970							Yes								$13,630.80		0.443610						$13,630.80																																																																													$452.90	$1,039.90	Level 4-Stated/Verified as defined				No	No				US Citizen		757					0	0	0	0	0	0			Individual	Individual	Employed			5	US Citizen			Level 4-Stated/Verified as defined	11/14/2024	718	Fair Isaac (VER. 2)	758	FICO Classic V5 Facta	757	FICO Risk Score Classic 04
222979894	241024707	241024707							Yes	No	Long Term				$4,000.00	Third Party Rental Source	$4,828.07		0.000000	1.21			0.83	0.83	$4,828.07			No				Long Term		$4,000.00																																																																Yes	$42,000.00			$478.06	$169.25	Level 3-Stated/Partially Verified	No	1	4	No	No		Experienced Investor	0.30	US Citizen		698					0	0	0	0	0	0			Individual	Individual				2	US Citizen			Level 3-Stated/Partially Verified	10/24/2024	698	Fair Isaac (VER. 2)	690	FICO Classic V5 Facta	718	FICO Risk Score Classic 04
222979895	241225660	241225660							Yes	Yes	Long Term				$2,985.00	Rent on Existing Lease	$1,503.97		0.000000	0.5			1.98	1.98	$1,503.97			Yes	10/01/2024	11/01/2024	1	Long Term	$1,500.00	$1,500.00	Yes	02/07/2024	03/07/2024	1	Long Term	$1,485.00	$1,500.00																																																									Yes	$36,000.00			$232.68	$85.58	Level 4-Stated/Verified as defined	No	1	5	No			Experienced Investor	1.12			718					0	0	0	0	0	0			LLC	Business Entity				1				Level 4-Stated/Verified as defined
223022921	4000048947	4000048947							Yes	Yes	Long Term				$3,400.00	Third Party Rental Source	$3,957.59		0.000000	1.16			0.86	0.86	$3,957.59			Yes	08/26/2024	08/31/2025	12	Long Term	$2,600.00	$1,700.00	Yes	08/13/2024	08/13/2025	12	Long Term	$2,600.00	$1,700.00																																																									No				$221.32	$120.61	Level 4-Stated/Verified as defined	No	1	3	No			Experienced Investor	1.09			745					0	0	0	0	0	0			LLC	Business Entity				1				Level 4-Stated/Verified as defined
223022923	4000048706	4000048706							Yes	No	Long Term				$1,750.00	Third Party Rental Source	$983.92		0.000000	0.56			1.78	1.78	$983.92			No				Long Term		$1,750.00																																																																Yes				$154.19	$75.58	Level 4-Stated/Verified as defined	No	1	1	No			Experienced Investor	2.20			718					0	0	0	0	0	0			Corp	Business Entity				1				Level 4-Stated/Verified as defined
223022940	4000050332	4000050332							Yes	No	Long Term				$3,500.00	Third Party Rental Source	$6,712.69		0.000000	1.92			0.52	0.52	$6,712.69			No				Long Term		$3,500.00																																																																Yes	$50,000.00			$1,041.67	$233.00	Level 3-Stated/Partially Verified	No	1	5	No	No		Experienced Investor		US Citizen		764					0	0	0	0	0	0			Individual	Individual				1	US Citizen			Level 3-Stated/Partially Verified	08/05/2024	764	Fair Isaac (VER. 2)	765	FICO Classic V5 Facta	753	FICO Risk Score Classic 04
223022949	4000046480	4000046480							Yes	Yes	Long Term				$1,100.00	Rent on Existing Lease	$994.86		0.000000	0.9			1.11	1.11	$994.86			Yes	12/01/2023	05/31/2024	6	Long Term	$1,100.00	$1,300.00																																																																Yes				$103.18	$189.60	Level 3-Stated/Partially Verified	No	1	4	No	No		Experienced Investor	0.38	US Citizen		729					0	0	0	0	0	0			Individual	Individual				1	US Citizen			Level 3-Stated/Partially Verified	08/06/2024	737	Fair Isaac (VER. 2)	690	FICO Classic V5 Facta	729	FICO Risk Score Classic 04
223022956	4000048048	4000048048							Yes	Yes	Long Term				$3,200.00	Third Party Rental Source	$3,421.16		0.000000	1.07			0.94	0.94	$3,421.16			Yes	07/01/2024	06/30/2024	1	Long Term	$3,400.00	$3,200.00																																																																Yes	$19,200.00			$528.10	$470.33	Level 4-Stated/Verified as defined	No	1	2	No			Experienced Investor	0.99			592					0	0	0	0	0	0			LLC	Business Entity				1				Level 4-Stated/Verified as defined
223022965	4000052244	4000052244							Yes	Yes	Long Term				$2,500.00	Rent on Existing Lease	$2,721.93		0.000000	1.09			0.92	0.92	$2,721.93			Yes	06/15/2023	06/14/2025	24	Long Term	$2,500.00	$2,500.00																																																																Yes	$29,700.00			$262.73	$70.17	Level 4-Stated/Verified as defined	No	1	3	No	No		Experienced Investor	2.33	US Citizen		735					0	0	0	0	0	0			Individual	Individual				1	US Citizen			Level 4-Stated/Verified as defined	09/05/2024	705	Fair Isaac (VER. 2)	742	Beacon 5.0	735	FICO Risk Score Classic 04
223022981	4000052419	4000052419							Yes	Yes	Long Term				$1,400.00	Third Party Rental Source	$906.36		0.000000	0.65			1.54	1.54	$906.36			Yes	10/01/2020	09/30/2021	12	Long Term	$977.00	$700.00	Yes	05/01/2024	04/30/2025	12	Long Term	$840.00	$700.00																																																									Yes	$41,600.00			$112.76	$151.92	Level 4-Stated/Verified as defined	No	1	13	No	No		Experienced Investor		US Citizen		727					0	0	0	0	0	0			Individual	Individual				1	US Citizen			Level 4-Stated/Verified as defined	09/27/2024	727	Fair Isaac (VER. 2)	713	FICO Classic V5 Facta	738	FICO Risk Score Classic 04
223022993	4000050477	4000050477							Yes	No	Long Term				$6,500.00	Third Party Rental Source	$5,685.23		0.000000	0.87			1.14	1.14	$5,685.23			No				Long Term		$6,500.00																																																																Yes	$39,000.00			$127.45	$94.50	Level 1-Not Stated/Not Verified	No	1	10	No			Experienced Investor				761					0	0	0	0	0	0			LLC	Business Entity				1				Level 1-Not Stated/Not Verified
223022999	4000055012	4000055012							Yes	No	Long Term				$4,200.00	Third Party Rental Source	$3,993.72		0.000000	0.95			1.05	1.05	$3,993.72			No				Long Term		$4,200.00																																																																Yes	$40,000.00			$690.24	$113.17	Level 1-Not Stated/Not Verified	No	1	1	No			Experienced Investor				767					0	0	0	0	0	0			LLC	Business Entity				1				Level 1-Not Stated/Not Verified
223023004	4000054713	4000054713							Yes	Yes	Long Term				$2,670.00	Rent on Existing Lease	$3,975.41		0.000000	1.49			0.67	0.67	$3,975.41			Yes	12/07/2023	12/31/2024	12	Long Term	$2,670.00	$2,700.00																																																																Yes	$45,800.00			$734.69	$169.92	Level 1-Not Stated/Not Verified	No	1	3	No			Experienced Investor	1.10			755					0	0	0	0	0	0			LLC	Business Entity				1				Level 1-Not Stated/Not Verified
223038896	241024381	241024381							Yes	No	Long Term				$3,000.00	Third Party Rental Source	$2,451.82		0.000000	0.82			1.22	1.22	$2,451.82			No				Long Term		$3,000.00																																																																Yes	$34,300.00			$355.40	$132.15	Level 2-Stated/Not Verified	No	1	2	No	No		Experienced Investor		US Citizen		799					0	0	0	0	0	0			Individual	Individual				1	US Citizen			Level 2-Stated/Not Verified	09/26/2024	802	Fair Isaac (VER. 2)	799	FICO Classic V5 Facta	775	FICO Risk Score Classic 04
223089460	1052883614	1052883614							Yes	Yes	Long Term				$1,800.00	Third Party Rental Source	$1,165.57		0.000000	0.64			1.54	1.54	$1,165.57			Yes	03/01/2024	03/01/2026	24	Long Term	$1,200.00	$1,000.00	Yes	01/08/2025	01/08/2027	24	Long Term	$2,400.00	$800.00																																																									Yes	$19,400.00			$112.84	$188.92	Level 4-Stated/Verified as defined	No	1	1	No			Experienced Investor	5.91			690					0	0	0	0	0	0			LLC	Business Entity				1				Level 4-Stated/Verified as defined
223089461	1052868898	1052868898							Yes	Yes	Long Term				$3,047.50	Third Party Rental Source	$3,010.24		0.000000	0.98			1.01	1.01	$3,010.24			Yes	03/01/2024	04/01/2024	1	Long Term	$3,150.00	$3,047.50																																																																Yes	$31,200.00			$609.59	$170.18	Level 4-Stated/Verified as defined	No	1	2	No			Experienced Investor				670					0	0	0	0	0	0			LLC	Business Entity				1				Level 4-Stated/Verified as defined
223089462	1052883904	1052883904							Yes	No	Long Term				$1,600.00	Third Party Rental Source	$1,191.84		0.000000	0.74			1.34	1.34	$1,191.84			No				Long Term		$900.00	No				Long Term		$700.00																																																									Yes	$15,000.00			$261.84	$74.92	Level 3-Stated/Partially Verified	No	1	8	No			Experienced Investor				733					0	0	0	0	0	0			LLC	Business Entity				1				Level 3-Stated/Partially Verified
223089476	1052872241	1052872241							Yes								$18,986.39		0.357608						$18,986.39																																																																													$949.90	$373.17	Level 2-Stated/Not Verified				No							757					0	0	0	0	0	0			LLC	Business Entity	Unemployed			1				Level 2-Stated/Not Verified
223195218	241125016	241125016							Yes	No	Long Term				$4,500.00	Third Party Rental Source	$3,713.50		0.000000	0.83			1.21	1.21	$3,713.50			No				Long Term		$4,500.00																																																																Yes	$25,000.00			$139.45	$245.79	Level 4-Stated/Verified as defined	No	1	6	No	No	No	Experienced Investor		US Citizen	US Citizen	783					0	0	0	0	0	0			Individual	Individual				5	US Citizen			Level 4-Stated/Verified as defined	11/07/2024	756	Fair Isaac (VER. 2)	780	Beacon 5.0	772	FICO Risk Score Classic 04	Individual	Individual				4	US Citizen			Level 4-Stated/Verified as defined	11/07/2024	772	Fair Isaac (VER. 2)	783	Beacon 5.0	801	FICO Risk Score Classic 04
223212400	12024090765	12024090765							Yes	No	Long Term				$3,500.00	Third Party Rental Source	$4,195.69		0.000000	1.2			0.83	0.83	$4,195.69			No				Long Term		$3,500.00																																																																Yes				$647.83	$217.85	Level 3-Stated/Partially Verified	No	1	3	No	No		Experienced Investor		US Citizen		781					0	0	0	0	0	0			Individual	Individual				3	US Citizen			Level 3-Stated/Partially Verified	10/18/2024	781	Fair Isaac (VER. 2)	787	FICO Classic V5 Facta	766	FICO Risk Score Classic 04
223212416	12024100501	12024100501							Yes	No	Long Term				$2,465.00	Third Party Rental Source	$4,907.78		0.000000	1.99			0.50	0.5	$4,907.78			No				Long Term		$2,465.00																																																																Yes	$45,000.00			$905.49	$74.50	Level 4-Stated/Verified as defined	No	1	2	No	No	No	Experienced Investor		US Citizen	US Citizen	805					0	0	0	0	0	0			Individual	Individual				2	US Citizen			Level 4-Stated/Verified as defined	10/14/2024	797	FICO II	806	Beacon 5.0	801	FICO Risk Score Classic 04	Individual	Individual				2	US Citizen			Level 3-Stated/Partially Verified	10/14/2024	800	FICO II	811	Beacon 5.0	805	FICO Risk Score Classic 04
223212422	12024110180	12024110180							Yes	No	Long Term				$1,900.00	Third Party Rental Source	$1,988.12		0.000000	1.05			0.96	0.96	$1,988.12			No				Long Term		$1,900.00																																																																Yes				$303.17	$39.33	Level 3-Stated/Partially Verified	No	1	4	No	No		Experienced Investor		US Citizen		732					0	0	0	0	0	0			Individual	Individual				4	US Citizen			Level 3-Stated/Partially Verified	11/04/2024	722	Fair Isaac (VER. 2)	732	FICO Classic V5 Facta	740	FICO Risk Score Classic 04
223283420	250126497	250126497							Yes	Yes	Long Term				$3,335.00	Third Party Rental Source	$3,292.25		0.000000	0.99			1.01	1.01	$3,292.25			Yes	02/15/2025	07/15/2026	17	Long Term	$4,000.00	$3,335.00																																																																Yes				$307.84	$162.53	Level 4-Stated/Verified as defined	No	1	1	No	No		Experienced Investor	0.78	US Citizen		703					0	0	0	0	0	0			Individual	Individual				1	US Citizen			Level 4-Stated/Verified as defined	10/21/2024	703	Fair Isaac (VER. 2)	689	FICO Classic V5 Facta	703	FICO Risk Score Classic 04
223283433	1052924524	1052924524							Yes	No	Long Term				$7,800.00	Third Party Rental Source	$5,806.62		0.000000	0.74			1.34	1.34	$5,806.62			No				Long Term		$1,700.00	No				Long Term		$1,700.00	No				Long Term		$2,200.00	No				Long Term		$2,200.00																																											Yes	$87,350.00			$673.13	$466.75	Level 1-Not Stated/Not Verified	No	1	10	No			Experienced Investor				683					0	0	0	0	0	0			LLC	Business Entity				1				Level 1-Not Stated/Not Verified
223283450	250126457	250126457							Yes								$22,570.05		0.455679						$22,570.05																																																																													$7,214.13	$1,393.58	Level 4-Stated/Verified as defined				No	No			0.59	US Citizen		760					0	0	0	0	0	0			Individual	Individual	Employed			7	US Citizen			Level 4-Stated/Verified as defined	01/16/2025	623	Fair Isaac (VER. 2)	760	FICO Classic V5 Facta	766	FICO Risk Score Classic 04
223283456	250126220	250126220							Yes								$12,235.95		0.473270						$12,235.95																																																																													$1,761.14	$228.76	Level 3-Stated/Partially Verified				No	No			2.25	US Citizen		733					0	0	0	0	0	0			Individual	Individual	Employed			13	US Citizen			Level 3-Stated/Partially Verified	11/26/2024	722	Fair Isaac (VER. 2)	733	FICO Classic V5 Facta	746	FICO Risk Score Classic 04
223342357	1052840053	1052840053							Yes	No	Long Term				$2,400.00	Third Party Rental Source	$1,339.81		0.000000	0.55			1.79	1.79	$1,339.81			No				Long Term		$600.00	No				Long Term		$600.00	No				Long Term		$600.00	No				Long Term		$600.00																																											Yes	$49,000.00			$115.16	$464.58	Level 1-Not Stated/Not Verified	No	1	1	No			Experienced Investor				730					0	0	0	0	0	0			LLC	Business Entity				1				Level 1-Not Stated/Not Verified
223343266	241124885	241124885							No								$7,141.27		0.402772						$7,141.27																																																																													$945.87	$636.04	Level 4-Stated/Verified as defined				No	No			0.78	Non-Permanent Resident Alien		708					0	0	0	0	0	0			Individual	Individual	Employed			1	Non-Permanent Resident Alien	Passport	Canada	Level 4-Stated/Verified as defined	10/28/2024	718	Fair Isaac (VER. 2)	708	Beacon 5.0	708	FICO Risk Score Classic 04
223378511	250327395	250327395							Yes	No	Long Term				$4,500.00	Third Party Rental Source	$3,770.82		0.000000	0.84			1.19	1.19	$3,770.82			No				Long Term		$4,500.00																																																																Yes				$563.79	$199.92	Level 4-Stated/Verified as defined	No	1	2	No	No		Experienced Investor	1.14	US Citizen		748					0	0	0	0	0	0			Individual	Individual				1	US Citizen			Level 4-Stated/Verified as defined	12/13/2024	769	Fair Isaac (VER. 2)	748	Beacon 5.0	739	FICO Risk Score Classic 04	LLC	Business Entity								Level 4-Stated/Verified as defined
223378514	250226786	250226786							Yes	Yes	Long Term				$3,200.00	Rent on Existing Lease	$2,866.72		0.000000	0.9			1.12	1.12	$2,866.72			Yes	12/01/2024	12/31/2025	13	Long Term	$3,200.00	$3,200.00																																																																Yes	$42,970.00			$205.95	$583.17	Level 3-Stated/Partially Verified	No	1	1	No			Experienced Investor	0.22			659					0	0	0	0	0	0			LLC	Business Entity				1				Level 3-Stated/Partially Verified
223378515	250226883	250226883							Yes	No	Long Term				$2,000.00	Third Party Rental Source	$1,993.82		0.000000	1			1.00	1	$1,993.82			No				Long Term		$2,000.00																																																																Yes	$2,400.00			$210.63	$48.74	Level 4-Stated/Verified as defined	No	1	1	No		No	Experienced Investor			US Citizen	776					0	0	0	0	0	0			LLC	Business Entity				1				Level 4-Stated/Verified as defined								Individual	Individual				2	US Citizen			Level 3-Stated/Partially Verified	01/30/2025	776	Fair Isaac	767	Beacon 5.0	780	FICO Risk Score Classic 04
223378517	250226932	250226932							Yes	No	Long Term				$3,000.00	Third Party Rental Source	$1,657.44		0.000000	0.55			1.81	1.81	$1,657.44			No				Long Term		$1,150.00	No				Long Term		$1,150.00	No				Long Term		$700.00																																																		Yes	$42,000.00			$223.75	$307.14	Level 4-Stated/Verified as defined	No	1	1	No			Experienced Investor				735					0	0	0	0	0	0			LLC	Business Entity				1				Level 4-Stated/Verified as defined
223378519	250126671	250126671							Yes	No	Long Term				$2,150.00	Third Party Rental Source	$2,112.61		0.000000	0.98			1.02	1.02	$2,112.61			No				Long Term		$2,150.00																																																																Yes				$379.68	$192.64	Level 4-Stated/Verified as defined	No	1	2	No	No		Experienced Investor	2.42	US Citizen		734					0	0	0	0	0	0			Individual	Individual				1	US Citizen			Level 4-Stated/Verified as defined	01/29/2025	751	Fair Isaac (VER. 2)	734	FICO Classic V5 Facta	730	FICO Risk Score Classic 04
223378520	250226871	250226871							Yes	No	Long Term				$1,875.00	Third Party Rental Source	$1,766.90		0.000000	0.94			1.06	1.06	$1,766.90			No				Long Term		$1,875.00																																																																Yes	$21,500.00			$299.25	$112.50	Level 4-Stated/Verified as defined	No	1	1	No	No		Experienced Investor		US Citizen		764					0	0	0	0	0	0			Individual	Individual				1	US Citizen			Level 4-Stated/Verified as defined	02/03/2025	764	Fair Isaac (VER. 2)	741	FICO Classic V5 Facta	771	FICO Risk Score Classic 04
223378521	250226990	250226990							Yes	No	Long Term				$2,300.00	Third Party Rental Source	$2,244.24		0.000000	0.98			1.02	1.02	$2,244.24			No				Long Term		$2,300.00																																																																Yes	$14,000.00			$279.36	$208.25	Level 4-Stated/Verified as defined	No	1	4	No	No		Experienced Investor	14.86	US Citizen		738					0	0	0	0	0	0			Individual	Individual				2	US Citizen			Level 4-Stated/Verified as defined	02/01/2025	744	Fair Isaac (VER. 2)	738	FICO Classic V5 Facta	737	FICO Risk Score Classic 04
223378523	250126513	250126513							Yes	No	Long Term				$3,500.00	Third Party Rental Source	$4,371.76		0.000000	1.25			0.80	0.8	$4,371.76			No				Long Term		$3,500.00																																																																Yes	$49,800.00			$835.44	$204.95	Level 3-Stated/Partially Verified	No	1	11	No			Experienced Investor				776					0	0	0	0	0	0			LLC	Business Entity				1				Level 3-Stated/Partially Verified
223378524	250226896	250226896							Yes	No	Long Term				$3,250.00	Third Party Rental Source	$3,249.48		0.000000	1			1.00	1	$3,249.48			No				Long Term		$3,250.00																																																																Yes	$31,040.00			$357.68	$314.92	Level 3-Stated/Partially Verified	No	1	1	No	No		Experienced Investor		US Citizen		729					0	0	0	0	0	0			Individual	Individual				1	US Citizen			Level 3-Stated/Partially Verified	02/12/2025	729	Fair Isaac (VER. 2)	724	FICO Classic V5 Facta	738	FICO Risk Score Classic 04
223378527	250227237	250227237							Yes	No	Long Term				$2,900.00	Third Party Rental Source	$1,759.05		0.000000	0.61			1.65	1.65	$1,759.05			No				Long Term		$2,900.00																																																																Yes	$42,700.00			$316.42	$141.42	Level 4-Stated/Verified as defined	No	1	3	No			Experienced Investor				775					0	0	0	0	0	0			LLC	Business Entity				1				Level 4-Stated/Verified as defined
223378534	250227241	250227241							Yes	No	Long Term				$2,150.00	Third Party Rental Source	$2,026.67		0.000000	0.94			1.06	1.06	$2,026.67			No				Long Term		$2,150.00																																																																Yes	$24,000.00			$324.50	$127.17	Level 4-Stated/Verified as defined	No	1	1	No	No	No	Experienced Investor		US Citizen	US Citizen	766					0	0	0	0	0	0			Individual	Individual				2	US Citizen			Level 4-Stated/Verified as defined	02/10/2025	779	Fair Isaac (VER. 2)	760	FICO Classic V5 Facta	723	FICO Risk Score Classic 04	Individual	Individual				2	US Citizen			Level 4-Stated/Verified as defined	02/10/2025	766	Fair Isaac (VER. 2)	775	FICO Classic V5 Facta	752	FICO Risk Score Classic 04
223378535	1052924793	1052924793							Yes	No	Long Term				$2,700.00	Third Party Rental Source	$2,675.24		0.000000	0.99			1.00	1	$2,675.24			No				Long Term	$0.00	$2,700.00																																																																Yes	$33,500.00			$398.27	$165.75	Level 3-Stated/Partially Verified	No	1	1	No	No		Experienced Investor		US Citizen		662					0	0	0	0	0	0			Individual	Individual				2	US Citizen			Level 3-Stated/Partially Verified	02/24/2025	662	Fair Isaac (VER. 2)	618	Beacon 5.0	732	FICO Risk Score Classic 04
223378540	1052921038	1052921038							Yes	No	Long Term				$4,600.00	Third Party Rental Source	$4,596.01		0.000000	0.99			1.00	1	$4,596.01			No				Long Term		$4,600.00																																																																Yes	$60,600.00			$576.19	$160.13	Level 4-Stated/Verified as defined	No	1	1	No	No		Experienced Investor		US Citizen		669					0	0	0	0	0	0			Individual	Individual				2	US Citizen			Level 4-Stated/Verified as defined	01/21/2025	679	Fair Isaac (VER. 2)	652	FICO Classic V5 Facta	669	FICO Risk Score Classic 04
223378542	1052926417	1052926417							Yes	Yes	Long Term				$1,905.00	Third Party Rental Source	$1,648.51		0.000000	0.86			1.15	1.15	$1,648.51			Yes	02/15/2025	02/28/2026	12	Long Term	$2,315.00	$1,905.00																																																																Yes				$126.38	$78.75	Level 4-Stated/Verified as defined	No	1	3	No	No		Experienced Investor	2.68	US Citizen		660					1	0	0	1	0	0			Individual	Individual				3	US Citizen			Level 4-Stated/Verified as defined	02/01/2025	682	Fair Isaac (VER. 2)	660	FICO Classic V5 Facta	655	FICO Risk Score Classic 04
223378552	250227057	250227057							Yes								$1,805.86		0.243059						$1,805.86																																																																													$302.48	$177.00	Level 3-Stated/Partially Verified				No	No				US Citizen		719					0	0	0	0	0	0			Individual	Individual	Employed			6	US Citizen			Level 3-Stated/Partially Verified	02/13/2025	719	Fair Isaac (VER. 2)	697	FICO Classic V5 Facta	765	FICO Risk Score Classic 04
223378563	1052924420	1052924420							Yes								$4,877.53		0.406270						$4,877.53																																																																													$1,656.83	$310.30	Level 3-Stated/Partially Verified				No	No				US Citizen		757					0	0	0	0	0	0			Individual	Individual	Employed			2	US Citizen			Level 3-Stated/Partially Verified	02/19/2025	776	Fair Isaac (VER. 2)	745	FICO Classic V5 Facta	757	FICO Risk Score Classic 04
223378568	1052924681	1052924681							Yes								$11,930.91		0.149933						$11,930.91																																																																													$680.55	$111.33	Level 4-Stated/Verified as defined				No				18.48			665					0	0	0	0	0	0			LLC	Business Entity	Unemployed			1				Level 4-Stated/Verified as defined
223378577	250126651	250126651							Yes								$6,218.21		0.174727						$6,218.21																																																																													$1,197.92	$156.75	Level 4-Stated/Verified as defined				No	No	No			US Citizen	US Citizen	736					0	0	0	0	0	0			Individual	Individual	Employed			3	US Citizen			Level 4-Stated/Verified as defined	01/20/2025	766	Fair Isaac (VER. 2)	726	FICO Classic V5 Facta	712	FICO Risk Score Classic 04	Individual	Individual	Employed			2	US Citizen			Level 4-Stated/Verified as defined	01/20/2025	736	Fair Isaac (VER. 2)	736	FICO Classic V5 Facta	765	FICO Risk Score Classic 04
223378582	250226763	250226763							Yes								$13,718.37		0.282327						$13,718.37																																																																													$1,162.31	$977.93	Level 4-Stated/Verified as defined				No	No			1.68	US Citizen		728					0	0	0	0	0	0			Individual	Individual	Employed			11	US Citizen			Level 4-Stated/Verified as defined	01/03/2025	728	Fair Isaac (VER. 2)	674	Beacon 5.0	742	FICO Risk Score Classic 04
223378586	250126563	250126563							Yes								$11,700.86		0.460082						$11,700.86																																																																													$1,917.05	$205.16	Level 3-Stated/Partially Verified				No	No			0.95	US Citizen		733					0	0	0	0	0	0			Individual	Individual	Employed			11	US Citizen			Level 3-Stated/Partially Verified	11/26/2024	722	Fair Isaac (VER. 2)	733	FICO Classic V5 Facta	746	FICO Risk Score Classic 04
223502265	250226759	250226759							Yes	No	Long Term				$1,400.00	Third Party Rental Source	$1,169.35		0.000000	0.84			1.20	1.2	$1,169.35			No				Long Term		$1,400.00																																																																Yes	$21,017.00			$59.96	$121.10	Level 3-Stated/Partially Verified	No	1	4	No		No	Experienced Investor			US Citizen	678					0	0	0	0	0	0			LLC	Business Entity				1				Level 3-Stated/Partially Verified								Individual	Individual				2	US Citizen			Level 1-Not Stated/Not Verified	11/21/2024	678	Fair Isaac (VER. 2)	662	FICO Classic V5 Facta	682	FICO Risk Score Classic 04
223502266	250126273	250126273							Yes	Yes	Long Term				$11,900.00	Multiple Sources	$11,056.89		0.000000	0.93			1.08	1.08	$11,056.89			Yes	04/01/2025	03/31/2026	12	Long Term	$4,700.00	$4,968.00	Yes	04/01/2025	03/31/2026	12	Long Term	$4,700.00	$4,968.00	Yes	04/01/2025	03/31/2026	12	Long Term	$2,800.00	$2,500.00																																																		Yes	$108,600.00			$538.77	$417.00	Level 4-Stated/Verified as defined	No	1	20	No			Experienced Investor	1.92			748					0	0	0	0	0	0			Corp	Business Entity				1				Level 4-Stated/Verified as defined
223502268	1052927568	1052927568							Yes	No	Long Term				$3,400.00	Third Party Rental Source	$2,634.86		0.000000	0.77			1.29	1.29	$2,634.86			No				Long Term		$1,700.00	No				Long Term		$1,700.00																																																									Yes	$40,000.00			$610.27	$189.40	Level 4-Stated/Verified as defined	No	1	2	No	No		Experienced Investor		US Citizen		761					0	0	0	0	0	0			Individual	Individual				2	US Citizen			Level 4-Stated/Verified as defined	02/25/2025	745	Fair Isaac (VER. 2)	761	FICO Classic V5 Facta	786	FICO Risk Score Classic 04
223637113	250227219	250227219							Yes	Yes	Long Term				$3,200.00	Third Party Rental Source	$2,629.64		0.000000	0.82			1.22	1.22	$2,629.64			Yes	04/01/2025	05/01/2025	1	Long Term	$3,300.00	$3,200.00																																																																Yes				$311.75	$237.25	Level 1-Not Stated/Not Verified	No	1	10	No		No	Experienced Investor	1.11		US Citizen	765					0	0	0	0	0	0			LLC	Business Entity				1				Level 1-Not Stated/Not Verified								Individual	Individual				3	US Citizen			Level 3-Stated/Partially Verified	01/13/2025	765	Fair Isaac (VER. 2)	791	FICO Classic V5 Facta	753	FICO Risk Score Classic 04
223637114	1052926459	1052926459							Yes	Yes	Long Term				$2,100.00	Third Party Rental Source	$1,838.42		0.000000	0.87			1.14	1.14	$1,838.42			Yes	10/01/2024	11/01/2025	13	Long Term	$2,400.00	$2,100.00																																																																Yes	$21,700.00			$91.43	$150.75	Level 4-Stated/Verified as defined	No	1	1	No			Experienced Investor	1.05			676					0	0	0	0	0	0			LLC	Business Entity				1				Level 4-Stated/Verified as defined
223637134	1052927562	1052927562							Yes								$4,919.81		0.026289						$4,919.81																																																																													$334.11	$353.83	Level 4-Stated/Verified as defined				No	No				US Citizen		693					0	0	0	0	0	0			Individual	Individual	Employed			5	US Citizen			Level 4-Stated/Verified as defined	04/09/2025	744	Fair Isaac (VER. 2)	691	FICO Classic V5 Facta	693	FICO Risk Score Classic 04
223637135	1052927003	1052927003							Yes								$11,600.66		0.452844						$11,600.66																																																																													$2,279.61	$993.41	Level 4-Stated/Verified as defined				No	No			26.75	US Citizen		670					0	0	0	0	0	0			Individual	Individual	Employed			4	US Citizen			Level 4-Stated/Verified as defined	03/12/2025	700	Fair Isaac (VER. 2)	643	FICO Classic V5 Facta	670	FICO Risk Score Classic 04
223637141	1052924525	1052924525							Yes								$13,059.67		0.359722						$13,059.67																																																																													$666.67	$492.80	Level 1-Not Stated/Not Verified				No							742					0	0	0	0	0	0			LLC	Business Entity	Unemployed			1				Level 1-Not Stated/Not Verified

SitusAMC Loan ID	Borrower 3 Documentation Used to Determine Legal Residency	Borrower 3 Country Name	Borrower 3 Asset Verification Level	Borrower 3 Credit Order Date	Borrower 3 Experian FICO	Borrower 3 Experian FICO Model Used	Borrower 3 Equifax FICO	Borrower 3 Equifax FICO Model Used	Borrower 3 TransUnion FICO	Borrower 3 TransUnion FICO Model Used	Borrower 4 Designation	Borrower 4 First Name	Borrower 4 Last Name	Borrower 4 Number of Mortgaged Properties	Borrower 4 Citizenship	Borrower 4 Documentation Used to Determine Legal Residency	Borrower 4 Country Name	Borrower 4 Asset Verification Level	Borrower 4 Credit Order Date	Borrower 4 Experian FICO	Borrower 4 Experian FICO Model Used	Borrower 4 Equifax FICO	Borrower 4 Equifax FICO Model Used	Borrower 4 TransUnion FICO	Borrower 4 TransUnion FICO Model Used	Personal Guarantee	Guarantor 1 First Name	Guarantor 1 Last Name	Guarantor 1 Business Ownership Percent	Guarantor 1 Recourse Type	Guarantor 1 Number of Mortgaged Properties	Guarantor 1 Citizenship	Guarantor 1 Documentation Used to Determine Legal Residency	Guarantor 1 Country Name	Guarantor 1 Asset Verification Level	Guarantor 1 Employment Verification Level	Guarantor 1 Income Verification Level	Guarantor 1 FICO Model Used	Guarantor 1 Credit Order Date	Guarantor 1 Experian FICO	Guarantor 1 Experian FICO Model Used	Guarantor 1 Equifax FICO	Guarantor 1 Equifax FICO Model Used	Guarantor 1 TransUnion FICO	Guarantor 1 TransUnion FICO Model Used	Guarantor 1 Most Recent Fico Method	Guarantor 2 First Name	Guarantor 2 Last Name	Guarantor 2 Business Ownership Percent	Guarantor 2 Recourse Type	Guarantor 2 Number of Mortgaged Properties	Guarantor 2 Citizenship	Guarantor 2 Documentation Used to Determine Legal Residency	Guarantor 2 Country Name	Guarantor 2 Asset Verification Level	Guarantor 2 Employment Verification Level	Guarantor 2 Income Verification Level	Guarantor 2 FICO Model Used	Guarantor 2 Credit Order Date	Guarantor 2 Experian FICO	Guarantor 2 Experian FICO Model Used	Guarantor 2 Equifax FICO	Guarantor 2 Equifax FICO Model Used	Guarantor 2 TransUnion FICO	Guarantor 2 TransUnion FICO Model Used	Guarantor 2 Most Recent Fico Method	Guarantor 3 First Name	Guarantor 3 Last Name	Guarantor 3 Business Ownership Percent	Guarantor 3 Recourse Type	Guarantor 3 Number of Mortgaged Properties	Guarantor 3 Citizenship	Guarantor 3 Documentation Used to Determine Legal Residency	Guarantor 3 Country Name	Guarantor 3 Asset Verification Level	Guarantor 3 Employment Verification Level	Guarantor 3 Income Verification Level	Guarantor 3 FICO Model Used	Guarantor 3 Credit Order Date	Guarantor 3 Experian FICO	Guarantor 3 Experian FICO Model Used	Guarantor 3 Equifax FICO	Guarantor 3 Equifax FICO Model Used	Guarantor 3 TransUnion FICO	Guarantor 3 TransUnion FICO Model Used	Guarantor 3 Most Recent Fico Method	Guarantor 4 First Name	Guarantor 4 Last Name	Guarantor 4 Business Ownership Percent	Guarantor 4 Recourse Type	Guarantor 4 Number of Mortgaged Properties	Guarantor 4 Citizenship	Guarantor 4 Documentation Used to Determine Legal Residency	Guarantor 4 Country Name	Guarantor 4 Asset Verification Level	Guarantor 4 Employment Verification Level	Guarantor 4 Income Verification Level	Guarantor 4 FICO Model Used	Guarantor 4 Credit Order Date	Guarantor 4 Experian FICO	Guarantor 4 Experian FICO Model Used	Guarantor 4 Equifax FICO	Guarantor 4 Equifax FICO Model Used	Guarantor 4 TransUnion FICO	Guarantor 4 TransUnion FICO Model Used	Guarantor 4 Most Recent Fico Method	Authorized Signor 1 First Name	Authorized Signor 1 Last Name	Authorized Signor 2 First Name	Authorized Signor 2 Last Name	Member 1 First Name	Member 1 Last Name	Member 1 Documentation Used to Determine Legal Residency	Member 1 Credit Order Date	Member 1 Experian FICO	Member 1 Experian FICO Model Used	Member 1 Equifax FICO	Member 1 Equifax FICO Model Used	Member 1 TransUnion FICO	Member 1 TransUnion FICO Model Used	Member 1 Asset Verification Level	Member 1 Employment Verification Level	Member 1 Income Verification Level	Member 2 First Name	Member 2 Last Name	Member 2 Documentation Used to Determine Legal Residency	Member 2 Credit Order Date	Member 2 Experian FICO	Member 2 Experian FICO Model Used	Member 2 Equifax FICO	Member 2 Equifax FICO Model Used	Member 2 TransUnion FICO	Member 2 TransUnion FICO Model Used	Member 2 Asset Verification Level	Member 2 Employment Verification Level	Member 2 Income Verification Level	Loan Application Date	Sales Contract Date	Qualifying Home Value for LTV	Number of Units	Year Built	Total Sq Ft	Number of Bedrooms	Number of Bathrooms	Property Condition	Acquisition Cost	Renovation Cost	Effective Gross Income	Turnover Costs	Repairs and Maintenance	Marketing and Leasing Costs	Utilities	Other Costs	Cap Ex Reserve	Investment Property Original As Is LTV	As Is Value	After Repair Value	After Repair Value LTV	Loan to Cost	Original Sales Price	Assignment Fee	Loan to Purchase Price	SBC Occupancy	Investment Property Type	Has Dutch Interest	Interest Reserves Escrowed	Guarantor 1 ITIN Flag	Guarantor 2 ITIN Flag	Guarantor 3 ITIN Flag	Guarantor 4 ITIN Flag
221899355																										Yes			51.00%	Full Recourse	1	US Citizen			Level 1-Not Stated/Not Verified			Classic	04/26/2024	787	Fair Isaac (VER. 2)	795	FICO Classic V5 Facta	801	FICO Risk Score Classic 04	3			49.00%	Full Recourse	1	US Citizen			Level 1-Not Stated/Not Verified			Classic	05/21/2024	790	Fair Isaac (VER. 2)	793	FICO Classic V5 Facta	807	FICO Risk Score Classic 04	3																																																																									$1,543,000.00	1					C3										69.909%	$1,545,000.00			70.000%			70.000%
222752572																										No																																																																																																																	$230,000.00	1					C3										70.000%	$230,000.00			68.076%			68.076%
222752577																										No																																																																																																																	$215,000.00	1					C3										65.000%	$215,000.00
222895378																										Yes			19.00%	Full Recourse	1	US Citizen			Level 3-Stated/Partially Verified			Classic											71.00%	Full Recourse	3	US Citizen			Level 3-Stated/Partially Verified			Classic	09/10/2024	729	Fair Isaac (VER. 2)	729	FICO Classic V5 Facta	729	FICO Risk Score Classic 04	3																																																																									$385,000.00	1					C4										72.188%	$400,000.00			75.000%			75.000%
222933858																										No																																																																																																																	$1,390,000.00	1					C3											$1,400,000.00
222933869																										No																																																																																																																	$130,000.00	1					C3										75.000%	$130,000.00			75.000%			75.000%
222933872																										No																																																																																																																	$150,000.00	1					C3										72.581%	$155,000.00			75.000%			75.000%
222933876																										No																																																																																																																	$1,075,000.00	3					Average										59.070%	$1,075,000.00
222933906																										No																																																																																																																	$2,142,000.00	3					C3											$2,274,600.00
222979894																										No																																																																																																																	$1,150,000.00	1					C3										57.214%	$1,150,000.00
222979895																										Yes			90.00%	Full Recourse	4	US Citizen			Level 2-Stated/Not Verified			Classic	11/20/2024	718	Fair Isaac (VER. 2)	714	FICO Classic V5 Facta	739	FICO Risk Score Classic 04	3																																																																																													$208,000.00	2					Average										75.000%	$208,000.00			97.500%	$160,000.00
223022921																										Yes			100.00%	Full Recourse	1	US Citizen			Level 2-Stated/Not Verified			Classic	08/20/2024	745	Fair Isaac (VER. 2)	752	FICO Classic V5 Facta	700	FICO Risk Score Classic 04	3																																																																																													$680,000.00	2					C3										69.956%	$680,000.00			176.840%	$269,000.00
223022923																										Yes			100.00%	Full Recourse	1	US Citizen			Level 2-Stated/Not Verified			Classic	08/12/2024	742	Fair Isaac (VER. 2)	718	FICO Classic V5 Facta	675	FICO Risk Score Classic 04	3																																																																																													$164,000.00	1					C4										70.000%	$164,000.00			91.840%	$125,000.00
223022940																										No																																																																																																																	$1,000,000.00	1					C3										75.000%	$1,000,000.00			75.000%			75.000%
223022949																										No																																																																																																																	$129,000.00	1					C4										75.969%	$129,000.00
223022956																										Yes			15.00%	Full Recourse	1	US Citizen			Level 2-Stated/Not Verified			Classic	09/11/2024	592	Fair Isaac (VER. 2)	541	FICO Classic V5 Facta	617	FICO Risk Score Classic 04	3			85.00%	Full Recourse	1	US Citizen			Level 2-Stated/Not Verified			Classic	09/13/2024	779	Fair Isaac (VER. 2)	743	FICO Classic V5 Facta	718	FICO Risk Score Classic 04	3																																																																									$425,000.00	1					C3										75.000%	$425,000.00			111.842%	$285,000.00
223022965																										No																																																																																																																	$455,000.00	1					C3										69.890%	$455,000.00			93.529%	$340,000.00
223022981																										No																																																																																																																	$110,000.00	2					Average										71.739%	$115,000.00			75.000%			75.000%
223022993																										Yes			100.00%	Full Recourse	7	US Citizen			Level 4-Stated/Verified as defined			Classic	08/29/2024	773	Fair Isaac (VER. 2)	724	FICO Classic V5 Facta	761	FICO Risk Score Classic 04	3																																																																																													$1,100,000.00	1					C2										69.375%	$1,200,000.00			75.682%			75.682%
223022999																										Yes			100.00%	Full Recourse	1	US Citizen			Level 4-Stated/Verified as defined			Classic	11/12/2024	753	Fair Isaac (VER. 2)	767	FICO Classic V5 Facta	775	FICO Risk Score Classic 04	3																																																																																													$550,000.00	1					C4										76.522%	$575,000.00			80.000%			80.000%
223023004																										Yes			50.00%	Full Recourse	1	US Citizen			Level 3-Stated/Partially Verified			Classic	11/06/2024	773	Fair Isaac (VER. 2)	755	Beacon 5.0	752	FICO Risk Score Classic 04	3																																																																																													$545,000.00	1					C3										75.000%	$545,000.00			75.000%	$545,000.00
223038896																										No																																																																																																																	$328,265.00	1					C1										77.239%	$340,000.00			80.000%			80.000%
223089460																										Yes				Full Recourse	1	US Citizen			Level 2-Stated/Not Verified			Classic	12/09/2024	690	Fair Isaac (VER. 2)	694	FICO Classic V5 Facta	660	FICO Risk Score Classic 04	3																																																																																													$150,000.00	2					Average										70.000%	$150,000.00
223089461																										Yes			100.00%	Full Recourse	1	US Citizen			Level 2-Stated/Not Verified			Classic	11/08/2024	669	Fair Isaac (VER. 2)	691	FICO Classic V5 Facta	670	FICO Risk Score Classic 04	3																																																																																													$545,000.00	1					C4										57.890%	$545,000.00
223089462																										Yes			90.00%	Full Recourse	2	US Citizen			Level 3-Stated/Partially Verified			Classic	12/11/2024	746	Fair Isaac (VER. 2)	733	FICO Classic V5 Facta	717	FICO Risk Score Classic 04	3																																																																																													$150,000.00	2					Average										74.257%	$151,500.00			75.000%			75.000%
223089476																										Yes				Full Recourse	2	US Citizen			Level 2-Stated/Not Verified	Level 3-Stated/Verified as defined	Level 3-Stated/Partially Verified	Classic	12/26/2024	748	Fair Isaac (VER. 2)	765	FICO Classic V5 Facta	757	FICO Risk Score Classic 04	3																																																																																													$2,775,000.00	3					Average											$2,775,000.00
223195218																										No																																																																																																																	$952,000.00	1					C3										48.821%	$975,000.00			50.000%			50.000%
223212400																										No																																																																																																																	$635,000.00	1					C4										74.414%	$640,000.00			75.000%			75.000%
223212416																										No																																																																																																																	$498,000.00	1					C1										75.000%	$498,000.00			65.401%			65.401%
223212422																										No																																																																																																																	$310,000.00	1					C2										74.879%	$310,500.00			75.000%			75.000%
223283420																										No																																																																																																																	$602,000.00	1					C3										75.000%	$602,000.00			78.618%	$574,299.00
223283433																										Yes			100.00%	Full Recourse	4	US Citizen			Level 4-Stated/Verified as defined			Classic	01/15/2025	683	Fair Isaac (VER. 2)	683	FICO Classic V5 Facta	721	FICO Risk Score Classic 04	3																																																																																													$800,000.00	4					C4										71.856%	$835,000.00			75.000%			75.000%
223283450																										No																																																																																																																	$2,600,000.00	1					Good											$2,600,000.00
223283456																										No																																																																																																																	$1,995,000.00	4					C3											$1,995,000.00
223342357																										Yes			100.00%	Full Recourse	2	US Citizen			Level 3-Stated/Partially Verified			Classic	08/13/2024	747	Fair Isaac (VER. 2)	699	FICO Classic V5 Facta	730	FICO Risk Score Classic 04	3																																																																																													$125,000.00	4					C4										70.671%	$141,500.00			80.000%			80.000%
223343266																										No																																																																																																																	$970,000.00	1					C3											$970,000.00
223378511																										No																																																																																															Level 4-Stated/Verified as defined													Level 4-Stated/Verified as defined					$540,000.00	1					C3										75.000%	$540,000.00			197.561%	$205,000.00
223378514																										Yes			100.00%	Full Recourse	1	US Citizen			Level 1-Not Stated/Not Verified			Classic	01/27/2025	686	Fair Isaac (VER. 2)	636	FICO Classic V5 Facta	659	FICO Risk Score Classic 04	3																																																																																													$484,000.00	1					C3										59.917%	$484,000.00			290.000%	$100,000.00
223378515																										No																																																																																																																	$200,000.00	1					C4										80.000%	$200,000.00			80.000%			80.000%
223378517																										Yes			100.00%	Full Recourse	2	US Citizen			Level 1-Not Stated/Not Verified			Classic	02/11/2025	742	Fair Isaac (VER. 2)	735	FICO Classic V5 Facta	714	FICO Risk Score Classic 04	3																																																																																													$179,000.00	3					C3										80.000%	$179,000.00			80.000%			80.000%
223378519																										No																																																																																																																	$297,800.00	1					C2											$335,000.00
223378520																										No																																																																																																																	$267,000.00	1					C3										70.000%	$267,000.00			70.000%			70.000%
223378521																										No																																																																																																																	$260,000.00	1					C3										70.000%	$260,000.00
223378523																										Yes			100.00%	Full Recourse	10	US Citizen			Level 3-Stated/Partially Verified			Classic	03/06/2025	753	Fair Isaac (VER. 2)	776	FICO Classic V5 Facta	784	FICO Risk Score Classic 04	3																																																																																													$668,366.00	1					C1										69.518%	$673,000.00			70.000%			70.000%
223378524																										No																																																																																																																	$570,000.00	1					C3										70.000%	$570,000.00			69.391%			69.391%
223378527																										Yes			85.00%	Full Recourse	2	US Citizen			Level 4-Stated/Verified as defined			Classic	02/24/2025	829	Fair Isaac (VER. 2)	775	FICO Classic V5 Facta	760	FICO Risk Score Classic 04	3																																																																																													$229,800.00	1					C3										77.244%	$238,000.00			80.000%			80.000%
223378534																										No																																																																																																																	$300,000.00	1					C2										80.000%	$300,000.00			80.000%			80.000%
223378535																										No																																																																																																																	$429,400.00	1					C3										78.073%	$440,000.00			80.000%			80.000%
223378540																										No																																																																																																																	$850,000.00	1					C3										69.765%	$850,000.00			69.765%			69.765%
223378542																										No																																																																																																																	$240,000.00	1					C3										70.000%	$240,000.00			187.710%	$89,500.00
223378552																										No																																																																																																																	$230,000.00	1					C3											$252,000.00
223378563																										No																																																																																																																	$495,800.00	2					C3											$515,000.00
223378568																										Yes				Full Recourse	6	US Citizen			Level 2-Stated/Not Verified	Level 3-Stated/Verified as defined	Level 3-Stated/Partially Verified	Classic	12/19/2024	671	Fair Isaac (VER. 2)	665	FICO Classic V5 Facta	662	FICO Risk Score Classic 04	3																																																																																													$2,050,000.00	3					Excellent											$2,050,000.00
223378577																										No																																																																																																																	$1,150,000.00	2					C3											$1,150,000.00
223378582																										No																																																																																																																	$3,000,000.00	1					C2											$3,000,000.00
223378586																										No																																																																																																																	$1,700,000.00	4					C3											$1,700,000.00
223502265																										Yes			50.00%	Full Recourse	2	US Citizen			Level 1-Not Stated/Not Verified			Classic	11/21/2024	667	Fair Isaac (VER. 2)	663	FICO Classic V5 Facta	663	FICO Risk Score Classic 04	3																																																																																													$167,500.00	1					C4										69.406%	$181,000.00			75.000%			75.000%
223502266																										Yes			100.00%	Full Recourse	16	US Citizen			Level 2-Stated/Not Verified			Classic	02/20/2025	777	FICO II	748	Beacon 5.0	728	FICO Risk Score Classic 04	3																																																																																													$1,950,000.00	2					C1										75.000%	$1,950,000.00
223502268																										No																																																																																																																	$350,000.00	2					C1										65.616%	$400,000.00			74.990%			74.990%
223637113																										No																																																																																																																	$385,000.00	1					C3										79.221%	$385,000.00			145.238%	$210,000.00
223637114																										Yes			100.00%	Full Recourse	1	US Citizen			Level 2-Stated/Not Verified			Classic	12/19/2024	657	Fair Isaac (VER. 2)	676	FICO Classic V5 Facta	684	FICO Risk Score Classic 04	3																																																																																													$330,000.00	1					C3										66.712%	$330,000.00			133.424%	$165,000.00
223637134																										No																																																																																																																	$640,000.00	1					C3											$640,000.00
223637135																										No																																																																																																																	$1,985,000.00	1					C3											$1,985,000.00
223637141																										Yes			85.00%	Full Recourse	5	US Citizen			Level 4-Stated/Verified as defined	Level 3-Stated/Verified as defined	Level 3-Stated/Partially Verified	Classic	03/03/2025	742	Fair Isaac (VER. 2)	733	FICO Classic V5 Facta	748	FICO Risk Score Classic 04	3																																																																																													$2,525,000.00	3					C1											$2,525,000.00