Exhibit 99.01 Schedule 4
| SitusAMC Loan ID | Customer Loan ID | Seller Loan ID | Investor Loan Number | TILA Status Loan Designation | Exempt QM/ATR Equivalency | CDFI Bank Originated Loan | Application Date | TRID Tested | GSE | HOEPA Fees | TILA Fees | Rate Lock Date | Calculated APR | Original P&I | Qualifying P&I | Qualifying Rate | Is Borrower Non Occupant | Is Co Borrower Non Occupant | Borrower Employment Indicator | Co Borrower Employment Indicator | Co Borrower 2 Employment Indicator | Co Borrower 3 Employment Indicator | Co Borrower2 Length of Employment | Co Borrower3 Length of Employment | Borrower Foreign National Indicator | Co Borrower Foreign National Indicator | Co Borrower 2 Foreign National Indicator | Co Borrower 3 Foreign National Indicator | Borrower Country Name | Co Borrower Country Name | Co Borrower2 Country Name | Co Borrower3 Country Name | Residual Income | Num Units | Annual Property Tax | Annual Insurance Costs | Monthly Property Tax | Monthly Insurance Costs | HOA Name | HOA Address State | Fee Amount | Next Due Date | HOA Payment Frequency | Investor DTI | QM DTI | Non QM DTI | Original Credit Report Date | Qualifying Credit Score | Third Wage Earner Original FICO Equifax | Third Wage Earner Original FICO Experian | Third Wage Earner Original FICO Transunion | Fourth Wage Earner Original FICO Equifax | Fourth Wage Earner Original FICO Experian | Fourth Wage Earner Original FICO Transunion | Most Recent Updated Credit Report Date | Primary Wage Earner Updated FICO Equifax | Primary Wage Earner Updated FICO Experian | Primary Wage Earner Updated FICO Transunion | Secondary Wage Earner Updated FICO Equifax | Secondary Wage Earner Updated FICO Experian | Secondary Wage Earner Updated FICO Transunion | Third Wage Earner Updated FICO Equifax | Third Wage Earner Updated FICO Experian | Third Wage Earner Updated FICO Transunion | Fourth Wage Earner Updated FICO Equifax | Fourth Wage Earner Updated FICO Experian | Fourth Wage Earner Updated FICO Transunion | Most Recent Updated Co Borrower 2 FICO | Most Recent Updated Co Borrower 3 FICO | Co Borrower 2 Asset Verification Level | Co Borrower 3 Asset Verification Level | Co Borrower 2 Income Verification Level | Co Borrower 3 Income Verification Level | Co Borrower 2 Employment Verification Level | Co Borrower 3 Employment Verification Level | Asset Depletion Flag | Bank Statements Flag | Number of Statements | Type of Statements | Percent of Income From Statements | Borrower Business Ownership % | CoBorrower Business Ownership % | P&L Type | Income Doc Detail | Tax Return Doc Details | Document Level | Document Type | Most Recent Bankruptcy Type | Most Recent Bankruptcy Filing Date | Most Recent Bankruptcy Discharge Date | Number of Bankruptcy Events | Months Bankruptcy (7, 11) | Months Bankruptcy (13) | Most Recent Deed-in -Lieu Date | Number of Deed-in-Lieu Events | Months Deed-in-Lieu | Most Recent Short Sale Date | Number of Short Sale Events | Months Short Sale (or Pre FC) | Most Recent Foreclosure Date | Number of Foreclosure Events | Months Foreclosure | Prior Mortgage/Rent Late 30d in 24m | Prior Mortgage/Rent Late 60d in 24m | Prior Mortgage/Rent Late 90d in 24m | Has ACH | Guideline Name | UW Guideline Author | ATR QM Total Points and Fees Audit | Loan Regulation Benchmark Date | Benchmark Rate | HUD 1 Page 1 Credits Total | Collateral Underwriter Risk Score | AUS Decision System | Property Inspection Waiver (PIW) | Rating Result | Eligible For Rep and Warrant Relief Per Collateral Advisor | Is Equity Shared Loan | Investor Qualifying Rate | Borrower Years of W2s | CoBorrower Years of W2s | Years of Personal Tax Returns | Years of Business Tax Returns | Years of 4506T | Years of Tax Transcripts | Months of Personal Bank Statements | Months of Business Bank Statements | Months of Profit and Loss Statements | Expense Letter | Total DSCR | Total 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 | Total Number of Mortgaged Properties | Amortization Term Less IO |
| XXXXX | 4000004442 | XXXXX | Non QM | Yes | No | $17,141.00 | $21,048.95 | 7.901% | $4,993.48 | $4,993.48 | 7.625% | No | No | Self-Employed | US Citizen | $27,461.24 | 1 | $14,666.64 | $3,384.72 | $1,222.22 | $282.06 | 23.719% | 23.719% | 23.719% | XXXXX | 729 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 24]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | XXXXX | $17,141.00 | 5.180% | $0.00 | None | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 24 | 0.00 | No | XXXXX | XXXXX | 0.000% | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 9.95 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000004371 | XXXXX | Non QM | Yes | No | $28,999.00 | $34,684.17 | 7.182% | $6,569.29 | $6,569.29 | 6.875% | No | No | Self-Employed | US Citizen | $81,613.73 | 1 | $4,380.60 | $3,275.04 | $365.05 | $272.92 | 14.076% | 14.076% | 14.076% | XXXXX | 756 | No | Yes | 12 | Personal | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: % | Expense
Ratio: 22.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements
Required: 12]; Account Statements - Personal - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 22.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXXX | $28,999.00 | 5.330% | $0.00 | 4.5 | None | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 24.130% | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 12.02 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000005497 | XXXXX | Non QM | Yes | No | $11,943.00 | $14,420.32 | 7.452% | $4,524.19 | $4,524.19 | 7.250% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $33,550.68 | 1 | $10,362.48 | $1,632.36 | $863.54 | $136.03 | 15.185% | 15.185% | 15.185% | XXXXX | 683 | 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 - 2022 [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 - 2022 [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 - | 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 - | 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]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2021 [Coborrower]; 4506-C - 2020 [Coborrower]; 4506-C - 2019 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXXX | $11,943.00 | 5.370% | $0.00 | None | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 3.470% | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 13.92 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000019381 | XXXXX | N/A | No | No | $1,586.58 | $1,586.58 | 9.125% | No | No | US Citizen | 1 | $2,146.68 | $1,122.00 | $178.89 | $93.50 | 0.000% | 0.000% | 0.000% | XXXXX | 816 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 9.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.05 | 0.96 | XXXXX | XXXXX | 49.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 28.11 | Yes | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000030473 | XXXXX | N/A | No | No | $4,910.26 | $4,910.26 | 9.990% | No | No | US Citizen | 1 | $4,965.60 | $2,568.96 | $413.80 | $214.08 | 0.000% | 0.000% | 0.000% | XXXXX | 726 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 3.1 | No | No | 9.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.72 | 1.38 | XXXXX | XXXXX | 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 | 20.95 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000072669 | XXXXX | N/A | No | No | $1,221.89 | $1,221.89 | 6.875% | No | No | US Citizen | 1 | $3,793.68 | $198.96 | $316.14 | $16.58 | 0.000% | 0.000% | 0.000% | XXXXX | 809 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.85 | 1.17 | XXXXX | No | Yes | Short Form | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 80.52 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000071553 | XXXXX | N/A | No | No | $1,526.39 | $1,526.39 | 7.375% | No | No | US Citizen | 1 | $6,938.52 | $2,223.96 | $578.21 | $185.33 | 0.000% | 0.000% | 0.000% | XXXXX | 740 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.87 | 1.16 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 12.79 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000074433 | XXXXX | N/A | No | No | $21,651.72 | $5,037.84 | 8.107% | $2,847.01 | $2,847.01 | 8.000% | No | No | Employed | US Citizen | $111,516.66 | 1 | $14,224.08 | $960.60 | $1,185.34 | $80.05 | 15.385% | 15.385% | 15.385% | XXXXX | 749 | No | No | [Borrower - |
Primary Income - Wages]; Other - 2025 [Borrower - | Primary Income - Wages]; Other - 2025 [Borrower - | Primary Income - Wages]; Other - 2025 [Borrower - | Primary Income - Wages]; Other - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2022 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $21,651.72 | 6.800% | $0.00 | 2.6 | None | Yes | No | 8.000% | 3 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | No | 26 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 25.94 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000079398 | XXXXX | N/A | No | No | $1,555.58 | $1,555.58 | 8.000% | No | No | US Citizen | 1 | $1,968.00 | $1,590.96 | $164.00 | $132.58 | 0.000% | 0.000% | 0.000% | XXXXX | 783 | No | No | DSCR | 2 | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 8.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.13 | 0.88 | XXXXX | XXXXX | 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 | 22 | Yes | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000082663 | XXXXX | N/A | No | No | $6,444.72 | $6,444.72 | 8.875% | No | No | US Citizen | 1 | $19,366.32 | $3,053.04 | $1,613.86 | $254.42 | 0.000% | 0.000% | 0.000% | XXXXX | 801 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.0 | Yes | No | 8.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.57 | 1.77 | XXXXX | XXXXX | 8.630% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 13.8 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000086035 | XXXXX | N/A | No | No | $1,734.09 | $1,734.09 | 7.625% | No | No | US Citizen | 1 | $6,470.76 | $4,528.08 | $539.23 | $377.34 | 0.000% | 0.000% | 0.000% | XXXXX | 722 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.87 | 1.15 | XXXXX | XXXXX | 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 | 23.51 | Yes | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000083667 | XXXXX | Non QM | Yes | No | $1,640.00 | $16,952.83 | 6.762% | $16,052.80 | $16,052.80 | 6.750% | No | No | Employed | Employed | US Citizen | US Citizen | $24,243.93 | 1 | $59,068.92 | $20,861.28 | $4,922.41 | $1,738.44 | 49.886% | 49.886% | 49.886% | XXXXX | 796 | No | No | [Borrower - |
Primary Income - Wages]; Other - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Borrower - | Primary Income - Wages]; W-2 - 2022 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; Tax Return Extension - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1040 - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Tax Return Extension - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.670% | $3,500.00 | 1.0 | None | No | No | 6.750% | 3 | 1 | 3 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | 70.100% | No | 30 | 18 | 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 | 64.86 | Yes | No | $0.00 | $12,460.92 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000086432 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $6,125.00 | $7,510.48 | 10.776% | $1,568.18 | $1,568.18 | 10.250% | No | No | Self-Employed | US Citizen | $20,439.16 | 1 | $0.00 | $399.96 | $0.00 | $33.33 | 21.526% | 21.526% | 21.526% | XXXXX | 667 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; Business License - 2025 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2025 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $6,125.00 | 6.670% | $0.00 | 1.3 | None | N/A | No | 10.250% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | XXXXX | No | Yes | Shares/Stock/Ownership (Co-op) | Leasehold | Individual | Individual | No | Individual | No | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 53.57 | Yes | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000084542 | XXXXX | N/A | No | No | $4,010.42 | $4,010.42 | 6.875% | No | No | 0 | US Citizen | US Citizen | 1 | $25,816.08 | $2,891.04 | $2,151.34 | $240.92 | 0.000% | 0.000% | 0.000% | XXXXX | 781 | Level 3-Stated/Partially Verified | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.56 | 0.64 | 240 | XXXXX | XXXXX | 100.000% | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 163.71 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000084216 | XXXXX | N/A | No | No | $1,432.57 | $1,432.57 | 7.250% | No | No | US Citizen | 1 | $8,181.96 | $792.96 | $681.83 | $66.08 | 0.000% | 0.000% | 0.000% | XXXXX | 737 | No | No | DSCR | 2 | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.92 | 1.09 | XXXXX | 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 | 86.33 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000083739 | XXXXX | N/A | No | No | $2,968.74 | $2,968.74 | 7.125% | No | No | US Citizen | 1 | $11,260.92 | $1,751.28 | $938.41 | $145.94 | 0.000% | 0.000% | 0.000% | XXXXX | 807 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.38 | 0.72 | 240 | XXXXX | XXXXX | 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 | 184.43 | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000088482 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $1,404.50 | $1,620.42 | 6.785% | $2,334.95 | $2,334.95 | 6.750% | No | No | Employed | US Citizen | $107,185.97 | 1 | $7,141.92 | $626.04 | $595.16 | $52.17 | 24.394% | 24.394% | 24.394% | XXXXX | 789 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,404.50 | 6.630% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.750% | 1 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | No | 28 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 167.93 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000085351 | XXXXX | Non QM | Yes | No | $1,640.00 | $4,341.80 | 6.678% | $4,482.18 | $4,482.18 | 6.625% | No | No | Non-Employment Income | US Citizen | $10,749.02 | 1 | $7,311.96 | $2,542.32 | $609.33 | $211.86 | 45.084% | 45.084% | 45.084% | XXXXX | 809 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.790% | $0.00 | 1.0 | None | No | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | Other | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 345.31 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000089054 | XXXXX | N/A | No | No | $2,719.69 | $2,719.69 | 6.875% | No | No | US Citizen | 1 | $920.76 | $2,921.04 | $76.73 | $243.42 | 0.000% | 0.000% | 0.000% | XXXXX | 735 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.99 | 1.01 | XXXXX | XXXXX | 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 | 5.51 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000088013 | XXXXX | N/A | No | No | $4,043.58 | $4,043.58 | 8.375% | No | No | US Citizen | 2 | $7,357.20 | $2,573.64 | $613.10 | $214.47 | 0.000% | 0.000% | 0.000% | XXXXX | 740 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | No | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.15 | 0.87 | XXXXX | XXXXX | 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 | 653.97 | Yes | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000089357 | XXXXX | N/A | No | No | $1,640.00 | $4,361.69 | 7.196% | $2,299.06 | $2,299.06 | 7.125% | No | No | Not Employed | Employed | Employed | 9.63 | US Citizen | US Citizen | $21,433.12 | 1 | $6,478.44 | $1,923.96 | $539.87 | $160.33 | 48.115% | 48.115% | 48.115% | XXXXX | 783 | Level 4-Stated/Verified as defined | Level 5-Stated/Verified as defined | Level 3-Stated/Verified as defined | No | No | [Coborrower(s) - |
Primary Income - Wages]; Employer Letter - 2025 [Coborrower(s) - | Primary Income - Wages]; Other - 2025 [Coborrower(s) - | Primary Income - Wages]; Other - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2022 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2021 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2022 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2021 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.750% | $0.00 | 1.0 | None | N/A | No | 7.125% | 0 | 4 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 91.110% | No | 11 | 32 | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 80.72 | No | No | $0.00 | $41,308.86 | No | No | No | No | 5 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000088019 | XXXXX | N/A | No | No | $3,687.61 | $3,687.61 | 7.625% | No | No | US Citizen | 2 | $5,996.88 | $2,499.96 | $499.74 | $208.33 | 0.000% | 0.000% | 0.000% | XXXXX | 740 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.23 | 0.81 | XXXXX | XXXXX | 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 | 680.96 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000088570 | XXXXX | Non QM | Yes | No | $2,427.36 | $6,378.15 | 9.592% | $3,578.68 | $3,578.68 | 9.500% | No | No | Self-Employed | US Citizen | $7,525.53 | 1 | $5,940.48 | $1,581.00 | $495.04 | $131.75 | 44.563% | 44.563% | 44.563% | XXXXX | 665 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $2,427.36 | 6.630% | $0.00 | 1.0 | None | Yes | No | 9.500% | 0 | 0 | 0 | 2 | 0 | 12.00 | No | XXXXX | XXXXX | 43.920% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 26.44 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000087785 | XXXXX | Non QM | Yes | No | $1,640.00 | $6,956.16 | 7.153% | $5,659.24 | $5,659.24 | 7.125% | No | No | Employed | Not Employed | US Citizen | US Citizen | $26,564.04 | 1 | $8,490.72 | $6,011.04 | $707.56 | $500.92 | 38.269% | 38.269% | 38.269% | XXXXX | 705 | No | No | [Borrower - |
Primary Income - Wages]; Other - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.750% | $0.00 | 1.8 | None | No | No | 7.125% | 2 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | 100.000% | No | 31 | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 224.5 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000091634 | XXXXX | N/A | No | No | $4,368.58 | $4,368.58 | 6.875% | No | No | 0 | US Citizen | US Citizen | 3 | $9,445.56 | $3,399.12 | $787.13 | $283.26 | 0.000% | 0.000% | 0.000% | XXXXX | 812 | Level 3-Stated/Partially Verified | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.23 | 0.81 | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 314.26 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000088649 | XXXXX | N/A | No | No | $2,874.06 | $2,874.06 | 6.875% | No | No | US Citizen | 1 | $15,365.76 | $1,809.00 | $1,280.48 | $150.75 | 0.000% | 0.000% | 0.000% | XXXXX | 797 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 3.2 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | XXXXX | XXXXX | 10.910% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 6.89 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000084504 | XXXXX | N/A | No | No | $3,589.93 | $3,589.93 | 7.625% | No | No | US Citizen | 1 | $7,546.68 | $1,077.96 | $628.89 | $89.83 | 0.000% | 0.000% | 0.000% | XXXXX | 793 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.11 | 0.9 | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | Yes | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 144.07 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000093779 | XXXXX | Non QM | Yes | No | $8,035.00 | $7,450.53 | 7.790% | $3,085.98 | $3,085.98 | 7.625% | No | No | Employed | US Citizen | $10,648.65 | 1 | $8,823.48 | $3,418.68 | $735.29 | $284.89 | 30.392% | 30.392% | 30.392% | XXXXX | 807 | No | No | [Borrower - |
Primary Income - Wages]; Other - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $8,035.00 | 6.630% | $87,000.00 | 1.0 | None | Yes | No | 7.625% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | 4.960% | No | 12 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 3.95 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000092226 | XXXXX | N/A | No | No | $1,346.82 | $1,346.82 | 7.375% | No | No | US Citizen | 1 | $4,209.84 | $2,611.44 | $350.82 | $217.62 | 0.000% | 0.000% | 0.000% | XXXXX | 791 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.6 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.81 | 1.24 | XXXXX | XXXXX | 47.990% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 25.74 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000092024 | XXXXX | N/A | No | No | $9,895.50 | $5,293.57 | 7.535% | $5,003.23 | $5,003.23 | 7.500% | No | No | Employed | Self-Employed | US Citizen | US Citizen | $26,829.61 | 1 | $15,416.28 | $3,393.60 | $1,284.69 | $282.80 | 41.657% | 41.657% | 41.657% | XXXXX | 770 | No | No | [Borrower - |
Primary Income - Wages]; Other - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Sole Proprietor]; P&L Statement - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Coborrower(s) - | Non-Primary Income - K-1 (< 25%)]; K-1 - 2024 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Tax Return Extension - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Tax Return Extension - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $9,895.50 | 6.570% | $0.00 | 1.0 | None | N/A | No | 7.500% | 1 | 0 | 1 | 0 | 2 | 1 | 0.00 | No | XXXXX | XXXXX | No | 30 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 331.14 | No | No | $3,060.05 | $0.00 | No | No | No | No | 15 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000089884 | XXXXX | Non QM | Yes | No | $1,840.00 | $14,641.20 | 6.548% | $12,059.86 | $12,059.86 | 6.500% | No | No | Employed | Employed | US Citizen | US Citizen | $28,487.01 | 1 | $26,367.96 | $4,113.96 | $2,197.33 | $342.83 | 36.696% | 36.696% | 36.696% | XXXXX | 787 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,840.00 | 6.610% | $0.00 | 1.0 | None | Yes | No | 6.500% | 1 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 41.870% | No | 16 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 33.25 | Yes | No | $0.00 | $25,000.02 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000091139 | XXXXX | N/A | No | No | $822.48 | $822.48 | 6.625% | No | No | US Citizen | 1 | $3,625.80 | $948.00 | $302.15 | $79.00 | 0.000% | 0.000% | 0.000% | XXXXX | 773 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.2 | 0.83 | XXXXX | XXXXX | 48.130% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 85.18 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000083685 | XXXXX | N/A | No | No | $2,319.40 | $2,319.40 | 7.250% | No | No | US Citizen | 1 | $17,916.60 | $4,117.20 | $1,493.05 | $343.10 | 0.000% | 0.000% | 0.000% | XXXXX | 781 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.2 | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.96 | 1.04 | XXXXX | XXXXX | 69.240% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 98.13 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000092069 | XXXXX | N/A | No | No | $600.36 | $600.36 | 7.875% | No | No | US Citizen | 1 | $2,765.52 | $1,430.04 | $230.46 | $119.17 | 0.000% | 0.000% | 0.000% | XXXXX | 778 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | Yes | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.16 | 0.86 | XXXXX | XXXXX | 1.550% | 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 | 5.68 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000088698 | XXXXX | N/A | No | No | $1,640.00 | $2,505.08 | 7.967% | $1,536.57 | $1,536.57 | 7.875% | No | No | Not Employed | Employed | US Citizen | $13,294.76 | 1 | $1,703.52 | $907.08 | $141.96 | $75.59 | 34.444% | 34.444% | 34.444% | XXXXX | 787 | No | No | [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 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.630% | $0.00 | 1.0 | None | N/A | No | 7.875% | 0 | 2 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 141.01 | No | No | $0.00 | $20,280.00 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000093900 | XXXXX | N/A | No | No | $3,896.72 | $3,896.72 | 6.375% | No | No | US Citizen | 1 | $10,377.12 | $1,587.00 | $864.76 | $132.25 | 0.000% | 0.000% | 0.000% | XXXXX | 781 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | 1.0 | Yes | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.25 | 0.8 | 240 | XXXXX | XXXXX | 70.240% | 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 | 182.48 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000089320 | XXXXX | Non QM | Yes | No | $1,644.50 | $3,174.65 | 7.445% | $2,507.15 | $2,507.15 | 7.375% | No | No | Employed | Not Employed | US Citizen | US Citizen | $29,311.74 | 1 | $7,761.48 | $1,570.20 | $646.79 | $130.85 | 15.899% | 15.899% | 15.899% | XXXXX | 799 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,644.50 | 6.630% | $0.00 | 1.0 | None | Yes | No | 7.375% | 2 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | No | 21 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 34.01 | Retail | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000087011 | XXXXX | Non QM | Yes | No | $1,440.00 | $4,216.80 | 6.655% | $5,983.07 | $5,983.07 | 6.625% | No | No | Employed | Employed | US Citizen | US Citizen | $22,486.58 | 1 | $5,457.36 | $2,475.96 | $454.78 | $206.33 | 39.279% | 39.279% | 39.279% | XXXXX | 792 | No | No | [Borrower - |
Primary Income - Wages]; Other - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,440.00 | 6.750% | $0.00 | 2.2 | None | Yes | No | 6.625% | 2 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | 52.000% | No | 31 | 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 | 54.03 | Retail | No | No | $0.00 | $9,441.66 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000090203 | XXXXX | N/A | No | No | $10,150.56 | $10,150.56 | 6.750% | No | No | 0 | US Citizen | US Citizen | 1 | $15,517.20 | $8,972.76 | $1,293.10 | $747.73 | 0.000% | 0.000% | 0.000% | XXXXX | 784 | Level 3-Stated/Partially Verified | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.6 | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.15 | 0.87 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 127.8 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000089848 | XXXXX | N/A | No | No | $1,640.00 | $4,814.68 | 7.710% | $1,538.27 | $1,538.27 | 7.500% | No | No | Not Employed | Employed | Employed | 25.5 | US Citizen | US Citizen | $9,533.44 | 1 | $8,051.64 | $2,483.04 | $670.97 | $206.92 | 29.399% | 29.399% | 29.399% | XXXXX | 810 | Level 4-Stated/Verified as defined | Level 5-Stated/Verified as defined | Level 3-Stated/Verified as defined | No | No | [Coborrower(s) - |
Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2023 [Coborrower(s) - | Primary Income - Wages]; Other - 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 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.610% | $2,500.00 | 1.0 | None | Yes | No | 7.500% | 0 | 2 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 53.690% | No | 31 | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 37.18 | No | No | $0.00 | $13,503.17 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000095593 | XXXXX | N/A | No | No | $9,995.00 | $12,896.65 | 7.968% | $3,635.79 | $3,635.79 | 7.750% | No | No | Not Employed | Self-Employed | US Citizen | $152,851.59 | 1 | $2,780.04 | $512.04 | $231.67 | $42.67 | 33.935% | 33.935% | 33.935% | XXXXX | 752 | No | Yes | 12 | Business | 100.000% | 100.000% | [Coborrower(s) - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $9,995.00 | 6.880% | $0.00 | 3.5 | None | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 123.57 | No | No | $231,366.92 | $0.00 | No | No | No | No | 17 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000091358 | XXXXX | Non QM | Yes | No | $1,640.00 | $3,358.72 | 6.526% | $5,631.73 | $5,631.73 | 6.500% | No | No | Employed | US Citizen | $16,367.53 | 1 | $10,662.00 | $1,866.00 | $888.50 | $155.50 | 49.338% | 49.338% | 49.338% | XXXXX | 796 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.630% | $0.00 | 4.5 | None | Yes | No | 6.500% | 2 | 2 | 0 | 3 | 2 | 0.00 | No | XXXXX | XXXXX | 100.000% | No | 8 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 874.12 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000091205 | XXXXX | Non QM | Yes | No | $1,640.00 | $2,870.02 | 6.958% | $1,865.15 | $1,865.15 | 6.875% | No | No | Employed | Employed | US Citizen | US Citizen | $8,008.20 | 1 | $3,542.04 | $3,300.00 | $295.17 | $275.00 | 39.777% | 39.777% | 39.777% | XXXXX | 806 | 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 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.630% | $0.00 | 1.0 | None | Yes | No | 6.875% | 2 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 61.380% | No | 31 | 7 | 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 | 54.6 | No | No | $0.00 | $5,785.11 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000089452 | XXXXX | N/A | No | No | $840.87 | $840.87 | 6.875% | No | No | US Citizen | 1 | $2,311.68 | $720.72 | $192.64 | $60.06 | 0.000% | 0.000% | 0.000% | XXXXX | 765 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.1 | 0.91 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 70.41 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000089453 | XXXXX | N/A | No | No | $903.28 | $903.28 | 6.875% | No | No | US Citizen | 1 | $2,184.96 | $657.84 | $182.08 | $54.82 | 0.000% | 0.000% | 0.000% | XXXXX | 765 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.05 | 0.95 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 115.79 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000091797 | XXXXX | N/A | No | No | $7,172.34 | $2,820.36 | 6.843% | $1,675.98 | $1,675.98 | 6.750% | No | No | Employed | Not Employed | US Citizen | US Citizen | $11,289.52 | 1 | $2,306.04 | $1,884.72 | $192.17 | $157.06 | 31.035% | 31.035% | 31.035% | XXXXX | 769 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $7,172.34 | 6.570% | $3,000.00 | 1.0 | None | Yes | No | 6.750% | 2 | 0 | 2 | 0 | 2 | 2 | 0.00 | No | XXXXX | XXXXX | 58.880% | 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 | 60.17 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000088036 | XXXXX | N/A | No | No | $1,802.20 | $1,802.20 | 7.125% | No | No | US Citizen | 1 | $8,901.84 | $2,916.00 | $741.82 | $243.00 | 0.000% | 0.000% | 0.000% | XXXXX | 791 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.2 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | XXXXX | XXXXX | 38.770% | No | Yes | Final | 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 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000091768 | XXXXX | N/A | No | No | $3,662.38 | $3,662.38 | 6.875% | No | No | US Citizen | US Citizen | 1 | $14,145.72 | $2,019.60 | $1,178.81 | $168.30 | 0.000% | 0.000% | 0.000% | XXXXX | 735 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.5 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | XXXXX | XXXXX | 14.990% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 29.68 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000089451 | XXXXX | N/A | No | No | $840.87 | $840.87 | 6.875% | No | No | US Citizen | 1 | $1,753.32 | $750.12 | $146.11 | $62.51 | 0.000% | 0.000% | 0.000% | XXXXX | 765 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.2 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.05 | 0.95 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 88.5 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000092689 | XXXXX | N/A | No | No | $1,921.52 | $1,921.52 | 6.875% | No | No | 0 | US Citizen | US Citizen | 1 | $4,875.00 | $1,771.08 | $406.25 | $147.59 | 0.000% | 0.000% | 0.000% | XXXXX | 811 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 999.0 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.05 | 0.96 | XXXXX | XXXXX | 69.810% | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 53.43 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000092965 | XXXXX | N/A | No | No | $1,316.27 | $1,316.27 | 7.500% | No | No | US Citizen | 1 | $1,567.08 | $1,077.00 | $130.59 | $89.75 | 0.000% | 0.000% | 0.000% | XXXXX | 681 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | 1.0 | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.17 | 0.85 | XXXXX | 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 | 36.75 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000091717 | XXXXX | Safe Harbor QM (APOR) | Yes | No | $1,640.00 | $3,518.35 | 7.338% | $6,310.44 | $6,310.44 | 6.375% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $26,890.75 | 1 | $9,827.04 | $1,881.00 | $818.92 | $156.75 | 0.000% | 0.000% | 0.000% | XXXXX | 788 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.420% | $0.00 | 1.3 | None | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | Not Stated | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | Yes | No | Beacon 5.0 | FICO Risk Score Classic 04 | Beacon 5.0 | FICO Risk Score Classic 04 | 713.67 | No | No | $0.00 | $0.00 | No | No | No | No | 10 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000091090 | XXXXX | N/A | No | No | $1,818.48 | $1,818.48 | 6.625% | No | No | US Citizen | 1 | $5,262.60 | $1,851.00 | $438.55 | $154.25 | 0.000% | 0.000% | 0.000% | XXXXX | 793 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.03 | 0.97 | XXXXX | XXXXX | 39.510% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 13.79 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000091627 | XXXXX | Non QM | Yes | No | $1,640.00 | $3,255.30 | 6.913% | $4,471.98 | $4,471.98 | 6.875% | No | No | Employed | US Citizen | $29,247.77 | 1 | $5,619.48 | $2,430.36 | $468.29 | $202.53 | 38.078% | 38.078% | 38.078% | XXXXX | 774 | No | No | [Borrower - |
Primary Income - Wages]; Other - 2025 [Borrower - | Primary Income - Wages]; Other - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.570% | $0.00 | 2.6 | None | Yes | No | 6.875% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | No | 32 | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 104.09 | Yes | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000073464 | XXXXX | N/A | No | No | $7,921.88 | $7,921.88 | 7.500% | No | No | US Citizen | 1 | $6,437.88 | $4,575.96 | $536.49 | $381.33 | 0.000% | 0.000% | 0.000% | XXXXX | 774 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.8 | 1.24 | 240 | XXXXX | 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 | 55.43 | Yes | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000089062 | XXXXX | Non QM | Yes | No | $1,640.00 | $2,518.55 | 6.912% | $3,547.42 | $3,547.42 | 6.875% | No | No | Employed | Not Employed | US Citizen | US Citizen | $21,534.66 | 1 | $5,447.88 | $1,379.64 | $453.99 | $114.97 | 28.317% | 28.317% | 28.317% | XXXXX | 781 | 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 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.630% | $0.00 | 3.3 | None | No | No | 6.875% | 2 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | 70.450% | 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 | 76.94 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000092611 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $1,590.00 | $4,699.51 | 7.702% | $3,108.04 | $3,108.04 | 7.375% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $13,632.30 | 1 | $8,804.28 | $3,215.28 | $733.69 | $267.94 | 46.337% | 46.337% | 46.337% | XXXXX | 750 | No | No | [Borrower - |
Primary Income - Sole Proprietor]; Third Party Verification - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025 [Coborrower(s) - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Coborrower(s) - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,590.00 | 6.540% | $3,700.00 | 3.4 | LP / LPA | Accept/Eligible | No | No | 7.375% | 0 | 2 | 2 | 0 | 2 | 0 | No | Not Stated | XXXXX | XXXXX | 100.000% | 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 | 91.64 | No | No | $1,357.29 | $21,084.31 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000091170 | XXXXX | Non QM | Yes | No | $1,640.00 | $2,119.34 | 6.697% | $1,786.47 | $1,786.47 | 6.625% | No | No | Non-Employment Income | US Citizen | $2,951.70 | 1 | $5,978.52 | $2,960.40 | $498.21 | $246.70 | 0.000% | 0.000% | 0.000% | XXXXX | 809 | Yes | No | [Borrower - |
Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.630% | $0.00 | 2.0 | None | Yes | No | 6.625% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 214.95 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000092350 | XXXXX | Non QM | Yes | No | $16,018.04 | $21,832.89 | 7.730% | $5,375.56 | $5,375.56 | 7.500% | No | No | Self-Employed | US Citizen | $24,518.28 | 1 | $20,651.16 | $3,266.04 | $1,720.93 | $272.17 | 38.704% | 38.704% | 38.704% | XXXXX | 780 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2021 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $16,018.04 | 6.540% | $0.00 | 1.0 | None | N/A | No | 7.500% | 0 | 0 | 0 | 4 | 0 | 12.00 | No | XXXXX | XXXXX | 27.310% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 7.96 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000092231 | XXXXX | Higher Priced QM (APOR) | Yes | Yes | $2,101.75 | $4,506.00 | 8.452% | $1,990.32 | $1,990.32 | 7.875% | No | No | Employed | US Citizen | $4,686.64 | 1 | $4,307.52 | $2,623.44 | $358.96 | $218.62 | 41.964% | 41.964% | 41.964% | XXXXX | 713 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2025 [Borrower - | Non-Primary Income - Wages]; VVOE - 2025 [Borrower - | Non-Primary Income - Wages]; WVOE - 2025 [Borrower - | Non-Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $2,101.75 | 6.310% | $5,000.00 | 1.0 | DU | ApproveEligible | Yes | No | 7.875% | 1 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 15.740% | No | 22 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 3.01 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000093560 | XXXXX | Non QM | Yes | No | $1,640.00 | $17,076.40 | 6.461% | $7,486.44 | $7,486.44 | 6.375% | No | No | Non-Employment Income | Permanent Resident Alien | $7,152.33 | 1 | $44,448.72 | $5,012.52 | $3,704.06 | $417.71 | 0.000% | 0.000% | 0.000% | XXXXX | 812 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.320% | $5,000.00 | 2.1 | None | No | No | 6.375% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | XXXXX | XXXXX | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 230.57 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000094592 | XXXXX | N/A | No | No | $1,923.54 | $1,923.54 | 6.625% | No | No | Permanent Resident Alien | 1 | $4,733.64 | $276.00 | $394.47 | $23.00 | 0.000% | 0.000% | 0.000% | XXXXX | 789 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | No | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.9 | 1.11 | XXXXX | XXXXX | 41.750% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 21.67 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000094688 | XXXXX | Non QM | Yes | No | $1,640.00 | $8,846.56 | 6.270% | $6,783.85 | $9,520.34 | 6.250% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $29,619.55 | 1 | $21,850.32 | $4,374.96 | $1,820.86 | $364.58 | 0.000% | 0.000% | 0.000% | XXXXX | 809 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.320% | $0.00 | 3.9 | None | No | No | 6.250% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | 240 | XXXXX | XXXXX | 100.000% | No | Yes | Final | Fee Simple | Individual | Trustee | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 754.87 | Yes | No | $0.00 | $0.00 | No | No | No | No | 3 | 240 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000090154 | XXXXX | Non QM | Yes | No | $1,640.00 | $9,571.06 | 6.644% | $8,400.88 | $8,400.88 | 6.625% | No | No | Employed | Employed | US Citizen | US Citizen | $15,364.70 | 1 | $16,171.92 | $321.00 | $1,347.66 | $26.75 | 42.020% | 42.020% | 42.020% | XXXXX | 797 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.610% | $10,000.00 | 2.1 | None | No | No | 6.625% | 2 | 1 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | 34.870% | No | 31 | 9 | 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 | 22.72 | Yes | No | $0.00 | $19,000.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000094245 | XXXXX | Higher Priced QM (APOR) | Yes | Yes | $6,293.75 | $8,021.09 | 7.924% | $1,849.36 | $1,849.36 | 7.125% | No | No | Employed | Employed | US Citizen | US Citizen | $13,979.06 | 1 | $5,714.04 | $6,196.32 | $476.17 | $516.36 | 39.591% | 39.591% | 39.591% | XXXXX | 667 | No | No | [Borrower - |
Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $6,293.75 | 6.320% | $0.00 | 1.3 | DU | ApproveEligible | Yes | No | 7.125% | 2 | 1 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 23.150% | No | 33 | 8 | 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 | 8.66 | No | No | $0.00 | $8,411.69 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000095449 | XXXXX | N/A | No | No | $7,591.15 | $7,591.15 | 6.625% | No | No | US Citizen | US Citizen | 1 | $32,459.52 | $2,889.00 | $2,704.96 | $240.75 | 0.000% | 0.000% | 0.000% | XXXXX | 777 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 4.4 | No | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.79 | 1.27 | 240 | XXXXX | XXXXX | 63.400% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 21.11 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000091609 | XXXXX | N/A | No | No | $2,516.04 | $2,516.04 | 6.875% | No | No | Permanent Resident Alien | 1 | $10,034.76 | $1,014.00 | $836.23 | $84.50 | 0.000% | 0.000% | 0.000% | XXXXX | 809 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.2 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.02 | 0.98 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 5.05 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000092354 | XXXXX | N/A | No | No | $1,510.94 | $1,510.94 | 6.875% | No | No | US Citizen | 1 | $2,826.96 | $2,265.96 | $235.58 | $188.83 | 0.000% | 0.000% | 0.000% | XXXXX | 762 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.1 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.03 | 0.97 | XXXXX | XXXXX | 73.500% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 116.58 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000091741 | XXXXX | Non QM | Yes | No | $1,640.00 | $7,245.74 | 6.647% | $6,992.20 | $6,992.20 | 6.625% | No | No | Employed | Employed | US Citizen | US Citizen | $29,081.21 | 1 | $21,139.08 | $5,217.00 | $1,761.59 | $434.75 | 31.073% | 31.073% | 31.073% | XXXXX | 753 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.570% | $0.00 | 1.0 | None | Yes | No | 6.625% | 2 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 72.300% | No | 19 | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 74.02 | Yes | No | $0.00 | $20,725.38 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000096051 | XXXXX | N/A | No | No | $4,083.47 | $4,083.47 | 6.875% | No | No | US Citizen | $0.00 | $2,866.44 | $238.87 | 0.000% | 0.000% | 0.000% | XXXXX | 722 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.33 | 0.75 | 240 | XXXXX | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 1588.12 | Yes | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000093766 | XXXXX | N/A | No | No | $1,657.62 | $1,657.62 | 7.375% | No | No | US Citizen | 1 | $3,153.12 | $1,382.64 | $262.76 | $115.22 | 0.000% | 0.000% | 0.000% | XXXXX | 778 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.1 | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.99 | 1.01 | XXXXX | XXXXX | 26.890% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 25.21 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000092892 | XXXXX | N/A | No | No | $5,428.20 | $5,428.20 | 6.875% | No | No | US Citizen | 1 | $10,476.84 | $3,790.32 | $873.07 | $315.86 | 0.000% | 0.000% | 0.000% | XXXXX | 808 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.9 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.13 | 0.89 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 9.91 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000090438 | XXXXX | N/A | No | No | $902.84 | $902.84 | 6.625% | No | No | US Citizen | 1 | $2,185.08 | $956.52 | $182.09 | $79.71 | 0.000% | 0.000% | 0.000% | XXXXX | 767 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.24 | 0.81 | XXXXX | XXXXX | 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 | 49.2 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000091773 | XXXXX | N/A | No | No | $972.90 | $972.90 | 6.750% | No | No | US Citizen | 1 | $4,474.32 | $2,037.96 | $372.86 | $169.83 | 0.000% | 0.000% | 0.000% | XXXXX | 812 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.45 | 0.69 | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 96.01 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000091870 | XXXXX | Non QM | Yes | No | $1,640.00 | $4,099.10 | 6.692% | $2,353.14 | $2,353.14 | 6.625% | No | No | Employed | US Citizen | $3,940.51 | 1 | $5,337.00 | $1,789.08 | $444.75 | $149.09 | 44.706% | 44.706% | 44.706% | XXXXX | 761 | No | No | [Borrower - |
Primary Income - Wages]; Employer Letter - 2025 [Borrower - | Primary Income - Wages]; Other - 2025 [Borrower - | Primary Income - Wages]; Other - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.570% | $126,000.00 | 3.0 | None | Yes | No | 6.625% | 0 | 2 | 0 | 2 | 2 | 0.00 | No | XXXXX | XXXXX | 4.950% | No | 7 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 7.28 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000092506 | XXXXX | Non QM | Yes | No | $1,640.00 | $11,247.52 | 6.647% | $10,731.61 | $10,731.61 | 6.625% | No | No | Employed | US Citizen | $20,101.58 | 1 | $31,307.52 | $5,046.00 | $2,608.96 | $420.50 | 43.243% | 43.243% | 43.243% | XXXXX | 786 | No | No | [Borrower - |
Primary Income - Wages]; Other - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.540% | $0.00 | 1.0 | None | Yes | No | 6.625% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 42.910% | No | 32 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 37.05 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000090681 | XXXXX | Non QM | Yes | No | $4,490.00 | $10,964.16 | 6.677% | $7,299.54 | $7,299.54 | 6.625% | No | No | Employed | Employed | US Citizen | US Citizen | $13,478.03 | 1 | $30,101.04 | $5,538.00 | $2,508.42 | $461.50 | 53.225% | 53.225% | 53.225% | XXXXX | 799 | No | No | [Borrower - |
Primary Income - Wages]; Employer Letter - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; VVOE - 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 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $4,490.00 | 6.220% | $0.00 | 3.5 | None | No | No | 6.625% | 0 | 2 | 2 | 0 | 2 | 1 | 0.00 | No | XXXXX | XXXXX | 56.100% | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 41.94 | No | No | $0.00 | $7,981.25 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000098078 | XXXXX | N/A | No | No | $2,009.86 | $2,009.86 | 7.375% | No | No | 0 | US Citizen | US Citizen | 1 | $9,524.16 | $2,264.16 | $793.68 | $188.68 | 0.000% | 0.000% | 0.000% | XXXXX | 775 | Level 2-Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 3.7 | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.75 | 1.33 | XXXXX | 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 | 90.48 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000098115 | XXXXX | Non QM | Yes | No | $5,865.00 | $8,894.71 | 7.937% | $3,062.66 | $3,062.66 | 7.750% | No | No | Self-Employed | US Citizen | $17,192.98 | 1 | $4,432.56 | $1,058.04 | $369.38 | $88.17 | 21.566% | 21.566% | 21.566% | XXXXX | 741 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | 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]; Other - 2016 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $5,865.00 | 6.770% | $0.00 | 1.0 | None | No | No | 7.750% | 0 | 0 | 0 | 2 | 0 | 24 | 0.00 | No | XXXXX | XXXXX | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 12.99 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000098069 | XXXXX | N/A | No | No | $2,134.19 | $2,134.19 | 7.375% | No | No | 0 | US Citizen | US Citizen | 1 | $13,229.64 | $1,937.04 | $1,102.47 | $161.42 | 0.000% | 0.000% | 0.000% | XXXXX | 775 | Level 2-Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.9 | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.8 | 1.26 | XXXXX | 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 | 83.47 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000091617 | XXXXX | Non QM | Yes | No | $1,640.00 | $4,747.82 | 6.630% | $1,725.55 | $1,725.55 | 6.500% | No | No | Employed | Employed | US Citizen | US Citizen | $20,281.28 | 1 | $5,071.92 | $1,398.72 | $422.66 | $116.56 | 32.396% | 32.396% | 32.396% | XXXXX | 792 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.220% | $0.00 | 1.0 | None | No | No | 6.500% | 2 | 0 | 2 | 0 | 2 | 2 | 0.00 | No | XXXXX | XXXXX | 78.850% | No | 31 | 19 | 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 | 68.57 | No | No | $0.00 | $15,833.33 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000094040 | XXXXX | N/A | No | No | $1,216.55 | $1,216.55 | 6.375% | No | No | US Citizen | 1 | $6,825.48 | $1,162.80 | $568.79 | $96.90 | 0.000% | 0.000% | 0.000% | XXXXX | 809 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.04 | 0.96 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 96.4 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000091794 | XXXXX | N/A | No | No | $905.48 | $905.48 | 7.500% | No | No | US Citizen | 1 | $1,890.72 | $684.00 | $157.56 | $57.00 | 0.000% | 0.000% | 0.000% | XXXXX | 700 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 3.2 | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.36 | 0.73 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 107.02 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000094360 | XXXXX | Non QM | Yes | No | $19,626.28 | $11,372.26 | 7.747% | $4,501.57 | $4,501.57 | 7.625% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $11,047.17 | 1 | $11,148.36 | $3,417.00 | $929.03 | $284.75 | 37.596% | 37.596% | 37.596% | XXXXX | 730 | 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]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $19,626.28 | 6.320% | $21,764.92 | 2.3 | None | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 20.500% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | Yes | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 6.56 | No | $8,851.26 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000098387 | XXXXX | N/A | No | No | $2,791.16 | $2,791.16 | 8.500% | No | No | US Citizen | US Citizen | 1 | $2,629.08 | $1,722.00 | $219.09 | $143.50 | 0.000% | 0.000% | 0.000% | XXXXX | 768 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | 1.0 | Yes | No | 8.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.72 | 1.38 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 1700.01 | Yes | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000097962 | XXXXX | N/A | No | No | $9,358.05 | $9,358.05 | 6.375% | No | No | US Citizen | US Citizen | 1 | $22,769.76 | $2,562.96 | $1,897.48 | $213.58 | 0.000% | 0.000% | 0.000% | XXXXX | 743 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.77 | 1.3 | XXXXX | XXXXX | 45.860% | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 6.56 | Yes | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000095244 | XXXXX | N/A | No | No | $891.50 | $891.50 | 7.500% | No | No | 0 | US Citizen | US Citizen | 1 | $3,275.64 | $2,468.40 | $272.97 | $205.70 | 0.000% | 0.000% | 0.000% | XXXXX | 795 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.95 | 1.05 | XXXXX | XXXXX | 37.670% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 9.82 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000093944 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $3,345.40 | $6,097.98 | 7.300% | $3,592.63 | $3,592.63 | 7.000% | No | No | Employed | Employed | US Citizen | US Citizen | $14,255.58 | 1 | $4,730.64 | $2,727.96 | $394.22 | $227.33 | 39.066% | 39.066% | 39.066% | XXXXX | 772 | No | No | [Borrower - |
Primary Income - Projected Income]; Employment Offer - 2025 [Borrower - | Primary Income - Projected Income]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $3,345.40 | 6.320% | $0.00 | 2.0 | DU | ApproveEligible | Yes | No | 7.000% | 0 | 1 | 2 | 0 | 3 | 1 | 0.00 | No | Not Stated | XXXXX | XXXXX | 29.080% | No | 4 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 24.38 | No | No | $0.00 | $7,083.34 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000093384 | XXXXX | N/A | No | No | $2,379.20 | $11,900.59 | 7.024% | $11,177.08 | $11,177.08 | 7.000% | No | No | Self-Employed | US Citizen | $22,242.95 | 1 | $6,698.04 | $5,090.76 | $558.17 | $424.23 | 48.715% | 48.715% | 48.715% | XXXXX | 811 | No | Yes | 24 | Personal | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $2,379.20 | 6.540% | $0.00 | 2.3 | None | No | No | 7.000% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 42.990% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 29.67 | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000095561 | XXXXX | N/A | No | No | $1,311.19 | $1,311.19 | 7.625% | No | No | US Citizen | 1 | $4,671.00 | $1,262.40 | $389.25 | $105.20 | 0.000% | 0.000% | 0.000% | XXXXX | 681 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.3 | No | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.02 | 0.98 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 96.48 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000093431 | XXXXX | Non QM | Yes | No | $1,640.00 | $3,419.21 | 6.724% | $1,546.35 | $1,546.35 | 6.625% | No | No | Employed | Not Employed | US Citizen | US Citizen | $27,702.16 | 1 | $4,407.72 | $1,152.00 | $367.31 | $96.00 | 19.306% | 19.306% | 19.306% | XXXXX | 811 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 4506-C - 2022 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.320% | $0.00 | 4.1 | None | Yes | No | 6.625% | 1 | 0 | 2 | 0 | 3 | 2 | 0.00 | No | XXXXX | XXXXX | 100.000% | No | 33 | 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 | 149.05 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000094498 | XXXXX | Non QM | Yes | No | $1,690.00 | $5,196.22 | 8.028% | $5,156.89 | $6,166.44 | 8.734% | No | No | Employed | Employed | US Citizen | US Citizen | $17,417.69 | 1 | $7,046.40 | $5,619.24 | $587.20 | $468.27 | 41.132% | 41.008% | 41.132% | XXXXX | 726 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - No Results Returned - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,690.00 | 6.720% | $6,000.00 | 3.7 | None | Yes | No | 8.734% | 1 | 1 | 1 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | 15.810% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 27.11 | No | No | $0.00 | $16,283.34 | No | No | No | No | 5 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000098000 | XXXXX | N/A | No | No | $8,651.75 | $8,651.75 | 6.875% | No | No | US Citizen | 1 | $11,349.96 | $2,649.00 | $945.83 | $220.75 | 0.000% | 0.000% | 0.000% | XXXXX | 744 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.75 | 1.33 | XXXXX | No | Yes | Preliminary | 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 | 16.2 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000088595 | XXXXX | N/A | No | No | $1,241.11 | $1,241.11 | 7.500% | No | No | US Citizen | 1 | $3,678.60 | $1,460.04 | $306.55 | $121.67 | 0.000% | 0.000% | 0.000% | XXXXX | 734 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.9 | 1.11 | XXXXX | 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 | 96.78 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000095079 | XXXXX | N/A | No | No | $3,723.96 | $3,723.96 | 6.875% | No | No | US Citizen | 1 | $12,500.04 | $2,078.04 | $1,041.67 | $173.17 | 0.000% | 0.000% | 0.000% | XXXXX | 805 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.04 | 0.96 | 240 | XXXXX | XXXXX | 27.360% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 13.5 | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000086990 | XXXXX | Non QM | Yes | No | $5,135.00 | $9,720.72 | 7.454% | $5,967.70 | $6,963.28 | 8.191% | No | No | Employed | Employed | US Citizen | US Citizen | $30,892.81 | 1 | $4,941.12 | $4,445.04 | $411.76 | $370.42 | 41.016% | 39.115% | 41.016% | XXXXX | 763 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $5,135.00 | 6.500% | $3,500.00 | 1.0 | None | Yes | No | 8.191% | 1 | 1 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 38.540% | No | 16 | 13 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 27.11 | No | No | $0.00 | $9,250.02 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000097325 | XXXXX | N/A | No | No | $4,056.54 | $4,056.54 | 6.875% | No | No | Permanent Resident Alien | 1 | $11,874.96 | $1,544.52 | $989.58 | $128.71 | 0.000% | 0.000% | 0.000% | XXXXX | 711 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.77 | 1.3 | XXXXX | XXXXX | 64.690% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 43.59 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000097500 | XXXXX | N/A | No | No | $3,703.75 | $3,703.75 | 7.375% | No | No | US Citizen | US Citizen | 1 | $6,482.04 | $2,290.20 | $540.17 | $190.85 | 0.000% | 0.000% | 0.000% | XXXXX | 788 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.76 | 1.31 | XXXXX | XXXXX | 75.480% | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 76.87 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 5 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000092818 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $7,624.07 | $8,746.66 | 7.614% | $2,547.93 | $2,547.93 | 7.250% | No | No | Employed | Employed | US Citizen | US Citizen | $20,204.24 | 1 | $2,055.00 | $2,275.32 | $171.25 | $189.61 | 20.495% | 20.495% | 20.495% | XXXXX | 789 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; Year End Summary - 2024 [Borrower - | Primary Income - Wages]; Year End Summary - 2023 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $7,624.07 | 6.540% | $600.00 | 3.1 | LP / LPA | Accept/Eligible | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 22.840% | No | 32 | 32 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Beacon 5.0 | FICO Risk Score Classic 04 | 14.24 | No | No | $0.00 | $7,520.93 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000093027 | XXXXX | N/A | No | No | $754.07 | $754.07 | 7.875% | No | No | US Citizen | 1 | $3,172.56 | $2,135.04 | $264.38 | $177.92 | 0.000% | 0.000% | 0.000% | XXXXX | 696 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.25 | 0.8 | XXXXX | 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 | 77.87 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000096423 | XXXXX | N/A | No | No | $5,474.75 | $7,813.30 | 9.069% | $2,744.97 | $2,744.97 | 8.875% | No | No | Self-Employed | US Citizen | $23,038.36 | 1 | $6,435.96 | $2,636.88 | $536.33 | $219.74 | 47.889% | 47.889% | 47.889% | XXXXX | 673 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $5,474.75 | 6.220% | $0.00 | None | N/A | No | 8.875% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | XXXXX | XXXXX | 27.790% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 11.98 | No | No | $0.00 | $0.00 | No | No | No | No | 7 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000094330 | XXXXX | N/A | No | No | $2,184.29 | $2,184.29 | 6.875% | No | No | US Citizen | US Citizen | 1 | $5,334.84 | $1,998.48 | $444.57 | $166.54 | 0.000% | 0.000% | 0.000% | XXXXX | 780 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.2 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.04 | 0.96 | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 237.25 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000093531 | XXXXX | N/A | No | No | $3,790.00 | $7,573.94 | 7.559% | $1,432.57 | $1,432.57 | 7.250% | No | No | Self-Employed | Non-Permanent Resident Alien | XXXX | $43,116.23 | 1 | $5,158.32 | $870.96 | $429.86 | $72.58 | 10.939% | 10.939% | 10.939% | XXXXX | 770 | 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]; Telephone Listing / Internet Search / Directory Assistance - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $3,790.00 | 6.320% | $0.00 | 2.6 | None | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 16.660% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Employment Authorization | 9.81 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000096856 | XXXXX | N/A | No | No | $13,262.81 | $13,262.81 | 7.000% | No | No | US Citizen | 1 | $63,298.08 | $20,933.76 | $5,274.84 | $1,744.48 | 0.000% | 0.000% | 0.000% | XXXXX | 769 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | 5.0 | No | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | XXXXX | XXXXX | 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 | 130.52 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000093645 | XXXXX | N/A | No | No | $1,880.79 | $1,880.79 | 6.875% | No | No | 0 | US Citizen | US Citizen | 1 | $6,282.96 | $1,554.96 | $523.58 | $129.58 | 0.000% | 0.000% | 0.000% | XXXXX | 812 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.9 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 129.11 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000185 | N/A | No | No | $2,283.97 | $2,283.97 | 7.875% | No | No | US Citizen | 1 | $1,517.28 | $1,496.64 | $126.44 | $124.72 | 0.000% | 0.000% | 0.000% | XXXXX | 775 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.99 | 1.01 | XXXXX | XXXXX | 7.170% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 47.58 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000092988 | XXXXX | Non QM | Yes | No | $1,640.00 | $6,756.35 | 6.640% | $12,733.24 | $12,733.24 | 6.625% | No | No | Non-Employment Income | US Citizen | $115,640.56 | 1 | $16,773.72 | $4,175.04 | $1,397.81 | $347.92 | 11.727% | 11.727% | 11.727% | XXXXX | 789 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.540% | $0.00 | 3.8 | None | Yes | No | 6.625% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 760.51 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000097919 | XXXXX | Non QM | Yes | No | $1,640.00 | $4,781.98 | 6.683% | $3,739.42 | $3,739.42 | 6.625% | No | No | Non-Employment Income | US Citizen | $13,946.81 | 1 | $4,980.84 | $660.96 | $415.07 | $55.08 | 0.000% | 0.000% | 0.000% | XXXXX | 811 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.310% | $0.00 | None | No | No | 6.625% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 437.03 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000096447 | XXXXX | Non QM | Yes | No | $1,640.00 | $2,776.00 | 6.671% | $2,689.31 | $2,689.31 | 6.625% | No | No | Non-Employment Income | US Citizen | $10,702.25 | 1 | $5,001.96 | $3,849.96 | $416.83 | $320.83 | 0.000% | 0.000% | 0.000% | XXXXX | 731 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.310% | $0.00 | 1.9 | None | No | No | 6.625% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 495.71 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000095838 | XXXXX | N/A | No | No | $2,027.02 | $2,027.02 | 8.000% | No | No | US Citizen | 1 | $5,666.40 | $3,593.28 | $472.20 | $299.44 | 0.000% | 0.000% | 0.000% | XXXXX | 732 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.4 | N/A | No | 8.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | XXXXX | 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 | 95.54 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000097396 | XXXXX | N/A | No | No | $943.94 | $943.94 | 7.500% | No | No | Permanent Resident Alien | 1 | $2,213.64 | $1,242.12 | $184.47 | $103.51 | 0.000% | 0.000% | 0.000% | XXXXX | 728 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 3.5 | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.22 | 0.82 | XXXXX | 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 | 102.43 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000088202 | XXXXX | N/A | No | No | $716.41 | $716.41 | 7.750% | No | No | US Citizen | 1 | $4,647.84 | $2,149.44 | $387.32 | $179.12 | 0.000% | 0.000% | 0.000% | XXXXX | 746 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.71 | 0.58 | XXXXX | XXXXX | 28.260% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 28.89 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000092605 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $1,790.00 | $3,756.16 | 6.920% | $4,631.35 | $4,631.35 | 6.875% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $8,804.93 | 1 | $5,007.00 | $944.04 | $417.25 | $78.67 | 45.210% | 45.210% | 45.210% | XXXXX | 777 | No | No | [Borrower - |
Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,790.00 | 6.540% | $0.00 | 3.1 | DU | ApproveEligible | No | No | 6.875% | 0 | 0 | 1 | 0 | 2 | 1 | No | Not Stated | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 38.4 | No | $5,813.83 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000099321 | XXXXX | N/A | No | No | $3,003.06 | $3,003.06 | 6.625% | No | No | US Citizen | 1 | $18,463.80 | $6,027.00 | $1,538.65 | $502.25 | 0.000% | 0.000% | 0.000% | XXXXX | 754 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.6 | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.69 | 1.46 | XXXXX | XXXXX | 16.850% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 14.36 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000096298 | XXXXX | Non QM | Yes | No | $1,640.00 | $0.00 | 6.609% | $3,713.80 | $3,713.80 | 6.625% | No | No | Employed | Not Employed | US Citizen | US Citizen | $19,274.82 | 1 | $5,187.12 | $1,717.80 | $432.26 | $143.15 | 40.351% | 40.351% | 40.351% | XXXXX | 765 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.310% | $15,000.00 | 1.4 | None | Yes | No | 6.625% | 2 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 100.000% | No | 26 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 137.21 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000098071 | XXXXX | N/A | No | No | $1,712.03 | $1,712.03 | 6.625% | No | No | US Citizen | US Citizen | 1 | $4,335.12 | $1,314.00 | $361.26 | $109.50 | 0.000% | 0.000% | 0.000% | XXXXX | 805 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.96 | 1.04 | XXXXX | XXXXX | 76.480% | 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 | 71.47 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000098315 | XXXXX | N/A | No | No | $3,451.33 | $3,451.33 | 7.875% | No | No | Permanent Resident Alien | 1 | $8,172.00 | $329.04 | $681.00 | $27.42 | 0.000% | 0.000% | 0.000% | XXXXX | 773 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.57 | 1.76 | XXXXX | XXXXX | 39.270% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 3.82 | Yes | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000099203 | XXXXX | N/A | No | No | $2,066.45 | $2,066.45 | 7.875% | No | No | 0 | US Citizen | US Citizen | 1 | $2,924.40 | $1,179.96 | $243.70 | $98.33 | 0.000% | 0.000% | 0.000% | XXXXX | 750 | Level 2-Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.95 | 1.05 | XXXXX | 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 | 114.97 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000097294 | XXXXX | N/A | No | No | $5,350.93 | $5,350.93 | 6.750% | No | No | 0 | US Citizen | US Citizen | 1 | $7,710.84 | $3,881.04 | $642.57 | $323.42 | 0.000% | 0.000% | 0.000% | XXXXX | 778 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.2 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.73 | 0.58 | XXXXX | XXXXX | 34.660% | 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 | 10.8 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000098307 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $7,285.00 | $7,221.73 | 7.361% | $3,872.60 | $3,872.60 | 6.875% | No | No | Employed | Permanent Resident Alien | $18,247.38 | 1 | $2,483.16 | $8,689.32 | $206.93 | $724.11 | 43.456% | 43.456% | 43.456% | XXXXX | 696 | No | No | [Borrower - |
Primary Income - Wages]; Employer Letter - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 [Borrower - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $7,285.00 | 6.310% | $19,090.00 | 1.0 | DU | ApproveEligible | N/A | No | 6.875% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 12.760% | No | 31 | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | Yes | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Employment Authorization | 10.78 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000096278 | XXXXX | N/A | No | No | $873.21 | $873.21 | 7.000% | No | No | US Citizen | 1 | $2,172.00 | $843.96 | $181.00 | $70.33 | 0.000% | 0.000% | 0.000% | XXXXX | 742 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.16 | 0.87 | XXXXX | XXXXX | 15.400% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 40.15 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000096498 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $0.00 | $966.49 | 7.559% | $4,473.50 | $4,473.50 | 7.375% | No | No | Employed | US Citizen | $21,383.29 | 1 | $3,987.72 | $15,542.76 | $332.31 | $1,295.23 | 39.688% | 39.688% | 39.688% | XXXXX | 795 | No | No | [Borrower - |
Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 |
Full Documentation (F) | Full Doc 1yr - AUS | 0 | 0 | 0 | No | XXXXX | 6.310% | $0.00 | DU | Yes | ApproveEligible | N/A | No | 7.375% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | No | 33 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 117.35 | No | No | $0.00 | $0.00 | No | No | No | No | 5 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000094696 | XXXXX | N/A | No | Yes | $0.00 | 5.872% | $1,966.86 | $1,966.86 | 5.875% | No | No | Not Employed | Self-Employed | US Citizen | US Citizen | $8,660.25 | 1 | $8,412.36 | $4,794.96 | $701.03 | $399.58 | 36.445% | 36.445% | 36.445% | XXXXX | 754 | No | No | [Coborrower(s) - |
Primary Income - Sole Proprietor]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; Other - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.160% | $0.00 | 1.2 | LP / LPA | Accept/Eligible | No | No | 5.875% | 0 | 0 | 2 | 0 | 2 | 0 | 0.00 | No | XXXXX | 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 | 48.09 | No | No | $13,626.29 | $0.00 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000093926 | XXXXX | Non QM | Yes | No | $1,590.00 | $3,123.85 | 8.178% | $1,403.73 | $1,444.49 | 8.177% | No | No | Employed | US Citizen | $4,286.65 | 1 | $0.00 | $523.08 | $0.00 | $43.59 | 48.538% | 51.058% | 48.538% | XXXXX | 744 | No | No | [Borrower - |
Primary Income - Wages]; Employer Letter - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,590.00 | 6.720% | $0.00 | None | N/A | No | 8.177% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | No | 7 | Yes | Shares/Stock/Ownership (Co-op) | Leasehold | Individual | Individual | No | Individual | Yes | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 80.57 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000098853 | XXXXX | N/A | No | No | $2,844.31 | $2,844.31 | 6.500% | No | No | US Citizen | 1 | $6,524.28 | $1,230.00 | $543.69 | $102.50 | 0.000% | 0.000% | 0.000% | XXXXX | 784 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.26 | 0.79 | XXXXX | XXXXX | 79.720% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 68.1 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000093191 | XXXXX | N/A | No | No | $2,167.87 | $2,167.87 | 6.875% | No | No | US Citizen | 1 | $7,136.28 | $1,223.04 | $594.69 | $101.92 | 0.000% | 0.000% | 0.000% | XXXXX | 771 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.77 | 1.31 | XXXXX | 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 | 27.68 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000096187 | XXXXX | Higher Priced QM (APOR) | Yes | Yes | $6,250.77 | $6,947.91 | 7.977% | $2,863.28 | $2,863.28 | 7.500% | No | No | Employed | Non-Employment Income | US Citizen | US Citizen | $15,838.54 | 1 | $2,247.60 | $2,916.00 | $187.30 | $243.00 | 37.776% | 37.776% | 37.776% | XXXXX | 702 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 - 2022 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $6,250.77 | 6.310% | $0.00 | 1.4 | DU | ApproveEligible | Yes | No | 7.500% | 3 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 25.410% | No | 32 | 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 | 17.4 | No | No | $926.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000095558 | XXXXX | N/A | No | No | $1,487.50 | $1,487.50 | 7.000% | No | No | US Citizen | 1 | $1,350.36 | $2,040.00 | $112.53 | $170.00 | 0.000% | 0.000% | 0.000% | XXXXX | 723 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | No | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.07 | 0.93 | 240 | XXXXX | XXXXX | 6.110% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 9.32 | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000095781 | XXXXX | Higher Priced QM (APOR) | Yes | Yes | $2,936.88 | $730.52 | 8.279% | $2,674.57 | $2,674.57 | 8.000% | No | No | Self-Employed | Permanent Resident Alien | $14,119.54 | 1 | $4,783.44 | $2,044.80 | $398.62 | $170.40 | 30.480% | 30.480% | 30.480% | XXXXX | 798 | No | No | [Borrower - |
Primary Income - S-Corp (>= 25%)]; Other - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; Transcripts (1040) - 2022 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $2,936.88 | 6.220% | $12,150.00 | 1.0 | DU | ApproveEligible | Yes | No | 8.000% | 2 | 2 | 0 | 3 | 3 | No | Not Stated | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 303.47 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000092994 | XXXXX | Non QM | Yes | No | $2,663.07 | $5,674.63 | 7.083% | $1,727.72 | $1,727.72 | 6.875% | No | No | Non-Employment Income | US Citizen | $3,247.39 | 1 | $5,285.76 | $685.44 | $440.48 | $57.12 | 0.000% | 0.000% | 0.000% | XXXXX | 814 | Yes | No | [Borrower - |
Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | No | XXXXX | $2,663.07 | 6.540% | $60,000.00 | 4.1 | None | No | No | 6.875% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | XXXXX | XXXXX | 5.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 216.55 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000096262 | XXXXX | N/A | No | No | $1,139.75 | $1,139.75 | 6.625% | No | No | US Citizen | 1 | $2,425.32 | $1,836.96 | $202.11 | $153.08 | 0.000% | 0.000% | 0.000% | XXXXX | 726 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.65 | 1.54 | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 39.69 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000095692 | XXXXX | N/A | No | Yes | $0.00 | 6.623% | $2,004.17 | $2,004.17 | 6.625% | No | No | Employed | Employed | Not Employed | 0 | US Citizen | US Citizen | US Citizen | $21,074.67 | 1 | $2,680.80 | $882.96 | $223.40 | $73.58 | 41.940% | 41.940% | 41.940% | XXXXX | 715 | 749 | 715 | 697 | Level 4-Stated/Verified as defined | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | No | No | [Borrower - |
Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022 [Borrower - | Primary Income - Wages]; Other - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Non-Primary Income - K-1 (< 25%)]; Third Party Verification - 2025 [Coborrower(s) - | Non-Primary Income - K-1 (< 25%)]; 1120S - 2024 [Coborrower(s) - | Non-Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2024 [Coborrower(s) - | Non-Primary Income - K-1 (< 25%)]; K-1 - 2024 [Coborrower(s) - | Non-Primary Income - K-1 (< 25%)]; 1120S - 2023 [Coborrower(s) - | Non-Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2023 [Coborrower(s) - | Non-Primary Income - K-1 (< 25%)]; K-1 - 2023 [Coborrower(s) - | Non-Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2022 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.220% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.625% | 2 | 2 | 2 | 0 | 2 | 2 | 0.00 | No | XXXXX | XXXXX | No | 32 | 26 | Yes | Commitment | Fee Simple | Individual | Individual | 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 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 51.68 | No | No | ($196.40) | $27,276.42 | No | No | No | No | 5 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000099204 | XXXXX | N/A | No | No | $5,435.30 | $9,585.99 | 6.293% | $6,316.52 | $6,316.52 | 6.250% | No | No | Not Employed | Self-Employed | US Citizen | $87,059.25 | 1 | $21,357.36 | $4,278.96 | $1,779.78 | $356.58 | 8.572% | 8.572% | 8.572% | XXXXX | 786 | No | Yes | 12 | Business | 100.000% | 40.000% | [Coborrower(s) - |
Primary Income - Bank Statements | % of Business Ownership: 40.00% | Expense
Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 40.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 40.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 40.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 40.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2020 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $5,435.30 | 6.240% | $37,350.00 | 1.2 | None | N/A | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 9.660% | 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 | 11.49 | No | $95,221.13 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000098817 | XXXXX | N/A | No | No | $2,627.72 | $2,627.72 | 6.875% | No | No | US Citizen | 2 | $15,557.04 | $1,877.04 | $1,296.42 | $156.42 | 0.000% | 0.000% | 0.000% | XXXXX | 777 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.27 | 0.78 | XXXXX | XXXXX | 67.550% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 31.23 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000089220 | XXXXX | N/A | No | No | $1,775.34 | $1,775.34 | 6.875% | No | No | US Citizen | 1 | $11,334.60 | $1,875.96 | $944.55 | $156.33 | 0.000% | 0.000% | 0.000% | XXXXX | 727 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.77 | 1.3 | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 65.76 | No | $0.00 | $0.00 | No | No | No | No | 1 | 180 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000097453 | XXXXX | Non QM | Yes | No | $1,790.06 | $4,687.24 | 6.771% | $1,960.95 | $1,960.95 | 6.625% | No | No | Employed | US Citizen | $4,029.15 | 1 | $8,104.92 | $1,397.40 | $675.41 | $116.45 | 44.140% | 44.140% | 44.140% | XXXXX | 807 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,790.06 | 6.310% | $0.00 | 1.0 | None | Yes | No | 6.625% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 47.770% | No | 34 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 39.07 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000096998 | XXXXX | Higher Priced QM (APOR) | Yes | Yes | $1,590.00 | $2,602.92 | 8.299% | $972.32 | $972.32 | 7.875% | No | No | Employed | US Citizen | $9,856.99 | 1 | $3,068.40 | $1,920.24 | $255.70 | $160.02 | 42.479% | 42.479% | 42.479% | XXXXX | 772 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,590.00 | 6.310% | $620.00 | 1.0 | LP / LPA | Accept/Eligible | Yes | No | 7.875% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 100.000% | 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 | 96.26 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000099534 | XXXXX | Non QM | Yes | No | $7,755.00 | $12,891.60 | 8.012% | $3,893.54 | $4,882.92 | 8.834% | No | No | Self-Employed | Non-Permanent Resident Alien | XXXX | $8,098.52 | 1 | $15,733.32 | $1,268.04 | $1,311.11 | $105.67 | 43.901% | 42.242% | 43.901% | XXXXX | 755 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2025 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | Yes | XXXXX | $7,755.00 | 7.060% | $0.00 | None | N/A | No | 8.834% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | XXXXX | 35.860% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Employment Authorization | 2.66 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000096460 | XXXXX | N/A | No | No | $2,261.26 | $2,261.26 | 7.500% | No | No | US Citizen | 1 | $6,313.92 | $7,992.96 | $526.16 | $666.08 | 0.000% | 0.000% | 0.000% | XXXXX | 693 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.5 | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.63 | 0.61 | XXXXX | XXXXX | 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 | 37.25 | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100818 | XXXXX | Non QM | Yes | No | $13,830.40 | $8,059.20 | 7.862% | $2,267.77 | $2,267.77 | 7.625% | No | No | Employed | US Citizen | $5,953.32 | 1 | $1,065.84 | $1,975.08 | $88.82 | $164.59 | 29.957% | 29.957% | 29.957% | XXXXX | 796 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $13,830.40 | 6.240% | $60,000.00 | None | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 19.660% | No | 12 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 20.55 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000097623 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $4,925.00 | $8,765.33 | 7.951% | $2,521.77 | $2,521.77 | 7.750% | No | No | Self-Employed | Non-Permanent Resident Alien | XXXX | $5,330.22 | 1 | $10,247.52 | $1,445.04 | $853.96 | $120.42 | 39.665% | 39.665% | 39.665% | XXXXX | 746 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $4,925.00 | 6.310% | $24,200.00 | 1.0 | None | N/A | No | 7.750% | 0 | 0 | 0 | 3 | 0 | 12.00 | No | XXXXX | XXXXX | 24.990% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Employment Authorization | 10.29 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000099237 | XXXXX | N/A | No | No | $2,448.94 | $2,448.94 | 6.624% | No | No | US Citizen | 1 | $7,754.88 | $867.00 | $646.24 | $72.25 | 0.000% | 0.000% | 0.000% | XXXXX | 784 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 6.624% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.02 | 0.98 | XXXXX | XXXXX | 64.020% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 50.45 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101212 | XXXXX | N/A | No | No | $2,684.98 | $2,684.98 | 7.500% | No | No | US Citizen | 1 | $3,878.76 | $698.04 | $323.23 | $58.17 | 0.000% | 0.000% | 0.000% | XXXXX | 732 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.6 | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.23 | 0.82 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 19.56 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000098886 | XXXXX | N/A | No | No | $1,182.47 | $1,182.47 | 6.875% | No | No | US Citizen | 1 | $3,413.04 | $848.04 | $284.42 | $70.67 | 0.000% | 0.000% | 0.000% | XXXXX | 756 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.85 | 1.18 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 109.81 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000097801 | XXXXX | N/A | No | No | $730.70 | $730.70 | 8.875% | No | No | US Citizen | 2 | $2,717.28 | $1,235.04 | $226.44 | $102.92 | 0.000% | 0.000% | 0.000% | XXXXX | 744 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | No | No | 8.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.44 | 0.69 | XXXXX | XXXXX | 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 | 296.2 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100666 | XXXXX | N/A | No | No | $6,479.49 | $6,479.49 | 6.750% | No | No | Permanent Resident Alien | 1 | $19,505.40 | $434.04 | $1,625.45 | $36.17 | 0.000% | 0.000% | 0.000% | XXXXX | 767 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.82 | 1.21 | XXXXX | 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 | 96.87 | Yes | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000096437 | XXXXX | N/A | No | Yes | $0.00 | 7.226% | $3,393.04 | $3,393.04 | 7.000% | No | No | Employed | US Citizen | $6,662.53 | 1 | $5,705.52 | $3,248.04 | $475.46 | $270.67 | 44.862% | 44.862% | 44.862% | XXXXX | 792 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.310% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 7.000% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 86.840% | No | 3 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 98.05 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000099917 | XXXXX | N/A | No | No | $6,030.73 | $6,030.73 | 7.500% | No | No | US Citizen | 1 | $4,572.00 | $4,003.68 | $381.00 | $333.64 | 0.000% | 0.000% | 0.000% | XXXXX | 768 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 3.0 | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.81 | 1.24 | XXXXX | XXXXX | 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 | 15.54 | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100289 | XXXXX | N/A | No | No | $34,050.00 | $9,470.78 | 6.675% | $3,476.37 | $3,476.37 | 6.500% | No | No | Self-Employed | Permanent Resident Alien | $14,952.32 | 1 | $11,499.96 | $1,335.96 | $958.33 | $111.33 | 32.232% | 32.232% | 32.232% | XXXXX | 782 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $34,050.00 | 6.240% | $1,000.00 | 1.0 | None | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | XXXXX | 3.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 8.84 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101028 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $4,440.00 | $7,160.30 | 8.625% | $1,380.45 | $1,380.45 | 8.250% | No | No | Employed | US Citizen | $7,634.87 | 1 | $0.00 | $320.04 | $0.00 | $26.67 | 23.651% | 23.651% | 23.651% | XXXXX | 798 | No | No | [Borrower - | Primary Income - Wages]; WVOE - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $4,440.00 | 6.750% | $0.00 | None | No | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 36.340% | No | 12 | Yes | Shares/Stock/Ownership (Co-op) | Leasehold | Individual | Individual | No | Individual | No | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 7.4 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100994 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $6,299.20 | $6,946.34 | 8.645% | $2,128.20 | $2,128.20 | 8.375% | No | No | Self-Employed | US Citizen | $10,422.43 | 2 | $5,161.32 | $2,588.16 | $430.11 | $215.68 | 22.627% | 22.627% | 22.627% | XXXXX | 735 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $6,299.20 | 6.240% | $0.00 | None | No | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | XXXXX | 34.310% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 4.32 | Yes | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100333 | XXXXX | N/A | No | No | $1,657.83 | $1,657.83 | 7.375% | No | No | US Citizen | 1 | $6,493.80 | $2,103.96 | $541.15 | $175.33 | 0.000% | 0.000% | 0.000% | XXXXX | 803 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.93 | 1.08 | XXXXX | XXXXX | 41.950% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 12.07 | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000088743 | XXXXX | N/A | No | No | $6,400.70 | $6,400.70 | 9.750% | No | No | US Citizen | 1 | $10,276.32 | $1,626.00 | $856.36 | $135.50 | 0.000% | 0.000% | 0.000% | XXXXX | 753 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 9.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.57 | 1.76 | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 49.42 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000099408 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $5,750.00 | $3,821.68 | 7.294% | $2,664.54 | $2,664.54 | 7.000% | No | No | Employed | US Citizen | $13,530.88 | 1 | $2,190.24 | $2,500.08 | $182.52 | $208.34 | 30.917% | 30.917% | 30.917% | XXXXX | 798 | No | No | [Borrower - |
Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $5,750.00 | 6.240% | $20,500.00 | 1.0 | DU | ApproveEligible | Yes | No | 7.000% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 28.100% | 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 | 28.28 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000096397 | XXXXX | N/A | No | No | $835.41 | $835.41 | 7.125% | No | No | US Citizen | 1 | $2,649.84 | $1,127.04 | $220.82 | $93.92 | 0.000% | 0.000% | 0.000% | XXXXX | 730 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.43 | 0.7 | XXXXX | XXXXX | 1.930% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 6.62 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000098117 | XXXXX | Non QM | Yes | No | $10,830.00 | $5,759.20 | 6.972% | $3,573.69 | $3,573.69 | 6.875% | No | No | Employed | US Citizen | $7,421.81 | 1 | $14,177.04 | $2,856.96 | $1,181.42 | $238.08 | 40.626% | 40.626% | 40.626% | XXXXX | 808 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $10,830.00 | 6.290% | $30,000.00 | 1.0 | None | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 13.380% | No | 33 | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 6.25 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000097583 | XXXXX | N/A | No | No | $10,180.94 | $10,180.94 | 6.625% | No | No | US Citizen | 1 | $20,701.44 | $4,043.04 | $1,725.12 | $336.92 | 0.000% | 0.000% | 0.000% | XXXXX | 804 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.7 | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.23 | 0.82 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 108.06 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000098122 | XXXXX | N/A | No | No | $1,406.99 | $1,406.99 | 7.250% | No | No | US Citizen | 1 | $1,992.48 | $1,416.96 | $166.04 | $118.08 | 0.000% | 0.000% | 0.000% | XXXXX | 809 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.4 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.83 | 0.55 | XXXXX | XXXXX | 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 | 642.11 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100976 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $13,710.00 | $17,407.33 | 8.354% | $3,257.91 | $3,257.91 | 8.000% | No | No | Self-Employed | US Citizen | $4,865.91 | 1 | $8,542.68 | $1,350.96 | $711.89 | $112.58 | 47.223% | 47.223% | 47.223% | XXXXX | 762 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $13,710.00 | 6.610% | $0.00 | 1.0 | None | Yes | No | 8.000% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | XXXXX | 1.800% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 3.88 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100872 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $19,200.00 | $23,671.00 | 8.225% | $4,640.44 | $4,640.44 | 7.875% | No | No | Self-Employed | Permanent Resident Alien | $8,866.15 | 1 | $12,300.00 | $1,653.96 | $1,025.00 | $137.83 | 39.847% | 39.847% | 39.847% | XXXXX | 798 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $19,200.00 | 6.790% | $0.00 | 1.0 | None | No | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | XXXXX | 29.150% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 3.36 | Yes | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101027 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $3,375.00 | $5,468.81 | 8.226% | $1,087.60 | $1,087.60 | 7.875% | No | No | Self-Employed | US Citizen | $5,664.78 | 1 | $1,172.40 | $1,250.04 | $97.70 | $104.17 | 25.240% | 25.240% | 25.240% | XXXXX | 767 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $3,375.00 | 6.750% | $0.00 | 2.5 | None | Yes | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | XXXXX | 16.090% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 16.19 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000097701 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $2,736.39 | $3,756.18 | 7.474% | $1,632.08 | $1,632.08 | 7.125% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $8,884.25 | 1 | $8,615.04 | $2,356.56 | $717.92 | $196.38 | 41.654% | 41.654% | 41.654% | XXXXX | 762 | No | No | [Borrower - |
Primary Income - Social Security]; Award Letter / Continuance Letter -
2025 [Borrower - | Primary Income - Social Security]; 1099 Transcript - 2024 [Borrower - | Non-Primary Income - Pension]; Account Statements - 2025 [Borrower - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025 [Borrower - | Non-Primary Income - Pension]; Other - 2025 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Coborrower(s) - | Primary Income - Social Security]; 1099 Transcript - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | Full Doc 1yr - AUS | 0 | 0 | 0 | Yes | XXXXX | $2,736.39 | 6.310% | $0.00 | DU | Yes | ApproveEligible | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | 341.82 | Yes | No | $2,041.10 | $0.00 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000099332 | XXXXX | N/A | No | No | $906.15 | $906.15 | 7.125% | No | No | US Citizen | US Citizen | 1 | $5,968.56 | $1,223.04 | $497.38 | $101.92 | 0.000% | 0.000% | 0.000% | XXXXX | 758 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | 1.0 | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.89 | 0.53 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 106.08 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 8 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000099655 | XXXXX | N/A | No | No | $1,640.00 | $2,460.63 | 7.911% | $4,894.22 | $4,894.22 | 7.875% | No | No | Self-Employed | US Citizen | $27,269.73 | 1 | $8,337.96 | $3,282.96 | $694.83 | $273.58 | 34.932% | 34.932% | 34.932% | XXXXX | 727 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.160% | $0.00 | 1.0 | None | No | No | 7.875% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | XXXXX | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 25.85 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000097250 | XXXXX | Non QM | Yes | No | $30,000.00 | $4,373.92 | 7.293% | $8,186.12 | $8,186.12 | 7.250% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $47,243.97 | 1 | $22,500.00 | $1,290.96 | $1,875.00 | $107.58 | 17.815% | 17.815% | 17.815% | XXXXX | 788 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - |
Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% |
Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 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 - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 1084 or income worksheet - Year Not
Available [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $30,000.00 | 6.310% | $0.00 | 3.2 | None | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 19.540% | 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 | 34.61 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000097850 | XXXXX | N/A | No | No | $4,604.17 | $4,604.17 | 6.500% | No | No | US Citizen | US Citizen | 1 | $7,921.08 | $1,873.32 | $660.09 | $156.11 | 0.000% | 0.000% | 0.000% | XXXXX | 808 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 3.5 | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.76 | 1.32 | 240 | XXXXX | XXXXX | 74.180% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | 81.81 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000097718 | XXXXX | N/A | No | No | $1,793.78 | $1,793.78 | 7.125% | No | No | US Citizen | 1 | $3,408.72 | $1,473.96 | $284.06 | $122.83 | 0.000% | 0.000% | 0.000% | XXXXX | 785 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.4 | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.95 | 1.05 | XXXXX | XXXXX | 34.640% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 11.42 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000098561 | XXXXX | N/A | No | No | $1,313.86 | $1,313.86 | 6.875% | No | No | US Citizen | 1 | $5,289.84 | $3,266.04 | $440.82 | $272.17 | 0.000% | 0.000% | 0.000% | XXXXX | 725 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.04 | 0.97 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 96.28 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000099640 | XXXXX | N/A | No | No | $1,302.68 | $1,302.68 | 6.990% | No | No | US Citizen | 1 | $6,069.00 | $1,031.04 | $505.75 | $85.92 | 0.000% | 0.000% | 0.000% | XXXXX | 802 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.5 | N/A | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.35 | 0.74 | XXXXX | XXXXX | 20.520% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 9.28 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100080 | XXXXX | N/A | No | No | $842.15 | $842.15 | 7.125% | No | No | US Citizen | 1 | $2,046.24 | $666.96 | $170.52 | $55.58 | 0.000% | 0.000% | 0.000% | XXXXX | 749 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.7 | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.53 | 0.4 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 112.9 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000095869 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $4,360.40 | $6,106.60 | 7.680% | $1,719.08 | $1,719.08 | 7.250% | No | No | Non-Employment Income | US Citizen | $4,891.37 | 1 | $1,483.56 | $1,924.44 | $123.63 | $160.37 | 47.007% | 47.007% | 47.007% | XXXXX | 792 | No | No | [Borrower - |
Non-Primary Income - Social Security]; Account Statements - 2025 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Borrower - | Primary Income - Pension]; Account Statements - 2025 [Borrower - | Primary Income - Pension]; Award Letter / Continuance Letter - 2025 [Borrower - | Non-Primary Income - Pension]; Account Statements - 2025 [Borrower - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $4,360.40 | 6.220% | $2,000.00 | 1.0 | DU | ApproveEligible | No | No | 7.250% | 0 | 1 | 0 | 1 | 0 | 0.00 | No | No | XXXXX | XXXXX | 33.630% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 29.27 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000097594 | XXXXX | N/A | No | No | $11,820.00 | $12,521.61 | 7.125% | $6,573.19 | $6,573.19 | 7.000% | No | No | Employed | Employed | US Citizen | US Citizen | $55,685.82 | 1 | $7,311.00 | $4,149.96 | $609.25 | $345.83 | 17.239% | 17.239% | 17.239% | XXXXX | 753 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 1084 or income worksheet - Year Not
Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $11,820.00 | 6.160% | $13,000.00 | 2.6 | None | No | No | 7.000% | 2 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 45.750% | No | 12 | 32 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 39.64 | No | No | $0.00 | $4,292.16 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100472 | XXXXX | N/A | No | No | $828.13 | $828.13 | 6.625% | No | No | US Citizen | 1 | $7,876.44 | $1,186.08 | $656.37 | $98.84 | 0.000% | 0.000% | 0.000% | XXXXX | 731 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 3.9 | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.85 | 1.17 | 240 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 73.03 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000098913 | XXXXX | Non QM | Yes | No | $2,859.95 | $1,282.32 | 7.501% | $1,938.76 | $2,202.00 | 8.177% | No | No | Non-Employment Income | US Citizen | $8,043.74 | 1 | $2,055.48 | $1,359.00 | $171.29 | $113.25 | 33.683% | 31.513% | 33.683% | XXXXX | 806 | Yes | No | [Borrower - |
Primary Income - Social Security]; Account Statements - 2025 [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2024 [Borrower - | Non-Primary Income - Annuity]; Account Statements - 2025 [Borrower - | Non-Primary Income - Annuity]; Award Letter / Continuance Letter - 2025 [Borrower - | Non-Primary Income - Annuity]; 1099 - 2024 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | No | XXXXX | $2,859.95 | 6.230% | $7,000.00 | 1.0 | None | Yes | No | 8.177% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 132.55 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000096053 | XXXXX | N/A | No | No | $1,437.69 | $1,437.69 | 7.250% | No | No | US Citizen | 2 | $2,998.08 | $1,153.68 | $249.84 | $96.14 | 0.000% | 0.000% | 0.000% | XXXXX | 796 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.35 | 0.74 | XXXXX | XXXXX | 46.050% | 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 | 24.9 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000094327 | XXXXX | N/A | No | No | $1,770.67 | $1,770.67 | 6.750% | No | No | US Citizen | 1 | $8,048.88 | $1,338.96 | $670.74 | $111.58 | 0.000% | 0.000% | 0.000% | XXXXX | 791 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.3 | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.33 | 0.75 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 217.81 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000095309 | XXXXX | Non QM | Yes | No | $1,690.00 | $2,555.31 | 7.355% | $1,364.35 | $1,364.35 | 7.250% | No | No | Self-Employed | US Citizen | $3,767.83 | 1 | $9,551.88 | $1,269.36 | $795.99 | $105.78 | 43.889% | 43.889% | 43.889% | XXXXX | 757 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $1,690.00 | 6.220% | $0.00 | None | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 70.18 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000098778 | XXXXX | N/A | No | No | $2,121.74 | $2,121.74 | 7.125% | No | No | US Citizen | US Citizen | 1 | $9,133.56 | $1,403.04 | $761.13 | $116.92 | 0.000% | 0.000% | 0.000% | XXXXX | 767 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.03 | 0.97 | XXXXX | XXXXX | 46.170% | 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 | 20.27 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000098169 | XXXXX | N/A | No | No | $3,672.49 | $3,672.49 | 8.000% | No | No | US Citizen | 1 | $2,734.32 | $1,089.00 | $227.86 | $90.75 | 0.000% | 0.000% | 0.000% | XXXXX | 774 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.3 | No | No | 8.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.88 | 1.14 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 272.58 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000099979 | XXXXX | N/A | No | Yes | $0.00 | 6.829% | $1,487.62 | $1,487.62 | 6.875% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $14,960.43 | 1 | $1,074.00 | $1,880.64 | $89.50 | $156.72 | 41.372% | 41.372% | 41.372% | XXXXX | 737 | No | No | [Borrower - |
Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 [Coborrower(s) - | Primary Income - Sole Proprietor]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 [Coborrower(s) - | Non-Primary Income - Farming]; 1040 - Schedule F - 2024 [Coborrower(s) - | Non-Primary Income - Farming]; 1040 - Schedule F - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.160% | $0.00 | 1.0 | DU | ApproveEligible | No | No | 6.875% | 0 | 0 | 2 | 0 | 3 | 0 | No | XXXXX | XXXXX | 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 | 205.2 | No | No | $9,376.67 | $0.00 | No | No | No | No | 6 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000098856 | XXXXX | N/A | No | No | $1,656.25 | $1,656.25 | 6.625% | No | No | US Citizen | 1 | $4,119.72 | $0.00 | $343.31 | $0.00 | 0.000% | 0.000% | 0.000% | XXXXX | 801 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.6 | No | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.96 | 1.04 | 240 | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 33.94 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000098170 | XXXXX | Non QM | Yes | No | $22,320.04 | $20,117.95 | 7.402% | $6,932.63 | $6,932.63 | 7.250% | No | No | Employed | US Citizen | $15,859.62 | 1 | $15,879.00 | $1,350.00 | $1,323.25 | $112.50 | 37.927% | 37.927% | 37.927% | XXXXX | 740 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $22,320.04 | 6.170% | $0.00 | None | N/A | No | 7.250% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 10.490% | No | 33 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 9.48 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000096178 | XXXXX | Non QM | Yes | No | $8,500.03 | $3,695.24 | 7.472% | $2,563.79 | $2,563.79 | 7.375% | No | No | Employed | Employed | US Citizen | US Citizen | $10,901.24 | 1 | $1,843.56 | $3,374.04 | $153.63 | $281.17 | 49.361% | 49.361% | 49.361% | XXXXX | 707 | No | No | [Borrower - |
Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Borrower - | Non-Primary Income - VA Service Related Disability]; Other - 2025 [Borrower - | Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $8,500.03 | 6.160% | $15,197.00 | 2.4 | None | Yes | No | 7.375% | 2 | 2 | 2 | 0 | 2 | 2 | 0.00 | No | XXXXX | XXXXX | 40.170% | No | 12 | 33 | 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 | 30.75 | No | No | $0.00 | $9,029.18 | No | No | No | No | 8 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000098529 | XXXXX | Non QM | Yes | No | $7,316.06 | $10,825.56 | 6.729% | $2,420.82 | $2,420.82 | 6.500% | No | No | Self-Employed | US Citizen | $25,194.87 | 1 | $1,273.68 | $1,041.00 | $106.14 | $86.75 | 49.811% | 49.811% | 49.811% | XXXXX | 759 | No | No | [Borrower - |
Primary Income - C-Corp]; Account Statements - Business - 2025 [Borrower - | Primary Income - C-Corp]; CPA Letter - 2025 [Borrower - | Primary Income - C-Corp]; Other - 2025 [Borrower - | Primary Income - C-Corp]; Paystubs - 2025 [Borrower - | Primary Income - C-Corp]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - C-Corp]; Third Party Verification - 2025 [Borrower - | Primary Income - C-Corp]; W-2 Transcript - 2025 [Borrower - | Primary Income - C-Corp]; 1120 - 2024 [Borrower - | Primary Income - C-Corp]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - C-Corp]; Tax Return Extension (for Business) - 2024 [Borrower - | Primary Income - C-Corp]; W-2 - 2024 [Borrower - | Primary Income - C-Corp]; W-2 Transcript - 2024 [Borrower - | Primary Income - C-Corp]; 1120 - 2023 [Borrower - | Primary Income - C-Corp]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - C-Corp]; Tax Return Extension (for Business) - 2023 [Borrower - | Primary Income - C-Corp]; W-2 - 2023 [Borrower - | Primary Income - C-Corp]; 4506-C (for Business) - 2022 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Tax Return Extension (for Business) - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2022 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2022 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $7,316.06 | 6.160% | $1,000.00 | 1.0 | None | Yes | No | 6.500% | 3 | 2 | 0 | 3 | 2 | No | XXXXX | XXXXX | 41.980% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 25.76 | No | No | $0.00 | $0.00 | No | No | No | No | 5 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000098627 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $2,849.38 | $5,855.88 | 6.577% | $2,962.82 | $2,962.82 | 6.500% | No | No | Employed | Not Employed | US Citizen | US Citizen | $7,510.06 | 1 | $2,547.00 | $1,908.00 | $212.25 | $159.00 | 38.940% | 38.940% | 38.940% | XXXXX | 778 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | Yes | XXXXX | $2,849.38 | 6.290% | $0.00 | LP / LPA | Yes | Accept/Eligible | N/A | No | 6.500% | 1 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 28.310% | No | 24 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 1.17 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000096385 | XXXXX | N/A | No | No | $1,552.25 | $1,552.25 | 5.750% | No | No | 0 | US Citizen | US Citizen | 1 | $5,399.88 | $667.80 | $449.99 | $55.65 | 0.000% | 0.000% | 0.000% | XXXXX | 778 | Level 3-Stated/Partially Verified | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | No | No | 5.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.18 | 0.85 | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 146.8 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000096367 | XXXXX | N/A | No | No | $1,530.36 | $1,530.36 | 5.750% | No | No | 0 | US Citizen | US Citizen | 1 | $5,324.88 | $646.56 | $443.74 | $53.88 | 0.000% | 0.000% | 0.000% | XXXXX | 778 | Level 3-Stated/Partially Verified | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 5.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.36 | 0.73 | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 64.66 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000095906 | XXXXX | Non QM | Yes | No | $1,640.00 | $6,545.90 | 6.441% | $3,678.34 | $3,678.34 | 6.375% | No | No | Not Employed | Employed | US Citizen | US Citizen | $16,608.33 | 1 | $9,492.96 | $2,363.04 | $791.08 | $196.92 | 40.583% | 40.583% | 40.583% | XXXXX | 785 | No | No | [Coborrower(s) - |
Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.310% | $533.00 | 1.5 | None | N/A | No | 6.375% | 0 | 2 | 0 | 0 | 3 | 2 | 0.00 | No | XXXXX | XXXXX | 100.000% | No | 33 | 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 | 185.45 | Yes | No | $0.00 | $27,951.93 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000096192 | XXXXX | Non QM | Yes | No | $1,640.00 | $9,507.98 | 6.393% | $9,732.37 | $9,732.37 | 6.375% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $21,698.25 | 1 | $28,975.56 | $2,454.96 | $2,414.63 | $204.58 | 48.656% | 48.656% | 48.656% | XXXXX | 791 | No | No | Third Party Prepared (Unaudited) | [Borrower - |
Primary Income - S-Corp (>= 25%)]; Other - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Other - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.310% | $0.00 | 1.0 | None | Yes | No | 6.375% | 2 | 2 | 2 | 0 | 3 | 2 | 8.97 | No | XXXXX | XXXXX | 63.280% | No | 18 | 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 | 65.32 | Yes | No | $0.00 | $12,833.34 | No | No | No | No | 4 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101957 | XXXXX | Non QM | Yes | No | $14,972.50 | $0.00 | 6.373% | $2,242.19 | $2,242.19 | 6.375% | No | No | Employed | US Citizen | $6,617.00 | 1 | $7,362.12 | $693.00 | $613.51 | $57.75 | 36.171% | 36.171% | 36.171% | XXXXX | 745 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $14,972.50 | 6.310% | $22,401.08 | None | N/A | No | 6.375% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 26.140% | No | 12 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 7.75 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100099 | XXXXX | N/A | No | No | $4,894.50 | $4,894.50 | 7.500% | No | No | US Citizen | US Citizen | 1 | $2,452.32 | $1,799.04 | $204.36 | $149.92 | 0.000% | 0.000% | 0.000% | XXXXX | 787 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.65 | 1.54 | XXXXX | XXXXX | 51.710% | 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 | 45.87 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000098055 | XXXXX | Non QM | Yes | No | $1,640.00 | $3,046.58 | 6.668% | $5,045.65 | $5,045.65 | 6.625% | No | No | Employed | Not Employed | US Citizen | US Citizen | $8,374.39 | 1 | $7,084.32 | $1,949.04 | $590.36 | $162.42 | 45.208% | 45.208% | 45.208% | XXXXX | 804 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Borrower - | Primary Income - Wages]; 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 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.290% | $0.00 | 1.0 | None | Yes | No | 6.625% | 2 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | 47.870% | No | 34 | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Risk Score Classic 04 | 55.46 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000097581 | XXXXX | N/A | No | No | $1,399.02 | $1,399.02 | 7.125% | No | No | US Citizen | US Citizen | 1 | $3,375.00 | $1,326.00 | $281.25 | $110.50 | 0.000% | 0.000% | 0.000% | XXXXX | 712 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.9 | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.02 | 0.98 | 240 | XXXXX | XXXXX | 19.730% | 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 | 9.25 | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000098957 | XXXXX | N/A | No | No | $808.33 | $808.33 | 8.750% | No | No | US Citizen | 1 | $408.24 | $992.04 | $34.02 | $82.67 | 0.000% | 0.000% | 0.000% | XXXXX | 790 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | No | No | 8.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.42 | 0.7 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 107.12 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000098398 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $1,490.00 | $4,629.28 | 6.807% | $1,344.65 | $1,344.65 | 6.625% | No | No | Self-Employed | Non-Employment Income | US Citizen | US Citizen | $11,090.54 | 1 | $4,738.68 | $1,040.04 | $394.89 | $86.67 | 40.799% | 40.799% | 40.799% | XXXXX | 782 | No | No | [Borrower - |
Primary Income - Sole Proprietor]; Third Party Verification - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,490.00 | 6.290% | $600.00 | LP / LPA | Yes | Accept/Eligible | N/A | No | 6.625% | 0 | 0 | 2 | 0 | 2 | 0 | No | Not Stated | XXXXX | XXXXX | 100.000% | 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 | 485.08 | No | No | $3,495.00 | $0.00 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000098164 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $1,920.00 | $3,106.95 | 6.640% | $1,242.01 | $1,242.01 | 6.500% | No | No | Employed | Employed | US Citizen | US Citizen | $14,778.93 | 1 | $1,656.00 | $2,706.96 | $138.00 | $225.58 | 21.395% | 21.395% | 21.395% | XXXXX | 779 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,920.00 | 6.290% | $5,000.00 | LP / LPA | Yes | Accept/Eligible | N/A | No | 6.500% | 2 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 138.76 | No | No | $0.00 | $13,825.14 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000099170 | XXXXX | N/A | No | Yes | $0.00 | $0.00 | 7.211% | $1,425.08 | $1,425.08 | 7.000% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $3,703.81 | 1 | $2,568.84 | $2,153.40 | $214.07 | $179.45 | 42.473% | 42.473% | 42.473% | XXXXX | 749 | No | No | [Borrower - |
Primary Income - Social Security]; Award Letter / Continuance Letter -
2025 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | Full Doc 1yr - AUS | 0 | 0 | 0 | No | XXXXX | 6.240% | $5,000.00 | 1.0 | DU | ApproveEligible | Yes | No | 7.000% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 492.93 | No | No | $3,027.90 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102444 | XXXXX | Non QM | Yes | No | $18,452.00 | $17,327.07 | 7.469% | $5,419.21 | $5,419.21 | 7.250% | No | No | Employed | US Citizen | $8,167.91 | 1 | $12,037.20 | $2,376.00 | $1,003.10 | $198.00 | 45.450% | 45.450% | 45.450% | XXXXX | 810 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 [Borrower - | Non-Primary Income - Wages]; VVOE - 2025 [Borrower - | Non-Primary Income - Wages]; WVOE - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | Yes | XXXXX | $18,452.00 | 6.240% | $0.00 | 2.5 | None | N/A | No | 7.250% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 28.170% | No | 12 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 9.17 | No | No | $0.00 | $0.00 | No | No | No | No | 5 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100060 | XXXXX | Non QM | Yes | No | $8,725.00 | $5,399.75 | 8.035% | $4,519.29 | $5,844.21 | 9.177% | No | No | Employed | US Citizen | $8,976.59 | 1 | $14,482.44 | $1,695.96 | $1,206.87 | $141.33 | 47.197% | 44.522% | 47.197% | XXXXX | 779 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $8,725.00 | 6.620% | $0.00 | 1.0 | None | N/A | No | 9.177% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | No | 33 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 1.95 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000099621 | XXXXX | N/A | No | No | $2,204.27 | $2,204.27 | 7.500% | No | No | Permanent Resident Alien | 1 | $3,323.64 | $858.96 | $276.97 | $71.58 | 0.000% | 0.000% | 0.000% | XXXXX | 664 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.1 | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.1 | 0.91 | XXXXX | 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 | 10.4 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000096798 | XXXXX | N/A | No | Yes | $0.00 | $0.00 | 7.980% | $2,511.78 | $2,511.78 | 7.625% | No | No | Employed | Not Employed | US Citizen | US Citizen | $32,496.56 | 1 | $4,348.68 | $4,844.76 | $362.39 | $403.73 | 28.157% | 28.157% | 28.157% | XXXXX | 681 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.310% | $8,350.00 | 1.5 | LP / LPA | Accept/Eligible | No | No | 7.625% | 1 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 22.520% | No | 24 | Yes | Short Form | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 7.08 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000099627 | XXXXX | N/A | No | No | $1,963.39 | $1,963.39 | 7.500% | No | No | Permanent Resident Alien | 1 | $3,323.64 | $1,044.96 | $276.97 | $87.08 | 0.000% | 0.000% | 0.000% | XXXXX | 664 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.18 | 0.85 | XXXXX | 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 | 115.62 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100941 | XXXXX | N/A | No | No | $1,264.59 | $1,264.59 | 6.875% | No | No | Permanent Resident Alien | 1 | $4,125.00 | $985.32 | $343.75 | $82.11 | 0.000% | 0.000% | 0.000% | XXXXX | 781 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.97 | 1.03 | XXXXX | XXXXX | 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 | 4.26 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000099605 | XXXXX | N/A | No | No | $1,931.58 | $1,931.58 | 7.500% | No | No | Permanent Resident Alien | 1 | $3,018.36 | $825.00 | $251.53 | $68.75 | 0.000% | 0.000% | 0.000% | XXXXX | 664 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.2 | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.13 | 0.88 | XXXXX | 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 | 120.14 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100862 | XXXXX | N/A | No | No | $6,992.15 | $6,992.15 | 7.500% | No | No | US Citizen | 1 | $13,124.28 | $3,095.04 | $1,093.69 | $257.92 | 0.000% | 0.000% | 0.000% | XXXXX | 681 | No | No | DSCR | 2 | 0 | 0 | No | XXXXX | $0.00 | 3.0 | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.17 | 0.86 | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 22.66 | No | $0.00 | $0.00 | 0 | 0 | 0 | 2 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101215 | XXXXX | Non QM | Yes | No | $9,862.22 | $0.00 | 6.719% | $8,817.33 | $8,817.33 | 6.750% | No | No | Self-Employed | Permanent Resident Alien | $50,823.79 | 1 | $25,489.56 | $1,185.00 | $2,124.13 | $98.75 | 35.892% | 35.892% | 35.892% | XXXXX | 777 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2025 |
Alternative Documentation (A) | 2yr P&L w/o Bank Statements | 0 | 0 | 0 | No | XXXXX | $9,862.22 | 6.170% | $45,919.58 | 1.0 | None | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 24.00 | No | XXXXX | XXXXX | 9.250% | 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 | 7.65 | Yes | No | $0.00 | $0.00 | No | No | No | No | 5 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100701 | XXXXX | Non QM | Yes | No | $21,000.00 | $4,875.55 | 6.501% | $7,989.34 | $7,989.34 | 6.500% | No | No | Self-Employed | Non-Permanent Resident Alien | XXX | $15,134.47 | 1 | $28,210.08 | $2,197.68 | $2,350.84 | $183.14 | 41.682% | 41.682% | 41.682% | XXXXX | 796 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2024 |
Alternative Documentation (A) | 2yr P&L w/o Bank Statements | 0 | 0 | 0 | No | XXXXX | $21,000.00 | 6.160% | $29,089.12 | 1.0 | None | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 24.00 | No | XXXXX | XXXXX | 58.810% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Employment Authorization | 56.46 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000099362 | XXXXX | N/A | No | Yes | $2,797.23 | $5,407.47 | 6.959% | $958.07 | $958.07 | 6.625% | No | No | Employed | Permanent Resident Alien | $5,175.98 | 1 | $2,843.16 | $534.84 | $236.93 | $44.57 | 40.540% | 40.540% | 40.540% | XXXXX | 802 | No | No | [Borrower - |
Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Non-Primary Income - Sole Proprietor]; CPA Letter - 2025 [Borrower - | Non-Primary Income - Sole Proprietor]; Other - 2025 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $2,797.23 | 6.160% | $0.00 | 1.0 | LP / LPA | Accept/Eligible | No | No | 6.625% | 2 | 1 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | 100.000% | No | 24 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 304.16 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000098556 | XXXXX | N/A | No | No | $1,117.71 | $1,117.71 | 7.000% | No | No | US Citizen | 1 | $2,751.48 | $2,719.56 | $229.29 | $226.63 | 0.000% | 0.000% | 0.000% | XXXXX | 702 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.16 | 0.86 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 137.29 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000099271 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $2,195.00 | $5,236.24 | 7.297% | $3,707.81 | $3,707.81 | 7.125% | No | No | Employed | Employed | US Citizen | US Citizen | $23,354.29 | 1 | $9,651.00 | $5,850.12 | $804.25 | $487.51 | 33.517% | 33.517% | 33.517% | XXXXX | 811 | No | No | [Borrower - |
Primary Income - Wages]; Leave and Earnings Statement (LES) - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $2,195.00 | 6.240% | $7,500.00 | LP / LPA | Yes | Accept/Eligible | N/A | No | 7.125% | 2 | 2 | 1 | 0 | 1 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 38.370% | No | 9 | 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 | 32.13 | No | No | $0.00 | $18,861.62 | No | No | No | No | 4 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100909 | XXXXX | N/A | No | No | $1,022.60 | $1,022.60 | 7.500% | No | No | US Citizen | 1 | $835.80 | $606.00 | $69.65 | $50.50 | 0.000% | 0.000% | 0.000% | XXXXX | 773 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.4 | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.88 | 1.14 | XXXXX | XXXXX | 28.470% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 7.94 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000095665 | XXXXX | Higher Priced QM (APOR) | Yes | No | $15,759.26 | $18,819.90 | 7.816% | $5,252.58 | $5,252.58 | 7.375% | No | No | Self-Employed | US Citizen | $21,112.82 | 1 | $8,547.24 | $5,099.28 | $712.27 | $424.94 | 30.483% | 30.483% | 30.483% | XXXXX | 757 | No | No | [Borrower - |
Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | XXXXX | $15,759.26 | 6.170% | $20,402.00 | 3.4 | LP / LPA | Accept/Eligible | Yes | No | 7.375% | 1 | 1 | 0 | 2 | 0 | No | Not Stated | XXXXX | XXXXX | 6.580% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 31.84 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000098186 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $4,225.78 | $1,146.72 | 7.615% | $2,453.61 | $2,453.61 | 7.500% | No | No | Employed | US Citizen | $7,955.85 | 1 | $3,630.00 | $3,260.76 | $302.50 | $271.73 | 33.830% | 33.830% | 33.830% | XXXXX | 813 | No | No | [Borrower - |
Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $4,225.78 | 6.290% | $10,000.00 | 2.9 | DU | ApproveEligible | N/A | No | 7.500% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 12.900% | No | 33 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 3.03 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100085 | XXXXX | N/A | No | Yes | $0.00 | $0.00 | 6.346% | $1,534.68 | $1,534.68 | 6.375% | No | No | Employed | Employed | US Citizen | US Citizen | $29,444.74 | 1 | $2,139.72 | $466.20 | $178.31 | $38.85 | 16.257% | 16.257% | 16.257% | XXXXX | 798 | No | No | [Borrower - |
Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; WVOE - 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 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.290% | $7,500.00 | LP / LPA | Accept/Eligible | Yes | No | 6.375% | 0 | 1 | 1 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 100.000% | No | 33 | 21 | 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 | 263.63 | No | No | $0.00 | $12,500.00 | No | No | No | No | 4 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100444 | XXXXX | N/A | No | No | $8,868.54 | $8,868.54 | 6.875% | No | No | US Citizen | 1 | $42,875.04 | $5,073.96 | $3,572.92 | $422.83 | 0.000% | 0.000% | 0.000% | XXXXX | 753 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.9 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.62 | 1.61 | XXXXX | XXXXX | 62.070% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 11.01 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000095368 | XXXXX | N/A | No | Yes | $0.00 | 6.843% | $2,061.94 | $2,061.94 | 6.875% | No | No | Employed | Not Employed | US Citizen | US Citizen | $5,026.79 | 2 | $9,795.36 | $1,947.96 | $816.28 | $162.33 | 48.470% | 48.470% | 48.470% | XXXXX | 712 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 [Borrower - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.170% | $0.00 | DU | ApproveEligible | No | No | 6.875% | 2 | 0 | 2 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | 74.600% | No | Yes | Final | 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 | 60.21 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102770 | XXXXX | Non QM | Yes | No | $45,895.00 | $10,714.49 | 6.943% | $8,934.23 | $8,934.23 | 6.875% | No | No | Self-Employed | Permanent Resident Alien | $22,119.46 | 1 | $19,675.32 | $4,385.04 | $1,639.61 | $365.42 | 42.284% | 42.284% | 42.284% | XXXXX | 704 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; Audited P&L - 2025 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $45,895.00 | 6.310% | $0.00 | None | N/A | No | 6.875% | 0 | 0 | 0 | 2 | 0 | 12.00 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | No | 4.05 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100480 | XXXXX | Non QM | Yes | No | $2,565.00 | $0.00 | 6.849% | $2,669.05 | $2,669.05 | 6.875% | No | No | Employed | Non-Permanent Resident Alien | United States of America | $10,522.24 | 1 | $8,456.16 | $638.52 | $704.68 | $53.21 | 34.236% | 34.236% | 34.236% | XXXXX | 758 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $2,565.00 | 6.160% | $12,500.00 | 1.0 | None | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 23.800% | No | 32 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Employment Authorization | 4.89 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000096497 | XXXXX | N/A | No | No | $2,255.34 | $2,255.34 | 8.125% | No | No | US Citizen | 1 | $3,105.60 | $503.04 | $258.80 | $41.92 | 0.000% | 0.000% | 0.000% | XXXXX | 735 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.82 | 1.22 | XXXXX | XXXXX | 55.070% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 41.59 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000096058 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $1,727.50 | $4,433.20 | 7.071% | $2,993.86 | $2,993.86 | 7.000% | No | No | Employed | US Citizen | $15,129.44 | 1 | $8,526.72 | $1,098.96 | $710.56 | $91.58 | 27.381% | 27.381% | 27.381% | XXXXX | 811 | No | No | [Borrower - |
Primary Income - Wages]; Other - 2025 [Borrower - | Primary Income - Wages]; Other - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,727.50 | 6.260% | $0.00 | 1.0 | DU | ApproveEligible | No | No | 7.000% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | No | 33 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 89.34 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100531 | XXXXX | N/A | No | No | $2,991.66 | $2,991.66 | 6.750% | No | No | 0 | 0 | Non-Permanent Resident Alien | US Citizen | Non-Permanent Resident Alien | 3 | $11,956.08 | $3,872.04 | $996.34 | $322.67 | 0.000% | 0.000% | 0.000% | XXXXX | 761 | Level 3-Stated/Partially Verified | Level 3-Stated/Partially Verified | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.37 | 0.73 | XXXXX | XXXXX | 59.120% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 44.25 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000099037 | XXXXX | N/A | No | No | $1,108.57 | $1,108.57 | 6.875% | No | No | 0 | US Citizen | US Citizen | 1 | $2,875.68 | $1,047.24 | $239.64 | $87.27 | 0.000% | 0.000% | 0.000% | XXXXX | 816 | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.25 | 0.8 | XXXXX | XXXXX | 99.500% | 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 | 113.33 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000096043 | XXXXX | N/A | No | Yes | $0.00 | 5.747% | $992.49 | $992.49 | 5.750% | No | No | Employed | Not Employed | US Citizen | US Citizen | $22,649.49 | 1 | $2,581.32 | $1,903.56 | $215.11 | $158.63 | 36.910% | 36.910% | 36.910% | XXXXX | 813 | No | No | [Borrower - |
Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.310% | $0.00 | 1.0 | DU | ApproveEligible | No | No | 5.750% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | 100.000% | No | 33 | 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 | 745.87 | No | No | $0.00 | $0.00 | No | No | No | No | 9 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000098530 | XXXXX | N/A | No | No | $1,180.57 | $1,180.57 | 8.125% | No | No | US Citizen | 1 | $3,467.16 | $572.64 | $288.93 | $47.72 | 0.000% | 0.000% | 0.000% | XXXXX | 750 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.88 | 1.14 | XXXXX | XXXXX | 37.700% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 10.54 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000099012 | XXXXX | Non QM | Yes | No | $4,722.80 | $15,928.92 | 6.774% | $18,290.47 | $18,290.47 | 6.750% | No | No | Self-Employed | US Citizen | $186,111.47 | 1 | $30,903.72 | $3,207.00 | $2,575.31 | $267.25 | 14.075% | 14.075% | 14.075% | XXXXX | 786 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $4,722.80 | 6.240% | $0.00 | 1.9 | None | No | No | 6.750% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 27.570% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 44.01 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100791 | XXXXX | N/A | No | No | $1,770.25 | $1,770.25 | 7.250% | No | No | US Citizen | 1 | $1,280.16 | $684.00 | $106.68 | $57.00 | 0.000% | 0.000% | 0.000% | XXXXX | 775 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.1 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.93 | 1.08 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 6.1 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103025 | XXXXX | N/A | No | No | $1,560.53 | $1,560.53 | 7.624% | No | No | US Citizen | 2 | $686.04 | $1,085.04 | $57.17 | $90.42 | 0.000% | 0.000% | 0.000% | XXXXX | 786 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | No | No | 7.624% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.26 | 0.79 | XXXXX | XXXXX | 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 | 125.75 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101389 | XXXXX | N/A | No | Yes | $0.00 | 6.728% | $5,253.64 | $5,253.64 | 6.750% | No | No | Self-Employed | Non-Employment Income | US Citizen | US Citizen | $16,088.33 | 1 | $13,500.00 | $1,146.36 | $1,125.00 | $95.53 | 35.629% | 35.629% | 35.629% | XXXXX | 800 | No | No | [Borrower - |
Primary Income - Partnership (>= 25%)]; Other - 2025 [Borrower - | Primary Income - Partnership (>= 25%)]; Other - 2025 [Borrower - | Primary Income - Partnership (>= 25%)]; Other - 2025 [Borrower - | Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - Partnership (>= 25%)]; Tax Return Extension (for Business) - 2024 [Borrower - | Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Borrower - | Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - Partnership (>= 25%)]; K-1 - 2023 [Borrower - | Primary Income - Partnership (>= 25%)]; Tax Return Extension (for Business) - 2023 [Borrower - | Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2022 [Borrower - | Non-Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - K-1 (< 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2023 [Borrower - | Non-Primary Income - K-1 (< 25%)]; K-1 - 2023 [Borrower - | Non-Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2022 [Coborrower(s) - | Primary Income - Trust Income]; K-1 - 2024 [Coborrower(s) - | Primary Income - Trust Income]; Other - 2024 [Coborrower(s) - | Primary Income - Trust Income]; Trust Agreement - 2024 [Coborrower(s) - | Primary Income - Trust Income]; K-1 - 2023 [Coborrower(s) - | Primary Income - Trust Income]; Other - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Tax Return Extension - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Tax Return Extension - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Tax Return Extension - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Tax Return Extension - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 4506-C - 2022 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.170% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.750% | 0 | 0 | 2 | 0 | 3 | 2 | No | XXXXX | XXXXX | 54.790% | No | Yes | Preliminary | Fee Simple | Individual | Trustee | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 47.5 | Yes | No | $16,070.38 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000099028 | XXXXX | N/A | No | Yes | $0.00 | 6.604% | $1,748.05 | $1,748.05 | 6.625% | No | No | Employed | Not Employed | US Citizen | US Citizen | $14,798.34 | 1 | $3,407.40 | $1,700.64 | $283.95 | $141.72 | 28.968% | 28.968% | 28.968% | XXXXX | 749 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.240% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.625% | 1 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 492.36 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100264 | XXXXX | N/A | No | No | $3,266.66 | $3,266.66 | 7.000% | No | No | US Citizen | 4 | $3,327.60 | $2,410.80 | $277.30 | $200.90 | 0.000% | 0.000% | 0.000% | XXXXX | 786 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.39 | 0.72 | 240 | XXXXX | XXXXX | 1.250% | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 126.22 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000099097 | XXXXX | Non QM | Yes | No | $1,640.00 | $5,854.10 | 6.737% | $2,561.24 | $2,561.24 | 6.625% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $17,202.98 | 1 | $12,689.28 | $461.04 | $1,057.44 | $38.42 | 0.000% | 0.000% | 0.000% | XXXXX | 812 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.260% | $0.00 | 3.4 | None | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Trustee | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 742.31 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000099323 | XXXXX | N/A | No | Yes | $0.00 | 6.357% | $3,602.22 | $3,602.22 | 6.375% | No | No | Employed | Not Employed | US Citizen | US Citizen | $20,781.21 | 1 | $6,283.08 | $429.96 | $523.59 | $35.83 | 39.520% | 39.520% | 39.520% | XXXXX | 735 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Restricted Stock Agreement - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 [Borrower - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.240% | $0.00 | 4.0 | DU | ApproveEligible | N/A | No | 6.375% | 2 | 0 | 1 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | No | 33 | 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 | 68.36 | No | No | $0.00 | $0.00 | No | No | No | No | 7 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000099561 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $0.00 | $253.77 | 6.363% | $1,589.45 | $1,589.45 | 6.375% | No | No | Employed | Not Employed | US Citizen | US Citizen | $9,100.93 | 1 | $3,768.36 | $1,302.96 | $314.03 | $108.58 | 38.652% | 38.652% | 38.652% | XXXXX | 807 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.240% | $0.00 | DU | Yes | ApproveEligible | N/A | No | 6.375% | 1 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 68.67 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000099836 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $0.00 | $2,162.15 | 6.912% | $2,365.38 | $2,365.38 | 6.875% | No | No | Self-Employed | US Citizen | $12,638.22 | 1 | $2,128.68 | $1,035.00 | $177.39 | $86.25 | 25.694% | 25.694% | 25.694% | XXXXX | 770 | No | No | [Borrower - |
Primary Income - S-Corp (>= 25%)]; Other - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Paystubs - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2022 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2022 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; Transcripts (1040) - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.160% | $0.00 | 2.1 | DU | ApproveEligible | No | No | 6.875% | 2 | 2 | 0 | 3 | 3 | No | Not Stated | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 9.94 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101945 | XXXXX | Non QM | Yes | No | $6,033.75 | $7,635.75 | 6.716% | $1,991.01 | $1,991.01 | 6.500% | No | No | Employed | Permanent Resident Alien | $4,276.54 | 1 | $6,861.12 | $668.28 | $571.76 | $55.69 | 41.816% | 41.816% | 41.816% | XXXXX | 765 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $6,033.75 | 6.260% | $0.00 | 1.0 | None | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 35.960% | No | 33 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 4.54 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100443 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $1,490.00 | $2,747.40 | 6.609% | $1,185.13 | $1,185.13 | 6.500% | No | No | Employed | Non-Employment Income | US Citizen | US Citizen | $6,411.72 | 1 | $4,775.04 | $3,499.56 | $397.92 | $291.63 | 48.640% | 48.640% | 48.640% | XXXXX | 792 | No | No | [Borrower - |
Primary Income - Wages]; Other - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 [Borrower - | Non-Primary Income - Unemployment]; 1099 - 2024 [Coborrower(s) - | Primary Income - IRA Distribution]; Account Statements - 2025 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,490.00 | 6.160% | $0.00 | 3.0 | DU | ApproveEligible | No | No | 6.500% | 0 | 0 | 2 | 0 | 2 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 95.820% | No | 32 | 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 | 76.43 | No | No | $3,250.69 | $0.00 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101460 | XXXXX | Non QM | Yes | No | $4,198.00 | $2,334.88 | 6.647% | $3,339.86 | $3,339.86 | 6.625% | No | No | Self-Employed | US Citizen | $24,442.14 | 1 | $7,193.88 | $3,295.08 | $599.49 | $274.59 | 33.330% | 33.330% | 33.330% | XXXXX | 780 | No | No | Borrower Prepared | [Borrower - |
Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Paystubs - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2022 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - No Results Returned - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $4,198.00 | 6.170% | $15,000.00 | 1.4 | None | No | No | 6.625% | 2 | 2 | 0 | 3 | 1 | 8.97 | No | XXXXX | XXXXX | 54.230% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 52.2 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000097869 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $1,725.00 | $3,841.05 | 6.796% | $3,161.92 | $3,161.92 | 6.750% | No | No | Employed | US Citizen | $11,726.45 | 1 | $2,955.12 | $1,788.00 | $246.26 | $149.00 | 34.415% | 34.415% | 34.415% | XXXXX | 814 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - Pension]; Account Statements - 2025 [Borrower - | Non-Primary Income - Pension]; 1099-R - 2024 [Borrower - | Non-Primary Income - Pension]; 1099-R - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,725.00 | 6.290% | $0.00 | 1.0 | LP / LPA | Accept/Eligible | No | No | 6.750% | 1 | 0 | 0 | 1 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 28.010% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 3.73 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000099191 | XXXXX | N/A | No | Yes | $0.00 | 7.338% | $2,348.30 | $2,348.30 | 7.375% | No | No | Employed | US Citizen | $11,575.66 | 1 | $3,426.00 | $971.04 | $285.50 | $80.92 | 41.922% | 41.922% | 41.922% | XXXXX | 799 | No | No | [Borrower - |
Primary Income - Wages]; Other - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Non-Primary Income - Social Security]; 1099-SSA - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.260% | $0.00 | 2.6 | DU | ApproveEligible | No | No | 7.375% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 35.360% | No | 31 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 41.32 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102939 | XXXXX | Non QM | Yes | No | $6,982.50 | $4,515.21 | 6.542% | $1,466.09 | $1,466.09 | 6.375% | No | No | Employed | US Citizen | $4,131.42 | 1 | $731.88 | $3,168.00 | $60.99 | $264.00 | 31.143% | 31.143% | 31.143% | XXXXX | 755 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $6,982.50 | 6.260% | $0.00 | 2.1 | None | N/A | No | 6.375% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 54.450% | No | 27 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 19.28 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100259 | XXXXX | N/A | No | No | $3,416.03 | $3,416.03 | 6.875% | No | No | US Citizen | 1 | $7,125.96 | $754.08 | $593.83 | $62.84 | 0.000% | 0.000% | 0.000% | XXXXX | 778 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.4 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.8 | 1.26 | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 55.78 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100745 | XXXXX | N/A | No | No | $4,137.28 | $4,137.28 | 7.750% | No | No | US Citizen | 3 | $10,613.40 | $2,787.96 | $884.45 | $232.33 | 0.000% | 0.000% | 0.000% | XXXXX | 766 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.54 | 1.84 | XXXXX | XXXXX | 49.480% | 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 | 25.13 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000098734 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $995.00 | $3,061.67 | 6.283% | $2,955.44 | $2,955.44 | 6.250% | No | No | Employed | Employed | US Citizen | US Citizen | $25,799.37 | 1 | $7,364.76 | $401.52 | $613.73 | $33.46 | 31.852% | 31.852% | 31.852% | XXXXX | 804 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $995.00 | 6.290% | $0.00 | DU | Yes | ApproveEligible | N/A | No | 6.250% | 1 | 1 | 1 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 82.47 | No | No | $0.00 | $12,107.81 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000099631 | XXXXX | N/A | No | Yes | $0.00 | 6.464% | $4,000.99 | $4,000.99 | 6.500% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $7,437.51 | 1 | $11,846.52 | $552.96 | $987.21 | $46.08 | 47.989% | 47.989% | 47.989% | XXXXX | 749 | No | No | [Borrower - | Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2025 | [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Coborrower]; 1040 - 2024 [Coborrower]; 1040 - 2023 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.240% | $0.00 | 1.4 | DU | ApproveEligible | No | No | 6.500% | 0 | 0 | 2 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Trustee | Individual | Trustee | No | Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 66.44 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000098777 | XXXXX | N/A | No | Yes | $0.00 | 6.471% | $2,986.52 | $2,986.52 | 6.500% | No | No | Non-Employment Income | US Citizen | $21,017.83 | 1 | $12,236.52 | $1,893.60 | $1,019.71 | $157.80 | 35.078% | 35.078% | 35.078% | XXXXX | 713 | No | No | [Borrower - |
Primary Income - Social Security]; Award Letter / Continuance Letter -
2025 [Borrower - | Non-Primary Income - Pension]; Account Statements - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2021 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.290% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.500% | 0 | 0 | 0 | 4 | 0 | 0.00 | No | XXXXX | XXXXX | 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 | 382.88 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101691 | XXXXX | Non QM | Yes | No | $4,140.00 | $16,434.64 | 7.431% | $12,691.16 | $12,691.16 | 7.375% | No | No | Self-Employed | US Citizen | $58,419.56 | 1 | $30,624.96 | $6,758.04 | $2,552.08 | $563.17 | 47.107% | 47.107% | 47.107% | XXXXX | 758 | No | Yes | 12 | Personal | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: % | Expense
Ratio: 35.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements
Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 35.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 35.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $4,140.00 | 6.170% | $0.00 | 3.8 | None | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 114.02 | Yes | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000099705 | XXXXX | N/A | No | Yes | $0.00 | 7.216% | $4,169.80 | $4,169.80 | 7.250% | No | No | Self-Employed | US Citizen | $3,907.85 | 1 | $11,584.56 | $8,373.00 | $965.38 | $697.75 | 40.610% | 40.610% | 40.610% | XXXXX | 666 | No | No | Borrower Prepared | [Borrower - |
Primary Income - S-Corp (>= 25%)]; Other - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.230% | $0.00 | 1.0 | LP / LPA | Accept/Eligible | Yes | No | 7.250% | 1 | 1 | 0 | 3 | 0 | 8.00 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 61.42 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102369 | XXXXX | N/A | No | Yes | $0.00 | 6.219% | $2,512.13 | $2,512.13 | 6.250% | No | No | Not Employed | Employed | US Citizen | US Citizen | $19,622.68 | 1 | $8,672.52 | $537.00 | $722.71 | $44.75 | 30.744% | 30.744% | 30.744% | XXXXX | 790 | No | No | [Coborrower(s) - |
Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.160% | $0.00 | DU | Yes | ApproveEligible | No | No | 6.250% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Trustee | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 17.28 | No | No | $0.00 | $28,333.33 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000097343 | XXXXX | N/A | No | Yes | $0.00 | 6.707% | $1,605.28 | $1,605.28 | 6.750% | No | No | Employed | US Citizen | $28,453.59 | 1 | $7,389.00 | $1,296.48 | $615.75 | $108.04 | 48.333% | 48.333% | 48.333% | XXXXX | 792 | No | No | [Borrower - |
Primary Income - Wages]; Other - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Account Transcripts - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Full Doc 1yr - AUS | 0 | 0 | 0 | No | XXXXX | 6.310% | $535.00 | 1.0 | DU | ApproveEligible | No | No | 6.750% | 1 | 1 | 0 | 3 | 1 | 0.00 | No | XXXXX | XXXXX | 41.880% | No | 33 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 406.76 | No | No | $0.00 | $0.00 | No | No | No | No | 9 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000097326 | XXXXX | N/A | No | Yes | $0.00 | 6.707% | $1,459.35 | $1,459.35 | 6.750% | No | No | Employed | US Citizen | $28,867.37 | 1 | $9,587.16 | $1,530.36 | $798.93 | $127.53 | 47.581% | 47.581% | 47.581% | XXXXX | 792 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Account Transcripts - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.310% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.750% | 1 | 1 | 0 | 3 | 1 | 0.00 | No | XXXXX | XXXXX | 100.000% | No | 34 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 493.51 | No | No | $0.00 | $0.00 | No | No | No | No | 9 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100142 | XXXXX | Non QM | Yes | No | $2,465.00 | $9,261.31 | 6.928% | $7,942.79 | $7,942.79 | 6.875% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $23,135.70 | 1 | $20,874.96 | $1,649.16 | $1,739.58 | $137.43 | 39.078% | 39.078% | 39.078% | XXXXX | 789 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 |
Alternative Documentation (A) | 2yr P&L w/o Bank Statements | 0 | 0 | 0 | No | XXXXX | $2,465.00 | 6.160% | $4,000.00 | 1.0 | None | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 24.00 | No | XXXXX | XXXXX | 33.070% | 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 | 8.15 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000096571 | XXXXX | N/A | No | No | $1,132.67 | $1,132.67 | 6.500% | No | No | US Citizen | 1 | $1,998.00 | $1,899.96 | $166.50 | $158.33 | 0.000% | 0.000% | 0.000% | XXXXX | 770 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 3.7 | No | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | XXXXX | XXXXX | 0.440% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 8.12 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000097472 | XXXXX | Non QM | Yes | No | $1,640.00 | $4,685.10 | 6.975% | $2,572.53 | $2,572.53 | 6.875% | No | No | Self-Employed | US Citizen | $4,157.14 | 1 | $6,118.80 | $3,173.16 | $509.90 | $264.43 | 49.610% | 49.610% | 49.610% | XXXXX | 812 | No | No | Borrower Prepared | [Borrower - |
Primary Income - Sole Proprietor]; CPA Letter - 2025 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2025 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2025 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.310% | $0.00 | 1.0 | None | Yes | No | 6.875% | 0 | 1 | 0 | 2 | 1 | 8.97 | No | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 216.78 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100117 | XXXXX | N/A | No | No | $2,761.02 | $2,761.02 | 6.625% | No | No | US Citizen | 1 | $9,810.24 | $3,308.88 | $817.52 | $275.74 | 0.000% | 0.000% | 0.000% | XXXXX | 760 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.16 | 0.87 | XXXXX | XXXXX | 0.180% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 19.58 | Yes | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000099948 | XXXXX | N/A | No | No | $1,704.83 | $1,704.83 | 6.625% | No | No | 0 | US Citizen | US Citizen | 1 | $967.44 | $764.04 | $80.62 | $63.67 | 0.000% | 0.000% | 0.000% | XXXXX | 795 | Level 3-Stated/Partially Verified | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.0 | No | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | XXXXX | XXXXX | 31.780% | 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 | 8.27 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102164 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $1,390.00 | $3,076.60 | 6.422% | $2,807.41 | $2,807.41 | 6.375% | No | No | Employed | US Citizen | $12,471.53 | 1 | $10,909.32 | $5,434.20 | $909.11 | $452.85 | 49.377% | 49.377% | 49.377% | XXXXX | 782 | Yes | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; VVOE - 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 - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,390.00 | 6.260% | $0.00 | 1.0 | LP / LPA | Accept/Eligible | Yes | No | 6.375% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | 240 | Not Stated | XXXXX | XXXXX | 100.000% | No | 8 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 543.15 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101965 | XXXXX | Non QM | Yes | No | $15,515.00 | $0.00 | 6.977% | $6,626.41 | $6,626.41 | 7.000% | No | No | Self-Employed | US Citizen | $22,159.15 | 1 | $17,801.88 | $981.96 | $1,483.49 | $81.83 | 30.261% | 30.261% | 30.261% | XXXXX | 776 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 |
Alternative Documentation (A) | 2yr P&L w/o Bank Statements | 0 | 0 | 0 | No | XXXXX | $15,515.00 | 6.260% | $7,690.00 | None | Yes | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 24.00 | No | XXXXX | XXXXX | 69.740% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 75.56 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000098815 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $995.00 | $2,124.58 | 7.084% | $1,367.20 | $1,367.20 | 7.000% | No | No | Employed | US Citizen | $8,335.30 | 1 | $3,047.52 | $659.04 | $253.96 | $54.92 | 45.718% | 45.718% | 45.718% | XXXXX | 789 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Other - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Borrower]; 1084 or income worksheet - Year Not Available [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $995.00 | 6.240% | $750.00 | DU | Yes | ApproveEligible | N/A | No | 7.000% | 2 | 2 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 78.420% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 59.6 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000098979 | XXXXX | N/A | No | No | $873.18 | $873.18 | 8.000% | No | No | US Citizen | 1 | $2,655.00 | $400.32 | $221.25 | $33.36 | 0.000% | 0.000% | 0.000% | XXXXX | 741 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 8.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.9 | 1.11 | XXXXX | 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 | 79.33 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000099389 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $21,515.00 | $24,347.17 | 6.970% | $3,147.70 | $3,147.70 | 6.500% | No | No | Self-Employed | US Citizen | $6,356.34 | 2 | $7,782.24 | $2,804.04 | $648.52 | $233.67 | 45.969% | 45.969% | 45.969% | XXXXX | 682 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $21,515.00 | 6.160% | $0.00 | None | N/A | No | 6.500% | 0 | 0 | 0 | 3 | 0 | 12.00 | No | XXXXX | XXXXX | 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 | 99.92 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000099591 | XXXXX | N/A | No | No | $1,248.10 | $1,248.10 | 7.500% | No | No | 0 | US Citizen | US Citizen | 1 | $2,873.28 | $441.96 | $239.44 | $36.83 | 0.000% | 0.000% | 0.000% | XXXXX | 739 | Level 2-Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 3.9 | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.44 | 0.69 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 109.71 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000099430 | XXXXX | Non QM | Yes | No | $1,790.00 | $442.26 | 7.673% | $3,857.48 | $3,857.48 | 7.625% | No | No | Self-Employed | US Citizen | $13,736.12 | 1 | $8,734.80 | $3,414.00 | $727.90 | $284.50 | 45.492% | 45.492% | 45.492% | XXXXX | 766 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 60.00000% | 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: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $1,790.00 | 6.240% | $0.00 | 2.0 | None | Yes | No | 7.625% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 91.71 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000099154 | XXXXX | N/A | No | Yes | $0.00 | 6.363% | $2,095.09 | $2,095.09 | 6.375% | No | No | Employed | Non-Permanent Resident Alien | $9,788.27 | 1 | $5,675.04 | $714.00 | $472.92 | $59.50 | 41.270% | 41.270% | 41.270% | XXXXX | 809 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.240% | $0.00 | 1.1 | DU | ApproveEligible | Yes | No | 6.375% | 1 | 1 | 0 | 3 | 1 | 0.00 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | VISA | 12.59 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000098589 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $1,790.00 | $2,997.32 | 7.188% | $2,236.75 | $2,236.75 | 7.125% | No | No | Employed | Not Employed | US Citizen | US Citizen | $22,230.53 | 1 | $3,183.96 | $2,177.64 | $265.33 | $181.47 | 20.570% | 20.570% | 20.570% | XXXXX | 798 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,790.00 | 6.290% | $0.00 | 2.6 | LP / LPA | Accept/Eligible | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 32.950% | No | 34 | 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 | 15.93 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100734 | XXXXX | N/A | No | No | $3,205.71 | $3,205.71 | 7.875% | No | No | US Citizen | 1 | $7,275.36 | $3,405.00 | $606.28 | $283.75 | 0.000% | 0.000% | 0.000% | XXXXX | 774 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.65 | 1.55 | XXXXX | XXXXX | 27.810% | 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 | 12.24 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100832 | XXXXX | Non QM | Yes | No | $1,790.00 | $5,482.18 | 6.640% | $10,533.12 | $10,533.12 | 6.625% | No | No | Employed | US Citizen | $15,774.42 | 1 | $18,845.64 | $3,772.56 | $1,570.47 | $314.38 | 51.470% | 51.470% | 51.470% | XXXXX | 753 | No | No | [Borrower - |
Primary Income - Wages]; Employer Letter - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; Employer Letter - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; Restricted Stock Agreement - 2022 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,790.00 | 6.160% | $0.00 | 2.9 | None | No | No | 6.625% | 2 | 1 | 0 | 3 | 1 | 0.00 | No | XXXXX | XXXXX | 50.640% | No | 34 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 37.18 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101786 | XXXXX | Non QM | Yes | No | $7,575.00 | $9,412.75 | 6.542% | $3,032.01 | $3,032.01 | 6.375% | No | No | Self-Employed | Non-Permanent Resident Alien | XXX | $8,531.34 | 1 | $8,200.08 | $402.96 | $683.34 | $33.58 | 36.932% | 36.932% | 36.932% | XXXXX | 760 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2024 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2023 |
Alternative Documentation (A) | 2yr P&L w/o Bank Statements | 0 | 0 | 0 | No | XXXXX | $7,575.00 | 6.170% | $0.00 | 1.0 | None | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 33.00 | No | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Employment Authorization | No | 0.09 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101296 | XXXXX | N/A | No | No | $1,937.53 | $1,937.53 | 9.000% | No | No | US Citizen | 1 | $6,667.80 | $2,984.04 | $555.65 | $248.67 | 0.000% | 0.000% | 0.000% | XXXXX | 785 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.1 | Yes | No | 9.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.9 | 1.12 | XXXXX | 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 | 80.31 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000099702 | XXXXX | N/A | No | Yes | $0.00 | 6.732% | $1,142.67 | $1,142.67 | 6.750% | No | No | Employed | Employed | Permanent Resident Alien | US Citizen | $23,082.41 | 1 | $2,637.60 | $1,121.52 | $219.80 | $93.46 | 25.747% | 25.747% | 25.747% | XXXXX | 732 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.240% | $0.00 | 1.0 | DU | ApproveEligible | N/A | No | 6.750% | 0 | 1 | 1 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | 36.350% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 18.62 | Yes | No | $0.00 | $14,836.19 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000099130 | XXXXX | Non QM | Yes | No | $5,270.00 | $3,111.72 | 6.764% | $2,598.86 | $2,598.86 | 6.625% | No | No | Employed | US Citizen | $8,229.09 | 1 | $11,820.36 | $2,458.20 | $985.03 | $204.85 | 31.600% | 31.600% | 31.600% | XXXXX | 795 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $5,270.00 | 5.680% | $0.00 | 1.0 | None | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | No | 24 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 4.15 | No | $0.00 | $0.00 | No | No | No | No | 1 | 180 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000095109 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $995.00 | $2,776.93 | 6.408% | $2,999.80 | $2,999.80 | 6.375% | No | No | Employed | Employed | US Citizen | US Citizen | $11,889.93 | 3 | $4,172.88 | $4,170.96 | $347.74 | $347.58 | 40.856% | 40.856% | 40.856% | XXXXX | 781 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $995.00 | 6.220% | $0.00 | DU | ApproveEligible | N/A | No | 6.375% | 1 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 17.19 | No | No | $0.00 | $7,353.45 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100821 | XXXXX | Non QM | Yes | No | $8,815.00 | $10,324.08 | 6.638% | $4,076.84 | $4,076.84 | 6.500% | No | No | Employed | US Citizen | $7,317.29 | 1 | $15,083.16 | $3,203.28 | $1,256.93 | $266.94 | 46.589% | 46.589% | 46.589% | XXXXX | 743 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $8,815.00 | 6.160% | $0.00 | 1.0 | None | No | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 53.710% | No | 24 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 7.56 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000099699 | XXXXX | Non QM | Yes | No | $7,935.00 | $9,014.89 | 6.599% | $2,314.56 | $2,314.56 | 6.375% | No | No | Employed | US Citizen | $7,051.86 | 1 | $12,926.04 | $2,103.00 | $1,077.17 | $175.25 | 45.755% | 45.755% | 45.755% | XXXXX | 800 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $7,935.00 | 6.240% | $0.00 | 1.0 | None | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 41.470% | 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 | 16.93 | Yes | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103478 | XXXXX | N/A | No | No | $4,897.38 | $4,897.38 | 6.375% | No | No | US Citizen | 1 | $7,370.04 | $6,658.20 | $614.17 | $554.85 | 0.000% | 0.000% | 0.000% | XXXXX | 747 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.15 | 0.87 | XXXXX | XXXXX | 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 | 19.83 | Yes | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100697 | XXXXX | Non QM | Yes | No | $18,365.00 | $20,070.52 | 6.854% | $5,090.47 | $5,090.47 | 6.625% | No | No | Employed | US Citizen | $10,233.08 | 1 | $16,464.48 | $5,488.92 | $1,372.04 | $457.41 | 48.318% | 48.318% | 48.318% | XXXXX | 741 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $18,365.00 | 6.160% | $1,223.25 | None | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 10.100% | No | 34 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 6.95 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103475 | XXXXX | N/A | No | No | $5,844.10 | $5,844.10 | 6.375% | No | No | US Citizen | 1 | $4,304.64 | $2,898.84 | $358.72 | $241.57 | 0.000% | 0.000% | 0.000% | XXXXX | 764 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.84 | 1.2 | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Beacon 5.0 | FICO Risk Score Classic 04 | 246.33 | Yes | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000099106 | XXXXX | N/A | No | No | $1,071.45 | $1,071.45 | 6.875% | No | No | US Citizen | 1 | $3,841.68 | $431.04 | $320.14 | $35.92 | 0.000% | 0.000% | 0.000% | XXXXX | 787 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.5 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.17 | 0.86 | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 101.63 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101783 | XXXXX | Non QM | Yes | No | $13,200.00 | $5,097.11 | 7.068% | $3,619.25 | $3,619.25 | 7.000% | No | No | Employed | US Citizen | $5,965.85 | 1 | $8,499.96 | $1,878.84 | $708.33 | $156.57 | 43.344% | 43.344% | 43.344% | XXXXX | 799 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $13,200.00 | 6.170% | $3,400.00 | 1.0 | None | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 26.950% | No | 25 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 20.15 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101940 | XXXXX | N/A | No | Yes | $0.00 | 6.358% | $1,871.61 | $1,871.61 | 6.375% | No | No | Employed | US Citizen | $4,989.28 | 1 | $3,892.68 | $2,479.08 | $324.39 | $206.59 | 41.004% | 41.004% | 41.004% | XXXXX | 809 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.260% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.375% | 1 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 74.170% | No | Yes | Preliminary | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 17.68 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000097377 | XXXXX | N/A | No | Yes | $0.00 | 7.111% | $2,627.24 | $2,627.24 | 7.125% | No | No | Employed | Employed | US Citizen | US Citizen | $11,488.61 | 1 | $3,669.72 | $1,077.00 | $305.81 | $89.75 | 48.282% | 48.282% | 48.282% | XXXXX | 698 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.230% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 7.125% | 2 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | No | 34 | 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 | 67.29 | No | No | $0.00 | $8,295.76 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000099995 | XXXXX | Non QM | Yes | No | $1,990.00 | $2,734.75 | 6.747% | $6,174.65 | $6,174.65 | 6.750% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $8,361.70 | 1 | $15,000.00 | $3,695.88 | $1,250.00 | $307.99 | 52.044% | 52.044% | 52.044% | XXXXX | 811 | No | No | [Borrower - |
Primary Income - Sole Proprietor]; Third Party Verification - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Coborrower(s) - | Primary Income - Wages]; Other - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2023 [Coborrower(s) - | Non-Primary Income - Wages]; Other - 2025 [Coborrower(s) - | Non-Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Non-Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Non-Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Non-Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Non-Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Non-Primary Income - Child Support]; Other - 2025 [Coborrower(s) - | Non-Primary Income - Child Support]; Child Support Order - 2021 [Coborrower(s) - | Non-Primary Income - Child Support]; Divorce Decree - 2018 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,990.00 | 6.160% | $20,068.68 | 1.0 | None | Yes | No | 6.750% | 0 | 2 | 1 | 0 | 3 | 1 | No | XXXXX | XXXXX | 39.030% | No | 33 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | Yes | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 32.05 | No | $964.00 | $4,268.59 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102535 | XXXXX | N/A | No | No | $1,077.51 | $1,077.51 | 6.250% | No | No | US Citizen | 1 | $1,933.92 | $1,107.36 | $161.16 | $92.28 | 0.000% | 0.000% | 0.000% | XXXXX | 753 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.5 | Yes | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.75 | 1.33 | XXXXX | 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 | 118.17 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100182 | XXXXX | Non QM | Yes | No | $3,065.00 | $6,240.14 | 6.569% | $4,424.48 | $4,424.48 | 6.500% | No | No | Employed | Permanent Resident Alien | $8,037.28 | 1 | $16,111.92 | $690.96 | $1,342.66 | $57.58 | 46.418% | 46.418% | 46.418% | XXXXX | 800 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $3,065.00 | 6.160% | $0.00 | None | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 50.270% | No | 32 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 9.64 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000099368 | XXXXX | N/A | No | No | $4,489.39 | $4,489.39 | 7.375% | No | No | US Citizen | 1 | $12,840.24 | $1,125.12 | $1,070.02 | $93.76 | 0.000% | 0.000% | 0.000% | XXXXX | 780 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.73 | 1.38 | XXXXX | 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 | 111.49 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100296 | XXXXX | Non QM | Yes | No | $2,375.00 | $4,553.26 | 6.834% | $2,821.40 | $2,821.40 | 6.750% | No | No | Employed | Permanent Resident Alien | $6,605.09 | 1 | $9,418.08 | $528.12 | $784.84 | $44.01 | 44.958% | 44.958% | 44.958% | XXXXX | 777 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $2,375.00 | 6.160% | $0.00 | 1.0 | None | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | No | 28 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | No | 0.85 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100373 | XXXXX | Non QM | Yes | No | $1,575.00 | $3,978.50 | 6.061% | $2,697.98 | $2,697.98 | 6.000% | No | No | Employed | US Citizen | $8,459.92 | 1 | $11,250.00 | $1,833.96 | $937.50 | $152.83 | 47.939% | 47.939% | 47.939% | XXXXX | 794 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $1,575.00 | 6.160% | $0.00 | None | N/A | No | 6.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 62.950% | No | 34 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 28.35 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100824 | XXXXX | Non QM | Yes | No | $10,677.05 | $14,609.59 | 8.791% | $4,734.51 | $6,492.96 | 10.161% | No | No | Employed | Permanent Resident Alien | $11,541.13 | 1 | $11,357.88 | $312.96 | $946.49 | $26.08 | 45.199% | 41.119% | 45.199% | XXXXX | 790 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $10,677.05 | 6.550% | $0.00 | 1.0 | None | N/A | No | 10.161% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 28.060% | No | 34 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 6.63 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100709 | XXXXX | Non QM | Yes | No | $10,581.76 | $1,619.27 | 6.520% | $3,070.60 | $3,070.60 | 6.500% | No | No | Employed | Non-Permanent Resident Alien | XXX | $6,997.49 | 1 | $7,590.72 | $1,180.20 | $632.56 | $98.35 | 41.688% | 41.688% | 41.688% | XXXXX | 790 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $10,581.76 | 6.160% | $25,000.00 | 1.0 | None | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 22.300% | No | 25 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Employment Authorization | 2.9 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101527 | XXXXX | Non QM | Yes | No | $8,970.00 | $12,468.50 | 8.202% | $2,881.56 | $3,832.10 | 9.197% | No | No | Employed | Permanent Resident Alien | $7,660.40 | 1 | $9,750.00 | $1,560.00 | $812.50 | $130.00 | 38.717% | 35.613% | 38.717% | XXXXX | 792 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $8,970.00 | 6.520% | $0.00 | 1.0 | None | N/A | No | 9.197% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 43.380% | No | 33 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 3.12 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101526 | XXXXX | Non QM | Yes | No | $15,944.93 | $17,850.37 | 6.617% | $8,106.23 | $8,106.23 | 6.500% | No | No | Employed | US Citizen | $20,680.40 | 1 | $20,673.24 | $3,161.40 | $1,722.77 | $263.45 | 46.652% | 46.652% | 46.652% | XXXXX | 756 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $15,944.93 | 6.170% | $5,212.00 | 1.0 | None | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 6.290% | No | 34 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 5.42 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100310 | XXXXX | Non QM | Yes | No | $12,263.75 | $16,080.23 | 6.595% | $4,075.43 | $4,075.43 | 6.375% | No | No | Employed | Non-Permanent Resident Alien | XXX | $8,123.44 | 1 | $12,562.56 | $1,719.00 | $1,046.88 | $143.25 | 40.920% | 40.920% | 40.920% | XXXXX | 784 | No | No | [Borrower - |
Primary Income - Wages]; Employer Letter - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $12,263.75 | 6.160% | $25,000.00 | None | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 17.980% | No | 34 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Employment Authorization | 0.06 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000097339 | XXXXX | N/A | No | Yes | $0.00 | 6.476% | $1,174.33 | $1,174.33 | 6.500% | No | No | Employed | US Citizen | $6,132.79 | 1 | $3,666.12 | $515.04 | $305.51 | $42.92 | 38.672% | 38.672% | 38.672% | XXXXX | 790 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.310% | $0.00 | 1.0 | LP / LPA | Accept/Eligible | No | No | 6.500% | 1 | 1 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 195.92 | No | No | $0.00 | $0.00 | No | No | No | No | 6 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100417 | XXXXX | N/A | No | No | $8,195.00 | $4,772.83 | 6.859% | $1,296.38 | $1,296.38 | 6.375% | No | No | Employed | Permanent Resident Alien | $8,614.09 | 1 | $3,021.72 | $2,466.96 | $251.81 | $205.58 | 42.573% | 42.573% | 42.573% | XXXXX | 789 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $8,195.00 | 5.660% | $1,000.00 | 1.0 | None | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 42.940% | No | 34 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 18.25 | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 180 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100159 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $2,949.58 | $3,277.18 | 7.490% | $1,657.07 | $1,657.07 | 7.375% | No | No | Employed | Employed | US Citizen | US Citizen | $5,981.29 | 1 | $2,315.64 | $644.04 | $192.97 | $53.67 | 41.894% | 41.894% | 41.894% | XXXXX | 769 | No | No | [Borrower - |
Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Full Doc 1yr - AUS | 0 | 0 | 0 | No | XXXXX | $2,949.58 | 6.160% | $5,998.00 | 1.5 | LP / LPA | Accept/Eligible | No | No | 7.375% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 70.220% | No | 28 | 29 | 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 | 77.4 | Yes | No | $1,359.00 | $3,147.26 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100766 | XXXXX | N/A | No | No | $2,886.58 | $2,886.58 | 7.000% | No | No | US Citizen | 1 | $11,489.04 | $1,389.96 | $957.42 | $115.83 | 0.000% | 0.000% | 0.000% | XXXXX | 787 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.14 | 0.88 | XXXXX | XXXXX | 37.540% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 14.27 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000098741 | XXXXX | N/A | No | No | $4,986.09 | $4,986.09 | 6.875% | No | No | US Citizen | 1 | $12,650.04 | $1,257.96 | $1,054.17 | $104.83 | 0.000% | 0.000% | 0.000% | XXXXX | 787 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.86 | 1.16 | XXXXX | XXXXX | 30.790% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 9.18 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101449 | XXXXX | N/A | No | No | $745.07 | $745.07 | 7.750% | No | No | US Citizen | 1 | $2,765.40 | $1,143.96 | $230.45 | $95.33 | 0.000% | 0.000% | 0.000% | XXXXX | 741 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.6 | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.49 | 0.67 | XXXXX | XXXXX | 7.290% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 69.48 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101520 | XXXXX | N/A | No | No | $4,091.81 | $4,091.81 | 7.875% | No | No | US Citizen | 1 | $4,349.52 | $1,076.04 | $362.46 | $89.67 | 0.000% | 0.000% | 0.000% | XXXXX | 762 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 4.0 | No | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.78 | 1.28 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 11.3 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101921 | XXXXX | N/A | No | No | $541.97 | $541.97 | 6.875% | No | No | US Citizen | 1 | $3,985.68 | $863.04 | $332.14 | $71.92 | 0.000% | 0.000% | 0.000% | XXXXX | 767 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.3 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.34 | 0.74 | XXXXX | XXXXX | 75.980% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 53.09 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102145 | XXXXX | N/A | No | No | $949.68 | $949.68 | 7.375% | No | No | US Citizen | 1 | $2,559.96 | $1,245.96 | $213.33 | $103.83 | 0.000% | 0.000% | 0.000% | XXXXX | 744 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 3.1 | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.5 | 0.67 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 67.45 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101850 | XXXXX | N/A | No | No | $1,689.30 | $1,689.30 | 7.500% | No | No | 0 | Permanent Resident Alien | Permanent Resident Alien | 1 | $5,301.00 | $2,037.00 | $441.75 | $169.75 | 0.000% | 0.000% | 0.000% | XXXXX | 794 | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.04 | 0.96 | XXXXX | XXXXX | 50.090% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 34.06 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101791 | XXXXX | N/A | No | Yes | $0.00 | 7.477% | $1,510.30 | $1,510.30 | 7.500% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $7,810.17 | 1 | $3,794.04 | $1,455.96 | $316.17 | $121.33 | 33.287% | 33.287% | 33.287% | XXXXX | 734 | No | No | [Borrower - |
Primary Income - Sole Proprietor]; Third Party Verification - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.260% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 7.500% | 0 | 0 | 1 | 0 | 2 | 1 | No | XXXXX | XXXXX | 34.820% | 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 | 8.72 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100427 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $1,590.00 | $3,464.29 | 7.596% | $2,013.74 | $2,013.74 | 7.500% | No | No | Self-Employed | US Citizen | $27,662.60 | 1 | $2,198.88 | $2,137.32 | $183.24 | $178.11 | 16.657% | 16.657% | 16.657% | XXXXX | 720 | No | No | [Borrower - |
Primary Income - Sole Proprietor]; Third Party Verification - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,590.00 | 6.160% | $1,000.00 | 2.4 | DU | ApproveEligible | No | No | 7.500% | 0 | 2 | 0 | 2 | 0 | No | Not Stated | XXXXX | XXXXX | 93.650% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 77.64 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100323 | XXXXX | N/A | No | No | $662.52 | $662.52 | 5.875% | No | No | US Citizen | 2 | $5,587.44 | $1,608.00 | $465.62 | $134.00 | 0.000% | 0.000% | 0.000% | XXXXX | 706 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 5.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.14 | 0.47 | XXXXX | XXXXX | 76.230% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 3.67 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102222 | XXXXX | N/A | No | Yes | $0.00 | 6.856% | $3,774.06 | $3,774.06 | 6.875% | No | No | Employed | US Citizen | $4,752.47 | 1 | $9,575.04 | $3,662.40 | $797.92 | $305.20 | 44.301% | 44.301% | 44.301% | XXXXX | 681 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Tax Return Extension - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.260% | $0.00 | 1.5 | DU | ApproveEligible | Yes | No | 6.875% | 2 | 2 | 0 | 2 | 2 | 0.00 | No | XXXXX | XXXXX | 38.410% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 18.04 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102165 | XXXXX | N/A | No | No | $1,959.55 | $1,959.55 | 7.250% | No | No | US Citizen | US Citizen | 1 | $1,427.04 | $1,340.16 | $118.92 | $111.68 | 0.000% | 0.000% | 0.000% | XXXXX | 776 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.86 | 1.16 | XXXXX | XXXXX | 94.500% | 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 | 114.2 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101746 | XXXXX | Non QM | Yes | No | $6,188.00 | $7,926.03 | 6.777% | $3,022.27 | $3,022.27 | 6.625% | No | No | Employed | Employed | Permanent Resident Alien | Permanent Resident Alien | $6,314.41 | 1 | $4,338.36 | $1,475.04 | $361.53 | $122.92 | 39.390% | 39.390% | 39.390% | XXXXX | 776 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2025 [Coborrower(s) - | Non-Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Non-Primary Income - Wages]; WVOE - 2025 |
[Borrower]; 1084 or income worksheet - Year Not
Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $6,188.00 | 6.170% | $0.00 | 1.0 | None | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 29.160% | No | 32 | 32 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | Resident Alien Card | 10.05 | No | $0.00 | $4,040.13 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100010 | XXXXX | N/A | No | No | $3,300.29 | $3,300.29 | 7.500% | No | No | US Citizen | 1 | $9,750.36 | $2,969.04 | $812.53 | $247.42 | 0.000% | 0.000% | 0.000% | XXXXX | 791 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 5.26 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000099036 | XXXXX | N/A | No | Yes | $0.00 | $0.00 | 6.613% | $1,248.61 | $1,248.61 | 6.625% | No | No | Employed | Employed | US Citizen | US Citizen | $28,268.79 | 1 | $1,569.60 | $833.04 | $130.80 | $69.42 | 19.416% | 19.416% | 19.416% | XXXXX | 805 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.240% | $4,500.00 | 1.5 | DU | ApproveEligible | Yes | No | 6.625% | 0 | 1 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 65.990% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 47.4 | No | No | $0.00 | $19,246.67 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000104040 | XXXXX | Non QM | Yes | No | $0.00 | $1,315.63 | 6.254% | $8,164.41 | $8,164.41 | 6.250% | No | No | Employed | Not Employed | US Citizen | US Citizen | $18,914.58 | 1 | $22,167.24 | $3,618.00 | $1,847.27 | $301.50 | 40.027% | 40.027% | 40.027% | XXXXX | 791 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.310% | $0.00 | 2.5 | None | No | No | 6.250% | 2 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | No | 33 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 12.65 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102100 | XXXXX | Non QM | Yes | No | $1,570.00 | $3,332.44 | 6.663% | $4,097.99 | $4,097.99 | 6.625% | No | No | Employed | Non-Permanent Resident Alien | XXX | $8,633.11 | 1 | $9,067.80 | $3,411.00 | $755.65 | $284.25 | 43.941% | 43.941% | 43.941% | XXXXX | 751 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $1,570.00 | 6.260% | $0.00 | 2.0 | None | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | No | 33 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Employment Authorization | No | 0.2 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000092754 | XXXXX | N/A | No | No | $663.05 | $663.05 | 7.375% | No | No | US Citizen | 1 | $682.20 | $851.88 | $56.85 | $70.99 | 0.000% | 0.000% | 0.000% | XXXXX | 774 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.1 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.33 | 0.75 | XXXXX | XXXXX | 40.330% | 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 | 22.63 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100775 | XXXXX | N/A | No | No | $1,210.75 | $1,210.75 | 7.375% | No | No | US Citizen | 1 | $1,805.16 | $2,085.96 | $150.43 | $173.83 | 0.000% | 0.000% | 0.000% | XXXXX | 709 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.3 | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.11 | 0.9 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 10.97 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000099921 | XXXXX | N/A | No | No | $2,117.00 | $2,117.00 | 7.750% | No | No | US Citizen | 1 | $3,575.40 | $2,453.28 | $297.95 | $204.44 | 0.000% | 0.000% | 0.000% | XXXXX | 710 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.6 | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.78 | 1.28 | XXXXX | XXXXX | 71.050% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 51.17 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000097758 | XXXXX | N/A | No | Yes | $0.00 | $0.00 | 7.536% | $1,438.33 | $1,438.33 | 7.375% | No | No | Employed | Employed | US Citizen | US Citizen | $4,897.81 | 1 | $3,980.88 | $1,556.28 | $331.74 | $129.69 | 35.363% | 35.363% | 35.363% | XXXXX | 750 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; Year End Summary - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; Year End Summary - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.290% | $4,900.00 | 1.0 | DU | ApproveEligible | Yes | No | 7.375% | 1 | 2 | 0 | 0 | 3 | 1 | 0.00 | No | XXXXX | XXXXX | 25.890% | 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 | 11.14 | No | No | $0.00 | $4,136.66 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000098874 | XXXXX | N/A | No | Yes | $0.00 | 6.862% | $2,213.21 | $2,213.21 | 6.875% | No | No | Employed | US Citizen | $6,016.96 | 1 | $6,879.60 | $1,536.96 | $573.30 | $128.08 | 49.859% | 49.859% | 49.859% | XXXXX | 721 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.240% | $0.00 | 1.2 | DU | ApproveEligible | No | No | 6.875% | 1 | 1 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 43.83 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000098924 | XXXXX | Non QM | Yes | No | $15,705.00 | $15,227.43 | 6.949% | $4,608.29 | $4,608.29 | 6.750% | No | No | Self-Employed | US Citizen | $19,695.98 | 1 | $12,687.48 | $599.28 | $1,057.29 | $49.94 | 27.876% | 27.876% | 27.876% | XXXXX | 743 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $15,705.00 | 6.160% | $5,250.00 | None | N/A | No | 6.750% | 0 | 0 | 0 | 3 | 0 | 12.00 | No | XXXXX | XXXXX | 79.090% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 46.23 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100316 | XXXXX | N/A | No | No | $2,152.50 | $2,152.50 | 7.000% | No | No | US Citizen | 1 | $3,463.68 | $1,655.04 | $288.64 | $137.92 | 0.000% | 0.000% | 0.000% | XXXXX | 753 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 4.2 | No | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.03 | 0.97 | 360 | XXXXX | XXXXX | 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 | 150.65 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000099590 | XXXXX | N/A | No | No | $1,595.11 | $1,595.11 | 6.990% | No | No | US Citizen | 1 | $3,980.52 | $1,196.76 | $331.71 | $99.73 | 0.000% | 0.000% | 0.000% | XXXXX | 774 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.13 | 0.88 | XXXXX | XXXXX | 5.410% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 11.09 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100984 | XXXXX | N/A | No | Yes | $0.00 | $0.00 | 7.361% | $2,072.03 | $2,072.03 | 7.375% | No | No | Employed | Not Employed | US Citizen | US Citizen | $11,197.60 | 1 | $7,714.20 | $2,674.92 | $642.85 | $222.91 | 40.429% | 40.429% | 40.429% | XXXXX | 715 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.170% | $1,500.00 | 1.0 | DU | ApproveEligible | Yes | No | 7.375% | 2 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 40.510% | No | 34 | 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 | 23.19 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102002 | XXXXX | Non QM | Yes | No | $6,578.00 | $8,451.25 | 8.052% | $3,242.51 | $3,242.51 | 7.875% | No | No | Employed | US Citizen | $5,805.63 | 1 | $5,287.68 | $2,277.00 | $440.64 | $189.75 | 45.105% | 45.105% | 45.105% | XXXXX | 666 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $6,578.00 | 6.260% | $3,000.00 | 1.4 | None | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 27.800% | No | 33 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 7.4 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102787 | XXXXX | N/A | No | No | $3,403.69 | $3,403.69 | 6.500% | No | No | US Citizen | 2 | $12,503.52 | $3,366.00 | $1,041.96 | $280.50 | 0.000% | 0.000% | 0.000% | XXXXX | 730 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.26 | 0.79 | XXXXX | 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 | 100.03 | Yes | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000104118 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $1,645.00 | $4,951.42 | 6.848% | $1,268.78 | $1,268.78 | 6.625% | No | No | Employed | US Citizen | $2,526.70 | 1 | $1,509.00 | $2,730.00 | $125.75 | $227.50 | 41.126% | 41.126% | 41.126% | XXXXX | 697 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 1 | 0 | 0 | 0 | No | XXXXX | $1,645.00 | 6.170% | $0.00 | 2.1 | LP / LPA | Accept/Eligible | Yes | No | 6.625% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | No | 33 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Risk Score Classic 04 | No | 0.09 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100782 | XXXXX | N/A | No | No | $1,467.72 | $1,467.72 | 7.875% | No | No | US Citizen | US Citizen | 1 | $5,468.52 | $896.04 | $455.71 | $74.67 | 0.000% | 0.000% | 0.000% | XXXXX | 785 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | 1.0 | Yes | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.04 | 0.97 | XXXXX | XXXXX | 34.100% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 8.58 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102527 | XXXXX | Non QM | Yes | No | $13,570.00 | $15,262.00 | 8.553% | $7,486.44 | $10,604.09 | 10.083% | No | No | Self-Employed | US Citizen | $34,749.51 | 1 | $43,293.84 | $7,854.00 | $3,607.82 | $654.50 | 37.031% | 34.012% | 37.031% | XXXXX | 815 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 2yr P&L w/o Bank Statements | 0 | 0 | 0 | No | XXXXX | $13,570.00 | 6.530% | $0.00 | 2.2 | None | N/A | No | 10.083% | 0 | 0 | 0 | 0 | 0 | 24.00 | No | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Trustee | No | Trustee | Yes | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 18.51 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102028 | XXXXX | Non QM | Yes | No | $6,405.00 | $7,727.50 | 7.309% | $2,587.08 | $2,587.08 | 7.125% | No | No | Self-Employed | US Citizen | $6,547.14 | 1 | $2,922.84 | $699.96 | $243.57 | $58.33 | 35.662% | 35.662% | 35.662% | XXXXX | 787 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; Account Statements - Business -
2025 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 2yr P&L w/o Bank Statements | 0 | 0 | 0 | No | XXXXX | $6,405.00 | 6.260% | $5,800.00 | None | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 24.00 | No | XXXXX | XXXXX | 27.820% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 13.11 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101784 | XXXXX | Non QM | Yes | No | $16,320.00 | $5,353.81 | 6.932% | $4,598.50 | $4,598.50 | 6.875% | No | No | Employed | Permanent Resident Alien | $9,611.08 | 1 | $14,124.96 | $2,252.04 | $1,177.08 | $187.67 | 38.815% | 38.815% | 38.815% | XXXXX | 769 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $16,320.00 | 6.170% | $0.00 | None | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | No | 34 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 3.12 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000099336 | XXXXX | Non QM | Yes | No | $7,264.38 | $8,183.74 | 6.887% | $3,499.19 | $3,499.19 | 6.750% | No | No | Employed | Not Employed | US Citizen | US Citizen | $7,143.07 | 1 | $7,713.36 | $1,331.52 | $642.78 | $110.96 | 48.050% | 48.050% | 48.050% | XXXXX | 759 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $7,264.38 | 6.230% | $0.00 | None | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | No | 33 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 7.52 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102288 | XXXXX | N/A | No | No | $2,554.76 | $2,554.76 | 7.000% | No | No | US Citizen | 1 | $4,380.00 | $1,191.72 | $365.00 | $99.31 | 0.000% | 0.000% | 0.000% | XXXXX | 775 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 29.4 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100063 | XXXXX | Non QM | Yes | No | $2,375.00 | $4,276.13 | 6.804% | $4,092.65 | $4,092.65 | 6.750% | No | No | Self-Employed | Non-Permanent Resident Alien | United States of America | $10,193.83 | 1 | $13,337.28 | $1,500.12 | $1,111.44 | $125.01 | 42.634% | 42.634% | 42.634% | XXXXX | 743 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2024 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $2,375.00 | 6.160% | $0.00 | 1.0 | None | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 21.00 | No | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Employment Authorization | No | 0.06 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102218 | XXXXX | N/A | No | No | $1,091.91 | $1,091.91 | 6.750% | No | No | US Citizen | 1 | $1,208.52 | $1,461.60 | $100.71 | $121.80 | 0.000% | 0.000% | 0.000% | XXXXX | 797 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.7 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.14 | 0.88 | XXXXX | XXXXX | 12.400% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 40.54 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100349 | XXXXX | Non QM | Yes | No | $20,589.75 | $25,314.87 | 7.577% | $3,702.08 | $3,702.08 | 7.125% | No | No | Self-Employed | US Citizen | $8,700.79 | 1 | $9,812.52 | $2,550.00 | $817.71 | $212.50 | 38.779% | 38.779% | 38.779% | XXXXX | 705 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2025 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $20,589.75 | 6.160% | $5,000.00 | 1.0 | None | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | XXXXX | 3.180% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 6.47 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100668 | XXXXX | N/A | No | Yes | $4,247.80 | $5,673.01 | 7.079% | $1,021.54 | $1,021.54 | 6.750% | No | No | Employed | US Citizen | $8,077.03 | 2 | $1,160.40 | $1,266.00 | $96.70 | $105.50 | 34.762% | 34.762% | 34.762% | XXXXX | 720 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $4,247.80 | 6.160% | $0.00 | DU | ApproveEligible | No | No | 6.750% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | 71.140% | No | 33 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 71.73 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102801 | XXXXX | N/A | No | No | $1,997.06 | $1,997.06 | 6.875% | No | No | US Citizen | 1 | $2,623.08 | $2,090.04 | $218.59 | $174.17 | 0.000% | 0.000% | 0.000% | XXXXX | 782 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | XXXXX | XXXXX | 1.290% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 4.98 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100160 | XXXXX | N/A | No | No | $704.41 | $704.41 | 8.000% | No | No | US Citizen | 1 | $1,108.20 | $2,838.00 | $92.35 | $236.50 | 0.000% | 0.000% | 0.000% | XXXXX | 767 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 8.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.94 | 0.52 | XXXXX | XXXXX | 54.050% | 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 | 37.76 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100491 | XXXXX | N/A | No | Yes | $0.00 | $0.00 | 7.238% | $1,020.54 | $1,020.54 | 7.250% | No | No | Employed | US Citizen | $18,280.32 | 1 | $2,066.04 | $1,274.76 | $172.17 | $106.23 | 29.238% | 29.238% | 29.238% | XXXXX | 761 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.160% | $3,740.00 | 1.0 | LP / LPA | Accept/Eligible | Yes | No | 7.250% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | 35.630% | No | 5 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 21.1 | Yes | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000099962 | XXXXX | N/A | No | Yes | $0.00 | 6.862% | $1,069.15 | $1,069.15 | 6.875% | No | No | Non-Employment Income | Employed | US Citizen | US Citizen | $14,598.58 | 1 | $1,629.96 | $1,287.00 | $135.83 | $107.25 | 25.930% | 25.930% | 25.930% | XXXXX | 776 | No | No | [Borrower - |
Primary Income - Pension]; 1099-R - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.160% | $0.00 | 2.2 | LP / LPA | Accept/Eligible | No | No | 6.875% | 0 | 1 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | 100.000% | 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 | 261.24 | No | No | $0.00 | $14,158.68 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103153 | XXXXX | N/A | No | No | $3,174.29 | $3,174.29 | 7.249% | No | No | US Citizen | 1 | $1,848.24 | $1,086.00 | $154.02 | $90.50 | 0.000% | 0.000% | 0.000% | XXXXX | 810 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | 1.0 | N/A | No | 7.249% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.8 | 1.25 | XXXXX | XXXXX | 45.300% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 70.93 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101516 | XXXXX | N/A | No | No | $1,424.22 | $1,424.22 | 6.875% | No | No | US Citizen | 1 | $3,293.04 | $1,917.00 | $274.42 | $159.75 | 0.000% | 0.000% | 0.000% | XXXXX | 787 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | XXXXX | XXXXX | 27.640% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 30.95 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101634 | XXXXX | N/A | No | No | $4,778.21 | $4,778.21 | 7.875% | No | No | US Citizen | 1 | $7,119.36 | $1,341.00 | $593.28 | $111.75 | 0.000% | 0.000% | 0.000% | XXXXX | 709 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 3.4 | No | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.78 | 1.28 | XXXXX | 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 | 63.34 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100321 | XXXXX | N/A | No | No | $10,616.91 | $10,616.91 | 7.625% | No | No | US Citizen | 1 | $13,829.40 | $1,926.00 | $1,152.45 | $160.50 | 0.000% | 0.000% | 0.000% | XXXXX | 733 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 4.4 | Yes | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.92 | 1.08 | XXXXX | XXXXX | No | Yes | Short Form | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 8.55 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102544 | XXXXX | N/A | No | No | $633.91 | $633.91 | 6.625% | No | No | 0 | US Citizen | US Citizen | 1 | $2,633.04 | $918.96 | $219.42 | $76.58 | 0.000% | 0.000% | 0.000% | XXXXX | 762 | Level 2-Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.8 | No | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.94 | 1.06 | XXXXX | 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 | 95.3 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103089 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $9,030.00 | $10,831.88 | 9.067% | $4,767.50 | $4,767.50 | 8.875% | No | No | Employed | Non-Permanent Resident Alien | XXX | $8,280.24 | 1 | $10,981.08 | $1,550.04 | $915.09 | $129.17 | 46.579% | 46.579% | 46.579% | XXXXX | 727 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $9,030.00 | 6.650% | $0.00 | 1.0 | None | Yes | No | 8.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 26.990% | No | 12 | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Employment Authorization | 3.58 | Yes | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102919 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $12,525.00 | $14,513.33 | 8.938% | $2,694.27 | $2,694.27 | 8.500% | No | No | Self-Employed | US Citizen | $11,199.95 | 1 | $8,750.16 | $1,170.96 | $729.18 | $97.58 | 27.705% | 27.705% | 27.705% | XXXXX | 745 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2024 [Borrower - | Primary Income - P&L Statement Only]; Other - 2024 [Borrower - | Primary Income - P&L Statement Only]; Other - 2024 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2024 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $12,525.00 | 6.980% | $0.00 | 1.7 | None | No | No | 8.500% | 0 | 0 | 0 | 0 | 0 | 13.00 | No | XXXXX | XXXXX | 15.360% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 5.85 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000096181 | XXXXX | N/A | No | No | $1,114.78 | $1,114.78 | 7.625% | No | No | US Citizen | 1 | $1,810.68 | $2,381.28 | $150.89 | $198.44 | 0.000% | 0.000% | 0.000% | XXXXX | 706 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.38 | 0.73 | XXXXX | XXXXX | 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 | 24.31 | Yes | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000097134 | XXXXX | N/A | No | No | $3,287.93 | $3,287.93 | 6.875% | No | No | Permanent Resident Alien | 1 | $15,781.92 | $2,190.96 | $1,315.16 | $182.58 | 0.000% | 0.000% | 0.000% | XXXXX | 780 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | XXXXX | XXXXX | 52.280% | 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 | 34.92 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000098571 | XXXXX | N/A | No | Yes | $0.00 | 6.987% | $2,858.31 | $2,858.31 | 7.000% | No | No | Employed | US Citizen | $14,842.05 | 2 | $8,969.88 | $1,395.00 | $747.49 | $116.25 | 46.595% | 46.595% | 46.595% | XXXXX | 746 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.290% | $0.00 | DU | ApproveEligible | No | No | 7.000% | 1 | 1 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 109.88 | No | No | $0.00 | $0.00 | No | No | No | No | 6 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103032 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $25,313.00 | $31,221.88 | 8.604% | $6,484.93 | $6,484.93 | 8.250% | No | No | Employed | US Citizen | $13,912.41 | 1 | $13,285.92 | $3,498.00 | $1,107.16 | $291.50 | 36.762% | 36.762% | 36.762% | XXXXX | 798 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $25,313.00 | 6.930% | $138,000.00 | 2.4 | None | Yes | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 35.530% | No | 12 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 33.2 | Yes | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103757 | XXXXX | N/A | No | No | $1,466.31 | $1,466.31 | 6.625% | No | No | US Citizen | 1 | $3,867.72 | $1,623.00 | $322.31 | $135.25 | 0.000% | 0.000% | 0.000% | XXXXX | 780 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | XXXXX | XXXXX | 51.030% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 29.12 | Yes | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000099093 | XXXXX | N/A | No | No | $2,329.13 | $2,329.13 | 6.625% | No | No | US Citizen | 1 | $6,038.64 | $2,363.40 | $503.22 | $196.95 | 0.000% | 0.000% | 0.000% | XXXXX | 720 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.27 | 0.79 | XXXXX | 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 | 66.08 | Yes | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000099890 | XXXXX | N/A | No | Yes | $0.00 | 6.862% | $3,035.01 | $3,035.01 | 6.875% | No | No | Employed | Non-Permanent Resident Alien | $22,020.47 | 1 | $1,178.04 | $2,046.72 | $98.17 | $170.56 | 20.843% | 20.843% | 20.843% | XXXXX | 762 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.160% | $0.00 | 5.0 | DU | ApproveEligible | Yes | No | 6.875% | 1 | 1 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 49.880% | No | 34 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Employment Authorization | 50.8 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000096358 | XXXXX | N/A | No | No | $2,077.49 | $2,077.49 | 6.375% | No | No | US Citizen | 1 | $2,937.24 | $1,427.04 | $244.77 | $118.92 | 0.000% | 0.000% | 0.000% | XXXXX | 780 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.82 | 0.35 | XXXXX | XXXXX | 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 | 10.19 | Yes | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102303 | XXXXX | N/A | No | Yes | $0.00 | 7.113% | $3,784.61 | $3,784.61 | 7.125% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $10,522.02 | 1 | $3,075.00 | $722.04 | $256.25 | $60.17 | 42.899% | 42.899% | 42.899% | XXXXX | 716 | No | No | Borrower Prepared | [Borrower - |
Primary Income - Sole Proprietor]; Balance Sheet - 2025 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2025 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2025 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Other - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Paystubs - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Paystubs - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2021 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.260% | $0.00 | 1.0 | LP / LPA | Accept/Eligible | Yes | No | 7.125% | 1 | 1 | 2 | 0 | 4 | 2 | 10.00 | No | XXXXX | 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 | 29.98 | No | No | $5,174.50 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000095715 | XXXXX | N/A | No | No | $3,775.76 | $3,775.76 | 7.500% | No | No | US Citizen | 1 | $8,119.68 | $1,635.96 | $676.64 | $136.33 | 0.000% | 0.000% | 0.000% | XXXXX | 702 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.5 | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.75 | 1.33 | XXXXX | XXXXX | 0.690% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 61.85 | Retail | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103474 | XXXXX | N/A | No | No | $4,434.15 | $4,434.15 | 7.250% | No | No | US Citizen | 1 | $13,824.60 | $1,779.00 | $1,152.05 | $148.25 | 0.000% | 0.000% | 0.000% | XXXXX | 696 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | XXXXX | 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 | 7.2 | Yes | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000099541 | XXXXX | N/A | No | No | $530.89 | $530.89 | 7.125% | No | No | US Citizen | 1 | $1,023.48 | $1,112.04 | $85.29 | $92.67 | 0.000% | 0.000% | 0.000% | XXXXX | 723 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.5 | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.8 | 0.56 | XXXXX | XXXXX | 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 | 201.39 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102142 | XXXXX | N/A | No | No | $6,001.50 | $6,001.50 | 6.000% | No | No | US Citizen | US Citizen | 1 | $24,987.48 | $6,753.96 | $2,082.29 | $562.83 | 0.000% | 0.000% | 0.000% | XXXXX | 807 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | 3.3 | No | No | 6.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.77 | 1.3 | XXXXX | XXXXX | 32.680% | No | Yes | Preliminary | Fee Simple | Individual | Trustee | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 11.8 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000099347 | XXXXX | Non QM | Yes | No | $1,640.00 | $5,406.58 | 6.247% | $15,208.33 | $21,343.10 | 6.250% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $20,325.79 | 1 | $54,592.68 | $10,675.20 | $4,549.39 | $889.60 | 0.000% | 0.000% | 0.000% | XXXXX | 786 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | Yes | XXXXX | $1,640.00 | 6.240% | $0.00 | 1.0 | None | No | No | 6.250% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | 240 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Trustee | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 213.17 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 240 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100230 | XXXXX | N/A | No | Yes | $0.00 | 6.488% | $5,278.58 | $5,278.58 | 6.500% | No | No | Employed | Employed | US Citizen | US Citizen | $27,520.23 | 1 | $17,133.36 | $1,740.96 | $1,427.78 | $145.08 | 27.307% | 27.307% | 27.307% | XXXXX | 800 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - K-1 (< 25%)]; Paystubs - 2025 [Coborrower(s) - | Primary Income - K-1 (< 25%)]; K-1 - 2024 [Coborrower(s) - | Primary Income - K-1 (< 25%)]; K-1 - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 4506-C - 2022 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.160% | $0.00 | 1.3 | LP / LPA | Accept/Eligible | Yes | No | 6.500% | 2 | 0 | 1 | 0 | 3 | 2 | 0.00 | No | XXXXX | XXXXX | 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 | 125.27 | No | No | $20,426.08 | $0.00 | No | No | No | No | 4 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101813 | XXXXX | Non QM | Yes | No | $11,820.00 | $8,427.59 | 7.060% | $6,706.25 | $6,706.25 | 7.000% | No | No | Self-Employed | US Citizen | $33,973.74 | 1 | $15,750.00 | $2,216.04 | $1,312.50 | $184.67 | 25.600% | 25.600% | 25.600% | XXXXX | 819 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2025 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $11,820.00 | 6.170% | $14,000.00 | 1.9 | None | Yes | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | XXXXX | 15.910% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 10.09 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100279 | XXXXX | N/A | No | No | $1,672.11 | $1,672.11 | 7.750% | No | No | US Citizen | 2 | $9,753.36 | $3,267.00 | $812.78 | $272.25 | 0.000% | 0.000% | 0.000% | XXXXX | 670 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | No | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.1 | 0.91 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 55.83 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000081574 | XXXXX | N/A | No | No | $30,535.00 | $5,884.81 | 6.537% | $6,605.11 | $6,605.11 | 6.500% | No | No | Not Employed | Self-Employed | US Citizen | $151,952.31 | 1 | $19,313.76 | $1,190.04 | $1,609.48 | $99.17 | 30.996% | 30.996% | 30.996% | XXXXX | 771 | No | No | [Coborrower(s) - |
Primary Income - P&L Statement Only]; Business License - 2025 [Coborrower(s) - | Primary Income - P&L Statement Only]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - P&L Statement Only]; Other - 2025 [Coborrower(s) - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Coborrower(s) - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Coborrower(s) - | Primary Income - P&L Statement Only]; P&L Statement - 2025 |
Alternative Documentation (A) | 2yr P&L w/o Bank Statements | 0 | 0 | 0 | No | XXXXX | $30,535.00 | 6.260% | $0.00 | None | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 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 | 57.35 | No | No | $220,207.48 | $0.00 | No | No | No | No | 6 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000081502 | XXXXX | N/A | No | No | $54,801.50 | $7,469.98 | 6.645% | $12,428.44 | $12,428.44 | 6.625% | No | No | Not Employed | Self-Employed | US Citizen | $151,952.31 | 1 | $30,793.68 | $3,732.96 | $2,566.14 | $311.08 | 30.996% | 30.996% | 30.996% | XXXXX | 771 | No | No | [Coborrower(s) - |
Primary Income - P&L Statement Only]; Business License - 2025 [Coborrower(s) - | Primary Income - P&L Statement Only]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - P&L Statement Only]; Other - 2025 [Coborrower(s) - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Coborrower(s) - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Coborrower(s) - | Primary Income - P&L Statement Only]; P&L Statement - 2025 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $54,801.50 | 6.260% | $0.00 | None | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 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 | 14.01 | No | No | $220,207.48 | $0.00 | No | No | No | No | 6 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101782 | XXXXX | N/A | No | No | $1,440.70 | $1,440.70 | 6.625% | No | No | US Citizen | 1 | $5,713.80 | $1,282.80 | $476.15 | $106.90 | 0.000% | 0.000% | 0.000% | XXXXX | 793 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.43 | 0.7 | XXXXX | XXXXX | 50.020% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 0.32 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103212 | XXXXX | Non QM | Yes | No | $2,720.00 | $4,048.19 | 6.802% | $3,988.88 | $3,988.88 | 6.750% | No | No | Employed | Non-Permanent Resident Alien | XXX | $10,895.88 | 1 | $13,460.88 | $330.00 | $1,121.74 | $27.50 | 35.585% | 35.585% | 35.585% | XXXXX | 792 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $2,720.00 | 6.260% | $0.00 | None | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | No | 34 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Employment Authorization | No | 1.56 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100513 | XXXXX | Non QM | Yes | No | $2,720.00 | $4,001.75 | 8.240% | $2,918.69 | $3,716.14 | 9.293% | No | No | Employed | US Citizen | $7,408.48 | 1 | $7,515.60 | $1,968.96 | $626.30 | $164.08 | 40.732% | 38.788% | 40.732% | XXXXX | 765 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $2,720.00 | 6.550% | $0.00 | 1.0 | None | N/A | No | 9.293% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | No | 34 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Yes | 0.85 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000081501 | XXXXX | N/A | No | No | $36,255.00 | $6,182.03 | 6.530% | $7,995.66 | $7,995.66 | 6.500% | No | No | Not Employed | Self-Employed | US Citizen | $153,274.12 | 1 | $17,726.76 | $1,407.96 | $1,477.23 | $117.33 | 30.396% | 30.396% | 30.396% | XXXXX | 771 | No | No | [Coborrower(s) - |
Primary Income - P&L Statement Only]; Business License - 2025 [Coborrower(s) - | Primary Income - P&L Statement Only]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - P&L Statement Only]; Other - 2025 [Coborrower(s) - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Coborrower(s) - | Primary Income - P&L Statement Only]; P&L Statement - 2024 [Coborrower(s) - | Primary Income - P&L Statement Only]; P&L Statement - 2023 |
Alternative Documentation (A) | 2yr P&L w/o Bank Statements | 0 | 0 | 0 | Yes | XXXXX | $36,255.00 | 6.260% | $0.00 | 1.0 | None | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 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 | 49.82 | No | No | $220,207.48 | $0.00 | No | No | No | No | 6 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101968 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $6,315.63 | $7,640.50 | 7.074% | $2,656.01 | $2,656.01 | 6.750% | No | No | Employed | Not Employed | US Citizen | US Citizen | $30,652.28 | 1 | $9,931.92 | $7,148.16 | $827.66 | $595.68 | 28.807% | 28.807% | 28.807% | XXXXX | 770 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; Year End Summary - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; Year End Summary - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $6,315.63 | 6.260% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.750% | 2 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 20.150% | No | 33 | 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 | 5.9 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100691 | XXXXX | Non QM | Yes | No | $2,049.00 | $3,510.65 | 7.791% | $5,014.89 | $5,014.89 | 7.750% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $35,319.96 | 1 | $8,899.92 | $1,200.00 | $741.66 | $100.00 | 32.807% | 32.807% | 32.807% | XXXXX | 770 | 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: Third Party Verification | # of Bank
Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Third Party Verification | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Third Party Verification | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Third Party Verification | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Third Party Verification | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2021 [Coborrower]; 4506-C - 2020 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $2,049.00 | 6.260% | $1,850.00 | 1.7 | None | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 5 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 18.800% | 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 | 26.31 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102800 | XXXXX | N/A | No | No | $3,548.34 | $3,548.34 | 7.375% | No | No | US Citizen | 4 | $14,530.68 | $3,035.04 | $1,210.89 | $252.92 | 0.000% | 0.000% | 0.000% | XXXXX | 734 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | XXXXX | XXXXX | 3.560% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 35.11 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101805 | XXXXX | N/A | No | No | $2,463.48 | $2,463.48 | 6.875% | No | No | US Citizen | US Citizen | 1 | $7,089.36 | $1,037.04 | $590.78 | $86.42 | 0.000% | 0.000% | 0.000% | XXXXX | 743 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.02 | 0.98 | XXXXX | XXXXX | 53.670% | 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 | 18.47 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100529 | XXXXX | Non QM | Yes | No | $14,057.00 | $245.39 | 6.480% | $5,299.26 | $5,299.26 | 6.500% | No | No | Self-Employed | US Citizen | $13,878.39 | 1 | $14,729.04 | $3,018.00 | $1,227.42 | $251.50 | 45.960% | 45.960% | 45.960% | XXXXX | 810 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | 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 - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Yes | XXXXX | $14,057.00 | 6.160% | $27,000.00 | 1.6 | None | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 16.180% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 8.5 | Yes | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000099930 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $1,720.00 | $3,375.41 | 6.441% | $2,595.30 | $2,595.30 | 6.375% | No | No | Employed | US Citizen | $27,703.85 | 1 | $9,344.16 | $2,114.16 | $778.68 | $176.18 | 22.888% | 22.888% | 22.888% | XXXXX | 704 | No | No | [Borrower - |
Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,720.00 | 6.160% | $0.00 | 3.3 | DU | ApproveEligible | No | No | 6.375% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | No | 33 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Beacon 5.0 | FICO Risk Score Classic 04 | No | 223.05 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102416 | XXXXX | Non QM | Yes | No | $11,558.19 | $12,762.61 | 7.220% | $3,732.35 | $3,732.35 | 7.000% | No | No | Self-Employed | US Citizen | $53,800.79 | 1 | $8,698.20 | $2,910.36 | $724.85 | $242.53 | 14.491% | 14.491% | 14.491% | XXXXX | 729 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $11,558.19 | 6.260% | $0.00 | 1.0 | None | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | 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 | 8.08 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103271 | XXXXX | Non QM | Yes | No | $7,850.00 | $11,362.88 | 8.100% | $3,158.63 | $4,154.24 | 9.072% | No | No | Employed | Non-Permanent Resident Alien | XXX | $6,489.99 | 1 | $11,000.04 | $1,117.20 | $916.67 | $93.10 | 45.917% | 42.759% | 45.917% | XXXXX | 757 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $7,850.00 | 6.520% | $0.00 | 1.0 | None | N/A | No | 9.072% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 41.580% | No | 25 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | VISA | 0.52 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102772 | XXXXX | Non QM | Yes | No | $10,015.00 | $5,561.60 | 7.590% | $3,971.54 | $3,971.54 | 7.500% | No | No | Not Employed | Self-Employed | US Citizen | US Citizen | $8,580.36 | 1 | $10,272.72 | $0.00 | $856.06 | $0.00 | 46.439% | 46.439% | 46.439% | XXXXX | 805 | No | No | [Coborrower(s) - |
Primary Income - P&L Statement Only]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - P&L Statement Only]; Other - 2025 [Coborrower(s) - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Coborrower(s) - | Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Coborrower(s) - | Primary Income - P&L Statement Only]; P&L Statement - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $10,015.00 | 6.260% | $17,750.00 | 1.0 | None | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 44.890% | 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 | 42.39 | No | No | $16,019.82 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100800 | XXXXX | Non QM | Yes | No | $13,241.00 | $6,897.25 | 7.223% | $3,961.46 | $3,961.46 | 7.125% | No | No | Self-Employed | US Citizen | $11,793.92 | 1 | $9,257.40 | $2,642.04 | $771.45 | $220.17 | 32.695% | 32.695% | 32.695% | XXXXX | 799 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $13,241.00 | 6.160% | $5,000.00 | 1.0 | None | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | XXXXX | 20.950% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 10.97 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000099999 | XXXXX | N/A | No | No | $1,512.88 | $1,512.88 | 6.375% | No | No | US Citizen | 1 | $5,916.24 | $2,905.08 | $493.02 | $242.09 | 0.000% | 0.000% | 0.000% | XXXXX | 726 | No | No | DSCR | 1 | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.42 | 0.7 | XXXXX | XXXXX | 0.410% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 755.48 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102370 | XXXXX | N/A | No | No | $1,412.40 | $1,412.40 | 6.875% | No | No | US Citizen | 1 | $4,413.48 | $4,196.40 | $367.79 | $349.70 | 0.000% | 0.000% | 0.000% | XXXXX | 725 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.02 | 0.98 | XXXXX | XXXXX | 87.930% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 66.06 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000099166 | XXXXX | N/A | No | Yes | $3,365.60 | $4,178.20 | 7.880% | $2,213.71 | $2,213.71 | 7.750% | No | No | Employed | Employed | US Citizen | US Citizen | $8,441.79 | 1 | $1,035.24 | $1,170.00 | $86.27 | $97.50 | 49.372% | 49.372% | 49.372% | XXXXX | 707 | No | No | [Borrower - |
Primary Income - Wages]; Other - 2025 [Borrower - | Primary Income - Wages]; Other - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 [Borrower - | Non-Primary Income - Wages]; Other - 2025 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2025 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2025 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2025 [Borrower - | Non-Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Non-Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2024 [Borrower - | Non-Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2023 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 4506-C - 2022 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $3,365.60 | 6.240% | $0.00 | 1.1 | DU | ApproveEligible | No | No | 7.750% | 1 | 1 | 2 | 0 | 3 | 2 | 0.00 | No | XXXXX | XXXXX | No | 33 | 33 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 8.11 | No | No | $0.00 | $7,790.09 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102742 | XXXXX | Non QM | Yes | No | $21,258.20 | $5,721.87 | 5.835% | $3,326.37 | $3,326.37 | 5.750% | No | No | Self-Employed | US Citizen | $37,533.17 | 1 | $9,394.56 | $1,584.00 | $782.88 | $132.00 | 22.514% | 22.514% | 22.514% | XXXXX | 770 | No | Yes | 24 | Business | 100.000% | 50.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2022 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2023 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2022 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $21,258.20 | 6.260% | ($27,732.12) | 1.1 | None | Yes | No | 5.750% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | Yes | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 63.77 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000096260 | XXXXX | Higher Priced QM (APOR) | Yes | Yes | $2,262.00 | $4,047.68 | 7.991% | $1,203.57 | $1,203.57 | 7.750% | No | No | Employed | US Citizen | $6,252.17 | 1 | $2,707.20 | $2,259.36 | $225.60 | $188.28 | 49.450% | 49.450% | 49.450% | XXXXX | 676 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 [Borrower - | Non-Primary Income - Pension]; Account Statements - 2025 [Borrower - | Non-Primary Income - Pension]; Paystubs - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | XXXXX | $2,262.00 | 6.310% | $0.00 | 2.0 | DU | ApproveEligible | Yes | No | 7.750% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 15.630% | No | 33 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 3.94 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101798 | XXXXX | Non QM | Yes | No | $9,734.00 | $13,043.85 | 6.698% | $3,830.00 | $3,830.00 | 6.500% | No | No | Employed | Permanent Resident Alien | $10,758.86 | 1 | $7,713.60 | $2,610.96 | $642.80 | $217.58 | 36.713% | 36.713% | 36.713% | XXXXX | 714 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $9,734.00 | 6.170% | $0.00 | 2.3 | None | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 45.420% | No | 33 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 6.61 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000099038 | XXXXX | N/A | No | Yes | $0.00 | 7.240% | $5,501.75 | $5,501.75 | 7.250% | No | No | Employed | Self-Employed | US Citizen | US Citizen | $17,039.07 | 1 | $8,072.04 | $1,158.00 | $672.67 | $96.50 | 40.147% | 40.147% | 40.147% | XXXXX | 720 | No | No | [Borrower - |
Primary Income - Wages]; Leave and Earnings Statement (LES) - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; Leave and Earnings Statement (LES) - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025 [Borrower - | Non-Primary Income - Disability]; Award Letter / Continuance Letter - 2011 [Coborrower(s) - | Primary Income - Sole Proprietor]; Other - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; P&L Statement - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.240% | $0.00 | 1.0 | LP / LPA | Accept/Eligible | Yes | No | 7.250% | 2 | 0 | 1 | 0 | 2 | 2 | 0.00 | No | XXXXX | XXXXX | No | 21 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 33.49 | No | No | $6,679.83 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100166 | XXXXX | N/A | No | No | $898.37 | $898.37 | 6.375% | No | No | US Citizen | 1 | $1,519.32 | $1,004.04 | $126.61 | $83.67 | 0.000% | 0.000% | 0.000% | XXXXX | 745 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.26 | 0.79 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 12.58 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000104167 | XXXXX | N/A | No | No | $2,668.00 | $2,668.00 | 6.000% | No | No | US Citizen | 2 | $13,687.56 | $4,092.96 | $1,140.63 | $341.08 | 0.000% | 0.000% | 0.000% | XXXXX | 798 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 6.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.83 | 0.55 | XXXXX | XXXXX | 80.380% | No | Yes | Final | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 12.73 | Yes | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000094705 | XXXXX | N/A | No | No | $1,563.57 | $1,563.57 | 7.750% | No | No | US Citizen | 1 | $3,714.60 | $1,626.00 | $309.55 | $135.50 | 0.000% | 0.000% | 0.000% | XXXXX | 804 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.24 | 0.8 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 106.33 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101627 | XXXXX | N/A | No | No | $675.06 | $675.06 | 8.000% | No | No | US Citizen | 1 | $1,668.12 | $716.28 | $139.01 | $59.69 | 0.000% | 0.000% | 0.000% | XXXXX | 759 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 8.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.6 | 0.62 | XXXXX | XXXXX | 45.070% | 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 | 28.32 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101103 | XXXXX | N/A | No | No | $2,154.73 | $2,154.73 | 6.875% | No | No | US Citizen | 1 | $4,389.12 | $1,298.04 | $365.76 | $108.17 | 0.000% | 0.000% | 0.000% | XXXXX | 734 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.09 | 0.92 | XXXXX | XXXXX | 0.970% | 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 | 223.49 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102708 | XXXXX | Non QM | Yes | No | $3,965.00 | $3,764.86 | 6.727% | $2,081.01 | $2,081.01 | 6.625% | No | No | Self-Employed | Permanent Resident Alien | $7,514.24 | 1 | $8,124.96 | $799.08 | $677.08 | $66.59 | 29.291% | 29.291% | 29.291% | XXXXX | 747 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $3,965.00 | 6.260% | $9,750.00 | 1.0 | None | N/A | No | 6.625% | 0 | 0 | 0 | 3 | 0 | 12.00 | No | XXXXX | XXXXX | 10.160% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 6.88 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000099587 | XXXXX | N/A | No | No | $20,494.40 | $6,097.00 | 6.651% | $2,765.60 | $2,765.60 | 6.375% | No | No | Not Employed | Employed | US Citizen | $14,628.61 | 2 | $5,736.60 | $1,672.32 | $478.05 | $139.36 | 43.910% | 43.910% | 43.910% | XXXXX | 801 | No | No | [Coborrower(s) - |
Primary Income - Wages]; Other - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $20,494.40 | 5.680% | $3,300.00 | None | N/A | No | 6.375% | 0 | 2 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 26.140% | No | 21 | 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 | 53.58 | No | No | $0.00 | $26,080.44 | No | No | No | No | 4 | 180 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101426 | XXXXX | Non QM | Yes | No | $1,640.00 | $5,135.78 | 7.330% | $1,599.24 | $1,599.24 | 7.125% | No | No | Non-Employment Income | US Citizen | $3,708.63 | 1 | $4,755.96 | $792.96 | $396.33 | $66.08 | 39.974% | 39.974% | 39.974% | XXXXX | 824 | No | No | [Borrower - |
Primary Income - Pension]; Award Letter / Continuance Letter - 2025 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.170% | $0.00 | 1.5 | None | Yes | No | 7.125% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 97.35 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100665 | XXXXX | Non QM | Yes | No | $5,112.08 | $8,794.39 | 7.049% | $3,099.06 | $3,099.06 | 6.875% | No | No | Self-Employed | US Citizen | $15,387.76 | 1 | $7,699.20 | $0.00 | $641.60 | $0.00 | 21.820% | 21.820% | 21.820% | XXXXX | 788 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $5,112.08 | 6.160% | $3,600.00 | 2.6 | None | No | No | 6.875% | 0 | 0 | 0 | 2 | 0 | 12.00 | No | XXXXX | XXXXX | 78.250% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 76.1 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102342 | XXXXX | N/A | No | No | $3,891.19 | $3,891.19 | 6.749% | No | No | US Citizen | US Citizen | 1 | $32,874.96 | $2,589.12 | $2,739.58 | $215.76 | 0.000% | 0.000% | 0.000% | XXXXX | 809 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | 2.9 | No | No | 6.749% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.02 | 0.98 | XXXXX | XXXXX | 75.090% | 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 | 350.42 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000096349 | XXXXX | N/A | No | No | $1,174.68 | $1,174.68 | 7.500% | No | No | US Citizen | 1 | $2,848.32 | $1,214.04 | $237.36 | $101.17 | 0.000% | 0.000% | 0.000% | XXXXX | 739 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.43 | 0.7 | XXXXX | XXXXX | 30.150% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 26.1 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101535 | XXXXX | Non QM | Yes | No | $1,640.00 | $5,463.74 | 6.787% | $6,901.08 | $6,901.08 | 6.750% | No | No | Employed | Employed | US Citizen | US Citizen | $12,665.90 | 1 | $11,202.12 | $2,210.04 | $933.51 | $184.17 | 39.510% | 39.510% | 39.510% | XXXXX | 763 | No | No | [Borrower - |
Primary Income - Wages]; Leave and Earnings Statement (LES) - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; Leave and Earnings Statement (LES) - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.160% | $0.00 | 1.0 | None | Yes | No | 6.750% | 2 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | 47.780% | No | 34 | 34 | 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 | 44.39 | Yes | No | $0.00 | $10,601.07 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102763 | XXXXX | N/A | No | No | $877.87 | $877.87 | 6.625% | No | No | US Citizen | 1 | $4,117.08 | $675.96 | $343.09 | $56.33 | 0.000% | 0.000% | 0.000% | XXXXX | 756 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.29 | 0.77 | XXXXX | XXXXX | 44.360% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 12.26 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102452 | XXXXX | Non QM | Yes | No | $1,640.00 | $2,972.90 | 6.663% | $3,291.20 | $3,291.20 | 6.625% | No | No | Employed | Not Employed | US Citizen | US Citizen | $22,718.20 | 1 | $3,605.52 | $879.96 | $300.46 | $73.33 | 17.858% | 17.858% | 17.858% | XXXXX | 768 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2021 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.260% | $0.00 | 2.6 | None | No | No | 6.625% | 2 | 0 | 0 | 0 | 4 | 0 | 0.00 | No | XXXXX | XXXXX | 83.080% | No | 30 | Yes | Commitment | Fee Simple | Individual | Trustee | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 91.74 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100517 | XXXXX | N/A | No | Yes | $0.00 | 5.992% | $2,400.07 | $2,400.07 | 6.000% | No | No | Employed | US Citizen | $7,394.00 | 1 | $4,910.40 | $1,733.64 | $409.20 | $144.47 | 38.895% | 38.895% | 38.895% | XXXXX | 797 | No | No | [Borrower - |
Primary Income - Wages]; Other - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.160% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.000% | 1 | 1 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 409.43 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100772 | XXXXX | Non QM | Yes | No | $1,640.00 | $6,715.65 | 6.556% | $5,557.14 | $5,557.14 | 6.500% | No | No | Self-Employed | US Citizen | $36,614.35 | 1 | $11,928.36 | $4,404.96 | $994.03 | $367.08 | 33.732% | 33.732% | 33.732% | XXXXX | 783 | No | Yes | 36 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 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]; 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]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Borrower]; 1084 or income worksheet - Year Not Available [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.160% | $4,990.00 | 4.6 | None | Yes | No | 6.500% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | Yes | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 203.03 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100122 | XXXXX | N/A | No | No | $1,520.79 | $1,520.79 | 7.500% | No | No | US Citizen | 1 | $4,061.04 | $1,089.00 | $338.42 | $90.75 | 0.000% | 0.000% | 0.000% | XXXXX | 695 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.08 | 0.93 | XXXXX | XXXXX | 88.340% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 86.77 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102479 | XXXXX | N/A | No | No | $606.07 | $606.07 | 7.701% | No | No | US Citizen | 1 | $4,660.92 | $257.04 | $388.41 | $21.42 | 0.000% | 0.000% | 0.000% | XXXXX | 809 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.5 | Yes | No | 7.701% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.99 | 1.01 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 65.63 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000096039 | XXXXX | N/A | No | Yes | $0.00 | 6.491% | $1,757.36 | $1,757.36 | 6.500% | No | No | Employed | US Citizen | $13,703.42 | 3 | $4,993.56 | $5,526.48 | $416.13 | $460.54 | 45.459% | 45.459% | 45.459% | XXXXX | 797 | 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]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Tax Return Extension - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.230% | $0.00 | DU | ApproveEligible | N/A | No | 6.500% | 1 | 1 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 81.02 | No | No | $0.00 | $0.00 | No | No | No | No | 5 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100336 | XXXXX | N/A | No | No | $2,118.07 | $2,118.07 | 7.625% | No | No | US Citizen | 1 | $7,078.80 | $756.96 | $589.90 | $63.08 | 0.000% | 0.000% | 0.000% | XXXXX | 756 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.95 | 1.05 | XXXXX | XXXXX | 23.310% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 17.84 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100102 | XXXXX | Non QM | Yes | No | $1,640.00 | $1,477.90 | 6.645% | $2,208.43 | $2,208.43 | 6.625% | No | No | Employed | US Citizen | $8,471.61 | 1 | $6,663.48 | $716.04 | $555.29 | $59.67 | 27.901% | 27.901% | 27.901% | XXXXX | 801 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.160% | $7,500.00 | 2.7 | None | No | No | 6.625% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | 69.640% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 53.74 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000099078 | XXXXX | N/A | No | No | $2,358.01 | $2,358.01 | 7.125% | No | No | 0 | 0 | Non-Permanent Resident Alien | US Citizen | US Citizen | 2 | $7,334.40 | $1,256.04 | $611.20 | $104.67 | 0.000% | 0.000% | 0.000% | XXXXX | 746 | Level 4-Stated/Verified as defined | Level 3-Stated/Partially Verified | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.98 | 1.02 | XXXXX | XXXXX | 53.150% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 141.2 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000097290 | XXXXX | N/A | No | No | $5,532.31 | $5,532.31 | 7.375% | No | No | US Citizen | 1 | $15,197.64 | $759.00 | $1,266.47 | $63.25 | 0.000% | 0.000% | 0.000% | XXXXX | 778 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.61 | 1.63 | XXXXX | XXXXX | 64.180% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 46.36 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102185 | XXXXX | Non QM | Yes | No | $10,681.75 | $12,376.28 | 6.688% | $3,882.48 | $3,882.48 | 6.500% | No | No | Self-Employed | Permanent Resident Alien | $24,409.88 | 1 | $18,064.44 | $1,135.08 | $1,505.37 | $94.59 | 18.436% | 18.436% | 18.436% | XXXXX | 762 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $10,681.75 | 6.260% | $0.00 | 2.0 | None | Yes | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 11.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 3.83 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000098167 | XXXXX | N/A | No | Yes | $0.00 | 6.367% | $3,280.25 | $3,280.25 | 6.375% | No | No | Employed | Employed | US Citizen | US Citizen | $29,982.47 | 1 | $4,897.80 | $2,691.00 | $408.15 | $224.25 | 25.855% | 25.855% | 25.855% | XXXXX | 794 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.290% | $0.00 | DU | Yes | ApproveEligible | No | No | 6.375% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | No | 33 | 33 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 481.02 | No | No | $0.00 | $24,462.21 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102661 | XXXXX | Non QM | Yes | No | $1,468.00 | $2,528.86 | 6.694% | $4,577.86 | $4,577.86 | 6.625% | No | No | Self-Employed | US Citizen | $78,640.15 | 2 | $19,236.00 | $2,850.00 | $1,603.00 | $237.50 | 15.948% | 15.948% | 15.948% | XXXXX | 782 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements
Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Yes | XXXXX | $1,468.00 | 5.640% | $0.00 | None | No | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | 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 | 15.74 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 180 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100877 | XXXXX | N/A | No | No | $1,006.87 | $1,006.87 | 7.500% | No | No | US Citizen | 1 | $3,691.56 | $1,056.96 | $307.63 | $88.08 | 0.000% | 0.000% | 0.000% | XXXXX | 772 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.21 | 0.83 | XXXXX | XXXXX | 33.120% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 9.11 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102627 | XXXXX | N/A | No | No | $3,310.92 | $3,310.92 | 6.875% | No | No | US Citizen | 1 | $10,625.04 | $1,701.24 | $885.42 | $141.77 | 0.000% | 0.000% | 0.000% | XXXXX | 750 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.86 | 1.16 | XXXXX | XXXXX | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 153.99 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000098461 | XXXXX | N/A | No | No | $2,674.50 | $2,674.50 | 7.500% | No | No | US Citizen | 1 | $11,312.40 | $2,128.32 | $942.70 | $177.36 | 0.000% | 0.000% | 0.000% | XXXXX | 790 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.6 | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.84 | 1.19 | XXXXX | XXXXX | 78.070% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 63.67 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100498 | XXXXX | N/A | No | Yes | $0.00 | $0.00 | 6.864% | $1,724.44 | $1,724.44 | 6.875% | No | No | Non-Employment Income | Self-Employed | US Citizen | US Citizen | $5,904.71 | 1 | $5,334.48 | $1,170.60 | $444.54 | $97.55 | 41.758% | 41.758% | 41.758% | XXXXX | 761 | No | No | [Borrower - |
Primary Income - Social Security]; Award Letter / Continuance Letter -
2025 [Borrower - | Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Coborrower(s) - | Non-Primary Income - IRA Distribution]; Account Statements - 2025 [Coborrower(s) - | Non-Primary Income - IRA Distribution]; Account Statements - 2025 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Full Doc 1yr - AUS | 0 | 0 | 0 | No | XXXXX | 6.160% | $1,000.00 | 1.6 | DU | ApproveEligible | No | No | 6.875% | 0 | 0 | 1 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | 53.020% | 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 | 28.61 | No | No | $5,654.17 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000099387 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $0.00 | $1,999.55 | 6.636% | $4,347.71 | $4,347.71 | 6.625% | No | No | Employed | Permanent Resident Alien | $45,400.90 | 2 | $13,659.24 | $3,307.80 | $1,138.27 | $275.65 | 27.359% | 27.359% | 27.359% | XXXXX | 806 | 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]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.230% | $0.00 | DU | ApproveEligible | No | No | 6.625% | 1 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | No | 20 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | No | 205.63 | No | No | $0.00 | $0.00 | No | No | No | No | 5 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102161 | XXXXX | N/A | No | No | $1,592.54 | $1,592.54 | 7.625% | No | No | US Citizen | US Citizen | 1 | $2,627.04 | $1,272.96 | $218.92 | $106.08 | 0.000% | 0.000% | 0.000% | XXXXX | 740 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.96 | 1.05 | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 263.95 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100748 | XXXXX | N/A | No | No | $948.28 | $948.28 | 6.375% | No | No | US Citizen | 1 | $1,337.76 | $1,341.96 | $111.48 | $111.83 | 0.000% | 0.000% | 0.000% | XXXXX | 745 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.1 | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.28 | 0.78 | XXXXX | XXXXX | 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 | 9.51 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101248 | XXXXX | N/A | No | No | $1,414.81 | $1,414.81 | 7.125% | No | No | Permanent Resident Alien | Permanent Resident Alien | 4 | $13,845.48 | $2,529.12 | $1,153.79 | $210.76 | 0.000% | 0.000% | 0.000% | XXXXX | 815 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.94 | 0.51 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 64.86 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000099658 | XXXXX | N/A | No | No | $725.07 | $725.07 | 7.875% | No | No | US Citizen | 1 | $2,992.20 | $1,797.96 | $249.35 | $149.83 | 0.000% | 0.000% | 0.000% | XXXXX | 712 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.4 | Yes | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.33 | 0.75 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 80.66 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100134 | XXXXX | N/A | No | No | $842.82 | $842.82 | 8.000% | No | No | US Citizen | 1 | $2,636.04 | $1,491.96 | $219.67 | $124.33 | 0.000% | 0.000% | 0.000% | XXXXX | 705 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 8.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.93 | 1.08 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 6.62 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000092618 | XXXXX | N/A | No | No | $3,645.95 | $3,645.95 | 6.875% | No | No | US Citizen | US Citizen | 1 | $8,990.64 | $1,131.00 | $749.22 | $94.25 | 0.000% | 0.000% | 0.000% | XXXXX | 691 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.6 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.94 | 1.07 | XXXXX | XXXXX | 47.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 7.95 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000096673 | XXXXX | N/A | No | No | $1,131.01 | $1,131.01 | 7.000% | No | No | US Citizen | US Citizen | 1 | $3,765.96 | $5,393.04 | $313.83 | $449.42 | 0.000% | 0.000% | 0.000% | XXXXX | 778 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.65 | 0.6 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 65.99 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101096 | XXXXX | N/A | No | Yes | $0.00 | 6.739% | $3,194.99 | $3,194.99 | 6.750% | No | No | Non-Employment Income | US Citizen | $10,507.49 | 1 | $8,098.68 | $0.00 | $674.89 | $0.00 | 41.104% | 41.104% | 41.104% | XXXXX | 777 | No | No | [Borrower - |
Non-Primary Income - Social Security]; Account Statements - 2025 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Borrower - | Non-Primary Income - IRA Distribution]; Account Statements - 2025 [Borrower - | Non-Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2025 [Borrower - | Non-Primary Income - IRA Distribution]; Account Statements - 2024 [Borrower - | Non-Primary Income - IRA Distribution]; Account Statements - 2024 [Borrower - | Primary Income - IRA Distribution]; Account Statements - 2025 [Borrower - | Non-Primary Income - IRA Distribution]; Account Statements - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 |
Full Documentation (F) | Full Doc 1yr - AUS | 0 | 0 | 0 | No | XXXXX | 6.170% | $0.00 | 5.0 | DU | ApproveEligible | No | No | 6.750% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Trustee | No | Trustee | No | No | Beacon 5.0 | FICO Risk Score Classic 04 | 339.09 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102389 | XXXXX | N/A | No | No | $3,114.92 | $3,114.92 | 7.375% | No | No | US Citizen | 1 | $7,772.88 | $1,194.00 | $647.74 | $99.50 | 0.000% | 0.000% | 0.000% | XXXXX | 778 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.4 | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.66 | 1.51 | XXXXX | XXXXX | 32.030% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 47.19 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103278 | XXXXX | N/A | No | Yes | $0.00 | 7.614% | $4,954.56 | $4,954.56 | 7.625% | No | No | Non-Employment Income | Employed | US Citizen | US Citizen | $12,515.26 | 1 | $9,868.80 | $1,893.96 | $822.40 | $157.83 | 46.855% | 46.855% | 46.855% | XXXXX | 742 | No | No | [Coborrower(s) - |
Primary Income - Wages]; Other - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; Restricted Stock Agreement - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.230% | $0.00 | 1.0 | DU | ApproveEligible | N/A | No | 7.625% | 0 | 2 | 2 | 0 | 2 | 2 | 0.00 | No | XXXXX | XXXXX | 87.950% | No | 34 | 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 | 99.26 | No | $0.00 | $21,676.05 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000099110 | XXXXX | N/A | No | No | $1,099.04 | $1,099.04 | 6.875% | No | No | US Citizen | 1 | $4,006.20 | $431.04 | $333.85 | $35.92 | 0.000% | 0.000% | 0.000% | XXXXX | 779 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.11 | 0.9 | XXXXX | XXXXX | 56.740% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 30.02 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000099160 | XXXXX | N/A | No | No | $1,415.76 | $1,415.76 | 7.000% | No | No | US Citizen | US Citizen | 1 | $1,201.32 | $555.96 | $100.11 | $46.33 | 0.000% | 0.000% | 0.000% | XXXXX | 800 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.5 | Yes | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.87 | 1.15 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 124.43 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103329 | XXXXX | N/A | No | No | $3,837.24 | $3,837.24 | 7.250% | No | No | US Citizen | 1 | $10,274.04 | $5,956.68 | $856.17 | $496.39 | 0.000% | 0.000% | 0.000% | XXXXX | 705 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.8 | 1.25 | XXXXX | XXXXX | 0.660% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 16.35 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101778 | XXXXX | Non QM | Yes | No | $9,365.00 | $10,469.38 | 7.035% | $2,270.09 | $2,270.09 | 6.750% | No | No | Employed | US Citizen | $4,589.12 | 1 | $8,056.44 | $1,241.04 | $671.37 | $103.42 | 41.165% | 41.165% | 41.165% | XXXXX | 799 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $9,365.00 | 6.170% | $0.00 | 1.0 | None | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | No | 24 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 49.74 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102379 | XXXXX | Non QM | Yes | No | $2,620.00 | $6,006.80 | 7.404% | $10,083.86 | $10,083.86 | 7.375% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $195,451.61 | 1 | $6,415.08 | $4,371.96 | $534.59 | $364.33 | 7.098% | 7.098% | 7.098% | XXXXX | 763 | No | Yes | 12 | Business | 100.000% | 70.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 70.00% | 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: 70.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 70.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 70.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 70.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $2,620.00 | 6.260% | $0.00 | None | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 27.210% | 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 | 38.01 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000098878 | XXXXX | Higher Priced QM (APOR) | Yes | Yes | $4,250.00 | $0.00 | 8.318% | $3,185.07 | $3,185.07 | 7.625% | No | No | Self-Employed | US Citizen | $53,589.58 | 1 | $2,775.72 | $5,544.96 | $231.31 | $462.08 | 23.840% | 23.840% | 23.840% | XXXXX | 679 | No | No | [Borrower - |
Primary Income - S-Corp (>= 25%)]; Other - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Paystubs - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $4,250.00 | 6.240% | $12,000.00 | 1.1 | DU | ApproveEligible | Yes | No | 7.625% | 2 | 2 | 0 | 2 | 2 | No | Not Stated | XXXXX | XXXXX | 22.650% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 14.79 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101800 | XXXXX | N/A | No | No | $11,661.60 | $4,709.19 | 6.735% | $2,397.32 | $2,397.32 | 6.625% | No | No | Employed | US Citizen | $3,942.70 | 1 | $5,850.00 | $4,907.04 | $487.50 | $408.92 | 47.638% | 47.638% | 47.638% | XXXXX | 816 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | Yes | XXXXX | $11,661.60 | 6.220% | $5,000.00 | 2.3 | None | Yes | No | 6.625% | 1 | 1 | 0 | 2 | 1 | 0.00 | No | XXXXX | XXXXX | 34.920% | No | 25 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 45.49 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100257 | XXXXX | Non QM | Yes | No | $1,740.00 | $8,251.08 | 7.144% | $17,826.59 | $17,826.59 | 7.125% | No | No | Self-Employed | US Citizen | $37,241.24 | 1 | $35,394.48 | $21,353.04 | $2,949.54 | $1,779.42 | 39.366% | 39.366% | 39.366% | XXXXX | 755 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2025 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | Yes | XXXXX | $1,740.00 | 6.160% | $0.00 | 2.8 | None | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 13.68 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000098751 | XXXXX | Non QM | Yes | No | $0.00 | $3,027.70 | 6.625% | $10,501.10 | $10,501.10 | 6.625% | No | No | Employed | Self-Employed | US Citizen | US Citizen | $22,350.97 | 1 | $25,231.44 | $5,325.96 | $2,102.62 | $443.83 | 38.209% | 38.209% | 38.209% | XXXXX | 799 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Sole Proprietor]; Other - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; P&L Statement - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.290% | $0.00 | 1.0 | None | Yes | No | 6.625% | 1 | 0 | 2 | 0 | 2 | 2 | 0.00 | No | XXXXX | XXXXX | No | 12 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 17.21 | No | No | $14,088.67 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100662 | XXXXX | Non QM | Yes | No | $4,845.00 | $7,162.05 | 8.018% | $8,868.29 | $10,018.59 | 8.525% | No | No | Self-Employed | US Citizen | $49,392.77 | 1 | $38,336.16 | $2,127.00 | $3,194.68 | $177.25 | 21.491% | 22.267% | 21.491% | XXXXX | 803 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Non-Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Non-Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Non-Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Non-Primary Income - P&L Statement Only]; Third Party Verification - 2025 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | Yes | XXXXX | $4,845.00 | 6.550% | $0.00 | None | N/A | No | 8.525% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | XXXXX | 24.820% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 2.86 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000087905 | XXXXX | Non QM | Yes | No | $10,675.59 | $6,432.58 | 8.569% | $1,654.64 | $1,654.64 | 8.262% | No | No | Self-Employed | US Citizen | $8,004.14 | 1 | $3,171.96 | $2,402.04 | $264.33 | $200.17 | 37.580% | 37.580% | 37.580% | XXXXX | 713 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 16.00000% | 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: 16.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 16.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $10,675.59 | 6.230% | $0.00 | 1.5 | None | Yes | No | 8.262% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | 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 | 37.3 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101400 | XXXXX | N/A | No | No | $2,045.41 | $2,045.41 | 7.125% | No | No | US Citizen | 1 | $1,646.16 | $788.04 | $137.18 | $65.67 | 0.000% | 0.000% | 0.000% | XXXXX | 770 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.1 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.02 | 0.98 | XXXXX | XXXXX | 26.340% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 10.44 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000099902 | XXXXX | N/A | No | No | $898.95 | $898.95 | 6.750% | No | No | Permanent Resident Alien | 1 | $6,179.40 | $1,334.52 | $514.95 | $111.21 | 0.000% | 0.000% | 0.000% | XXXXX | 770 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.21 | 0.83 | XXXXX | XXXXX | 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 | 397.2 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101461 | XXXXX | Non QM | Yes | No | $6,036.00 | $6,677.04 | 6.909% | $1,444.54 | $1,444.54 | 6.625% | No | No | Employed | Permanent Resident Alien | $4,334.20 | 1 | $5,762.16 | $3,492.96 | $480.18 | $291.08 | 45.823% | 45.823% | 45.823% | XXXXX | 805 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $6,036.00 | 6.260% | $0.00 | 1.0 | None | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 36.620% | No | 34 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 18.01 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101284 | XXXXX | N/A | No | Yes | $0.00 | 6.864% | $2,322.24 | $2,322.24 | 6.875% | No | No | Employed | Not Employed | US Citizen | US Citizen | $50,130.01 | 1 | $2,032.80 | $0.00 | $169.40 | $0.00 | 21.903% | 21.903% | 21.903% | XXXXX | 797 | No | 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]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.170% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.875% | 1 | 0 | 1 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | No | 33 | 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 | 324.94 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100359 | XXXXX | Non QM | Yes | No | $2,190.00 | $4,224.94 | 7.250% | $2,099.31 | $2,099.31 | 7.125% | No | No | Self-Employed | US Citizen | $4,817.22 | 1 | $1,862.64 | $1,086.00 | $155.22 | $90.50 | 41.348% | 41.348% | 41.348% | XXXXX | 791 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $2,190.00 | 6.160% | $5,250.00 | 1.0 | None | Yes | No | 7.125% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 38.990% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 27.71 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101883 | XXXXX | N/A | No | No | $1,302.21 | $1,302.21 | 7.624% | No | No | US Citizen | 1 | $4,564.08 | $713.04 | $380.34 | $59.42 | 0.000% | 0.000% | 0.000% | XXXXX | 744 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | 1.0 | No | No | 7.624% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.44 | 0.7 | XXXXX | XXXXX | 4.950% | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 4.58 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100744 | XXXXX | Non QM | Yes | No | $1,640.00 | $3,122.88 | 6.535% | $4,171.65 | $4,171.65 | 6.500% | No | No | Employed | Employed | US Citizen | US Citizen | $12,106.05 | 1 | $19,439.04 | $2,514.00 | $1,619.92 | $209.50 | 35.349% | 35.349% | 35.349% | XXXXX | 779 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.170% | $1,000.00 | 1.0 | None | Yes | No | 6.500% | 2 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | 90.790% | No | 33 | 28 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 89.32 | Yes | No | $0.00 | $10,250.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102154 | XXXXX | N/A | No | No | $7,763.75 | $9,650.18 | 7.956% | $3,277.59 | $3,277.59 | 7.750% | No | No | Self-Employed | US Citizen | $70,084.96 | 1 | $4,089.84 | $833.04 | $340.82 | $69.42 | 23.558% | 23.558% | 23.558% | XXXXX | 710 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $7,763.75 | 6.260% | $3,500.00 | 1.0 | None | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 0.810% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 432.03 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101796 | XXXXX | Non QM | Yes | No | $2,230.00 | $2,575.00 | 7.167% | $4,177.05 | $4,177.05 | 7.125% | No | No | Employed | Permanent Resident Alien | $5,464.75 | 1 | $6,460.56 | $1,893.84 | $538.38 | $157.82 | 47.955% | 47.955% | 47.955% | XXXXX | 804 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $2,230.00 | 6.170% | $0.00 | 1.0 | None | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | No | 33 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | No | 65.66 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101712 | XXXXX | Non QM | Yes | No | $4,784.63 | $5,967.89 | 7.526% | $1,449.62 | $1,449.62 | 7.250% | No | No | Self-Employed | US Citizen | $6,561.94 | 1 | $4,680.00 | $1,051.56 | $390.00 | $87.63 | 23.065% | 23.065% | 23.065% | XXXXX | 795 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $4,784.63 | 6.170% | $0.00 | 1.0 | None | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 49.970% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 22.69 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100340 | XXXXX | N/A | No | No | $9,404.60 | $4,017.65 | 7.742% | $2,264.94 | $2,264.94 | 7.625% | No | No | Self-Employed | US Citizen | $26,972.78 | 1 | $5,000.04 | $2,753.04 | $416.67 | $229.42 | 34.930% | 34.930% | 34.930% | XXXXX | 768 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $9,404.60 | 6.160% | $0.00 | 1.0 | None | Yes | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 28.970% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 17.43 | No | No | $0.00 | $0.00 | No | No | No | No | 5 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102810 | XXXXX | N/A | No | No | $2,317.69 | $2,317.69 | 7.250% | No | No | US Citizen | 1 | $5,427.96 | $2,984.04 | $452.33 | $248.67 | 0.000% | 0.000% | 0.000% | XXXXX | 744 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.5 | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.16 | 0.86 | XXXXX | XXXXX | 96.470% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 103.62 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102752 | XXXXX | N/A | No | No | $1,050.00 | $2,609.90 | 7.833% | $6,743.51 | $7,488.23 | 8.072% | No | No | Not Employed | Self-Employed | US Citizen | $16,205.60 | 1 | $19,732.68 | $1,215.48 | $1,644.39 | $101.29 | 37.602% | 47.938% | 37.602% | XXXXX | 772 | No | Yes | 12 | Business | 100.000% | 100.000% | [Coborrower(s) - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements
Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2001 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $1,050.00 | 6.770% | $0.00 | 1.0 | None | Yes | No | 8.072% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 23.560% | No | Yes | Preliminary | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 18.35 | No | No | $25,971.37 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100577 | XXXXX | Non QM | Yes | No | $5,145.00 | $6,813.00 | 6.773% | $2,881.40 | $2,881.40 | 6.625% | No | No | Not Employed | Employed | US Citizen | US Citizen | $7,481.33 | 1 | $6,802.20 | $2,213.04 | $566.85 | $184.42 | 44.583% | 44.583% | 44.583% | XXXXX | 756 | No | No | [Coborrower(s) - |
Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2025 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $5,145.00 | 6.160% | $0.00 | 1.0 | None | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | No | 33 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 39.17 | No | $0.00 | $13,500.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102812 | XXXXX | N/A | No | No | $63,890.00 | $8,433.50 | 6.692% | $7,875.82 | $7,875.82 | 6.625% | No | No | Self-Employed | US Citizen | $148,166.84 | 1 | $24,375.00 | $3,504.00 | $2,031.25 | $292.00 | 8.963% | 8.963% | 8.963% | XXXXX | 816 | 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]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $63,890.00 | 6.230% | $4,000.00 | 1.5 | None | N/A | No | 6.625% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 50.690% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 24.78 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101704 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $1,840.00 | $2,849.30 | 6.548% | $2,661.32 | $2,661.32 | 6.500% | No | No | Employed | Non-Employment Income | US Citizen | US Citizen | $34,783.23 | 1 | $3,349.44 | $3,087.96 | $279.12 | $257.33 | 18.295% | 18.295% | 18.295% | XXXXX | 763 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Non-Primary Income - Annuity]; Account Statements - 2025 [Borrower - | Non-Primary Income - Annuity]; Award Letter / Continuance Letter - 2025 [Borrower - | Non-Primary Income - Social Security]; Account Statements - 2025 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Coborrower(s) - | Primary Income - Social Security]; Account Statements - 2025 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Coborrower(s) - | Non-Primary Income - Annuity]; Account Statements - 2025 [Coborrower(s) - | Non-Primary Income - Annuity]; Award Letter / Continuance Letter - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,840.00 | 6.170% | $0.00 | 2.0 | LP / LPA | Accept/Eligible | Yes | No | 6.500% | 2 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 63.230% | No | 34 | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 54.95 | No | No | $15,049.60 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102935 | XXXXX | Non QM | Yes | No | $12,145.00 | $15,207.01 | 6.951% | $4,861.89 | $4,861.89 | 6.750% | No | No | Self-Employed | US Citizen | $12,122.63 | 1 | $11,712.48 | $2,529.96 | $976.04 | $210.83 | 35.752% | 35.752% | 35.752% | XXXXX | 796 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $12,145.00 | 6.230% | $0.00 | 1.0 | None | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | XXXXX | 27.290% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 6.49 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101467 | XXXXX | Non QM | Yes | No | $13,307.70 | $16,228.93 | 6.669% | $2,278.15 | $2,278.15 | 6.250% | No | No | Self-Employed | US Citizen | $3,883.35 | 1 | $9,624.96 | $1,937.04 | $802.08 | $161.42 | 46.657% | 46.657% | 46.657% | XXXXX | 693 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $13,307.70 | 6.170% | $5,000.00 | 1.3 | None | N/A | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | XXXXX | 58.360% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 9.37 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100563 | XXXXX | Non QM | Yes | No | $17,745.00 | $9,251.88 | 6.507% | $4,055.15 | $4,055.15 | 6.375% | No | No | Self-Employed | Permanent Resident Alien | $5,047.82 | 1 | $3,160.20 | $5,074.92 | $263.35 | $422.91 | 48.645% | 48.645% | 48.645% | XXXXX | 751 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $17,745.00 | 6.160% | $10,000.00 | None | No | No | 6.375% | 0 | 0 | 0 | 3 | 0 | 13.00 | No | XXXXX | XXXXX | 16.340% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 33.02 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101923 | XXXXX | N/A | No | No | $4,719.70 | $4,719.70 | 7.500% | No | No | US Citizen | 1 | $18,832.92 | $2,037.96 | $1,569.41 | $169.83 | 0.000% | 0.000% | 0.000% | XXXXX | 780 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.79 | 1.27 | XXXXX | XXXXX | 4.930% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 6.87 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103050 | XXXXX | N/A | No | No | $1,361.32 | $2,543.37 | 8.004% | $1,339.93 | $1,339.93 | 7.875% | No | No | Self-Employed | US Citizen | $70,585.51 | 1 | $1,278.72 | $1,385.04 | $106.56 | $115.42 | 7.659% | 7.659% | 7.659% | XXXXX | 744 | No | Yes | 12 | Business | 100.000% | 80.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 80.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 80.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 80.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $1,361.32 | 6.230% | $500.00 | 1.3 | None | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 30.860% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 11.94 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101391 | XXXXX | N/A | No | Yes | $2,076.00 | $3,991.69 | 6.905% | $6,035.53 | $6,035.53 | 6.875% | No | No | Employed | US Citizen | $17,550.11 | 1 | $14,325.12 | $1,394.04 | $1,193.76 | $116.17 | 36.802% | 36.802% | 36.802% | XXXXX | 770 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $2,076.00 | 6.170% | $0.00 | 2.6 | DU | ApproveEligible | No | No | 6.875% | 1 | 2 | 0 | 3 | 1 | 0.00 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 69.32 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103533 | XXXXX | N/A | No | No | $3,469.81 | $3,469.81 | 8.875% | No | No | US Citizen | 1 | $4,360.92 | $2,125.32 | $363.41 | $177.11 | 0.000% | 0.000% | 0.000% | XXXXX | 730 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 8.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.87 | 1.15 | XXXXX | 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 | 107.44 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101470 | XXXXX | N/A | No | Yes | $0.00 | 6.495% | $2,528.27 | $2,528.27 | 6.500% | No | No | Employed | Employed | US Citizen | US Citizen | $24,486.77 | 1 | $1,102.44 | $4,316.04 | $91.87 | $359.67 | 21.398% | 21.398% | 21.398% | XXXXX | 810 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.170% | $0.00 | 1.0 | DU | ApproveEligible | No | No | 6.500% | 2 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | No | 33 | 33 | 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 | 138.25 | No | No | $0.00 | $15,736.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101623 | XXXXX | N/A | No | No | $1,274.03 | $1,274.03 | 7.625% | No | No | US Citizen | 1 | $2,649.60 | $2,635.56 | $220.80 | $219.63 | 0.000% | 0.000% | 0.000% | XXXXX | 745 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.85 | 1.18 | XXXXX | XXXXX | 1.650% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 38.73 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100858 | XXXXX | N/A | No | No | $1,920.10 | $1,920.10 | 7.125% | No | No | 0 | US Citizen | US Citizen | 2 | $6,134.64 | $1,574.04 | $511.22 | $131.17 | 0.000% | 0.000% | 0.000% | XXXXX | 740 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.35 | 0.74 | XXXXX | XXXXX | 42.470% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 22.75 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101144 | XXXXX | Non QM | Yes | No | $7,565.00 | $9,447.26 | 6.696% | $7,395.59 | $7,395.59 | 6.625% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $10,744.94 | 1 | $24,470.40 | $6,517.32 | $2,039.20 | $543.11 | 49.181% | 49.181% | 49.181% | XXXXX | 692 | No | No | Borrower Prepared | [Borrower - |
Primary Income - Partnership (>= 25%)]; Other - 2025 [Borrower - | Primary Income - Partnership (>= 25%)]; P&L Statement - 2025 [Borrower - | Primary Income - Partnership (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2022 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | XXXXX | $7,565.00 | 6.170% | $0.00 | 1.7 | None | No | No | 6.625% | 0 | 0 | 1 | 0 | 3 | 1 | 10.00 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 10.14 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100598 | XXXXX | Non QM | Yes | No | $1,590.00 | $12,956.85 | 7.672% | $5,493.13 | $8,144.67 | 8.072% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $13,981.25 | 1 | $14,981.28 | $5,855.16 | $1,248.44 | $487.93 | 42.952% | 32.133% | 42.617% | XXXXX | 781 | Yes | No | [Borrower - |
Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | No | XXXXX | $1,590.00 | 6.230% | $0.00 | 4.0 | None | No | No | 8.209% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | 240 | XXXXX | XXXXX | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Trustee | Individual | Trustee | No | Trustee | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 294.47 | No | No | $2,592.20 | $0.00 | No | No | No | No | 1 | 240 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102336 | XXXXX | N/A | No | No | $1,091.48 | $1,091.48 | 7.250% | No | No | US Citizen | 2 | $3,492.84 | $1,946.04 | $291.07 | $162.17 | 0.000% | 0.000% | 0.000% | XXXXX | 722 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.27 | 0.44 | XXXXX | 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 | 48.47 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101880 | XXXXX | N/A | No | Yes | $0.00 | 7.559% | $2,435.37 | $2,435.37 | 7.250% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $12,658.83 | 1 | $1,227.96 | $3,658.80 | $102.33 | $304.90 | 42.108% | 42.108% | 42.108% | XXXXX | 759 | No | No | [Borrower - |
Primary Income - Sole Proprietor]; Other - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Tax Return Extension - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; Transcripts (1040) - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Tax Return Extension - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; Transcripts (1040) - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.260% | $0.00 | 2.3 | DU | ApproveEligible | Yes | No | 7.250% | 0 | 1 | 2 | 0 | 3 | 3 | No | XXXXX | XXXXX | 47.400% | No | 34 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 42.83 | No | No | $0.00 | $10,100.00 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000099523 | XXXXX | N/A | No | No | $1,708.01 | $1,708.01 | 6.875% | No | No | US Citizen | US Citizen | 1 | $11,317.08 | $2,469.00 | $943.09 | $205.75 | 0.000% | 0.000% | 0.000% | XXXXX | 752 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.05 | 0.95 | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 390.96 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101789 | XXXXX | N/A | No | No | $2,304.12 | $2,304.12 | 7.125% | No | No | US Citizen | 2 | $4,185.36 | $888.96 | $348.78 | $74.08 | 0.000% | 0.000% | 0.000% | XXXXX | 731 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.17 | 0.85 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 12.55 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101628 | XXXXX | N/A | No | No | $2,392.78 | $2,392.78 | 8.250% | No | No | US Citizen | 1 | $9,529.44 | $1,149.00 | $794.12 | $95.75 | 0.000% | 0.000% | 0.000% | XXXXX | 785 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.7 | Yes | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.81 | 1.24 | XXXXX | 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 | 97.03 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101572 | XXXXX | Non QM | Yes | No | $1,590.00 | $2,944.64 | 7.543% | $3,272.32 | $3,272.32 | 7.500% | No | No | Non-Employment Income | US Citizen | $7,467.15 | 1 | $4,342.68 | $2,889.00 | $361.89 | $240.75 | 37.660% | 37.660% | 37.660% | XXXXX | 716 | Yes | No | [Borrower - |
Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | No | XXXXX | $1,590.00 | 6.170% | $0.00 | 1.0 | None | Yes | No | 7.500% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | XXXXX | XXXXX | 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 | 254.49 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101176 | XXXXX | N/A | No | No | $1,460.08 | $1,460.08 | 6.500% | No | No | US Citizen | US Citizen | 1 | $2,117.52 | $2,165.04 | $176.46 | $180.42 | 0.000% | 0.000% | 0.000% | XXXXX | 741 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | No | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.15 | 0.87 | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 212.44 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100902 | XXXXX | N/A | No | Yes | $0.00 | 6.983% | $1,635.89 | $1,635.89 | 7.000% | No | No | Employed | Permanent Resident Alien | $11,150.97 | 1 | $4,250.04 | $417.00 | $354.17 | $34.75 | 34.047% | 34.047% | 34.047% | XXXXX | 786 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.170% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 7.000% | 1 | 1 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 391.53 | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101593 | XXXXX | N/A | No | No | $1,528.07 | $1,528.07 | 7.250% | No | No | US Citizen | 1 | $2,403.24 | $948.96 | $200.27 | $79.08 | 0.000% | 0.000% | 0.000% | XXXXX | 744 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | 1.0 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.11 | 0.9 | XXXXX | XXXXX | 82.210% | 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 | 88.22 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100211 | XXXXX | N/A | No | Yes | $0.00 | 6.741% | $3,859.16 | $3,859.16 | 6.750% | No | No | Employed | US Citizen | $4,492.87 | 2 | $14,440.32 | $2,499.48 | $1,203.36 | $208.29 | 37.133% | 37.133% | 37.133% | XXXXX | 781 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 [Borrower - | Non-Primary Income - Housing Allowance]; Employer Letter - 2025 [Borrower - | Non-Primary Income - Housing Allowance]; WVOE - 2025 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.160% | $0.00 | DU | ApproveEligible | No | No | 6.750% | 0 | 1 | 0 | 3 | 1 | 0.00 | No | XXXXX | XXXXX | No | 9 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 75.47 | No | No | $0.00 | $0.00 | No | No | No | No | 10 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101357 | XXXXX | N/A | No | No | $1,461.48 | $1,461.48 | 7.750% | No | No | US Citizen | US Citizen | 1 | $3,531.00 | $858.00 | $294.25 | $71.50 | 0.000% | 0.000% | 0.000% | XXXXX | 775 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.09 | 0.91 | XXXXX | XXXXX | 48.550% | 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 | 37.1 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102093 | XXXXX | Non QM | Yes | No | $0.00 | $1,967.66 | 7.133% | $6,667.29 | $6,667.29 | 7.125% | No | No | Employed | Not Employed | US Citizen | US Citizen | $14,198.10 | 1 | $6,880.80 | $2,048.04 | $573.40 | $170.67 | 49.997% | 49.997% | 49.997% | XXXXX | 803 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.260% | $0.00 | 4.0 | None | No | No | 7.125% | 2 | 0 | 2 | 0 | 2 | 2 | 0.00 | No | XXXXX | XXXXX | 37.630% | No | 33 | 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 | 30.56 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100678 | XXXXX | N/A | No | No | $3,688.61 | $3,688.61 | 7.125% | No | No | US Citizen | 4 | $5,305.20 | $1,323.12 | $442.10 | $110.26 | 0.000% | 0.000% | 0.000% | XXXXX | 790 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.36 | 0.74 | XXXXX | XXXXX | 71.940% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 76.52 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100364 | XXXXX | Non QM | Yes | No | $4,940.00 | $5,360.00 | 6.836% | $3,956.45 | $3,956.45 | 6.750% | No | No | Self-Employed | US Citizen | $32,354.40 | 1 | $2,562.96 | $1,786.08 | $213.58 | $148.84 | 13.433% | 13.433% | 13.433% | XXXXX | 793 | No | No | Borrower Prepared | [Borrower - |
Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; Business Account Transcripts - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 Transcript - No Results Returned - 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 Transcript - No Results Returned - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; Other - 2017 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $4,940.00 | 6.160% | $0.00 | 1.0 | None | Yes | No | 6.750% | 0 | 2 | 0 | 2 | 2 | 8.97 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 61.42 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102040 | XXXXX | N/A | No | Yes | $0.00 | 6.613% | $1,267.82 | $1,267.82 | 6.625% | No | No | Employed | US Citizen | $6,616.58 | 3 | $4,404.00 | $1,395.96 | $367.00 | $116.33 | 16.809% | 16.809% | 16.809% | XXXXX | 806 | 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]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.260% | $0.00 | LP / LPA | Accept/Eligible | No | No | 6.625% | 1 | 1 | 0 | 1 | 0 | 0.00 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 8.68 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102932 | XXXXX | N/A | No | No | $3,193.45 | $3,193.45 | 7.000% | No | No | US Citizen | 1 | $7,634.16 | $1,016.76 | $636.18 | $84.73 | 0.000% | 0.000% | 0.000% | XXXXX | 806 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | 1.3 | Yes | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.72 | 1.4 | XXXXX | 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 | 120.19 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102346 | XXXXX | N/A | No | Yes | $0.00 | 6.854% | $3,363.48 | $3,363.48 | 6.875% | No | No | Employed | Self-Employed | US Citizen | US Citizen | $8,567.15 | 1 | $3,885.00 | $2,435.16 | $323.75 | $202.93 | 47.262% | 47.262% | 47.262% | XXXXX | 769 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Non-Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Non-Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.260% | $0.00 | 1.0 | LP / LPA | Accept/Eligible | No | No | 6.875% | 2 | 2 | 1 | 0 | 2 | 1 | 0.00 | No | XXXXX | XXXXX | 4.990% | No | 33 | 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 | 16.33 | No | No | $8,085.92 | $0.00 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000099054 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $4,233.56 | $6,319.90 | 6.948% | $4,887.55 | $4,887.55 | 6.875% | No | No | Employed | Not Employed | US Citizen | US Citizen | $11,373.05 | 1 | $5,733.36 | $2,234.40 | $477.78 | $186.20 | 43.563% | 43.563% | 43.563% | XXXXX | 793 | No | No | [Borrower - |
Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $4,233.56 | 6.240% | $12,500.00 | 2.1 | LP / LPA | Accept/Eligible | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 100.000% | No | 33 | 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 | 198.92 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103807 | XXXXX | N/A | No | No | $1,679.87 | $1,679.87 | 6.750% | No | No | US Citizen | 1 | $5,426.88 | $1,064.64 | $452.24 | $88.72 | 0.000% | 0.000% | 0.000% | XXXXX | 765 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.25 | 0.8 | XXXXX | XXXXX | 50.570% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 26.13 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102003 | XXXXX | Non QM | Yes | No | $8,815.00 | $10,520.64 | 7.159% | $4,158.14 | $4,158.14 | 7.000% | No | No | Self-Employed | US Citizen | $7,824.69 | 1 | $8,667.00 | $2,549.04 | $722.25 | $212.42 | 43.947% | 43.947% | 43.947% | XXXXX | 769 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 |
Alternative Documentation (A) | 2yr P&L w/o Bank Statements | 0 | 0 | 0 | No | XXXXX | $8,815.00 | 6.260% | $0.00 | 1.3 | None | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 24.00 | No | XXXXX | 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 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102113 | XXXXX | N/A | No | No | $1,036.01 | $1,036.01 | 7.375% | No | No | US Citizen | 2 | $5,541.12 | $1,445.04 | $461.76 | $120.42 | 0.000% | 0.000% | 0.000% | XXXXX | 737 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.26 | 0.44 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 63.91 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102439 | XXXXX | N/A | No | Yes | $0.00 | 6.000% | $4,196.85 | $4,196.85 | 6.000% | No | No | Self-Employed | US Citizen | $65,629.59 | 1 | $17,627.40 | $793.44 | $1,468.95 | $66.12 | 24.269% | 24.269% | 24.269% | XXXXX | 814 | No | No | [Borrower - |
Primary Income - S-Corp (>= 25%)]; Other - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.260% | $0.00 | 2.0 | LP / LPA | Accept/Eligible | No | No | 6.000% | 1 | 1 | 0 | 3 | 1 | No | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 21.07 | No | No | $0.00 | $0.00 | No | No | No | No | 6 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100560 | XXXXX | N/A | No | No | $1,887.10 | $1,887.10 | 6.750% | No | No | US Citizen | US Citizen | 1 | $9,887.16 | $654.96 | $823.93 | $54.58 | 0.000% | 0.000% | 0.000% | XXXXX | 795 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.19 | 0.84 | XXXXX | XXXXX | 85.080% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 71.03 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100986 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $7,965.00 | $9,452.47 | 6.654% | $1,988.59 | $1,988.59 | 6.375% | No | No | Employed | Employed | US Citizen | US Citizen | $8,440.46 | 1 | $6,592.32 | $1,162.08 | $549.36 | $96.84 | 46.721% | 46.721% | 46.721% | XXXXX | 785 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $7,965.00 | 6.170% | $0.00 | 1.4 | LP / LPA | Accept/Eligible | No | No | 6.375% | 2 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 214.01 | No | No | $0.00 | $7,181.22 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101768 | XXXXX | N/A | No | No | $2,259.84 | $2,259.84 | 6.875% | No | No | US Citizen | 1 | $11,533.68 | $1,235.76 | $961.14 | $102.98 | 0.000% | 0.000% | 0.000% | XXXXX | 808 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.93 | 1.08 | XXXXX | XXXXX | 57.210% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 22.63 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102184 | XXXXX | N/A | No | Yes | $0.00 | 7.352% | $856.44 | $856.44 | 7.375% | No | No | Employed | US Citizen | $7,234.82 | 1 | $3,157.80 | $1,156.68 | $263.15 | $96.39 | 42.683% | 42.683% | 42.683% | XXXXX | 783 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.260% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 7.375% | 1 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Beacon 5.0 | FICO Risk Score Classic 04 | 330.71 | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102986 | XXXXX | N/A | No | No | $1,901.08 | $1,901.08 | 7.375% | No | No | 0 | US Citizen | US Citizen | 1 | $6,185.88 | $1,920.84 | $515.49 | $160.07 | 0.000% | 0.000% | 0.000% | XXXXX | 793 | Level 3-Stated/Partially Verified | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 3.7 | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.97 | 1.03 | XXXXX | XXXXX | 36.820% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 13.5 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100645 | XXXXX | N/A | No | No | $943.21 | $943.21 | 7.125% | No | No | US Citizen | 2 | $2,060.88 | $5,535.48 | $171.74 | $461.29 | 0.000% | 0.000% | 0.000% | XXXXX | 809 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.9 | 0.53 | XXXXX | XXXXX | 68.940% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 40.62 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000094750 | XXXXX | N/A | No | Yes | $0.00 | 6.355% | $3,315.25 | $3,315.25 | 6.375% | No | No | Employed | Self-Employed | US Citizen | US Citizen | $9,050.12 | 1 | $7,183.44 | $972.48 | $598.62 | $81.04 | 37.851% | 37.851% | 37.851% | XXXXX | 768 | No | No | [Borrower - |
Primary Income - Wages]; Leave and Earnings Statement (LES) - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Other - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Other - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Paystubs - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.320% | $0.00 | 2.6 | DU | ApproveEligible | Yes | No | 6.375% | 1 | 2 | 2 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 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 | 24.17 | No | No | $6,179.13 | $0.00 | No | No | No | No | 6 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101780 | XXXXX | Non QM | Yes | No | $3,790.00 | $7,569.79 | 6.663% | $2,711.57 | $2,711.57 | 6.500% | No | No | Employed | Permanent Resident Alien | $4,988.70 | 1 | $11,729.64 | $1,434.00 | $977.47 | $119.50 | 44.805% | 44.805% | 44.805% | XXXXX | 775 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $3,790.00 | 6.170% | $0.00 | 1.0 | None | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 39.670% | No | 34 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 4.35 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101946 | XXXXX | N/A | No | Yes | $0.00 | 6.864% | $1,216.96 | $1,216.96 | 6.875% | No | No | Employed | Not Employed | US Citizen | US Citizen | $19,408.44 | 1 | $1,690.08 | $1,265.52 | $140.84 | $105.46 | 26.096% | 26.096% | 26.096% | XXXXX | 741 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 [Borrower - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.260% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.875% | 2 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | No | 34 | 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 | 131.84 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102806 | XXXXX | Non QM | Yes | No | $4,534.00 | $5,750.50 | 7.567% | $6,153.09 | $6,153.09 | 7.500% | No | No | Self-Employed | US Citizen | $310,788.51 | 1 | $16,179.96 | $7,029.60 | $1,348.33 | $585.80 | 3.388% | 3.388% | 3.388% | XXXXX | 791 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $4,534.00 | 6.230% | $25,000.00 | 1.0 | None | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 15.060% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 85.21 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000104408 | XXXXX | N/A | No | Yes | $0.00 | 6.250% | $2,630.34 | $2,630.34 | 6.250% | No | No | Employed | Employed | US Citizen | US Citizen | $21,020.76 | 1 | $10,240.56 | $2,139.96 | $853.38 | $178.33 | 46.923% | 46.923% | 46.923% | XXXXX | 777 | No | No | [Borrower - |
Primary Income - Wages]; Borrower Attestation of Employment - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; Borrower Attestation of Employment - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.170% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.250% | 0 | 1 | 1 | 0 | 1 | 0 | 0.00 | No | XXXXX | XXXXX | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 267.05 | No | No | $0.00 | $17,937.51 | No | No | No | No | 4 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101200 | XXXXX | N/A | No | No | $5,625.41 | $5,625.41 | 6.500% | No | No | US Citizen | 1 | $1,232.04 | $2,667.96 | $102.67 | $222.33 | 0.000% | 0.000% | 0.000% | XXXXX | 802 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.8 | No | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.44 | 0.69 | XXXXX | 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 | 81.27 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000097592 | XXXXX | N/A | No | No | $3,646.54 | $3,646.54 | 7.750% | No | No | US Citizen | 3 | $8,204.04 | $4,740.00 | $683.67 | $395.00 | 0.000% | 0.000% | 0.000% | XXXXX | 746 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | No | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.13 | 0.89 | XXXXX | No | Yes | Short Form | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 32.8 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101213 | XXXXX | Non QM | Yes | No | $8,695.00 | $9,387.03 | 6.653% | $3,779.77 | $3,779.77 | 6.500% | No | No | Employed | US Citizen | $8,893.53 | 1 | $8,768.88 | $1,043.52 | $730.74 | $86.96 | 38.665% | 38.665% | 38.665% | XXXXX | 762 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $8,695.00 | 6.170% | $0.00 | 1.0 | None | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | No | 34 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 10.89 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103472 | XXXXX | N/A | No | No | $2,713.12 | $2,713.12 | 6.875% | No | No | US Citizen | 1 | $7,500.00 | $1,824.96 | $625.00 | $152.08 | 0.000% | 0.000% | 0.000% | XXXXX | 802 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | 1.0 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | XXXXX | XXXXX | 22.040% | 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 | 17.97 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100578 | XXXXX | N/A | No | No | $3,833.21 | $3,833.21 | 6.750% | No | No | US Citizen | 1 | $5,703.72 | $2,295.72 | $475.31 | $191.31 | 0.000% | 0.000% | 0.000% | XXXXX | 752 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.12 | 0.89 | XXXXX | XXXXX | 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 | 22.01 | Yes | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102352 | XXXXX | N/A | No | No | $1,297.20 | $1,297.20 | 6.750% | No | No | US Citizen | 1 | $10,326.48 | $1,066.32 | $860.54 | $88.86 | 0.000% | 0.000% | 0.000% | XXXXX | 739 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.6 | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.28 | 0.78 | XXXXX | 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 | 72.89 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000099677 | XXXXX | N/A | No | Yes | $0.00 | 6.120% | $6,167.25 | $6,167.25 | 6.125% | No | No | Self-Employed | US Citizen | $8,941.65 | 1 | $9,132.36 | $1,068.96 | $761.03 | $89.08 | 35.798% | 35.798% | 35.798% | XXXXX | 789 | No | No | [Borrower - |
Primary Income - Sole Proprietor]; Other - 2025 [Borrower - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.240% | $0.00 | 1.5 | DU | ApproveEligible | Yes | No | 6.125% | 0 | 2 | 0 | 3 | 0 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 235.11 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101133 | XXXXX | N/A | No | No | $2,980.56 | $2,980.56 | 7.000% | No | No | US Citizen | 1 | $3,827.88 | $2,193.96 | $318.99 | $182.83 | 0.000% | 0.000% | 0.000% | XXXXX | 743 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.8 | No | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.56 | 1.78 | XXXXX | XXXXX | 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 | 495.07 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103118 | XXXXX | Non QM | Yes | No | $6,275.00 | $6,480.16 | 6.571% | $2,002.62 | $2,002.62 | 6.375% | No | No | Employed | US Citizen | $7,137.65 | 1 | $1,610.76 | $1,518.00 | $134.23 | $126.50 | 28.624% | 28.624% | 28.624% | XXXXX | 759 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $6,275.00 | 6.230% | $0.00 | None | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | No | 30 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 2.02 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100740 | XXXXX | Non QM | Yes | No | $1,400.00 | $2,813.09 | 7.409% | $1,125.59 | $1,125.59 | 7.250% | No | No | Employed | US Citizen | $6,972.26 | 1 | $2,508.60 | $1,494.00 | $209.05 | $124.50 | 33.447% | 33.447% | 33.447% | XXXXX | 810 | No | No | [Borrower - |
Primary Income - Wages]; Leave and Earnings Statement (LES) - 2025 [Borrower - | Primary Income - Wages]; Leave and Earnings Statement (LES) - 2025 [Borrower - | Primary Income - Wages]; Leave and Earnings Statement (LES) - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,400.00 | 6.160% | $0.00 | 1.7 | None | No | No | 7.250% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | 58.160% | No | 35 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 49.8 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101374 | XXXXX | N/A | No | No | $1,755.33 | $1,755.33 | 7.625% | No | No | US Citizen | 1 | $3,444.36 | $1,576.68 | $287.03 | $131.39 | 0.000% | 0.000% | 0.000% | XXXXX | 799 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.6 | Yes | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.04 | 0.97 | XXXXX | XXXXX | 14.270% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 38.29 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100487 | XXXXX | N/A | No | No | $1,640.00 | $3,675.08 | 7.825% | $3,094.90 | $3,094.90 | 7.750% | No | No | Self-Employed | US Citizen | $73,044.95 | 1 | $2,061.96 | $1,340.04 | $171.83 | $111.67 | 24.388% | 24.388% | 24.388% | XXXXX | 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 - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.160% | $0.00 | 4.5 | None | Yes | No | 7.750% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 116.83 | No | No | $0.00 | $0.00 | No | No | No | No | 6 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100351 | XXXXX | N/A | No | Yes | $0.00 | 6.490% | $2,427.14 | $2,427.14 | 6.500% | No | No | Employed | Employed | US Citizen | US Citizen | $26,849.77 | 1 | $6,776.04 | $1,035.00 | $564.67 | $86.25 | 18.329% | 18.329% | 18.329% | XXXXX | 774 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Coborrower(s) - | Primary Income - Wages]; Employer Letter - 2025 [Coborrower(s) - | Primary Income - Wages]; Other - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2023 [Coborrower(s) - | Primary Income - Wages]; Employer Letter - 2021 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.160% | $0.00 | 5.0 | DU | ApproveEligible | No | No | 6.500% | 2 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 100.000% | No | 34 | 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 | 264.99 | No | No | $0.00 | $13,666.66 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000098896 | XXXXX | Non QM | Yes | No | $1,640.00 | $5,092.14 | 6.526% | $6,851.62 | $6,851.62 | 6.500% | No | No | Not Employed | Employed | US Citizen | US Citizen | $8,071.55 | 1 | $15,934.08 | $2,885.04 | $1,327.84 | $240.42 | 52.799% | 52.799% | 52.799% | XXXXX | 822 | No | No | [Coborrower(s) - |
Primary Income - Wages]; Employer Letter - 2025 [Coborrower(s) - | Primary Income - Wages]; Other - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | Yes | XXXXX | $1,640.00 | 6.240% | $0.00 | 1.0 | None | Yes | No | 6.500% | 0 | 1 | 0 | 0 | 3 | 2 | 0.00 | No | XXXXX | XXXXX | 43.080% | No | 31 | 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 | 34.21 | Yes | No | $0.00 | $17,100.29 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000086994 | XXXXX | N/A | No | Yes | $0.00 | 6.614% | $2,881.40 | $2,881.40 | 6.625% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $46,525.95 | 1 | $26,279.28 | $1,634.04 | $2,189.94 | $136.17 | 12.053% | 12.053% | 12.053% | XXXXX | 801 | No | No | [Borrower - |
Primary Income - S-Corp (>= 25%)]; Business License - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Non-Primary Income - Annuity]; Award Letter / Continuance Letter - 2012 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Business License - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.170% | $0.00 | 1.4 | LP / LPA | Accept/Eligible | Yes | No | 6.625% | 1 | 1 | 1 | 0 | 2 | 0 | No | XXXXX | XXXXX | 64.640% | No | Yes | Final | 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 | 30.65 | No | No | $4,781.13 | $0.00 | No | No | No | No | 4 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100915 | XXXXX | N/A | No | No | $2,334.95 | $2,334.95 | 6.750% | No | No | US Citizen | US Citizen | 1 | $7,339.56 | $2,477.04 | $611.63 | $206.42 | 0.000% | 0.000% | 0.000% | XXXXX | 719 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.94 | 1.07 | XXXXX | XXXXX | 57.860% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 29.81 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100958 | XXXXX | Non QM | Yes | No | $171.25 | 6.491% | $6,636.71 | $6,636.71 | 6.500% | No | No | Employed | Employed | US Citizen | US Citizen | $25,457.30 | 1 | $9,268.08 | $1,388.04 | $772.34 | $115.67 | 35.982% | 35.982% | 35.982% | XXXXX | 790 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Coborrower(s) - | Primary Income - Wages]; Other - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $171.25 | 6.170% | $0.00 | 4.0 | None | No | No | 6.500% | 2 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | 52.510% | No | 34 | 34 | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 38.35 | No | No | $0.00 | $10,599.33 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100297 | XXXXX | Non QM | Yes | No | $9,020.00 | $11,328.62 | 6.423% | $3,879.02 | $3,879.02 | 6.250% | No | No | Employed | Permanent Resident Alien | $6,151.42 | 1 | $11,250.00 | $1,038.00 | $937.50 | $86.50 | 47.716% | 47.716% | 47.716% | XXXXX | 726 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $9,020.00 | 6.160% | $0.00 | 1.0 | None | N/A | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 98.470% | No | 34 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 1.45 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103240 | XXXXX | N/A | No | No | $3,314.70 | $3,314.70 | 7.125% | No | No | US Citizen | 1 | $2,559.00 | $3,451.20 | $213.25 | $287.60 | 0.000% | 0.000% | 0.000% | XXXXX | 741 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.13 | 0.88 | XXXXX | XXXXX | 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 | 191.39 | Yes | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000099248 | XXXXX | N/A | No | No | $1,650.61 | $1,650.61 | 7.125% | No | No | US Citizen | US Citizen | 1 | $1,943.16 | $3,369.84 | $161.93 | $280.82 | 0.000% | 0.000% | 0.000% | XXXXX | 713 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.26 | 0.8 | XXXXX | XXXXX | 73.390% | 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 | 48.15 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103214 | XXXXX | Non QM | Yes | No | $12,310.00 | $13,660.76 | 6.630% | $6,061.53 | $6,061.53 | 6.500% | No | No | Employed | Non-Permanent Resident Alien | $31,094.48 | 1 | $12,946.80 | $963.00 | $1,078.90 | $80.25 | 19.889% | 19.889% | 19.889% | XXXXX | 801 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $12,310.00 | 6.230% | $0.00 | 1.0 | None | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | No | 25 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | VISA | No | 0 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101613 | XXXXX | N/A | No | No | $1,822.78 | $1,822.78 | 7.250% | No | No | 0 | 0 | US Citizen | US Citizen | 1 | $8,828.28 | $1,464.96 | $735.69 | $122.08 | 0.000% | 0.000% | 0.000% | XXXXX | 752 | Level 4-Stated/Verified as defined | Level 3-Stated/Partially Verified | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.17 | 0.86 | XXXXX | XXXXX | 58.060% | No | Yes | Commitment | Fee Simple | LLC | Guarantor - Business Entity | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Guarantor - 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 | 95.55 | Yes | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103086 | XXXXX | Non QM | Yes | No | $8,548.00 | $11,889.80 | 6.780% | $4,665.95 | $4,665.95 | 6.625% | No | No | Self-Employed | US Citizen | $8,019.45 | 1 | $16,867.44 | $4,672.08 | $1,405.62 | $389.34 | 44.801% | 44.801% | 44.801% | XXXXX | 810 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 |
Alternative Documentation (A) | 2yr P&L w/o Bank Statements | 0 | 0 | 0 | No | XXXXX | $8,548.00 | 6.230% | $0.00 | 1.0 | None | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 24.00 | No | XXXXX | XXXXX | 35.610% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 5.81 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102789 | XXXXX | N/A | No | No | $2,836.94 | $2,836.94 | 7.125% | No | No | US Citizen | 1 | $3,680.64 | $3,692.52 | $306.72 | $307.71 | 0.000% | 0.000% | 0.000% | XXXXX | 787 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.84 | 1.19 | XXXXX | XXXXX | 1.150% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 12.52 | Yes | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101438 | XXXXX | N/A | No | Yes | $0.00 | $0.00 | 7.190% | $1,173.34 | $1,173.34 | 7.250% | No | No | Employed | US Citizen | $5,946.34 | 1 | $3,589.20 | $1,871.04 | $299.10 | $155.92 | 42.928% | 42.928% | 42.928% | XXXXX | 730 | No | No | [Borrower - |
Primary Income - Wages]; Other - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; 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]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.170% | $1,000.00 | 2.0 | LP / LPA | Accept/Eligible | Yes | No | 7.250% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 24.400% | No | 29 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 12.75 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100262 | XXXXX | Non QM | Yes | No | $9,371.00 | $11,834.27 | 6.497% | $5,385.24 | $5,385.24 | 6.375% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $31,554.00 | 1 | $16,599.96 | $4,504.08 | $1,383.33 | $375.34 | 43.114% | 43.114% | 43.114% | XXXXX | 720 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; Business License - 2025 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 |
[Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $9,371.00 | 6.160% | $10,000.00 | 1.4 | None | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | XXXXX | 43.580% | No | 34 | 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 | 14.12 | Yes | No | $0.00 | $9,969.23 | No | No | No | No | 5 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103036 | XXXXX | N/A | No | No | $2,873.64 | $2,873.64 | 7.625% | No | No | US Citizen | 1 | $3,972.96 | $2,878.20 | $331.08 | $239.85 | 0.000% | 0.000% | 0.000% | XXXXX | 798 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.3 | No | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.89 | 1.12 | XXXXX | XXXXX | 34.540% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 6.14 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102244 | XXXXX | N/A | No | Yes | $0.00 | 6.500% | $2,212.24 | $2,212.24 | 6.500% | No | No | Employed | US Citizen | $14,120.87 | 1 | $12,862.56 | $1,424.28 | $1,071.88 | $118.69 | 40.684% | 40.684% | 40.684% | XXXXX | 796 | No | No | [Borrower - |
Primary Income - K-1 (< 25%)]; Paystubs - 2025 [Borrower - | Primary Income - K-1 (< 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - K-1 (< 25%)]; VVOE - 2025 [Borrower - | Primary Income - K-1 (< 25%)]; K-1 - 2024 [Borrower - | Primary Income - K-1 (< 25%)]; W-2 - 2024 [Borrower - | Primary Income - K-1 (< 25%)]; W-2 Transcript - 2024 [Borrower - | Primary Income - K-1 (< 25%)]; K-1 - 2023 [Borrower - | Primary Income - K-1 (< 25%)]; W-2 Transcript - 2023 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2025 [Borrower - | Non-Primary Income - Wages]; VVOE - 2025 [Borrower - | Non-Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Non-Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.260% | $0.00 | 2.4 | DU | ApproveEligible | No | No | 6.500% | 2 | 2 | 0 | 3 | 2 | No | XXXXX | XXXXX | 83.510% | No | Yes | Preliminary | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 42.1 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102887 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $8,175.00 | $10,813.05 | 8.627% | $1,983.34 | $1,983.34 | 8.250% | No | No | Employed | US Citizen | $7,565.88 | 1 | $6,991.20 | $1,782.12 | $582.60 | $148.51 | 39.473% | 39.473% | 39.473% | XXXXX | 783 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2024 [Borrower - | Primary Income - Wages]; WVOE - 2024 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $8,175.00 | 6.630% | $82,000.00 | 1.0 | None | Yes | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 6.350% | No | 12 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 7.59 | Yes | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103274 | XXXXX | N/A | No | No | $2,551.71 | $2,551.71 | 7.125% | No | No | US Citizen | 1 | $8,464.08 | $465.12 | $705.34 | $38.76 | 0.000% | 0.000% | 0.000% | XXXXX | 752 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.77 | 1.29 | XXXXX | XXXXX | 29.030% | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 17.59 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101287 | XXXXX | N/A | No | No | $1,642.32 | $1,642.32 | 6.875% | No | No | Permanent Resident Alien | 1 | $1,890.60 | $813.36 | $157.55 | $67.78 | 0.000% | 0.000% | 0.000% | XXXXX | 800 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.2 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.08 | 0.93 | XXXXX | XXXXX | 24.490% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 14.99 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101217 | XXXXX | Higher Priced QM (APOR) | Yes | Yes | $3,661.40 | $1,642.21 | 7.687% | $4,090.40 | $4,090.40 | 7.500% | No | No | Employed | US Citizen | $6,019.85 | 1 | $5,635.56 | $3,295.56 | $469.63 | $274.63 | 47.271% | 47.271% | 47.271% | XXXXX | 808 | No | No | [Borrower - |
Primary Income - Wages]; Leave and Earnings Statement (LES) - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; Leave and Earnings Statement (LES) - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; Leave and Earnings Statement (LES) - 2023 [Borrower - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $3,661.40 | 6.170% | $14,000.00 | 2.3 | DU | ApproveEligible | Yes | No | 7.500% | 2 | 0 | 0 | 4 | 0 | 0.00 | No | No | XXXXX | XXXXX | 35.190% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 33.49 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100693 | XXXXX | Non QM | Yes | No | $2,646.85 | $3,126.06 | 7.053% | $3,898.67 | $3,898.67 | 7.000% | No | No | Employed | US Citizen | $8,735.89 | 1 | $9,233.64 | $504.96 | $769.47 | $42.08 | 39.931% | 39.931% | 39.931% | XXXXX | 713 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $2,646.85 | 6.160% | $0.00 | 2.2 | None | Yes | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | No | 33 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 1.47 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103425 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $10,140.00 | $12,468.00 | 11.000% | $2,634.45 | $2,634.45 | 10.500% | No | No | Self-Employed | US Citizen | $9,593.45 | 2 | $7,657.20 | $4,032.00 | $638.10 | $336.00 | 31.671% | 31.671% | 31.671% | XXXXX | 668 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2021 [Borrower - | Primary Income - P&L Statement Only]; Other - 2021 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $10,140.00 | 6.170% | $0.00 | None | N/A | No | 10.500% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | XXXXX | 24.320% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Risk Score Classic 04 | 20.47 | Yes | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000104150 | XXXXX | Non QM | Yes | No | $1,795.00 | $7,049.09 | 6.527% | $2,089.96 | $2,089.96 | 6.375% | No | No | Non-Employment Income | US Citizen | $3,701.57 | 1 | $11,049.96 | $1,618.92 | $920.83 | $134.91 | 49.722% | 49.722% | 49.722% | XXXXX | 808 | No | No | [Borrower - |
Primary Income - Pension]; Account Statements - 2025 [Borrower - | Primary Income - Pension]; 1099-R - 2024 [Borrower - | Non-Primary Income - Social Security]; Account Statements - 2025 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Borrower - | Non-Primary Income - Pension]; Account Statements - 2025 [Borrower - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025 [Borrower - | Non-Primary Income - Pension]; Cancelled Checks - 2025 [Borrower - | Non-Primary Income - Pension]; Paystubs - 2025 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | No | XXXXX | $1,795.00 | 6.230% | $5,000.00 | 1.0 | None | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 48.170% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 6.09 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102906 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $7,860.00 | $11,880.00 | 9.151% | $5,085.21 | $5,085.21 | 9.000% | No | No | Self-Employed | US Citizen | $19,813.08 | 1 | $15,123.24 | $1,411.68 | $1,260.27 | $117.64 | 26.450% | 26.450% | 26.450% | XXXXX | 711 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2024 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $7,860.00 | 6.930% | $0.00 | 1.3 | None | Yes | No | 9.000% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | XXXXX | 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 | 4.11 | No | Yes | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103954 | XXXXX | N/A | No | No | $3,964.55 | $3,964.55 | 7.500% | No | No | US Citizen | 2 | $4,602.48 | $3,507.00 | $383.54 | $292.25 | 0.000% | 0.000% | 0.000% | XXXXX | 765 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.31 | 0.76 | XXXXX | XXXXX | 38.730% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 7.94 | Yes | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102020 | XXXXX | N/A | No | No | $1,790.00 | $2,995.96 | 8.453% | $2,736.26 | $2,736.26 | 8.375% | No | No | Self-Employed | US Citizen | $33,690.52 | 1 | $6,106.44 | $1,155.12 | $508.87 | $96.26 | 22.324% | 22.324% | 22.324% | XXXXX | 770 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $1,790.00 | 6.260% | $30,000.00 | 3.6 | None | Yes | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 24.480% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 11.26 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101135 | XXXXX | N/A | No | No | $1,675.17 | $1,675.17 | 6.875% | No | No | US Citizen | 1 | $6,909.72 | $1,500.00 | $575.81 | $125.00 | 0.000% | 0.000% | 0.000% | XXXXX | 740 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.8 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.03 | 0.97 | XXXXX | XXXXX | 40.810% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 17.3 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101292 | XXXXX | N/A | No | No | $1,522.42 | $1,522.42 | 6.625% | No | No | US Citizen | 1 | $5,857.08 | $890.76 | $488.09 | $74.23 | 0.000% | 0.000% | 0.000% | XXXXX | 737 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.93 | 1.07 | XXXXX | XXXXX | 3.300% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 11.21 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000099427 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $0.00 | 6.483% | $4,527.19 | $4,527.19 | 6.500% | No | No | Employed | US Citizen | $39,702.14 | 1 | $5,322.72 | $2,098.20 | $443.56 | $174.85 | 18.489% | 18.489% | 18.489% | XXXXX | 790 | No | No | [Borrower - |
Primary Income - Wages]; Employer Letter - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Restricted Stock Agreement - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; Vesting Schedule - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.240% | $0.00 | 1.0 | DU | ApproveEligible | No | No | 6.500% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 48.550% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 43.22 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103268 | XXXXX | Non QM | Yes | No | $9,375.00 | $12,838.56 | 8.105% | $3,448.02 | $4,565.53 | 9.148% | No | No | Employed | US Citizen | $9,295.97 | 1 | $16,931.04 | $1,854.96 | $1,410.92 | $154.58 | 43.317% | 40.608% | 43.317% | XXXXX | 787 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $9,375.00 | 6.530% | $0.00 | 1.0 | None | N/A | No | 9.148% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 32.100% | No | 29 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 40.46 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000097970 | XXXXX | Non QM | Yes | No | $1,640.00 | $6,436.23 | 6.512% | $6,162.66 | $6,162.66 | 6.500% | No | No | Employed | US Citizen | $22,792.22 | 1 | $18,761.40 | $2,403.96 | $1,563.45 | $200.33 | 47.403% | 47.403% | 47.403% | XXXXX | 790 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.290% | $0.00 | 1.0 | None | Yes | No | 6.500% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | No | 34 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 13.65 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101168 | XXXXX | N/A | No | No | $1,316.41 | $1,316.41 | 7.750% | No | No | US Citizen | 1 | $1,394.16 | $1,400.28 | $116.18 | $116.69 | 0.000% | 0.000% | 0.000% | XXXXX | 703 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | 4.5 | No | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.23 | 0.82 | XXXXX | 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 | 11.21 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101425 | XXXXX | N/A | No | No | $1,614.77 | $1,614.77 | 7.125% | No | No | US Citizen | 1 | $1,077.72 | $3,681.00 | $89.81 | $306.75 | 0.000% | 0.000% | 0.000% | XXXXX | 739 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 3.0 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.09 | 0.91 | XXXXX | XXXXX | 6.440% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 6.76 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101931 | XXXXX | Non QM | Yes | No | $8,281.74 | $4,713.48 | 8.373% | $1,938.27 | $1,938.27 | 8.250% | No | No | Self-Employed | US Citizen | $3,799.05 | 1 | $2,505.72 | $984.96 | $208.81 | $82.08 | 46.868% | 46.868% | 46.868% | XXXXX | 732 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 40.00000% | 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: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $8,281.74 | 6.160% | $0.00 | 1.3 | None | N/A | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 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 | 111.22 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102733 | XXXXX | Non QM | Yes | No | $52,053.00 | $15,592.18 | 7.075% | $11,975.44 | $11,975.44 | 7.000% | No | No | Self-Employed | US Citizen | $1,046,478.38 | 1 | $51,035.16 | $5,257.56 | $4,252.93 | $438.13 | 3.590% | 3.590% | 3.590% | XXXXX | 708 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $52,053.00 | 6.230% | $0.00 | 1.7 | None | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 54.340% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 10.48 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100511 | XXXXX | N/A | No | No | $566.35 | $566.35 | 7.375% | No | No | US Citizen | 1 | $2,111.88 | $1,169.04 | $175.99 | $97.42 | 0.000% | 0.000% | 0.000% | XXXXX | 748 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.6 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.55 | 0.65 | XXXXX | XXXXX | 1.950% | 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 | 146.58 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101183 | XXXXX | N/A | No | No | $1,538.27 | $1,538.27 | 7.500% | No | No | US Citizen | US Citizen | 2 | $4,800.60 | $3,038.04 | $400.05 | $253.17 | 0.000% | 0.000% | 0.000% | XXXXX | 759 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.35 | 0.74 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 39.07 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000099874 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $7,165.78 | $7,785.51 | 6.999% | $3,799.68 | $3,799.68 | 6.875% | No | No | Employed | Employed | US Citizen | US Citizen | $21,791.08 | 1 | $4,446.36 | $1,307.04 | $370.53 | $108.92 | 33.075% | 33.075% | 33.075% | XXXXX | 759 | No | No | [Borrower - |
Primary Income - Wages]; Other - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; Other - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $7,165.78 | 6.160% | $0.00 | 4.4 | DU | ApproveEligible | No | No | 6.875% | 2 | 0 | 2 | 0 | 3 | 1 | 0.00 | No | Not Stated | XXXXX | XXXXX | 98.660% | No | 34 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 129.79 | No | No | $0.00 | $14,386.36 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101896 | XXXXX | N/A | No | No | $1,167.48 | $1,167.48 | 6.750% | No | No | US Citizen | 1 | $6,843.96 | $2,060.88 | $570.33 | $171.74 | 0.000% | 0.000% | 0.000% | XXXXX | 804 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.44 | 0.69 | XXXXX | XXXXX | 91.350% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 58.02 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100863 | XXXXX | N/A | No | Yes | $0.00 | 6.613% | $1,560.76 | $1,560.76 | 6.625% | No | No | Employed | US Citizen | $4,881.68 | 2 | $2,611.32 | $851.04 | $217.61 | $70.92 | 37.262% | 37.262% | 37.262% | XXXXX | 774 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.170% | $0.00 | DU | ApproveEligible | No | No | 6.625% | 1 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 100.000% | No | 34 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 187.57 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000098407 | XXXXX | N/A | No | No | $749.55 | $749.55 | 7.625% | No | No | US Citizen | US Citizen | 1 | $1,821.96 | $2,579.52 | $151.83 | $214.96 | 0.000% | 0.000% | 0.000% | XXXXX | 735 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 3.3 | No | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.07 | 0.93 | XXXXX | XXXXX | 70.490% | 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 | 41.73 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101152 | XXXXX | N/A | No | No | $1,024.39 | $1,024.39 | 6.624% | No | No | US Citizen | 1 | $3,073.68 | $989.04 | $256.14 | $82.42 | 0.000% | 0.000% | 0.000% | XXXXX | 721 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | 3.0 | No | No | 6.624% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.72 | 0.58 | XXXXX | XXXXX | 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 | 106.1 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000099714 | XXXXX | N/A | No | Yes | $0.00 | 7.105% | $876.64 | $876.64 | 7.125% | No | No | Employed | US Citizen | $5,182.93 | 1 | $1,151.04 | $993.00 | $95.92 | $82.75 | 40.197% | 40.197% | 40.197% | XXXXX | 803 | 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]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.240% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 7.125% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 28.280% | No | 33 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 6.3 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101433 | XXXXX | Non QM | Yes | No | $4,481.00 | $4,493.00 | 7.177% | $985.39 | $985.39 | 6.875% | No | No | Self-Employed | US Citizen | $5,240.26 | 1 | $9,804.24 | $3,927.96 | $817.02 | $327.33 | 44.839% | 44.839% | 44.839% | XXXXX | 709 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $4,481.00 | 6.170% | $0.00 | 1.3 | None | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | 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 | 62.71 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103371 | XXXXX | N/A | No | No | $1,282.49 | $1,282.49 | 7.250% | No | No | US Citizen | 1 | $4,131.24 | $845.04 | $344.27 | $70.42 | 0.000% | 0.000% | 0.000% | XXXXX | 733 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | XXXXX | XXXXX | 50.240% | No | Yes | Short Form | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 36.1 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101863 | XXXXX | N/A | No | No | $3,350.99 | $3,350.99 | 7.500% | No | No | US Citizen | 1 | $2,667.36 | $1,089.96 | $222.28 | $90.83 | 0.000% | 0.000% | 0.000% | XXXXX | 772 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.6 | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.75 | 1.33 | XXXXX | XXXXX | 26.020% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 15.63 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100216 | XXXXX | Non QM | Yes | No | $7,185.63 | $2,162.39 | 7.583% | $1,591.59 | $1,591.59 | 7.500% | No | No | Self-Employed | US Citizen | $5,370.88 | 1 | $3,868.32 | $1,343.16 | $322.36 | $111.93 | 27.731% | 27.731% | 27.731% | XXXXX | 726 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $7,185.63 | 6.160% | $0.00 | 1.0 | None | Yes | No | 7.500% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 44.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | Yes | No | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 31.65 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101169 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $1,490.00 | $4,028.40 | 7.406% | $5,424.56 | $5,424.56 | 7.375% | No | No | Employed | US Citizen | $18,009.78 | 1 | $5,362.20 | $4,764.00 | $446.85 | $397.00 | 37.518% | 37.518% | 37.518% | XXXXX | 739 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2024 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,490.00 | 6.170% | $0.00 | 4.6 | DU | ApproveEligible | No | No | 7.375% | 1 | 1 | 0 | 2 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 18.91 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103343 | XXXXX | N/A | No | No | $1,386.68 | $1,386.68 | 7.999% | No | No | US Citizen | 1 | $6,725.28 | $3,589.08 | $560.44 | $299.09 | 0.000% | 0.000% | 0.000% | XXXXX | 676 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.2 | Yes | No | 7.999% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.85 | 1.18 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 11.58 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102902 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $19,650.00 | $23,249.54 | 8.526% | $4,306.48 | $4,306.48 | 8.125% | No | No | Employed | Employed | US Citizen | US Citizen | $5,074.35 | 1 | $6,785.16 | $1,038.96 | $565.43 | $86.58 | 49.673% | 49.673% | 49.673% | XXXXX | 786 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2024 [Borrower - | Non-Primary Income - Wages]; VVOE - 2025 [Borrower - | Non-Primary Income - Wages]; WVOE - 2024 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2024 |
[Borrower]; 1084 or income worksheet - Year Not
Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $19,650.00 | 6.630% | $0.00 | 2.5 | None | Yes | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 4.110% | No | 12 | 34 | 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 | 3.97 | Yes | $0.00 | $3,526.17 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102413 | XXXXX | Non QM | Yes | No | $12,156.00 | $16,584.19 | 7.627% | $4,226.93 | $4,226.93 | 7.375% | No | No | Self-Employed | US Citizen | $14,402.69 | 1 | $9,562.56 | $1,767.96 | $796.88 | $147.33 | 27.225% | 27.225% | 27.225% | XXXXX | 749 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $12,156.00 | 6.260% | $0.00 | None | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | XXXXX | 83.740% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 87.35 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101833 | XXXXX | N/A | No | No | $2,759.10 | $2,759.10 | 6.875% | No | No | US Citizen | 1 | $11,586.96 | $2,353.08 | $965.58 | $196.09 | 0.000% | 0.000% | 0.000% | XXXXX | 793 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | 1.0 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.05 | 0.96 | XXXXX | XXXXX | 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 | 26.65 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100458 | XXXXX | Non QM | Yes | No | $11,245.00 | $12,465.99 | 6.928% | $4,507.76 | $4,507.76 | 6.750% | No | No | Self-Employed | US Citizen | $7,352.85 | 1 | $11,299.68 | $4,053.00 | $941.64 | $337.75 | 52.562% | 52.562% | 52.562% | XXXXX | 708 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $11,245.00 | 6.160% | $0.00 | 2.4 | None | Yes | No | 6.750% | 0 | 0 | 0 | 3 | 0 | 12.00 | No | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 6.86 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103468 | XXXXX | N/A | No | No | $875.61 | $875.61 | 6.750% | No | No | US Citizen | Permanent Resident Alien | 1 | $2,656.44 | $969.96 | $221.37 | $80.83 | 0.000% | 0.000% | 0.000% | XXXXX | 722 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.53 | 0.65 | XXXXX | XXXXX | 17.330% | 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 | 32.23 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100123 | XXXXX | Non QM | Yes | No | $2,720.00 | $7,138.50 | 6.532% | $14,221.53 | $14,221.53 | 6.500% | No | No | Self-Employed | US Citizen | $47,863.35 | 1 | $35,952.36 | $2,778.00 | $2,996.03 | $231.50 | 36.855% | 36.855% | 36.855% | XXXXX | 766 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2024 |
Alternative Documentation (A) | 2yr P&L w/o Bank Statements | 0 | 0 | 0 | No | XXXXX | $2,720.00 | 6.160% | $0.00 | None | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 34.00 | No | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 14.84 | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102957 | XXXXX | Non QM | Yes | No | $1,640.00 | $2,736.03 | 6.762% | $6,927.03 | $6,927.03 | 6.750% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $20,834.37 | 1 | $11,322.96 | $3,386.04 | $943.58 | $282.17 | 0.000% | 0.000% | 0.000% | XXXXX | 798 | Yes | No | [Borrower - |
Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.230% | $5,000.00 | 4.2 | None | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 424.68 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101208 | XXXXX | N/A | No | Yes | $0.00 | 6.491% | $4,275.94 | $4,275.94 | 6.500% | No | No | Employed | Not Employed | US Citizen | US Citizen | $18,662.48 | 1 | $13,314.84 | $11,527.80 | $1,109.57 | $960.65 | 43.472% | 43.472% | 43.472% | XXXXX | 754 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.230% | $0.00 | 3.0 | LP / LPA | Accept/Eligible | Yes | No | 6.500% | 1 | 0 | 0 | 0 | 1 | 0 | 0.00 | No | XXXXX | XXXXX | No | 34 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 19.81 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100762 | XXXXX | N/A | No | No | $3,807.35 | $3,807.35 | 7.375% | No | No | US Citizen | US Citizen | 1 | $3,896.76 | $2,105.04 | $324.73 | $175.42 | 0.000% | 0.000% | 0.000% | XXXXX | 743 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.6 | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.95 | 1.05 | XXXXX | XXXXX | 6.780% | 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 | 9.95 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101268 | XXXXX | Non QM | Yes | No | $2,045.00 | $3,209.39 | 7.222% | $7,367.50 | $7,367.50 | 7.250% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $10,970.45 | 1 | $6,782.16 | $5,208.84 | $565.18 | $434.07 | 44.063% | 44.063% | 44.063% | XXXXX | 809 | No | No | Third Party Prepared (Unaudited) | [Borrower - |
Primary Income - Sole Proprietor]; Other - 2025 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $2,045.00 | 6.170% | $1,500.00 | 2.8 | None | Yes | No | 7.250% | 0 | 2 | 2 | 0 | 3 | 2 | 8.00 | No | XXXXX | XXXXX | 27.910% | No | 36 | 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 | 13.29 | No | $0.00 | $15,346.20 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101403 | XXXXX | N/A | No | Yes | $0.00 | 6.866% | $1,404.19 | $1,404.19 | 6.875% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $45,051.30 | 1 | $2,068.92 | $832.92 | $172.41 | $69.41 | 19.427% | 19.427% | 19.427% | XXXXX | 762 | No | No | [Borrower - |
Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.170% | $0.00 | 1.0 | DU | ApproveEligible | No | No | 6.875% | 0 | 0 | 1 | 0 | 1 | 1 | No | XXXXX | XXXXX | 100.000% | No | 33 | 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 | 139.29 | No | No | $0.00 | $9,000.46 | No | No | No | No | 4 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000096107 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $2,135.75 | $4,637.92 | 6.604% | $1,814.04 | $1,814.04 | 6.500% | No | No | Not Employed | Employed | US Citizen | US Citizen | $13,695.20 | 1 | $4,189.32 | $4,643.28 | $349.11 | $386.94 | 36.116% | 36.116% | 36.116% | XXXXX | 792 | No | No | [Coborrower(s) - |
Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $2,135.75 | 6.310% | $0.00 | 1.7 | LP / LPA | Accept/Eligible | No | No | 6.500% | 0 | 1 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 74.900% | 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 | 26.33 | No | No | $0.00 | $21,437.52 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102030 | XXXXX | N/A | No | No | $4,056.54 | $4,056.54 | 6.875% | No | No | US Citizen | US Citizen | 1 | $11,949.96 | $1,376.40 | $995.83 | $114.70 | 0.000% | 0.000% | 0.000% | XXXXX | 726 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.75 | 1.32 | XXXXX | XXXXX | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 245.52 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101312 | XXXXX | N/A | No | Yes | $0.00 | $0.00 | 7.067% | $2,501.18 | $2,501.18 | 7.125% | No | No | Employed | Not Employed | US Citizen | US Citizen | $11,600.99 | 1 | $4,606.20 | $2,084.04 | $383.85 | $173.67 | 21.648% | 21.648% | 21.648% | XXXXX | 696 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 - 2022 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.170% | $5,000.00 | 1.0 | DU | ApproveEligible | No | No | 7.125% | 3 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | 76.640% | No | 34 | 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 | 79.97 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100619 | XXXXX | N/A | No | No | $4,590.59 | $4,590.59 | 7.000% | No | No | Permanent Resident Alien | US Citizen | 1 | $28,201.80 | $6,001.80 | $2,350.15 | $500.15 | 0.000% | 0.000% | 0.000% | XXXXX | 676 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.78 | 1.28 | XXXXX | XXXXX | 31.970% | 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 | 638.51 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102384 | XXXXX | N/A | No | No | $1,009.62 | $1,009.62 | 7.250% | No | No | US Citizen | 1 | $2,603.64 | $1,267.80 | $216.97 | $105.65 | 0.000% | 0.000% | 0.000% | XXXXX | 754 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.2 | 0.83 | XXXXX | XXXXX | 34.740% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 14.44 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102821 | XXXXX | N/A | No | No | $839.06 | $839.06 | 7.500% | No | No | US Citizen | 1 | $3,385.68 | $1,857.96 | $282.14 | $154.83 | 0.000% | 0.000% | 0.000% | XXXXX | 730 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.6 | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.18 | 0.85 | XXXXX | XXXXX | 1.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 261.22 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102825 | XXXXX | N/A | No | No | $1,632.47 | $1,632.47 | 6.875% | No | No | US Citizen | 1 | $7,542.48 | $1,859.04 | $628.54 | $154.92 | 0.000% | 0.000% | 0.000% | XXXXX | 740 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.87 | 1.15 | XXXXX | XXXXX | 1.050% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 48.75 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101751 | XXXXX | N/A | No | No | $2,433.92 | $2,433.92 | 6.875% | No | No | US Citizen | US Citizen | 1 | $5,410.68 | $1,041.96 | $450.89 | $86.83 | 0.000% | 0.000% | 0.000% | XXXXX | 790 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.7 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.21 | 0.83 | XXXXX | XXXXX | 100.000% | 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 | 149.09 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102042 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $2,138.62 | $2,956.82 | 6.567% | $2,711.57 | $2,711.57 | 6.500% | No | No | Employed | Employed | US Citizen | US Citizen | $12,604.62 | 1 | $3,396.60 | $834.00 | $283.05 | $69.50 | 30.575% | 30.575% | 30.575% | XXXXX | 791 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $2,138.62 | 6.260% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.500% | 1 | 1 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 70.100% | No | 13 | 12 | 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 | 74.19 | No | $0.00 | $14,166.53 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102699 | XXXXX | N/A | No | No | $2,162.23 | $2,162.23 | 7.000% | No | No | US Citizen | 1 | $7,226.16 | $2,006.04 | $602.18 | $167.17 | 0.000% | 0.000% | 0.000% | XXXXX | 698 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.19 | 0.84 | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 104.11 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100161 | XXXXX | N/A | No | No | $518.88 | $518.88 | 6.750% | No | No | US Citizen | 1 | $1,323.84 | $2,423.28 | $110.32 | $201.94 | 0.000% | 0.000% | 0.000% | XXXXX | 723 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.1 | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.26 | 0.79 | XXXXX | 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 | 31.6 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103127 | XXXXX | N/A | No | No | $11,129.25 | $4,766.84 | 6.457% | $2,142.99 | $2,142.99 | 6.375% | No | No | Employed | Permanent Resident Alien | $6,833.00 | 1 | $11,475.36 | $1,889.04 | $956.28 | $157.42 | 40.583% | 40.583% | 40.583% | XXXXX | 773 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $11,129.25 | 6.260% | $3,727.41 | None | Yes | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 31.470% | No | 25 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 7.94 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101835 | XXXXX | Non QM | Yes | No | $19,354.42 | $6,601.05 | 6.902% | $11,225.60 | $11,225.60 | 6.875% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $135,505.33 | 1 | $24,083.28 | $4,599.00 | $2,006.94 | $383.25 | 15.619% | 15.619% | 15.619% | XXXXX | 783 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; 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]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $19,354.42 | 6.260% | $0.00 | 2.2 | None | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 24 | 0.00 | No | XXXXX | XXXXX | 24.270% | 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 | 29.97 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100952 | XXXXX | N/A | No | No | $4,154.50 | $4,154.50 | 8.250% | No | No | US Citizen | 1 | $8,170.20 | $3,910.08 | $680.85 | $325.84 | 0.000% | 0.000% | 0.000% | XXXXX | 746 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.1 | N/A | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.77 | 1.3 | XXXXX | XXXXX | 41.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 12.59 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100696 | XXXXX | Non QM | Yes | No | $7,873.22 | $10,683.74 | 6.453% | $2,511.33 | $2,511.33 | 6.250% | No | No | Employed | US Citizen | $7,824.68 | 1 | $19,999.32 | $2,886.60 | $1,666.61 | $240.55 | 39.674% | 39.674% | 39.674% | XXXXX | 704 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $7,873.22 | 6.260% | $12,000.00 | 2.7 | None | N/A | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 42.680% | No | 34 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 1.1 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102738 | XXXXX | N/A | No | No | $1,699.06 | $1,699.06 | 7.375% | No | No | US Citizen | 1 | $1,954.92 | $0.00 | $162.91 | $0.00 | 0.000% | 0.000% | 0.000% | XXXXX | 759 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | XXXXX | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 116.49 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000099174 | XXXXX | N/A | No | Yes | $0.00 | $0.00 | 6.479% | $1,090.32 | $1,090.32 | 6.500% | No | No | Self-Employed | US Citizen | $25,898.08 | 1 | $3,233.76 | $1,181.04 | $269.48 | $98.42 | 15.987% | 15.987% | 15.987% | XXXXX | 796 | No | No | [Borrower - |
Primary Income - S-Corp (>= 25%)]; Other - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.240% | $5,175.00 | 1.0 | LP / LPA | Accept/Eligible | Yes | No | 6.500% | 2 | 2 | 0 | 3 | 2 | No | XXXXX | XXXXX | 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 | 166.27 | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101494 | XXXXX | N/A | No | Yes | $2,194.80 | $5,119.53 | 7.807% | $828.81 | $828.81 | 7.375% | No | No | Employed | US Citizen | $7,236.44 | 1 | $1,593.24 | $546.00 | $132.77 | $45.50 | 30.300% | 30.300% | 30.300% | XXXXX | 794 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $2,194.80 | 6.170% | $0.00 | 2.6 | DU | ApproveEligible | No | No | 7.375% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 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 | 273.97 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000104393 | XXXXX | N/A | No | Yes | $0.00 | $0.00 | 7.105% | $1,077.95 | $1,077.95 | 7.125% | No | No | Employed | US Citizen | $6,623.30 | 1 | $1,707.84 | $2,031.00 | $142.32 | $169.25 | 33.812% | 33.812% | 33.812% | XXXXX | 767 | No | No | [Borrower - |
Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.240% | $4,000.00 | 1.3 | LP / LPA | Accept/Eligible | No | No | 7.125% | 1 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 79.400% | No | 1 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 83.12 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101348 | XXXXX | Non QM | Yes | No | $2,977.42 | $5,461.42 | 6.948% | $3,862.01 | $3,862.01 | 6.875% | No | No | Employed | Employed | US Citizen | US Citizen | $7,948.27 | 1 | $8,617.80 | $1,326.00 | $718.15 | $110.50 | 49.368% | 49.368% | 49.368% | XXXXX | 762 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Wages]; Other - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | Yes | XXXXX | $2,977.42 | 6.230% | $0.00 | 1.1 | None | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | 69.500% | No | 3 | 6 | 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 | 67.44 | Yes | No | $0.00 | $6,333.34 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000098096 | XXXXX | N/A | No | No | $3,976.78 | $3,976.78 | 7.500% | No | No | US Citizen | 1 | $4,107.72 | $1,899.96 | $342.31 | $158.33 | 0.000% | 0.000% | 0.000% | XXXXX | 756 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.66 | 1.52 | XXXXX | XXXXX | 11.890% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | 6.88 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101588 | XXXXX | Non QM | Yes | No | $1,640.00 | $2,300.00 | 6.918% | $3,488.29 | $3,488.29 | 6.875% | No | No | Self-Employed | US Citizen | $7,193.51 | 1 | $8,193.24 | $1,236.00 | $682.77 | $103.00 | 45.990% | 45.990% | 45.990% | XXXXX | 764 | No | Yes | 12 | Personal | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.170% | $0.00 | 2.4 | None | N/A | No | 6.875% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 54.83 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000094282 | XXXXX | N/A | No | No | $690.81 | $690.81 | 7.625% | No | No | US Citizen | 1 | $3,432.84 | $1,562.52 | $286.07 | $130.21 | 0.000% | 0.000% | 0.000% | XXXXX | 784 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.17 | 0.85 | XXXXX | XXXXX | 8.890% | No | Yes | Short Form | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 105.55 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103035 | XXXXX | N/A | No | No | $2,072.03 | $2,072.03 | 7.375% | No | No | US Citizen | 4 | $12,434.40 | $4,953.00 | $1,036.20 | $412.75 | 0.000% | 0.000% | 0.000% | XXXXX | 778 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.79 | 0.56 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 82.64 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101163 | XXXXX | Non QM | Yes | No | $1,640.00 | $3,648.45 | 6.787% | $5,039.61 | $5,039.61 | 6.750% | No | No | Self-Employed | US Citizen | $36,399.32 | 1 | $23,662.68 | $3,549.00 | $1,971.89 | $295.75 | 25.258% | 25.258% | 25.258% | XXXXX | 793 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.170% | $20,000.00 | 2.0 | None | Yes | No | 6.750% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 327.93 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100100 | XXXXX | Non QM | Yes | No | $2,571.52 | $3,579.07 | 6.865% | $1,842.02 | $1,842.02 | 6.750% | No | No | Employed | US Citizen | $3,191.85 | 1 | $5,648.40 | $927.00 | $470.70 | $77.25 | 43.365% | 43.365% | 43.365% | XXXXX | 782 | 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]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $2,571.52 | 6.160% | $5,000.00 | 2.6 | None | Yes | No | 6.750% | 0 | 2 | 0 | 2 | 2 | 0.00 | No | XXXXX | XXXXX | 34.930% | No | 9 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 18.16 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100047 | XXXXX | N/A | No | No | $1,683.52 | $1,683.52 | 7.375% | No | No | US Citizen | 1 | $2,708.40 | $2,286.00 | $225.70 | $190.50 | 0.000% | 0.000% | 0.000% | XXXXX | 697 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.6 | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.29 | 0.78 | XXXXX | XXXXX | 33.880% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 7.63 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102235 | XXXXX | Non QM | Yes | No | $6,165.00 | $8,518.33 | 6.493% | $1,724.01 | $1,724.01 | 6.250% | No | No | Employed | Permanent Resident Alien | $3,658.96 | 1 | $5,423.40 | $1,560.96 | $451.95 | $130.08 | 39.017% | 39.017% | 39.017% | XXXXX | 801 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $6,165.00 | 6.260% | $2,500.00 | 1.0 | None | N/A | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 37.150% | No | 28 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 14.54 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103042 | XXXXX | N/A | No | No | $2,494.60 | $2,494.60 | 7.250% | No | No | US Citizen | 1 | $9,450.00 | $1,861.68 | $787.50 | $155.14 | 0.000% | 0.000% | 0.000% | XXXXX | 805 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.94 | 1.06 | XXXXX | XXXXX | 82.900% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 71.78 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103536 | XXXXX | Non QM | Yes | No | $1,640.00 | $3,265.70 | 6.539% | $5,056.54 | $5,056.54 | 6.500% | No | No | Self-Employed | US Citizen | $16,801.09 | 1 | $14,499.96 | $4,711.20 | $1,208.33 | $392.60 | 49.476% | 49.476% | 49.476% | XXXXX | 770 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 26.20000% | 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: 26.20000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 26.20000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 26.20000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 26.20000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 26.20000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 26.20000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.230% | $1,792.52 | 3.8 | None | Yes | No | 6.500% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 15.550% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | Yes | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 28.84 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101282 | XXXXX | N/A | No | No | $2,273.70 | $2,273.70 | 7.375% | No | No | US Citizen | 1 | $1,650.48 | $1,542.96 | $137.54 | $128.58 | 0.000% | 0.000% | 0.000% | XXXXX | 768 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.1 | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.83 | 1.21 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 13.43 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101752 | XXXXX | N/A | No | No | $1,875.98 | $1,875.98 | 7.250% | No | No | 0 | US Citizen | US Citizen | 1 | $6,098.76 | $1,191.00 | $508.23 | $99.25 | 0.000% | 0.000% | 0.000% | XXXXX | 757 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.92 | 1.08 | XXXXX | XXXXX | 54.010% | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 3.21 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000098789 | XXXXX | N/A | No | No | $759.74 | $759.74 | 7.375% | No | No | US Citizen | US Citizen | 1 | $4,756.32 | $5,865.00 | $396.36 | $488.75 | 0.000% | 0.000% | 0.000% | XXXXX | 712 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.13 | 0.47 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 56.75 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101412 | XXXXX | N/A | No | No | $2,243.48 | $2,243.48 | 7.125% | No | No | US Citizen | 1 | $8,325.00 | $714.00 | $693.75 | $59.50 | 0.000% | 0.000% | 0.000% | XXXXX | 758 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.76 | 1.32 | XXXXX | XXXXX | 63.880% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 42.38 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101451 | XXXXX | N/A | No | No | $1,726.89 | $1,726.89 | 6.750% | No | No | US Citizen | 1 | $5,130.96 | $1,745.28 | $427.58 | $145.44 | 0.000% | 0.000% | 0.000% | XXXXX | 705 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.92 | 1.09 | XXXXX | XXXXX | 100.000% | No | Yes | Short Form | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 224.82 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102663 | XXXXX | Non QM | Yes | No | $8,605.00 | $11,704.69 | 6.689% | $3,817.69 | $3,817.69 | 6.500% | No | No | Employed | Permanent Resident Alien | $8,446.59 | 1 | $9,437.52 | $1,764.00 | $786.46 | $147.00 | 41.710% | 41.710% | 41.710% | XXXXX | 810 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $8,605.00 | 6.260% | $0.00 | None | Yes | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 3.000% | No | 27 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 7.63 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101178 | XXXXX | N/A | No | No | $2,450.65 | $2,450.65 | 7.125% | No | No | US Citizen | 1 | $2,627.88 | $1,965.48 | $218.99 | $163.79 | 0.000% | 0.000% | 0.000% | XXXXX | 769 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.91 | 1.09 | XXXXX | XXXXX | 30.870% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Beacon 5.0 | FICO Risk Score Classic 04 | 7.48 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100267 | XXXXX | Non QM | Yes | No | $2,375.00 | $4,772.81 | 6.843% | $3,418.11 | $3,418.11 | 6.750% | No | No | Employed | Permanent Resident Alien | $6,707.83 | 1 | $17,318.76 | $1,713.96 | $1,443.23 | $142.83 | 46.337% | 46.337% | 46.337% | XXXXX | 770 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $2,375.00 | 6.160% | $0.00 | 1.2 | None | N/A | No | 6.750% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | No | 33 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | No | 1.7 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103221 | XXXXX | Non QM | Yes | No | $2,720.00 | $7,692.50 | 6.781% | $12,245.53 | $12,245.53 | 6.750% | No | No | Employed | US Citizen | $22,008.31 | 1 | $29,499.96 | $4,355.04 | $2,458.33 | $362.92 | 49.389% | 49.389% | 49.389% | XXXXX | 764 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $2,720.00 | 6.260% | $0.00 | 1.0 | None | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 22.370% | No | 34 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 29.79 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102251 | XXXXX | Non QM | Yes | No | $2,370.00 | $5,018.33 | 7.204% | $4,311.80 | $4,311.80 | 7.125% | No | No | Employed | Non-Permanent Resident Alien | XXX | $9,392.40 | 1 | $9,999.96 | $1,971.00 | $833.33 | $164.25 | 47.820% | 47.820% | 47.820% | XXXXX | 733 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $2,370.00 | 6.260% | $150,000.00 | None | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 13.370% | No | 33 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Employment Authorization | 7.68 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101999 | XXXXX | N/A | No | No | $11,496.40 | $11,496.40 | 6.750% | No | No | US Citizen | 1 | $21,797.76 | $6,645.96 | $1,816.48 | $553.83 | 0.000% | 0.000% | 0.000% | XXXXX | 773 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.7 | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.06 | 0.94 | XXXXX | XXXXX | 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 | 234.91 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102221 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $2,725.08 | $4,941.07 | 6.662% | $1,428.47 | $1,428.47 | 6.500% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $11,194.80 | 1 | $1,477.68 | $626.04 | $123.14 | $52.17 | 23.725% | 23.725% | 23.725% | XXXXX | 773 | No | No | [Borrower - |
Primary Income - Pension]; Award Letter / Continuance Letter - 2025 [Coborrower(s) - | Primary Income - Pension]; Award Letter / Continuance Letter - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | XXXXX | $2,725.08 | 6.260% | $225.00 | DU | Yes | ApproveEligible | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 54.870% | 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 | 25.36 | No | No | $2,990.22 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102546 | XXXXX | Non QM | Yes | No | $6,641.25 | $7,192.99 | 7.513% | $4,148.73 | $4,942.57 | 8.136% | No | No | Not Employed | Self-Employed | US Citizen | US Citizen | $8,372.48 | 1 | $11,874.96 | $3,129.00 | $989.58 | $260.75 | 43.401% | 43.472% | 43.401% | XXXXX | 804 | No | No | [Coborrower(s) - |
Primary Income - P&L Statement Only]; Business License - 2025 [Coborrower(s) - | Primary Income - P&L Statement Only]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - P&L Statement Only]; Other - 2025 [Coborrower(s) - | Primary Income - P&L Statement Only]; Other - 2025 [Coborrower(s) - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Coborrower(s) - | Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Coborrower(s) - | Primary Income - P&L Statement Only]; Third Party Verification - 2025 |
[Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | Yes | XXXXX | $6,641.25 | 6.530% | $8,000.00 | 1.0 | None | Yes | No | 8.136% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 3.290% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 14.25 | No | $14,792.58 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101242 | XXXXX | N/A | No | No | $1,640.63 | $1,640.63 | 7.500% | No | No | US Citizen | 1 | $4,777.56 | $2,874.96 | $398.13 | $239.58 | 0.000% | 0.000% | 0.000% | XXXXX | 791 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.1 | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.08 | 0.92 | 240 | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 1179.61 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101398 | XXXXX | N/A | No | No | $1,111.64 | $1,111.64 | 7.125% | No | No | US Citizen | 1 | $3,222.24 | $1,059.96 | $268.52 | $88.33 | 0.000% | 0.000% | 0.000% | XXXXX | 770 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.3 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.12 | 0.89 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 152.05 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101434 | XXXXX | N/A | No | No | $3,630.56 | $3,630.56 | 6.625% | No | No | US Citizen | 1 | $12,304.32 | $1,907.04 | $1,025.36 | $158.92 | 0.000% | 0.000% | 0.000% | XXXXX | 767 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.93 | 1.07 | XXXXX | XXXXX | 20.360% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 34.92 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100979 | XXXXX | N/A | No | Yes | $0.00 | 6.450% | $2,925.64 | $2,925.64 | 6.500% | No | No | Not Employed | Employed | US Citizen | US Citizen | $8,686.63 | 1 | $10,733.04 | $5,493.96 | $894.42 | $457.83 | 47.880% | 47.880% | 47.880% | XXXXX | 730 | No | No | [Coborrower(s) - |
Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.170% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.500% | 0 | 1 | 1 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 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 | 221.01 | No | No | $0.00 | $16,666.68 | No | No | No | No | 4 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103653 | XXXXX | N/A | No | No | $3,456.18 | $3,456.18 | 7.125% | No | No | US Citizen | 1 | $9,974.28 | $1,389.00 | $831.19 | $115.75 | 0.000% | 0.000% | 0.000% | XXXXX | 740 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | XXXXX | XXXXX | 54.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 40.28 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103650 | XXXXX | N/A | No | No | $31,920.00 | $23,767.85 | 8.374% | $2,863.27 | $3,591.51 | 8.836% | No | No | Not Employed | Self-Employed | US Citizen | $13,876.98 | 1 | $8,290.08 | $2,078.04 | $690.84 | $173.17 | 34.221% | 33.383% | 34.221% | XXXXX | 802 | No | No | [Coborrower(s) - |
Primary Income - P&L Statement Only]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - P&L Statement Only]; Other - 2025 [Coborrower(s) - | Primary Income - P&L Statement Only]; Other - 2025 [Coborrower(s) - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Coborrower(s) - | Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Coborrower(s) - | Primary Income - P&L Statement Only]; Third Party Verification - 2025 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | Yes | XXXXX | $31,920.00 | 6.760% | $0.00 | None | N/A | No | 8.836% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 93.84 | Yes | $21,096.50 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101736 | XXXXX | N/A | No | No | $1,182.47 | $1,182.47 | 6.875% | No | No | US Citizen | 1 | $4,445.40 | $2,052.96 | $370.45 | $171.08 | 0.000% | 0.000% | 0.000% | XXXXX | 803 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.6 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.07 | 0.93 | XXXXX | XXXXX | 28.030% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 4.03 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103689 | XXXXX | N/A | No | No | $5,607.13 | $5,607.13 | 6.750% | No | No | US Citizen | 1 | $22,250.04 | $2,460.96 | $1,854.17 | $205.08 | 0.000% | 0.000% | 0.000% | XXXXX | 753 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.78 | 1.28 | XXXXX | XXXXX | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 62.16 | Yes | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000098944 | XXXXX | N/A | No | No | $2,333.74 | $2,333.74 | 6.875% | No | No | US Citizen | 2 | $17,775.48 | $2,513.04 | $1,481.29 | $209.42 | 0.000% | 0.000% | 0.000% | XXXXX | 799 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.32 | 0.76 | XXXXX | XXXXX | 62.630% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 12.6 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103693 | XXXXX | Non QM | Yes | No | $15,470.00 | $20,546.75 | 8.034% | $4,442.16 | $5,421.48 | 8.677% | No | No | Employed | Employed | US Citizen | US Citizen | $7,879.32 | 2 | $5,003.40 | $1,263.00 | $416.95 | $105.25 | 47.471% | 46.606% | 47.471% | XXXXX | 774 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2025 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | Yes | XXXXX | $15,470.00 | 6.550% | $0.00 | None | N/A | No | 8.677% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 33.560% | No | 24 | 24 | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 5.65 | No | $0.00 | $6,000.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101788 | XXXXX | N/A | No | No | $5,743.13 | $5,743.13 | 6.750% | No | No | US Citizen | 4 | $27,654.84 | $5,013.96 | $2,304.57 | $417.83 | 0.000% | 0.000% | 0.000% | XXXXX | 793 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.33 | 0.75 | 240 | XXXXX | XXXXX | 97.880% | No | Yes | Preliminary | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 117.31 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103331 | XXXXX | N/A | No | No | $1,641.41 | $1,641.41 | 7.500% | No | No | US Citizen | 1 | $6,507.96 | $946.20 | $542.33 | $78.85 | 0.000% | 0.000% | 0.000% | XXXXX | 800 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 3.8 | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.71 | 1.41 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 17.56 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000099320 | XXXXX | N/A | No | No | $884.74 | $884.74 | 7.625% | No | No | US Citizen | 1 | $1,147.92 | $986.04 | $95.66 | $82.17 | 0.000% | 0.000% | 0.000% | XXXXX | 734 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.32 | 0.76 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 22.75 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100584 | XXXXX | Non QM | Yes | No | $1,640.00 | $3,423.49 | 6.726% | $1,920.93 | $1,920.93 | 6.625% | No | No | Employed | US Citizen | $4,300.35 | 1 | $12,888.48 | $2,066.04 | $1,074.04 | $172.17 | 54.911% | 54.911% | 54.911% | XXXXX | 716 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | Yes | XXXXX | $1,640.00 | 6.160% | $265,000.00 | 1.4 | None | No | No | 6.625% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | 100.000% | No | 21 | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 170.83 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103563 | XXXXX | N/A | No | No | $3,581.16 | $3,581.16 | 7.307% | No | No | US Citizen | 1 | $13,050.00 | $1,524.96 | $1,087.50 | $127.08 | 0.000% | 0.000% | 0.000% | XXXXX | 779 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.7 | N/A | No | 7.307% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.89 | 1.13 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | No | 99.13 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101457 | XXXXX | Non QM | Yes | No | $9,870.00 | $572.85 | 6.727% | $1,374.98 | $1,374.98 | 6.750% | No | No | Employed | US Citizen | $4,837.66 | 1 | $5,538.24 | $1,220.04 | $461.52 | $101.67 | 46.248% | 46.248% | 46.248% | XXXXX | 777 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $9,870.00 | 6.170% | $15,899.40 | 1.0 | None | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 37.880% | No | 34 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 23.01 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103131 | XXXXX | Non QM | Yes | No | $2,565.00 | $7,261.37 | 8.520% | $3,114.20 | $4,324.84 | 10.003% | No | No | Employed | Permanent Resident Alien | $7,015.71 | 1 | $9,474.96 | $886.44 | $789.58 | $73.87 | 46.033% | 41.333% | 46.033% | XXXXX | 772 | No | No | [Borrower - |
Primary Income - Wages]; Other - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $2,565.00 | 6.530% | $0.00 | 1.0 | None | N/A | No | 10.003% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 4.490% | No | 34 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 0.17 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000099888 | XXXXX | N/A | No | No | $800.39 | $800.39 | 6.625% | No | No | US Citizen | 1 | $6,450.96 | $4,444.80 | $537.58 | $370.40 | 0.000% | 0.000% | 0.000% | XXXXX | 705 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.33 | 0.75 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 51.72 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000099453 | XXXXX | N/A | No | No | $1,529.72 | $1,529.72 | 7.250% | No | No | US Citizen | 1 | $4,204.56 | $1,199.76 | $350.38 | $99.98 | 0.000% | 0.000% | 0.000% | XXXXX | 799 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.02 | 0.98 | XXXXX | XXXXX | 31.700% | No | Yes | Short Form | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 11.45 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100845 | XXXXX | N/A | No | No | $2,565.00 | $1,432.77 | 7.152% | $3,590.92 | $3,590.92 | 7.125% | No | No | Not Employed | Self-Employed | US Citizen | $13,178.55 | 1 | $11,269.80 | $2,232.00 | $939.15 | $186.00 | 28.837% | 28.837% | 28.837% | XXXXX | 788 | No | No | [Coborrower(s) - |
Primary Income - P&L Statement Only]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - P&L Statement Only]; Other - 2025 [Coborrower(s) - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Coborrower(s) - | Primary Income - P&L Statement Only]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - P&L Statement Only]; Other - 2024 [Coborrower(s) - | Primary Income - P&L Statement Only]; Other - 2024 [Coborrower(s) - | Primary Income - P&L Statement Only]; Other - 2024 |
Alternative Documentation (A) | 2yr P&L w/o Bank Statements | 0 | 0 | 0 | No | XXXXX | $2,565.00 | 6.170% | $0.00 | 1.3 | None | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | No | Yes | Preliminary | 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 | 11.91 | Retail | No | No | $18,518.80 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102576 | XXXXX | Non QM | Yes | No | $2,475.00 | $3,371.70 | 6.937% | $3,625.72 | $3,625.72 | 6.875% | No | No | Employed | US Citizen | $8,768.45 | 1 | $8,623.80 | $1,989.96 | $718.65 | $165.83 | 38.105% | 38.105% | 38.105% | XXXXX | 775 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | XXXXX | $2,475.00 | 6.260% | $0.00 | 1.0 | None | Yes | No | 6.875% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 43.250% | No | 10 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 42.34 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000104207 | XXXXX | Non QM | Yes | No | $2,745.00 | $6,759.14 | 6.777% | $2,113.03 | $2,113.03 | 6.625% | No | No | Employed | US Citizen | $6,081.55 | 1 | $7,511.04 | $978.00 | $625.92 | $81.50 | 36.651% | 36.651% | 36.651% | XXXXX | 790 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $2,745.00 | 6.260% | $0.00 | 1.0 | None | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 42.770% | No | 34 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 1.32 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102238 | XXXXX | Non QM | Yes | No | $7,594.00 | $10,616.70 | 6.804% | $2,883.96 | $2,883.96 | 6.625% | No | No | Employed | US Citizen | $6,436.93 | 1 | $1,856.28 | $570.00 | $154.69 | $47.50 | 41.483% | 41.483% | 41.483% | XXXXX | 809 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $7,594.00 | 6.260% | $0.00 | None | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 34.660% | No | 34 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 21.97 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102506 | XXXXX | Non QM | Yes | No | $1,640.00 | $16,681.17 | 6.268% | $14,546.32 | $14,546.32 | 6.250% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $9,007.59 | 1 | $19,748.88 | $3,765.96 | $1,645.74 | $313.83 | 0.000% | 0.000% | 0.000% | XXXXX | 784 | Yes | No | [Borrower - |
Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 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 (No DTI) | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.260% | $0.00 | 3.3 | None | No | No | 6.250% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 190.93 | Yes | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103686 | XXXXX | Non QM | Yes | No | $10,835.00 | $15,599.72 | 8.217% | $4,098.26 | $4,826.07 | 8.705% | No | No | Self-Employed | US Citizen | $7,243.84 | 1 | $7,858.08 | $1,137.96 | $654.84 | $94.83 | 43.692% | 44.003% | 43.692% | XXXXX | 781 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2025 |
Alternative Documentation (A) | 1yr P&L w/o Bank Statements | 0 | 0 | 0 | Yes | XXXXX | $10,835.00 | 6.520% | $0.00 | None | N/A | No | 8.705% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | XXXXX | 26.420% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 3.14 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101528 | XXXXX | N/A | No | No | $54,020.00 | $12,308.31 | 6.943% | $6,740.09 | $6,740.09 | 6.875% | No | No | Employed | US Citizen | $10,961.06 | 4 | $17,100.00 | $3,167.04 | $1,425.00 | $263.92 | 32.505% | 32.505% | 32.505% | XXXXX | 781 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $54,020.00 | 6.170% | $0.00 | None | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 14.430% | No | 27 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 17.95 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100328 | XXXXX | N/A | No | No | $1,153.43 | $1,153.43 | 7.375% | No | No | Permanent Resident Alien | 1 | $6,757.44 | $1,611.00 | $563.12 | $134.25 | 0.000% | 0.000% | 0.000% | XXXXX | 790 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.2 | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.08 | 0.93 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 6.1 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103225 | XXXXX | Non QM | Yes | No | $2,720.00 | $2,041.61 | 6.901% | $5,173.31 | $5,173.31 | 6.875% | No | No | Self-Employed | Permanent Resident Alien | $20,583.86 | 1 | $12,441.24 | $1,692.00 | $1,036.77 | $141.00 | 37.871% | 37.871% | 37.871% | XXXXX | 808 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2025 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $2,720.00 | 6.230% | $0.00 | 1.0 | None | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | No | 0.09 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000104375 | XXXXX | N/A | No | Yes | $0.00 | $0.00 | 6.739% | $851.29 | $851.29 | 6.750% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $13,509.76 | 1 | $1,635.96 | $1,806.72 | $136.33 | $150.56 | 43.776% | 43.776% | 43.776% | XXXXX | 797 | No | No | [Borrower - |
Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Social Security]; Account Statements - 2025 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Borrower - | Non-Primary Income - Pension]; Account Statements - 2025 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - No Results Returned - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Borrower]; 1084 or income worksheet - Year Not Available [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.160% | $3,000.00 | 1.0 | LP / LPA | Accept/Eligible | Yes | No | 6.750% | 0 | 0 | 1 | 0 | 3 | 0 | No | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 208.06 | No | No | $6,421.96 | $0.00 | No | No | No | No | 7 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000099639 | XXXXX | N/A | No | No | $1,715.64 | $1,715.64 | 6.375% | No | No | US Citizen | 1 | $10,225.32 | $555.00 | $852.11 | $46.25 | 0.000% | 0.000% | 0.000% | XXXXX | 823 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.91 | 1.1 | XXXXX | XXXXX | 78.660% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 44.41 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100395 | XXXXX | Non QM | Yes | No | $4,640.00 | $10,931.46 | 6.874% | $3,891.59 | $3,891.59 | 6.750% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $8,629.32 | 1 | $7,908.84 | $4,757.16 | $659.07 | $396.43 | 42.471% | 42.471% | 42.471% | XXXXX | 754 | 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: Third Party Verification | # 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: Third Party Verification | # 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: Third Party Verification | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Third Party Verification | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Third Party Verification | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $4,640.00 | 6.160% | $4,304.00 | 3.7 | None | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 29.150% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | 9.87 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101969 | XXXXX | Non QM | Yes | No | $2,340.00 | $10,005.66 | 7.055% | $9,730.05 | $9,730.05 | 7.000% | No | No | Employed | Non-Permanent Resident Alien | XXX | $19,101.53 | 1 | $24,375.00 | $1,646.04 | $2,031.25 | $137.17 | 38.382% | 38.382% | 38.382% | XXXXX | 756 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $2,340.00 | 6.260% | $0.00 | 1.0 | None | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 19.620% | No | 34 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | VISA | 15.1 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101953 | XXXXX | Non QM | Yes | No | $14,500.46 | $3,722.17 | 6.277% | $2,858.39 | $2,858.39 | 6.250% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $3,357.96 | 1 | $3,761.40 | $1,107.96 | $313.45 | $92.33 | 49.903% | 49.903% | 49.903% | XXXXX | 778 | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense
Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2017 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2017 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $14,500.46 | 6.260% | $20,000.00 | 1.0 | None | Yes | No | 6.250% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 35.320% | 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 | 22.36 | No | $3,351.48 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101483 | XXXXX | N/A | No | No | $1,642.25 | $1,642.25 | 6.750% | No | No | US Citizen | US Citizen | 1 | $1,581.00 | $882.96 | $131.75 | $73.58 | 0.000% | 0.000% | 0.000% | XXXXX | 733 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.63 | 1.58 | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 31.33 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102514 | XXXXX | Non QM | Yes | No | $2,305.60 | $4,186.90 | 6.893% | $1,349.08 | $1,349.08 | 6.750% | No | No | Employed | US Citizen | $28,704.90 | 1 | $2,035.92 | $1,285.08 | $169.66 | $107.09 | 16.862% | 16.862% | 16.862% | XXXXX | 791 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $2,305.60 | 6.230% | $0.00 | 1.0 | None | Yes | No | 6.750% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 44.330% | No | 35 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 25.55 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000104254 | XXXXX | N/A | No | No | $656.18 | $656.18 | 7.704% | No | No | US Citizen | 1 | $1,848.96 | $789.00 | $154.08 | $65.75 | 0.000% | 0.000% | 0.000% | XXXXX | 775 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 7.704% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.37 | 0.73 | XXXXX | XXXXX | 100.000% | No | Yes | Short Form | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 317.84 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102182 | XXXXX | Non QM | Yes | No | $5,145.00 | $6,293.93 | 7.093% | $1,037.76 | $1,037.76 | 6.750% | No | No | Non-Employment Income | US Citizen | $4,022.59 | 1 | $4,705.80 | $1,159.68 | $392.15 | $96.64 | 33.545% | 33.545% | 33.545% | XXXXX | 800 | Yes | No | [Borrower - |
Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | No | XXXXX | $5,145.00 | 6.260% | $0.00 | 2.5 | None | Yes | No | 6.750% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | XXXXX | XXXXX | 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 | 350.55 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102651 | XXXXX | N/A | No | No | $1,049.83 | $1,049.83 | 7.375% | No | No | US Citizen | 1 | $2,577.48 | $1,385.52 | $214.79 | $115.46 | 0.000% | 0.000% | 0.000% | XXXXX | 814 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.6 | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.21 | 0.82 | XXXXX | XXXXX | 54.720% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 38.21 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103707 | XXXXX | Non QM | Yes | No | $6,145.00 | $8,409.10 | 7.087% | $2,391.22 | $2,391.22 | 6.875% | No | No | Employed | Permanent Resident Alien | $4,315.48 | 1 | $1,919.64 | $459.96 | $159.97 | $38.33 | 48.625% | 48.625% | 48.625% | XXXXX | 801 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | Yes | XXXXX | $6,145.00 | 6.230% | $0.00 | None | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | No | 33 | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | No | 119.34 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102564 | XXXXX | Non QM | Yes | No | $6,795.00 | $5,064.60 | 6.558% | $2,958.08 | $2,958.08 | 6.500% | No | No | Not Employed | Self-Employed | US Citizen | US Citizen | $33,381.96 | 1 | $2,746.68 | $1,116.00 | $228.89 | $93.00 | 16.029% | 16.029% | 16.029% | XXXXX | 785 | No | No | [Coborrower(s) - |
Primary Income - S-Corp (>= 25%)]; Other - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Business License - 2011 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Other - 2010 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 4506-C - 2022 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | Yes | XXXXX | $6,795.00 | 6.260% | $15,000.00 | 3.7 | None | Yes | No | 6.500% | 0 | 2 | 2 | 0 | 3 | 2 | 0.00 | No | XXXXX | XXXXX | 92.310% | 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 | 187.02 | No | No | $39,754.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000098136 | XXXXX | N/A | No | No | $3,206.23 | $3,206.23 | 7.250% | No | No | 0 | US Citizen | US Citizen | 1 | $7,224.48 | $1,284.00 | $602.04 | $107.00 | 0.000% | 0.000% | 0.000% | XXXXX | 789 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.0 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.33 | 0.75 | XXXXX | XXXXX | 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 | 133.42 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000095003 | XXXXX | N/A | No | No | $910.87 | $910.87 | 7.125% | No | No | Permanent Resident Alien | 1 | $2,236.92 | $996.00 | $186.41 | $83.00 | 0.000% | 0.000% | 0.000% | XXXXX | 800 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.6 | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.42 | 0.7 | XXXXX | XXXXX | 26.430% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 18.13 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101247 | XXXXX | Non QM | Yes | No | $1,694.00 | $4,568.21 | 6.270% | $6,772.89 | $6,772.89 | 6.250% | No | No | Employed | Not Employed | US Citizen | US Citizen | $21,519.56 | 1 | $43,880.64 | $2,844.96 | $3,656.72 | $237.08 | 33.359% | 33.359% | 33.359% | XXXXX | 791 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 - 2022 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,694.00 | 6.170% | $0.00 | 3.0 | None | No | No | 6.250% | 3 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 77.450% | No | 34 | 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 | 55.62 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103486 | XXXXX | Non QM | Yes | No | $2,390.20 | $4,203.91 | 6.713% | $1,856.90 | $1,856.90 | 6.625% | No | No | Employed | Non-Employment Income | US Citizen | US Citizen | $2,625.56 | 1 | $3,830.76 | $1,169.04 | $319.23 | $97.42 | 48.123% | 48.123% | 48.123% | XXXXX | 808 | No | No | [Borrower - |
Primary Income - Wages]; Employer Letter - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Pension]; Award Letter / Continuance Letter - 2025 [Coborrower(s) - | Primary Income - Pension]; 1099-R - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | No | XXXXX | $2,390.20 | 6.230% | $0.00 | 1.0 | None | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 2 | 2 | 0.00 | No | XXXXX | XXXXX | 43.080% | No | 3 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 20.9 | No | $2,144.43 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102735 | XXXXX | N/A | No | No | $1,501.99 | $1,501.99 | 7.125% | No | No | US Citizen | 1 | $1,954.92 | $270.00 | $162.91 | $22.50 | 0.000% | 0.000% | 0.000% | XXXXX | 759 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | 1.0 | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.99 | 1.01 | XXXXX | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 115.95 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100083 | XXXXX | N/A | No | No | $3,018.63 | $3,018.63 | 7.250% | No | No | US Citizen | 1 | $5,652.96 | $3,380.04 | $471.08 | $281.67 | 0.000% | 0.000% | 0.000% | XXXXX | 780 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.06 | 0.95 | XXXXX | XXXXX | 0.420% | 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 | 26.83 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000105286 | XXXXX | N/A | No | No | $1,364.27 | $1,364.27 | 7.625% | No | No | US Citizen | US Citizen | 2 | $1,691.88 | $1,242.96 | $140.99 | $103.58 | 0.000% | 0.000% | 0.000% | XXXXX | 750 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.24 | 0.8 | XXXXX | XXXXX | 82.970% | 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 | 6.81 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000098141 | XXXXX | N/A | No | No | $0.00 | 6.945% | $6,310.39 | $6,310.39 | 7.000% | No | No | Self-Employed | US Citizen | $34,751.73 | 1 | $13,206.84 | $2,377.32 | $1,100.57 | $198.11 | 36.492% | 36.492% | 36.492% | XXXXX | 784 | No | No | Third Party Prepared (Unaudited) | [Borrower - |
Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Paystubs - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Tax Return Extension - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Tax Return Extension - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.290% | $0.00 | 2.7 | LP / LPA | Accept/Ineligible | No | No | 7.000% | 2 | 2 | 0 | 3 | 2 | 9.90 | No | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 22.68 | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101668 | XXXXX | N/A | No | Yes | $2,259.65 | $4,505.94 | 6.873% | $2,456.57 | $2,456.57 | 6.750% | No | No | Self-Employed | US Citizen | $17,315.57 | 1 | $8,573.40 | $774.84 | $714.45 | $64.57 | 30.925% | 30.925% | 30.925% | XXXXX | 799 | No | No | [Borrower - |
Primary Income - S-Corp (>= 25%)]; Other - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | XXXXX | $2,259.65 | 6.170% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.750% | 0 | 1 | 0 | 2 | 0 | No | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 244.19 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100111 | XXXXX | Non QM | Yes | No | $2,375.00 | $5,697.12 | 8.078% | $9,095.62 | $11,530.87 | 9.099% | No | No | Self-Employed | US Citizen | $71,322.26 | 1 | $20,643.24 | $4,145.04 | $1,720.27 | $345.42 | 27.735% | 27.030% | 27.735% | XXXXX | 803 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $2,375.00 | 6.590% | $0.00 | 1.4 | None | N/A | No | 9.099% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | XXXXX | 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 | 35.64 | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102271 | XXXXX | N/A | No | No | $2,202.53 | $2,202.53 | 7.500% | No | No | US Citizen | 1 | $2,823.12 | $1,266.96 | $235.26 | $105.58 | 0.000% | 0.000% | 0.000% | XXXXX | 740 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.86 | 1.16 | XXXXX | XXXXX | 41.800% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 22.91 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101665 | XXXXX | N/A | No | No | $3,357.81 | $3,357.81 | 7.125% | No | No | US Citizen | 1 | $2,280.00 | $4,593.00 | $190.00 | $382.75 | 0.000% | 0.000% | 0.000% | XXXXX | 727 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.2 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | XXXXX | XXXXX | 13.270% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 61.08 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102231 | XXXXX | Non QM | Yes | No | $2,615.00 | $3,759.23 | 7.676% | $863.34 | $863.34 | 7.375% | No | No | Self-Employed | US Citizen | $8,094.79 | 1 | $10,695.00 | $1,734.00 | $891.25 | $144.50 | 24.227% | 24.227% | 24.227% | XXXXX | 740 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $2,615.00 | 6.260% | $53,731.00 | 1.8 | None | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 79.060% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 14.19 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103339 | XXXXX | N/A | No | No | $1,050.25 | $1,050.25 | 8.875% | No | No | US Citizen | 1 | $2,569.68 | $919.80 | $214.14 | $76.65 | 0.000% | 0.000% | 0.000% | XXXXX | 787 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.8 | Yes | No | 8.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.27 | 0.79 | XXXXX | XXXXX | 34.800% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 14.54 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000105208 | XXXXX | N/A | No | No | $1,363.55 | $1,363.55 | 8.250% | No | No | US Citizen | 1 | $1,302.96 | $1,077.96 | $108.58 | $89.83 | 0.000% | 0.000% | 0.000% | XXXXX | 750 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | 1.0 | N/A | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.09 | 0.92 | XXXXX | 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 | 15.51 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100263 | XXXXX | N/A | No | No | $1,724.46 | $1,724.46 | 7.000% | No | No | US Citizen | 1 | $2,868.60 | $2,577.24 | $239.05 | $214.77 | 0.000% | 0.000% | 0.000% | XXXXX | 739 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.1 | 0.91 | XXXXX | XXXXX | 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 | 4.9 | Yes | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103529 | XXXXX | N/A | No | No | $986.09 | $986.09 | 7.875% | No | No | US Citizen | 1 | $2,081.16 | $1,515.60 | $173.43 | $126.30 | 0.000% | 0.000% | 0.000% | XXXXX | 730 | No | No | DSCR | 1 | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.17 | 0.86 | XXXXX | 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 | 7.23 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103121 | XXXXX | N/A | No | No | $2,283.56 | $2,283.56 | 7.750% | No | No | US Citizen | 1 | $7,147.20 | $1,618.80 | $595.60 | $134.90 | 0.000% | 0.000% | 0.000% | XXXXX | 753 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | 1.0 | Yes | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.89 | 1.12 | XXXXX | XXXXX | 7.080% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 8.75 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102761 | XXXXX | N/A | No | No | $4,160.33 | $4,160.33 | 7.500% | No | No | US Citizen | 1 | $11,350.68 | $995.04 | $945.89 | $82.92 | 0.000% | 0.000% | 0.000% | XXXXX | 766 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | 1.1 | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.71 | 1.42 | XXXXX | XXXXX | 5.000% | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 6.65 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000098050 | XXXXX | N/A | No | Yes | $0.00 | 6.819% | $4,414.56 | $4,414.56 | 6.875% | No | No | Employed | US Citizen | $23,668.78 | 4 | $7,964.52 | $2,930.28 | $663.71 | $244.19 | 41.438% | 41.438% | 41.438% | XXXXX | 762 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.290% | $0.00 | DU | ApproveEligible | No | No | 6.875% | 1 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Trustee | No | Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 63.18 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000104300 | XXXXX | N/A | No | No | $2,893.77 | $2,893.77 | 6.999% | No | No | US Citizen | 1 | $5,602.92 | $1,357.20 | $466.91 | $113.10 | 0.000% | 0.000% | 0.000% | XXXXX | 806 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | 1.3 | No | No | 6.999% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.81 | 1.24 | XXXXX | XXXXX | 100.000% | No | Yes | Short Form | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 1195.72 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000105157 | XXXXX | N/A | No | No | $3,492.49 | $3,492.49 | 6.999% | No | No | US Citizen | 1 | $5,100.24 | $2,096.64 | $425.02 | $174.72 | 0.000% | 0.000% | 0.000% | XXXXX | 806 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | 1.0 | No | No | 6.999% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.9 | 1.11 | XXXXX | XXXXX | 100.000% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 986.95 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000092325 | XXXXX | N/A | No | No | $5,329.26 | $5,329.26 | 7.875% | No | No | US Citizen | 1 | $7,790.28 | $5,143.56 | $649.19 | $428.63 | 0.000% | 0.000% | 0.000% | XXXXX | 776 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.87 | 1.14 | XXXXX | XXXXX | 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 | 300.69 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000099864 | XXXXX | Non QM | Yes | No | $1,775.00 | $3,273.88 | 8.586% | $2,698.89 | $2,698.89 | 8.500% | No | No | Employed | US Citizen | $5,472.19 | 1 | $3,513.60 | $2,841.72 | $292.80 | $236.81 | 49.704% | 49.704% | 49.704% | XXXXX | 773 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,775.00 | 6.160% | $1,800.00 | 1.0 | None | Yes | No | 8.500% | 1 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | 23.190% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 10.83 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101297 | XXXXX | N/A | No | No | $1,585.88 | $1,585.88 | 8.500% | No | No | US Citizen | US Citizen | 1 | $3,654.00 | $3,363.84 | $304.50 | $280.32 | 0.000% | 0.000% | 0.000% | XXXXX | 763 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 8.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.88 | 1.14 | XXXXX | XXXXX | 96.960% | 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 | 84.85 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100510 | XXXXX | N/A | No | No | $801.18 | $801.18 | 7.375% | No | No | US Citizen | 1 | $5,446.68 | $813.00 | $453.89 | $67.75 | 0.000% | 0.000% | 0.000% | XXXXX | 748 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.2 | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.09 | 0.92 | XXXXX | XXXXX | 1.370% | 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 | 69.18 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000098892 | XXXXX | Non QM | Yes | No | $7,647.59 | $14,779.59 | 6.540% | $1,477.89 | $1,477.89 | 6.000% | No | No | Self-Employed | US Citizen | $2,277.76 | 1 | $6,127.80 | $2,760.96 | $510.65 | $230.08 | 52.312% | 52.312% | 52.312% | XXXXX | 793 | No | Yes | 12 | Personal | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: % | Expense
Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements
Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Yes | XXXXX | $7,647.59 | 6.540% | $0.00 | 1.0 | None | Yes | No | 6.000% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 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 | 12.89 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000095938 | XXXXX | N/A | No | No | $1,187.45 | $1,187.45 | 7.750% | No | No | US Citizen | 1 | $4,379.16 | $1,624.32 | $364.93 | $135.36 | 0.000% | 0.000% | 0.000% | XXXXX | 669 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.17 | 0.86 | XXXXX | XXXXX | 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 | 131.95 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000099905 | XXXXX | Non QM | Yes | No | $2,564.06 | $5,099.35 | 7.261% | $1,768.85 | $1,768.85 | 7.125% | No | No | Non-Employment Income | US Citizen | $3,602.74 | 1 | $8,316.96 | $774.00 | $693.08 | $64.50 | 46.730% | 46.730% | 46.730% | XXXXX | 780 | No | No | [Borrower - |
Primary Income - Pension]; Award Letter / Continuance Letter - 2025 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | No | XXXXX | $2,564.06 | 6.160% | $0.00 | 1.0 | None | Yes | No | 7.125% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 35.250% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 10.01 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102820 | XXXXX | N/A | No | No | $690.68 | $690.68 | 7.375% | No | No | US Citizen | 1 | $6,194.76 | $660.00 | $516.23 | $55.00 | 0.000% | 0.000% | 0.000% | XXXXX | 705 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.47 | 0.68 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 66.38 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101948 | XXXXX | Non QM | Yes | No | $8,115.00 | $12,564.17 | 6.708% | $3,033.93 | $3,033.93 | 6.500% | No | No | Self-Employed | US Citizen | $20,120.91 | 1 | $7,500.00 | $936.96 | $625.00 | $78.08 | 23.057% | 23.057% | 23.057% | XXXXX | 772 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; Audited P&L - 2025 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 2yr P&L w/o Bank Statements | 0 | 0 | 0 | No | XXXXX | $8,115.00 | 6.260% | $0.00 | None | Yes | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 24.00 | No | XXXXX | XXXXX | 32.370% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 14.48 | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000104493 | XXXXX | N/A | No | No | $2,475.31 | $2,475.31 | 6.875% | No | No | US Citizen | US Citizen | 1 | $7,497.48 | $2,518.08 | $624.79 | $209.84 | 0.000% | 0.000% | 0.000% | XXXXX | 779 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.92 | 1.09 | XXXXX | XXXXX | 33.300% | 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 | 14.56 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101551 | XXXXX | N/A | No | No | $1,499.63 | $1,499.63 | 7.375% | No | No | US Citizen | 1 | $3,249.00 | $1,322.04 | $270.75 | $110.17 | 0.000% | 0.000% | 0.000% | XXXXX | 814 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.12 | 0.9 | XXXXX | XXXXX | 78.750% | 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 | 73.08 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000097824 | XXXXX | N/A | No | No | $2,803.45 | $2,803.45 | 7.125% | No | No | US Citizen | 3 | $7,454.04 | $5,997.00 | $621.17 | $499.75 | 0.000% | 0.000% | 0.000% | XXXXX | 751 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.43 | 0.7 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 63.63 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000097858 | XXXXX | N/A | No | No | $3,039.10 | $3,039.10 | 7.250% | No | No | US Citizen | 2 | $6,617.04 | $2,435.04 | $551.42 | $202.92 | 0.000% | 0.000% | 0.000% | XXXXX | 751 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.32 | 0.76 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 53.85 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103654 | XXXXX | N/A | No | No | $794.28 | $794.28 | 7.375% | No | No | US Citizen | US Citizen | 1 | $1,335.48 | $1,101.96 | $111.29 | $91.83 | 0.000% | 0.000% | 0.000% | XXXXX | 778 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.2 | 0.83 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 132.22 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000099222 | XXXXX | N/A | No | No | $1,111.64 | $1,111.64 | 7.125% | No | No | US Citizen | 2 | $5,309.16 | $1,858.32 | $442.43 | $154.86 | 0.000% | 0.000% | 0.000% | XXXXX | 720 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.46 | 0.68 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 26.8 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102668 | XXXXX | N/A | No | Yes | $1,574.58 | $2,914.55 | 6.753% | $1,030.90 | $1,030.90 | 6.625% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $9,354.56 | 1 | $1,648.68 | $0.00 | $137.39 | $0.00 | 45.563% | 45.563% | 45.563% | XXXXX | 722 | No | No | [Coborrower(s) - |
Primary Income - S-Corp (>= 25%)]; Paystubs - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022 [Borrower - | Primary Income - S-Corp (>= 25%)]; Other - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Paystubs - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2022 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Tax Return Extension - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Tax Return Extension - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,574.58 | 6.260% | $1,725.00 | LP / LPA | Accept/Eligible | Yes | No | 6.625% | 2 | 1 | 2 | 0 | 3 | 0 | No | XXXXX | XXXXX | 79.640% | 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 | 74.78 | No | No | $7,686.88 | $0.00 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101719 | XXXXX | N/A | No | No | $1,256.49 | $1,256.49 | 7.125% | No | No | US Citizen | 1 | $4,942.56 | $534.00 | $411.88 | $44.50 | 0.000% | 0.000% | 0.000% | XXXXX | 805 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 800.7 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101717 | XXXXX | N/A | No | No | $1,640.00 | $2,838.06 | 7.621% | $1,505.06 | $1,505.06 | 7.500% | No | No | Employed | US Citizen | $7,610.00 | 1 | $2,115.84 | $609.96 | $176.32 | $50.83 | 43.222% | 43.222% | 43.222% | XXXXX | 812 | No | No | [Borrower - |
Primary Income - Wages]; D1C Income Verification Report - 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 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.170% | $500.00 | 1.0 | None | Yes | No | 7.500% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | 52.100% | No | 1 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 33.92 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102521 | XXXXX | Non QM | Yes | No | $6,552.50 | $7,232.50 | 6.224% | $4,210.74 | $4,210.74 | 6.125% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $24,823.73 | 1 | $10,505.52 | $2,013.12 | $875.46 | $167.76 | 46.159% | 46.159% | 46.159% | XXXXX | 801 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2024 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2023 [Coborrower(s) - | Primary Income - P&L Statement Only]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - P&L Statement Only]; Other - 2025 [Coborrower(s) - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Coborrower(s) - | Primary Income - P&L Statement Only]; P&L Statement - 2024 [Coborrower(s) - | Primary Income - P&L Statement Only]; P&L Statement - 2023 |
Alternative Documentation (A) | 2yr P&L w/o Bank Statements | 0 | 0 | 0 | No | XXXXX | $6,552.50 | 6.260% | $0.00 | 1.8 | None | N/A | No | 6.125% | 0 | 0 | 0 | 0 | 0 | 0 | 24.00 | No | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Trustee | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 7.67 | No | No | $23,052.72 | $0.00 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103114 | XXXXX | Non QM | Yes | No | $11,809.00 | $2,642.92 | 6.853% | $5,954.40 | $5,954.40 | 6.875% | No | No | Employed | US Citizen | $10,473.56 | 1 | $14,162.52 | $2,493.96 | $1,180.21 | $207.83 | 41.814% | 41.814% | 41.814% | XXXXX | 757 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $11,809.00 | 6.230% | $33,000.00 | None | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 6.260% | No | 34 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 5.04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102864 | XXXXX | Non QM | Yes | No | $2,715.00 | $13,048.25 | 8.445% | $6,138.88 | $8,625.50 | 9.987% | No | No | Employed | US Citizen | $14,890.79 | 1 | $20,499.96 | $461.04 | $1,708.33 | $38.42 | 44.897% | 40.100% | 44.897% | XXXXX | 765 | No | No | [Borrower - |
Primary Income - Wages]; Employer Letter - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $2,715.00 | 6.530% | $7,000.00 | 1.3 | None | N/A | No | 9.987% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 40.750% | No | 34 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 64.32 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102338 | XXXXX | Non QM | Yes | No | $8,925.50 | $10,605.29 | 7.699% | $3,635.92 | $3,635.92 | 7.500% | No | No | Self-Employed | US Citizen | $61,388.50 | 1 | $8,129.52 | $3,670.32 | $677.46 | $305.86 | 10.820% | 10.820% | 10.820% | XXXXX | 768 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $8,925.50 | 6.260% | $0.00 | 2.7 | None | Yes | No | 7.500% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 6.51 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000104810 | XXXXX | N/A | No | No | $8,662.50 | $8,662.50 | 6.875% | No | No | US Citizen | 1 | $28,489.32 | $8,096.52 | $2,374.11 | $674.71 | 0.000% | 0.000% | 0.000% | XXXXX | 786 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.83 | 0.55 | 360 | XXXXX | XXXXX | 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 | 148.01 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100733 | XXXXX | N/A | No | No | $4,647.72 | $4,647.72 | 7.750% | No | No | Permanent Resident Alien | 1 | $9,837.72 | $1,722.00 | $819.81 | $143.50 | 0.000% | 0.000% | 0.000% | XXXXX | 795 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.6 | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.91 | 1.1 | XXXXX | XXXXX | 30.420% | 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 | 8.49 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000098009 | XXXXX | N/A | No | No | $2,709.34 | $2,709.34 | 6.875% | No | No | US Citizen | 2 | $8,732.40 | $1,518.24 | $727.70 | $126.52 | 0.000% | 0.000% | 0.000% | XXXXX | 755 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.18 | 0.85 | XXXXX | XXXXX | 47.300% | 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 | 24.07 | Yes | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101868 | XXXXX | N/A | No | Yes | $0.00 | 6.449% | $1,529.60 | $1,529.60 | 6.500% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $9,475.11 | 1 | $4,867.08 | $1,709.04 | $405.59 | $142.42 | 34.082% | 34.082% | 34.082% | XXXXX | 690 | No | No | Third Party Prepared (Unaudited) | [Borrower - |
Primary Income - S-Corp (>= 25%)]; Other - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2022 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2022 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.260% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.500% | 1 | 1 | 2 | 0 | 2 | 0 | 10.00 | No | XXXXX | XXXXX | No | 34 | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 107.97 | No | No | $0.00 | $6,923.78 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000104854 | XXXXX | N/A | No | No | $11,000.00 | $11,000.00 | 6.875% | No | No | US Citizen | 1 | $31,717.20 | $9,335.76 | $2,643.10 | $777.98 | 0.000% | 0.000% | 0.000% | XXXXX | 763 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.77 | 0.36 | 360 | XXXXX | XXXXX | 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 | 273.48 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103772 | XXXXX | N/A | No | No | $38,501.00 | $28,597.31 | 8.219% | $2,936.70 | $2,936.70 | 7.500% | No | No | Not Employed | Self-Employed | US Citizen | $10,499.15 | 1 | $5,980.92 | $1,661.04 | $498.41 | $138.42 | 22.978% | 22.978% | 22.978% | XXXXX | 811 | No | No | [Coborrower(s) - |
Primary Income - P&L Statement Only]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - P&L Statement Only]; Other - 2025 [Coborrower(s) - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Coborrower(s) - | Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Coborrower(s) - | Primary Income - P&L Statement Only]; Third Party Verification - 2025 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | Yes | XXXXX | $38,501.00 | 6.230% | $0.00 | None | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 12.620% | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 3.05 | No | Yes | $13,554.50 | $0.00 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000104814 | XXXXX | N/A | No | No | $8,662.50 | $8,662.50 | 6.875% | No | No | US Citizen | 1 | $28,423.92 | $8,096.52 | $2,368.66 | $674.71 | 0.000% | 0.000% | 0.000% | XXXXX | 786 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.6 | 0.63 | 360 | XXXXX | XXXXX | 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 | 185.1 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100783 | XXXXX | Non QM | Yes | No | $28,685.40 | $30,398.68 | 7.633% | $8,011.83 | $8,011.83 | 7.375% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $158,777.63 | 1 | $13,126.56 | $1,823.04 | $1,093.88 | $151.92 | 16.628% | 16.628% | 16.628% | XXXXX | 777 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: % | Expense Ratio Source: | #
of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: % | Expense Ratio Source: | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: % | Expense Ratio Source: | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: % | Expense Ratio Source: | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: % | Expense Ratio Source: | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: % | Expense Ratio Source: | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: % | Expense Ratio Source: | # of Bank Statements Required: 12]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: % | Expense Ratio Source: | # of Bank Statements Required: 12]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: % | Expense Ratio Source: | # of Bank Statements Required: 12]; 4506-C (for Business) - 2022 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: % | Expense Ratio Source: | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: % | Expense Ratio Source: | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: % | Expense Ratio Source: | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: % | Expense Ratio Source: | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: % | Expense Ratio Source: | # 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: % | Expense Ratio Source: | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: % | Expense Ratio Source: | # of Bank Statements Required: 12]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: % | Expense Ratio Source: | # of Bank Statements Required: 12]; 4506-C (for Business) - 2023 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: % | Expense Ratio Source: | # of Bank Statements Required: 12]; 4506-C (for Business) - 2022 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $28,685.40 | 6.160% | $0.00 | 5.0 | None | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 44.850% | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 33.95 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000097788 | XXXXX | N/A | No | No | $3,103.90 | $3,103.90 | 7.250% | No | No | US Citizen | 1 | $9,154.08 | $2,148.96 | $762.84 | $179.08 | 0.000% | 0.000% | 0.000% | XXXXX | 751 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.16 | 0.86 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 53.22 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103293 | XXXXX | Non QM | Yes | No | $2,720.00 | $11,877.38 | 8.152% | $4,403.98 | $5,463.17 | 9.000% | No | No | Employed | Permanent Resident Alien | $18,645.31 | 1 | $12,125.04 | $1,604.40 | $1,010.42 | $133.70 | 30.943% | 30.119% | 30.943% | XXXXX | 736 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | Yes | XXXXX | $2,720.00 | 6.530% | $4,000.00 | 1.0 | None | N/A | No | 9.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 58.490% | No | 34 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 46.41 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000104812 | XXXXX | N/A | No | No | $8,662.50 | $8,662.50 | 6.875% | No | No | US Citizen | 1 | $28,316.88 | $8,096.52 | $2,359.74 | $674.71 | 0.000% | 0.000% | 0.000% | XXXXX | 763 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.85 | 0.54 | 360 | XXXXX | XXXXX | 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 | 337.17 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102171 | XXXXX | N/A | No | No | $851.61 | $851.61 | 6.625% | No | No | Non-Permanent Resident Alien | 1 | $1,866.72 | $1,102.32 | $155.56 | $91.86 | 0.000% | 0.000% | 0.000% | XXXXX | 751 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.6 | No | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.59 | 0.63 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 12.74 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000097328 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $1,295.00 | $1,720.20 | 6.864% | $2,671.73 | $2,671.73 | 6.875% | No | No | Employed | US Citizen | $14,489.63 | 1 | $2,284.56 | $981.96 | $190.38 | $81.83 | 35.366% | 35.366% | 35.366% | XXXXX | 811 | No | No | [Borrower - |
Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | Yes | XXXXX | $1,295.00 | 6.310% | $0.00 | DU | ApproveEligible | Yes | No | 6.875% | 0 | 0 | 0 | 3 | 1 | 0.00 | No | Not Stated | XXXXX | XXXXX | No | 22 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 14.13 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000096833 | XXXXX | N/A | No | No | $1,328.94 | $1,328.94 | 7.750% | No | No | US Citizen | 1 | $4,121.52 | $695.04 | $343.46 | $57.92 | 0.000% | 0.000% | 0.000% | XXXXX | 669 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.17 | 0.86 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 94.54 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000104222 | XXXXX | Non QM | Yes | No | $2,720.00 | $8,244.00 | 6.595% | $3,539.58 | $3,539.58 | 6.500% | No | No | Self-Employed | Permanent Resident Alien | $11,984.16 | 1 | $10,025.04 | $1,390.08 | $835.42 | $115.84 | 27.369% | 27.369% | 27.369% | XXXXX | 810 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $2,720.00 | 6.260% | $1,000.00 | 1.5 | None | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | XXXXX | 38.390% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 12.32 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000099830 | XXXXX | N/A | No | No | $852.72 | $852.72 | 7.250% | No | No | US Citizen | 2 | $1,702.08 | $1,098.00 | $141.84 | $91.50 | 0.000% | 0.000% | 0.000% | XXXXX | 741 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.66 | 0.6 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 108.85 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102099 | XXXXX | N/A | No | No | $1,996.38 | $1,996.38 | 6.375% | No | No | US Citizen | 1 | $5,036.64 | $2,069.88 | $419.72 | $172.49 | 0.000% | 0.000% | 0.000% | XXXXX | 711 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.56 | 0.64 | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 77.73 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101529 | XXXXX | N/A | No | No | $2,056.06 | $2,056.06 | 6.750% | No | No | US Citizen | 1 | $10,575.00 | $652.20 | $881.25 | $54.35 | 0.000% | 0.000% | 0.000% | XXXXX | 754 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.07 | 0.94 | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 111.14 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101566 | XXXXX | Non QM | Yes | No | $1,450.00 | $1,872.85 | 6.745% | $2,659.25 | $2,659.25 | 6.750% | No | No | Non-Employment Income | US Citizen | $4,572.49 | 1 | $3,078.24 | $1,848.96 | $256.52 | $154.08 | 0.000% | 0.000% | 0.000% | XXXXX | 768 | Yes | No | [Borrower - |
Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | No | XXXXX | $1,450.00 | 6.170% | $8,000.00 | 1.0 | None | Yes | No | 6.750% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 217.24 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100338 | XXXXX | N/A | No | No | $1,624.16 | $1,624.16 | 7.875% | No | No | US Citizen | 1 | $5,448.48 | $3,318.84 | $454.04 | $276.57 | 0.000% | 0.000% | 0.000% | XXXXX | 777 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.6 | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.89 | 1.12 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 25.85 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000096915 | XXXXX | N/A | No | No | $1,253.72 | $1,253.72 | 7.750% | No | No | US Citizen | 1 | $4,121.52 | $695.04 | $343.46 | $57.92 | 0.000% | 0.000% | 0.000% | XXXXX | 669 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.15 | 0.87 | XXXXX | XXXXX | 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 | 90.27 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000104784 | XXXXX | N/A | No | No | $8,662.50 | $8,662.50 | 6.875% | No | No | US Citizen | 1 | $30,932.52 | $8,096.52 | $2,577.71 | $674.71 | 0.000% | 0.000% | 0.000% | XXXXX | 763 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.83 | 0.55 | 360 | XXXXX | XXXXX | 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 | 264.8 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101579 | XXXXX | N/A | No | No | $1,352.34 | $1,352.34 | 6.625% | No | No | US Citizen | 1 | $3,146.88 | $1,178.04 | $262.24 | $98.17 | 0.000% | 0.000% | 0.000% | XXXXX | 792 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.6 | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.16 | 0.86 | XXXXX | XXXXX | 70.200% | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 71.64 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101787 | XXXXX | N/A | No | No | $1,502.97 | $1,502.97 | 7.250% | No | No | Permanent Resident Alien | 1 | $4,193.04 | $726.00 | $349.42 | $60.50 | 0.000% | 0.000% | 0.000% | XXXXX | 800 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.25 | 0.8 | XXXXX | XXXXX | 13.020% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | 3.87 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000094634 | XXXXX | N/A | No | No | $646.77 | $646.77 | 7.125% | No | No | US Citizen | 1 | $2,031.96 | $1,122.00 | $169.33 | $93.50 | 0.000% | 0.000% | 0.000% | XXXXX | 674 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 3.6 | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.98 | 0.51 | XXXXX | No | Yes | Commitment | Leasehold | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 95.22 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000104857 | XXXXX | N/A | No | No | $11,000.00 | $11,000.00 | 6.875% | No | No | US Citizen | 1 | $32,034.96 | $9,284.16 | $2,669.58 | $773.68 | 0.000% | 0.000% | 0.000% | XXXXX | 806 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.86 | 0.54 | 360 | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 13.4 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102054 | XXXXX | N/A | No | Yes | $0.00 | 6.754% | $3,325.65 | $3,325.65 | 6.750% | No | No | Employed | Not Employed | US Citizen | US Citizen | $234,909.13 | 1 | $18,591.36 | $1,894.92 | $1,549.28 | $157.91 | 5.587% | 5.587% | 5.587% | XXXXX | 795 | No | No | [Borrower - |
Primary Income - K-1 (< 25%)]; Other - 2025 [Borrower - | Primary Income - K-1 (< 25%)]; Other - 2025 [Borrower - | Primary Income - K-1 (< 25%)]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - K-1 (< 25%)]; The Work Number - Income - 2025 [Borrower - | Primary Income - K-1 (< 25%)]; K-1 - 2024 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.260% | $0.00 | LP / LPA | Accept/Eligible | No | No | 6.750% | 0 | 0 | 1 | 0 | 2 | 0 | No | XXXXX | XXXXX | No | 34 | Yes | Preliminary | Fee Simple | Individual | Trustee | Individual | Trustee | No | Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 65.07 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100504 | XXXXX | N/A | No | No | $587.34 | $587.34 | 7.500% | No | No | US Citizen | 1 | $2,158.08 | $590.04 | $179.84 | $49.17 | 0.000% | 0.000% | 0.000% | XXXXX | 742 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.4 | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.2 | 0.84 | XXXXX | XXXXX | 21.930% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 3.16 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100951 | XXXXX | N/A | No | No | $2,806.12 | $2,806.12 | 9.000% | No | No | US Citizen | 1 | $10,308.72 | $2,423.40 | $859.06 | $201.95 | 0.000% | 0.000% | 0.000% | XXXXX | 712 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 9.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.78 | 1.29 | XXXXX | XXXXX | 22.760% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 18.78 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000104111 | XXXXX | Non QM | Yes | No | $10,668.00 | $22,210.90 | 7.049% | $15,368.49 | $15,368.49 | 7.000% | No | No | Employed | Employed | US Citizen | US Citizen | $30,665.08 | 1 | $41,499.12 | $14,130.00 | $3,458.26 | $1,177.50 | 39.627% | 39.627% | 39.627% | XXXXX | 774 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Coborrower(s) - | Primary Income - Wages]; Employer Letter - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $10,668.00 | 6.260% | $19,076.24 | 2.1 | None | No | No | 7.000% | 2 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | 70.230% | No | 34 | 6 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | Yes | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 112.75 | No | $0.00 | $18,750.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000104754 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $11,025.00 | $0.00 | 7.373% | $3,508.63 | $3,508.63 | 7.375% | No | No | Self-Employed | US Citizen | $5,598.63 | 1 | $7,487.88 | $2,661.00 | $623.99 | $221.75 | 44.519% | 44.519% | 44.519% | XXXXX | 761 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2025 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $11,025.00 | 6.320% | $58,095.56 | 1.0 | None | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | XXXXX | 17.340% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 4.16 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000096826 | XXXXX | N/A | No | No | $1,278.80 | $1,278.80 | 7.750% | No | No | US Citizen | 1 | $4,379.16 | $695.04 | $364.93 | $57.92 | 0.000% | 0.000% | 0.000% | XXXXX | 669 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.03 | 0.98 | XXXXX | XXXXX | 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 | 85.16 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000104757 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $17,218.50 | $0.00 | 6.748% | $3,398.33 | $3,398.33 | 6.750% | No | No | Employed | US Citizen | $7,989.84 | 1 | $4,048.92 | $725.04 | $337.41 | $60.42 | 43.575% | 43.575% | 43.575% | XXXXX | 799 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $17,218.50 | 6.220% | $31,619.00 | 1.0 | None | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 22.830% | No | 1 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 6.85 | Yes | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101530 | XXXXX | N/A | No | No | $2,120.92 | $2,120.92 | 6.750% | No | No | US Citizen | 1 | $10,297.80 | $788.16 | $858.15 | $65.68 | 0.000% | 0.000% | 0.000% | XXXXX | 754 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.9 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.04 | 0.96 | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 112.66 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102383 | XXXXX | N/A | No | No | $908.04 | $908.04 | 6.750% | No | No | US Citizen | 1 | $6,872.28 | $1,655.16 | $572.69 | $137.93 | 0.000% | 0.000% | 0.000% | XXXXX | 688 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.2 | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.3 | 0.77 | XXXXX | XXXXX | 85.800% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 50.41 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100955 | XXXXX | Non QM | Yes | No | $2,098.00 | $2,011.88 | 7.367% | $3,259.99 | $3,259.99 | 7.375% | No | No | Self-Employed | US Citizen | $7,152.63 | 1 | $9,892.92 | $1,722.24 | $824.41 | $143.52 | 45.702% | 45.702% | 45.702% | XXXXX | 795 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 38.00000% | 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: 38.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 38.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $2,098.00 | 6.170% | $4,500.00 | 2.6 | None | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 26.780% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 9.69 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100624 | XXXXX | N/A | No | No | $1,002.98 | $1,002.98 | 7.750% | No | No | US Citizen | 3 | $5,468.28 | $3,669.96 | $455.69 | $305.83 | 0.000% | 0.000% | 0.000% | XXXXX | 771 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | No | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.51 | 0.66 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 72.23 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102335 | XXXXX | N/A | No | Yes | $0.00 | 6.699% | $2,750.87 | $2,750.87 | 6.750% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $9,111.83 | 1 | $3,012.00 | $2,911.32 | $251.00 | $242.61 | 21.511% | 21.511% | 21.511% | XXXXX | 761 | No | No | [Borrower - |
Primary Income - Social Security]; Award Letter / Continuance Letter -
2025 [Borrower - | Non-Primary Income - IRA Distribution]; Account Statements - 2025 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Full Doc 1yr - AUS | 0 | 0 | 0 | No | XXXXX | 6.260% | $0.00 | 2.3 | DU | ApproveEligible | No | No | 6.750% | 0 | 0 | 1 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | 100.000% | 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 | 726.52 | No | No | $1,837.20 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102116 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $650.00 | $2,838.80 | 6.407% | $4,195.53 | $4,195.53 | 6.375% | No | No | Employed | US Citizen | $26,708.24 | 1 | $5,048.04 | $6,102.96 | $420.67 | $508.58 | 20.368% | 20.368% | 20.368% | XXXXX | 811 | No | No | [Borrower - |
Primary Income - Wages]; Other - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $650.00 | 6.260% | $0.00 | 2.3 | DU | ApproveEligible | Yes | No | 6.375% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | No | 33 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 4.41 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000104089 | XXXXX | N/A | No | No | $2,675.46 | $2,675.46 | 7.625% | No | No | US Citizen | US Citizen | 4 | $8,120.04 | $5,937.48 | $676.67 | $494.79 | 0.000% | 0.000% | 0.000% | XXXXX | 766 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | No | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.43 | 0.7 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 92.98 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102561 | XXXXX | N/A | No | No | $2,498.51 | $2,498.51 | 7.625% | No | No | US Citizen | 1 | $4,007.04 | $1,122.00 | $333.92 | $93.50 | 0.000% | 0.000% | 0.000% | XXXXX | 747 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 3.3 | No | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.78 | 1.29 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 39.5 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000105143 | XXXXX | Non QM | Yes | No | $2,720.00 | $6,802.29 | 6.514% | $7,742.83 | $7,742.83 | 6.500% | No | No | Employed | Non-Permanent Resident Alien | XXX | $16,590.79 | 1 | $31,463.88 | $0.00 | $2,621.99 | $0.00 | 41.966% | 41.966% | 41.966% | XXXXX | 754 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $2,720.00 | 6.260% | $0.00 | None | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | No | 34 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Employment Authorization | No | 4.08 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102053 | XXXXX | N/A | No | No | $871.62 | $871.62 | 7.125% | No | No | US Citizen | US Citizen | 1 | $5,364.84 | $576.96 | $447.07 | $48.08 | 0.000% | 0.000% | 0.000% | XXXXX | 808 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.46 | 0.68 | XXXXX | XXXXX | 73.180% | 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 | 52.65 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103318 | XXXXX | N/A | No | No | $1,184.24 | $1,184.24 | 7.000% | No | No | US Citizen | 1 | $4,756.32 | $1,047.00 | $396.36 | $87.25 | 0.000% | 0.000% | 0.000% | XXXXX | 778 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.8 | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.2 | 0.83 | XXXXX | XXXXX | 65.880% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 60.09 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102351 | XXXXX | Non QM | Yes | No | $1,640.00 | $6,323.24 | 6.939% | $3,462.01 | $3,462.01 | 6.875% | No | No | Employed | Not Employed | US Citizen | US Citizen | $7,261.53 | 1 | $18,399.24 | $1,562.16 | $1,533.27 | $130.18 | 41.861% | 41.861% | 41.861% | XXXXX | 799 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.260% | $500,000.00 | 1.0 | None | Yes | No | 6.875% | 2 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | 37.550% | No | 34 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 19.41 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101950 | XXXXX | N/A | No | No | $3,565.99 | $3,565.99 | 7.500% | No | No | US Citizen | 1 | $2,268.84 | $1,077.96 | $189.07 | $89.83 | 0.000% | 0.000% | 0.000% | XXXXX | 761 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.79 | 1.26 | XXXXX | XXXXX | 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 | 33.98 | Yes | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101267 | XXXXX | N/A | No | No | $2,376.00 | $8,837.50 | 7.660% | $7,431.83 | $7,431.83 | 7.625% | No | No | Employed | US Citizen | $18,553.90 | 1 | $42,086.88 | $3,612.36 | $3,507.24 | $301.03 | 38.154% | 38.154% | 38.154% | XXXXX | 679 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $2,376.00 | 6.170% | $0.00 | 1.0 | None | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | No | 35 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 10.36 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103201 | XXXXX | N/A | No | Yes | $0.00 | 6.699% | $724.81 | $724.81 | 6.750% | No | No | Employed | Not Employed | US Citizen | US Citizen | $5,423.31 | 2 | $2,298.84 | $1,422.96 | $191.57 | $118.58 | 24.311% | 24.311% | 24.311% | XXXXX | 755 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.230% | $0.00 | DU | ApproveEligible | No | No | 6.750% | 1 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 100.000% | No | 22 | 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 | 245.41 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100912 | XXXXX | N/A | No | Yes | $0.00 | 6.708% | $2,825.94 | $2,825.94 | 6.750% | No | No | Employed | US Citizen | $29,143.39 | 1 | $5,659.56 | $3,218.76 | $471.63 | $268.23 | 25.949% | 25.949% | 25.949% | XXXXX | 779 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.170% | $0.00 | DU | Yes | ApproveEligible | N/A | No | 6.750% | 1 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | No | 39 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Beacon 5.0 | FICO Risk Score Classic 04 | 18.63 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101246 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $1,148.61 | $3,787.43 | 6.535% | $3,095.55 | $3,095.55 | 6.500% | No | No | Self-Employed | US Citizen | $22,149.38 | 1 | $2,927.76 | $1,347.48 | $243.98 | $112.29 | 43.296% | 43.296% | 43.296% | XXXXX | 790 | No | No | [Borrower - |
Primary Income - S-Corp (>= 25%)]; Other - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Other - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Paystubs - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,148.61 | 6.170% | $0.00 | 1.4 | DU | ApproveEligible | Yes | No | 6.500% | 1 | 2 | 0 | 3 | 0 | No | Not Stated | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 12.46 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101570 | XXXXX | N/A | No | No | $1,738.52 | $1,738.52 | 7.625% | No | No | US Citizen | 1 | $4,629.00 | $381.96 | $385.75 | $31.83 | 0.000% | 0.000% | 0.000% | XXXXX | 727 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | 1.0 | Yes | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.83 | 1.21 | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 534.93 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103993 | XXXXX | Non QM | Yes | No | $17,113.75 | $12,113.92 | 6.524% | $3,712.03 | $3,712.03 | 6.375% | No | No | Employed | Permanent Resident Alien | $6,506.92 | 1 | $2,659.32 | $3,174.00 | $221.61 | $264.50 | 49.625% | 49.625% | 49.625% | XXXXX | 795 | No | No | [Borrower - |
Primary Income - Wages]; Other - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | Yes | XXXXX | $17,113.75 | 6.260% | $140,000.00 | 1.5 | None | N/A | No | 6.375% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 9.760% | No | 34 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 10.48 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000104022 | XXXXX | N/A | No | Yes | $0.00 | 7.072% | $2,021.16 | $2,021.16 | 7.125% | No | No | Employed | US Citizen | $6,818.02 | 1 | $2,466.24 | $1,532.88 | $205.52 | $127.74 | 49.334% | 49.334% | 49.334% | XXXXX | 785 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 [Borrower - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.260% | $0.00 | 1.0 | DU | ApproveEligible | No | No | 7.125% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | 55.930% | No | 34 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 51.39 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102433 | XXXXX | N/A | No | Yes | $0.00 | 7.000% | $3,253.99 | $3,253.99 | 7.000% | No | No | Employed | US Citizen | $17,733.97 | 1 | $7,784.16 | $0.00 | $648.68 | $0.00 | 45.434% | 45.434% | 45.434% | XXXXX | 734 | No | No | [Borrower - |
Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.260% | $0.00 | DU | ApproveEligible | N/A | No | 7.000% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | No | 8 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 137.45 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101260 | XXXXX | Non QM | Yes | No | $7,830.00 | $16,156.90 | 7.245% | $6,602.44 | $6,602.44 | 7.125% | No | No | Self-Employed | US Citizen | $17,737.12 | 1 | $15,312.48 | $4,626.96 | $1,276.04 | $385.58 | 48.991% | 48.991% | 48.991% | XXXXX | 770 | No | No | Third Party Prepared (Unaudited) | [Borrower - |
Primary Income - Partnership (>= 25%)]; Balance Sheet - 2025 [Borrower - | Primary Income - Partnership (>= 25%)]; P&L Statement - 2025 [Borrower - | Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Borrower - | Primary Income - Partnership (>= 25%)]; K-1 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $7,830.00 | 6.170% | $0.00 | 2.3 | None | Yes | No | 7.125% | 0 | 2 | 0 | 2 | 2 | 10.17 | No | XXXXX | XXXXX | 38.620% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 23.09 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101198 | XXXXX | N/A | No | No | $2,317.59 | $2,317.59 | 7.125% | No | No | US Citizen | 1 | $6,225.72 | $3,065.04 | $518.81 | $255.42 | 0.000% | 0.000% | 0.000% | XXXXX | 770 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.3 | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.68 | 0.6 | XXXXX | XXXXX | 33.910% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 15.76 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102063 | XXXXX | N/A | No | No | $552.54 | $552.54 | 7.375% | No | No | US Citizen | 1 | $2,430.00 | $2,762.40 | $202.50 | $230.20 | 0.000% | 0.000% | 0.000% | XXXXX | 693 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.51 | 1.97 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 69.29 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102920 | XXXXX | N/A | No | No | $1,034.61 | $1,034.61 | 8.000% | No | No | US Citizen | 1 | $3,875.40 | $1,678.20 | $322.95 | $139.85 | 0.000% | 0.000% | 0.000% | XXXXX | 697 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 3.4 | N/A | No | 8.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.09 | 0.92 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 84.79 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101184 | XXXXX | N/A | No | No | $2,228.75 | $2,228.75 | 7.500% | No | No | US Citizen | 1 | $8,191.08 | $2,990.28 | $682.59 | $249.19 | 0.000% | 0.000% | 0.000% | XXXXX | 733 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 3.3 | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.76 | 1.32 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 5.32 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102340 | XXXXX | N/A | No | No | $3,269.11 | $3,269.11 | 6.249% | No | No | US Citizen | 1 | $8,094.24 | $2,535.96 | $674.52 | $211.33 | 0.000% | 0.000% | 0.000% | XXXXX | 806 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | 1.0 | Yes | No | 6.249% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.96 | 1.04 | XXXXX | XXXXX | 23.530% | No | Yes | Final | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 21 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101255 | XXXXX | N/A | No | No | $6,985.02 | $6,985.02 | 7.750% | No | No | US Citizen | 2 | $29,728.08 | $2,589.00 | $2,477.34 | $215.75 | 0.000% | 0.000% | 0.000% | XXXXX | 744 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.75 | 1.33 | XXXXX | XXXXX | 35.340% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 26.73 | Yes | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100334 | XXXXX | N/A | No | No | $996.38 | $996.38 | 7.500% | No | No | US Citizen | 1 | $2,186.04 | $1,386.96 | $182.17 | $115.58 | 0.000% | 0.000% | 0.000% | XXXXX | 793 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.5 | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.31 | 0.76 | XXXXX | XXXXX | 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 | 101.19 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000104168 | XXXXX | N/A | No | No | $53,192.00 | $38,982.81 | 8.039% | $4,226.93 | $4,226.93 | 7.375% | No | No | Not Employed | Self-Employed | US Citizen | $27,539.14 | 2 | $12,246.12 | $3,985.08 | $1,020.51 | $332.09 | 40.774% | 40.774% | 40.774% | XXXXX | 768 | No | No | [Coborrower(s) - |
Primary Income - P&L Statement Only]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - P&L Statement Only]; Other - 2025 [Coborrower(s) - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Coborrower(s) - | Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Coborrower(s) - | Primary Income - P&L Statement Only]; Third Party Verification - 2025 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $53,192.00 | 6.230% | $0.00 | None | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 30.820% | No | Yes | Final | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 3.55 | No | Yes | $46,498.42 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101700 | XXXXX | Non QM | Yes | No | $1,595.00 | $3,810.50 | 9.654% | $1,580.81 | $1,580.81 | 9.500% | No | No | Self-Employed | Permanent Resident Alien | $4,120.72 | 1 | $1,986.24 | $1,588.44 | $165.52 | $132.37 | 48.306% | 48.306% | 48.306% | XXXXX | 681 | No | Yes | 12 | Personal | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: % | Expense Ratio Source: | #
of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: % | Expense Ratio Source: | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: % | Expense Ratio Source: | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: % | Expense Ratio Source: | # of Bank Statements Required: 12]; Other - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $1,595.00 | 6.170% | $1,000.00 | 1.0 | None | N/A | No | 9.500% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 35.710% | 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 | 14.42 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101621 | XXXXX | N/A | No | Yes | $0.00 | 6.696% | $2,614.66 | $2,614.66 | 6.750% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $22,456.40 | 1 | $11,466.12 | $1,869.96 | $955.51 | $155.83 | 30.367% | 30.367% | 30.367% | XXXXX | 785 | No | No | [Borrower - |
Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; CPA Letter - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; CPA Letter - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Non-Primary Income - K-1 (< 25%)]; CPA Letter - 2025 [Borrower - | Non-Primary Income - K-1 (< 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - K-1 (< 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Coborrower(s) - | Primary Income - Wages]; Employer Letter - 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 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.170% | $0.00 | 1.0 | DU | ApproveEligible | No | No | 6.750% | 1 | 2 | 1 | 0 | 2 | 0 | No | XXXXX | XXXXX | 26.650% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 11.65 | No | No | $0.00 | $12,302.25 | No | No | No | No | 4 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101261 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $5,917.21 | $2,722.11 | 7.519% | $4,623.18 | $4,623.18 | 7.125% | No | No | Employed | Employed | US Citizen | US Citizen | $17,928.62 | 1 | $602.16 | $4,496.76 | $50.18 | $374.73 | 44.022% | 44.022% | 44.022% | XXXXX | 720 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Projected Income]; Employer Letter - 2025 [Coborrower(s) - | Primary Income - Projected Income]; VVOE - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $5,917.21 | 6.260% | $10,000.00 | 1.0 | DU | ApproveEligible | N/A | No | 7.125% | 2 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 41.520% | No | 33 | 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 | 46.78 | No | No | $16,333.33 | $0.00 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102464 | XXXXX | Non QM | Yes | No | $1,640.00 | $2,069.17 | 6.791% | $3,743.06 | $3,743.06 | 6.750% | No | No | Non-Employment Income | US Citizen | $8,088.07 | 1 | $7,589.76 | $5,862.00 | $632.48 | $488.50 | 37.918% | 37.918% | 37.918% | XXXXX | 799 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.260% | $0.00 | 1.0 | None | Yes | No | 6.750% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 289.02 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103803 | XXXXX | Non QM | Yes | No | $2,715.00 | $5,657.42 | 6.806% | $3,599.72 | $3,599.72 | 6.750% | No | No | Employed | Not Employed | US Citizen | US Citizen | $10,071.77 | 1 | $10,151.88 | $1,737.12 | $845.99 | $144.76 | 31.639% | 31.639% | 31.639% | XXXXX | 817 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $2,715.00 | 6.230% | $0.00 | 1.1 | None | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | No | 34 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 2.73 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000105265 | XXXXX | N/A | No | No | $3,521.06 | $3,521.06 | 7.375% | No | No | US Citizen | 1 | $1,488.48 | $1,437.00 | $124.04 | $119.75 | 0.000% | 0.000% | 0.000% | XXXXX | 795 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.25 | 0.8 | XXXXX | 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 | 23.09 | Yes | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103336 | XXXXX | N/A | No | No | $1,073.10 | $1,073.10 | 7.875% | No | No | US Citizen | 1 | $3,444.72 | $1,413.72 | $287.06 | $117.81 | 0.000% | 0.000% | 0.000% | XXXXX | 775 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.08 | 0.92 | XXXXX | XXXXX | 32.870% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 9.96 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000099990 | XXXXX | N/A | No | No | $991.24 | $991.24 | 8.750% | No | No | US Citizen | 1 | $3,267.24 | $888.48 | $272.27 | $74.04 | 0.000% | 0.000% | 0.000% | XXXXX | 683 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.5 | N/A | No | 8.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.81 | 1.23 | XXXXX | 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 | 63.24 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102635 | XXXXX | N/A | No | No | $886.16 | $886.16 | 7.399% | No | No | US Citizen | 1 | $3,920.16 | $939.96 | $326.68 | $78.33 | 0.000% | 0.000% | 0.000% | XXXXX | 748 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.6 | No | No | 7.399% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.24 | 0.81 | XXXXX | XXXXX | 1.250% | 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 | 235.9 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102436 | XXXXX | Non QM | Yes | No | $2,565.00 | $10,016.25 | 6.730% | $4,033.96 | $4,033.96 | 6.625% | No | No | Employed | Permanent Resident Alien | $16,104.00 | 1 | $11,439.96 | $2,595.96 | $953.33 | $216.33 | 40.356% | 40.356% | 40.356% | XXXXX | 739 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $2,565.00 | 6.260% | $0.00 | 1.0 | None | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 49.420% | No | 26 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 33.72 | Yes | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102308 | XXXXX | Non QM | Yes | No | $8,618.00 | $12,690.14 | 6.507% | $4,460.67 | $4,460.67 | 6.375% | No | No | Employed | Non-Permanent Resident Alien | XXX | $8,514.52 | 2 | $9,519.72 | $2,238.00 | $793.31 | $186.50 | 39.398% | 39.398% | 39.398% | XXXXX | 812 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $8,618.00 | 6.260% | $0.00 | None | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 42.670% | No | 33 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Employment Authorization | 5.89 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100602 | XXXXX | Non QM | Yes | No | $1,790.00 | $3,830.11 | 6.699% | $2,081.01 | $2,081.01 | 6.625% | No | No | Non-Employment Income | US Citizen | $1,786.18 | 1 | $18,791.28 | $2,703.24 | $1,565.94 | $225.27 | 0.000% | 0.000% | 0.000% | XXXXX | 795 | Yes | No | [Borrower - |
Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | No | XXXXX | $1,790.00 | 6.160% | $0.00 | 1.0 | None | Yes | No | 6.625% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 260.31 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101584 | XXXXX | N/A | No | Yes | $0.00 | 7.326% | $1,851.01 | $1,851.01 | 7.375% | No | No | Employed | Not Employed | US Citizen | US Citizen | $10,766.26 | 1 | $3,105.72 | $2,440.32 | $258.81 | $203.36 | 36.694% | 36.694% | 36.694% | XXXXX | 785 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 [Borrower - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.170% | $0.00 | 1.3 | LP / LPA | Accept/Eligible | No | No | 7.375% | 2 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | 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 | 13.25 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102013 | XXXXX | N/A | No | Yes | $0.00 | 6.460% | $1,543.47 | $1,543.47 | 6.500% | No | No | Employed | Employed | US Citizen | US Citizen | $9,457.70 | 1 | $1,024.32 | $2,153.76 | $85.36 | $179.48 | 42.988% | 42.988% | 42.988% | XXXXX | 792 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Non-Primary Income - Sole Proprietor]; Other - 2025 [Borrower - | Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Coborrower(s) - | Primary Income - Wages]; Other - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.260% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.500% | 0 | 2 | 1 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 100.000% | No | 22 | 34 | 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 | 162.09 | No | No | $0.00 | $3,960.00 | No | No | No | No | 6 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000098570 | XXXXX | N/A | No | Yes | $0.00 | 6.459% | $2,338.65 | $2,338.65 | 6.500% | No | No | Self-Employed | US Citizen | $26,519.03 | 1 | $6,706.68 | $907.68 | $558.89 | $75.64 | 33.075% | 33.075% | 33.075% | XXXXX | 759 | No | No | [Borrower - |
Primary Income - Partnership (>= 25%)]; Other - 2025 [Borrower - | Primary Income - Partnership (>= 25%)]; Other - 2025 [Borrower - | Primary Income - Partnership (>= 25%)]; Other - 2025 [Borrower - | Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Borrower - | Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Non-Primary Income - C-Corp]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - C-Corp]; 1120 - 2024 [Borrower - | Non-Primary Income - C-Corp]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - C-Corp]; W-2 - 2024 [Borrower - | Non-Primary Income - C-Corp]; 1120 - 2023 [Borrower - | Non-Primary Income - C-Corp]; 4506-C (for Business) - 2023 [Borrower - | Non-Primary Income - C-Corp]; W-2 - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.290% | $0.00 | 1.0 | DU | ApproveEligible | No | No | 6.500% | 2 | 2 | 0 | 2 | 0 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 54.48 | No | No | $0.00 | $0.00 | No | No | No | No | 10 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101836 | XXXXX | Non QM | Yes | No | $31,725.00 | $38,694.75 | 8.154% | $8,990.86 | $8,990.86 | 7.875% | No | Yes | Self-Employed | Not Employed | US Citizen | US Citizen | $117,480.20 | 1 | $16,360.92 | $2,321.52 | $1,363.41 | $193.46 | 25.383% | 25.383% | 25.383% | XXXXX | 721 | No | Yes | 12 | Personal | 100.000% | 33.330% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 33.33% | Expense
Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 33.33% | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 33.33% | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 33.33% | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 33.33% | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $31,725.00 | 6.220% | $0.00 | 1.3 | None | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 52.560% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 40.82 | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000105454 | XXXXX | N/A | No | No | $1,357.66 | $1,357.66 | 6.250% | No | No | US Citizen | US Citizen | 1 | $8,051.76 | $1,281.96 | $670.98 | $106.83 | 0.000% | 0.000% | 0.000% | XXXXX | 742 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.19 | 0.46 | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 99.26 | Yes | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102965 | XXXXX | N/A | No | No | $1,933.57 | $1,933.57 | 7.125% | No | No | US Citizen | 1 | $3,806.04 | $3,249.84 | $317.17 | $270.82 | 0.000% | 0.000% | 0.000% | XXXXX | 745 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 3.7 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.88 | 0.53 | XXXXX | XXXXX | 2.650% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 3.64 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000104140 | XXXXX | N/A | No | No | $37,388.75 | $11,089.24 | 8.671% | $7,899.57 | $10,540.81 | 9.987% | No | No | Self-Employed | Permanent Resident Alien | $33,620.04 | 1 | $11,689.32 | $1,530.00 | $974.11 | $127.50 | 39.312% | 37.234% | 39.312% | XXXXX | 764 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 |
Alternative Documentation (A) | 2yr P&L w/o Bank Statements | 0 | 0 | 0 | No | XXXXX | $37,388.75 | 6.510% | $0.00 | None | Yes | No | 9.987% | 0 | 0 | 0 | 0 | 0 | 24.00 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | No | 7.13 | Yes | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100650 | XXXXX | N/A | No | No | $2,950.62 | $2,950.62 | 7.000% | No | No | US Citizen | 3 | $8,652.60 | $3,794.04 | $721.05 | $316.17 | 0.000% | 0.000% | 0.000% | XXXXX | 712 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | No | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.15 | 0.87 | XXXXX | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 50.08 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000091015 | XXXXX | N/A | No | No | $6,322.61 | $6,322.61 | 7.875% | No | No | US Citizen | 1 | $19,798.68 | $2,022.00 | $1,649.89 | $168.50 | 0.000% | 0.000% | 0.000% | XXXXX | 676 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 4.5 | Yes | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.63 | 1.6 | XXXXX | XXXXX | 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 | 30.98 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101851 | XXXXX | Non QM | Yes | No | $21,801.36 | $22,158.97 | 7.265% | $4,836.75 | $4,836.75 | 7.000% | No | No | Employed | US Citizen | $10,280.65 | 1 | $9,967.20 | $1,992.00 | $830.60 | $166.00 | 38.806% | 38.806% | 38.806% | XXXXX | 781 | No | No | [Borrower - |
Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $21,801.36 | 6.170% | $0.00 | 1.0 | None | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | No | 34 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 6.3 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103372 | XXXXX | N/A | No | No | $664.27 | $664.27 | 7.636% | No | No | US Citizen | 1 | $1,024.68 | $711.96 | $85.39 | $59.33 | 0.000% | 0.000% | 0.000% | XXXXX | 749 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.636% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.85 | 1.18 | XXXXX | XXXXX | 15.200% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 5.75 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100509 | XXXXX | N/A | No | No | $856.44 | $856.44 | 7.375% | No | No | US Citizen | 1 | $4,908.84 | $1,082.04 | $409.07 | $90.17 | 0.000% | 0.000% | 0.000% | XXXXX | 748 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.11 | 0.9 | XXXXX | XXXXX | 1.290% | 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 | 80.7 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102350 | XXXXX | N/A | No | No | $1,698.70 | $1,698.70 | 7.625% | No | No | US Citizen | 2 | $4,132.20 | $2,135.28 | $344.35 | $177.94 | 0.000% | 0.000% | 0.000% | XXXXX | 815 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | No | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.1 | 0.91 | XXXXX | XXXXX | 37.760% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 9.28 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103621 | XXXXX | N/A | No | No | $55,120.00 | $8,532.40 | 7.290% | $6,651.22 | $6,651.22 | 7.250% | No | No | Self-Employed | US Citizen | $17,352.76 | 3 | $16,523.04 | $3,267.00 | $1,376.92 | $272.25 | 34.146% | 34.146% | 34.146% | XXXXX | 784 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $55,120.00 | 6.230% | $19,500.00 | None | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | XXXXX | 54.910% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | 45.98 | No | No | $0.00 | $0.00 | No | No | No | No | 12 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102096 | XXXXX | Non QM | Yes | No | $1,640.00 | $4,236.97 | 7.035% | $8,108.37 | $8,108.37 | 7.000% | No | No | Employed | US Citizen | $15,581.62 | 1 | $20,312.52 | $1,874.04 | $1,692.71 | $156.17 | 47.668% | 47.668% | 47.668% | XXXXX | 800 | No | No | [Borrower - |
Primary Income - Wages]; Other - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; Employer Letter - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; Employer Letter - 2023 [Borrower - | Primary Income - Wages]; Paystubs - 2023 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Borrower - | Primary Income - Wages]; Employer Letter - 2022 [Borrower - | Primary Income - Wages]; Employer Letter - 2021 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.260% | $550.00 | 1.0 | None | No | No | 7.000% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 67.200% | No | 34 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | Yes | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 67.64 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000104604 | XXXXX | N/A | No | No | $5,096.04 | $5,096.04 | 6.750% | No | No | US Citizen | US Citizen | 1 | $14,916.60 | $3,855.96 | $1,243.05 | $321.33 | 0.000% | 0.000% | 0.000% | XXXXX | 751 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.2 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.69 | 1.45 | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Trustee | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 34.19 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101270 | XXXXX | N/A | No | No | $1,611.12 | $1,611.12 | 6.875% | No | No | US Citizen | US Citizen | 4 | $7,605.36 | $5,286.00 | $633.78 | $440.50 | 0.000% | 0.000% | 0.000% | XXXXX | 753 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.18 | 0.85 | XXXXX | XXXXX | 68.400% | 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 | 54 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000104840 | XXXXX | N/A | No | No | $997.85 | $997.85 | 6.999% | No | No | US Citizen | US Citizen | 1 | $1,733.40 | $3,774.84 | $144.45 | $314.57 | 0.000% | 0.000% | 0.000% | XXXXX | 792 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 6.999% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.87 | 0.53 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 59.33 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100365 | XXXXX | N/A | No | Yes | $0.00 | 6.630% | $901.56 | $901.56 | 6.625% | No | No | Employed | Employed | US Citizen | US Citizen | $7,653.56 | 1 | $3,233.28 | $1,156.80 | $269.44 | $96.40 | 43.846% | 43.846% | 43.846% | XXXXX | 780 | No | No | [Borrower - |
Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.230% | $0.00 | 2.6 | DU | ApproveEligible | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | No | 34 | 34 | 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 | 17.98 | No | No | $0.00 | $6,250.00 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100702 | XXXXX | N/A | No | No | $38,875.00 | $4,895.33 | 8.201% | $4,795.58 | $5,911.50 | 9.072% | No | No | Self-Employed | US Citizen | $33,566.11 | 1 | $10,165.44 | $1,231.44 | $847.12 | $102.62 | 30.775% | 30.340% | 30.775% | XXXXX | 803 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 |
Alternative Documentation (A) | 2yr P&L w/o Bank Statements | 0 | 0 | 0 | No | XXXXX | $38,875.00 | 6.550% | $0.00 | 1.4 | None | N/A | No | 9.072% | 0 | 0 | 0 | 0 | 0 | 24.00 | No | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Trustee | No | Trustee | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 69.78 | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103446 | XXXXX | N/A | No | No | $1,397.14 | $1,397.14 | 7.000% | No | No | US Citizen | 1 | $6,935.76 | $1,037.04 | $577.98 | $86.42 | 0.000% | 0.000% | 0.000% | XXXXX | 801 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.19 | 0.84 | XXXXX | XXXXX | 59.170% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 13.77 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000097430 | XXXXX | N/A | No | No | $1,241.56 | $1,241.56 | 7.250% | No | No | US Citizen | 1 | $2,745.36 | $1,091.04 | $228.78 | $90.92 | 0.000% | 0.000% | 0.000% | XXXXX | 797 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.46 | 0.69 | XXXXX | XXXXX | 31.920% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 36.94 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100280 | XXXXX | N/A | No | No | $1,717.98 | $1,717.98 | 7.125% | No | No | US Citizen | 1 | $2,744.64 | $1,187.04 | $228.72 | $98.92 | 0.000% | 0.000% | 0.000% | XXXXX | 748 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.8 | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.95 | 1.05 | XXXXX | XXXXX | 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 | 316.54 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100792 | XXXXX | N/A | No | No | $985.39 | $985.39 | 6.875% | No | No | US Citizen | US Citizen | 1 | $2,165.52 | $906.00 | $180.46 | $75.50 | 0.000% | 0.000% | 0.000% | XXXXX | 786 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.28 | 0.78 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Risk Score Classic 04 | No | 111.88 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000104558 | XXXXX | Non QM | Yes | No | $2,525.00 | $6,778.40 | 6.942% | $4,072.96 | $4,072.96 | 6.875% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $12,265.91 | 1 | $7,421.88 | $2,676.00 | $618.49 | $223.00 | 44.717% | 44.717% | 44.717% | XXXXX | 759 | 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]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $2,525.00 | 6.190% | $0.00 | 1.0 | None | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 25.690% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 40.78 | Yes | No | $11,093.70 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100466 | XXXXX | N/A | No | No | $2,207.28 | $2,207.28 | 6.875% | No | No | US Citizen | 1 | $8,855.64 | $921.96 | $737.97 | $76.83 | 0.000% | 0.000% | 0.000% | XXXXX | 763 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.03 | 0.97 | XXXXX | XXXXX | 55.410% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 39.47 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000098084 | XXXXX | N/A | No | Yes | $1,295.00 | $3,369.20 | 6.917% | $2,512.75 | $2,512.75 | 6.875% | No | No | Employed | Not Employed | US Citizen | US Citizen | $16,248.62 | 4 | $4,870.08 | $4,899.12 | $405.84 | $408.26 | 35.006% | 35.006% | 35.006% | XXXXX | 775 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $1,295.00 | 6.290% | $0.00 | LP / LPA | Accept/Eligible | No | No | 6.875% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | No | 33 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 12.6 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100867 | XXXXX | N/A | No | Yes | $0.00 | 6.866% | $1,650.53 | $1,650.53 | 6.875% | No | No | Self-Employed | US Citizen | $13,630.19 | 1 | $5,575.68 | $1,181.04 | $464.64 | $98.42 | 40.046% | 40.046% | 40.046% | XXXXX | 778 | No | No | [Borrower - |
Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.170% | $0.00 | 1.0 | DU | ApproveEligible | No | No | 6.875% | 1 | 1 | 0 | 3 | 1 | No | XXXXX | XXXXX | 11.370% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 18.98 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101114 | XXXXX | Non QM | Yes | No | $1,640.00 | $4,577.93 | 7.027% | $3,728.36 | $3,728.36 | 7.000% | No | No | Employed | US Citizen | $8,467.81 | 1 | $11,439.00 | $2,526.96 | $953.25 | $210.58 | 37.922% | 37.922% | 37.922% | XXXXX | 809 | No | No | [Borrower - |
Primary Income - Wages]; Employer Letter - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.170% | $170,000.00 | 1.0 | None | No | No | 7.000% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | 16.210% | No | 33 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 21.08 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101501 | XXXXX | Non QM | Yes | No | $11,108.00 | $15,647.96 | 6.477% | $6,563.11 | $6,563.11 | 6.375% | No | No | Non-Employment Income | US Citizen | $5,465.41 | 1 | $16,437.48 | $1,581.00 | $1,369.79 | $131.75 | 0.000% | 0.000% | 0.000% | XXXXX | 799 | Yes | No | [Borrower - |
Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | Yes | XXXXX | $11,108.00 | 6.170% | $10,000.00 | 1.0 | None | No | No | 6.375% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | XXXXX | XXXXX | 100.000% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 290.77 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101799 | XXXXX | N/A | No | No | $2,203.13 | $2,203.13 | 7.500% | No | No | US Citizen | 1 | $4,719.12 | $1,569.84 | $393.26 | $130.82 | 0.000% | 0.000% | 0.000% | XXXXX | 719 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.39 | 0.72 | 240 | XXXXX | No | Yes | Short Form | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 50.13 | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103603 | XXXXX | N/A | No | Yes | $0.00 | 7.000% | $2,188.85 | $2,188.85 | 7.000% | No | No | Self-Employed | US Citizen | $15,232.53 | 2 | $3,822.24 | $1,756.08 | $318.52 | $146.34 | 43.201% | 43.201% | 43.201% | XXXXX | 720 | No | No | [Borrower - |
Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.230% | $0.00 | DU | ApproveEligible | No | No | 7.000% | 0 | 2 | 0 | 2 | 0 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 155.38 | No | No | $0.00 | $0.00 | No | No | No | No | 10 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103014 | XXXXX | N/A | No | Yes | $0.00 | 7.491% | $863.34 | $863.34 | 7.375% | No | No | Employed | US Citizen | $5,208.07 | 1 | $4,695.48 | $1,347.60 | $391.29 | $112.30 | 22.958% | 22.958% | 22.958% | XXXXX | 785 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.230% | $0.00 | 1.0 | LP / LPA | Accept/Eligible | Yes | No | 7.375% | 1 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 31.280% | No | 34 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 6.13 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102169 | XXXXX | Non QM | Yes | No | $2,810.00 | $8,572.39 | 6.556% | $4,930.13 | $4,930.13 | 6.500% | No | No | Non-Employment Income | US Citizen | $7,306.38 | 1 | $18,898.32 | $360.96 | $1,574.86 | $30.08 | 53.887% | 53.887% | 53.887% | XXXXX | 801 | Yes | No | [Borrower - |
Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Borrower - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | No | XXXXX | $2,810.00 | 6.260% | $0.00 | 1.0 | None | Yes | No | 6.500% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | XXXXX | XXXXX | 100.000% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 181.5 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102364 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $1,845.00 | $5,081.93 | 7.406% | $1,637.22 | $1,637.22 | 7.250% | No | No | Employed | US Citizen | $2,216.39 | 1 | $1,676.88 | $2,516.04 | $139.74 | $209.67 | 49.455% | 49.455% | 49.455% | XXXXX | 781 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; 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 | No | XXXXX | $1,845.00 | 6.260% | $70,000.00 | 3.0 | DU | ApproveEligible | No | No | 7.250% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 0.870% | No | 33 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 2.37 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103065 | XXXXX | N/A | No | Yes | $0.00 | 6.337% | $1,122.97 | $1,122.97 | 6.375% | No | No | Employed | US Citizen | $11,915.40 | 1 | $3,870.12 | $929.04 | $322.51 | $77.42 | 31.912% | 31.912% | 31.912% | XXXXX | 745 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.230% | $0.00 | 1.0 | LP / LPA | Accept/Eligible | Yes | No | 6.375% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 99.190% | No | 4 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 110.23 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103342 | XXXXX | Non QM | Yes | No | $1,720.00 | $11,318.60 | 6.636% | $14,118.86 | $14,118.86 | 6.625% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $9,300.07 | 1 | $20,869.92 | $8,031.96 | $1,739.16 | $669.33 | 0.000% | 0.000% | 0.000% | XXXXX | 798 | Yes | No | [Borrower - |
Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | No | XXXXX | $1,720.00 | 6.230% | $0.00 | 1.5 | None | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 197.09 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000104172 | XXXXX | N/A | No | Yes | $1,982.50 | $3,335.09 | 7.547% | $1,084.36 | $1,084.36 | 7.375% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $10,622.63 | 1 | $3,290.04 | $883.20 | $274.17 | $73.60 | 42.238% | 42.238% | 42.238% | XXXXX | 782 | No | No | [Borrower - |
Primary Income - Pension]; Award Letter / Continuance Letter - 2025 [Borrower - | Non-Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2025 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | No | XXXXX | $1,982.50 | 6.260% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 7.375% | 0 | 0 | 1 | 0 | 3 | 1 | 0.00 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 392.23 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103703 | XXXXX | N/A | No | No | $3,143.55 | $3,143.55 | 7.000% | No | No | US Citizen | 4 | $10,230.72 | $3,541.56 | $852.56 | $295.13 | 0.000% | 0.000% | 0.000% | XXXXX | 798 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | No | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.14 | 0.88 | XXXXX | XXXXX | 24.530% | 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 | 4.96 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102567 | XXXXX | Non QM | Yes | No | $2,330.00 | $3,946.94 | 7.017% | $1,402.54 | $1,402.54 | 6.875% | No | No | Employed | Employed | US Citizen | Permanent Resident Alien | $15,468.48 | 1 | $2,940.60 | $1,767.96 | $245.05 | $147.33 | 39.784% | 39.784% | 39.784% | XXXXX | 783 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $2,330.00 | 6.190% | $0.00 | 3.7 | None | Yes | No | 6.875% | 2 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 100.000% | No | 33 | 35 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 128.12 | No | No | $0.00 | $14,100.72 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000093537 | XXXXX | N/A | No | No | $1,415.63 | $1,415.63 | 7.750% | No | No | US Citizen | 1 | $3,247.56 | $713.04 | $270.63 | $59.42 | 0.000% | 0.000% | 0.000% | XXXXX | 815 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.05 | 0.96 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 26.21 | Yes | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101750 | XXXXX | N/A | No | Yes | $0.00 | 5.715% | $1,334.92 | $1,334.92 | 5.750% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $12,812.38 | 1 | $6,830.88 | $1,658.88 | $569.24 | $138.24 | 41.887% | 41.887% | 41.887% | XXXXX | 793 | No | No | [Borrower - |
Primary Income - Pension]; 1099-R - 2024 [Borrower - | Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2025 [Coborrower(s) - | Non-Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Non-Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Non-Primary Income - Wages]; WVOE - 2025 [Coborrower(s) - | Non-Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Pension]; 1099-R - 2024 [Coborrower(s) - | Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.170% | $0.00 | 2.3 | DU | ApproveEligible | Yes | No | 5.750% | 0 | 1 | 0 | 0 | 1 | 0 | 0.00 | No | XXXXX | XXXXX | 100.000% | No | 34 | 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 | 159.03 | No | No | $8,841.64 | $4,583.33 | No | No | No | No | 4 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103607 | XXXXX | N/A | No | Yes | $0.00 | 6.337% | $1,070.72 | $1,070.72 | 6.375% | No | No | Non-Employment Income | US Citizen | $3,347.48 | 1 | $648.72 | $1,133.40 | $54.06 | $94.45 | 46.638% | 46.638% | 46.638% | XXXXX | 691 | No | No | [Borrower - |
Primary Income - Social Security]; Award Letter / Continuance Letter -
2025 [Borrower - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.230% | $0.00 | 1.0 | DU | ApproveEligible | No | No | 6.375% | 0 | 1 | 0 | 1 | 0 | 0.00 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 72.77 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103107 | XXXXX | Non QM | Yes | No | $29,079.44 | $26,746.39 | 6.725% | $11,967.41 | $11,967.41 | 6.625% | No | No | Employed | US Citizen | $29,267.91 | 1 | $17,268.24 | $23,644.68 | $1,439.02 | $1,970.39 | 49.698% | 49.698% | 49.698% | XXXXX | 777 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $29,079.44 | 6.230% | $0.00 | 1.2 | None | No | No | 6.625% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | No | 35 | Yes | Commitment | Leasehold | Individual | Trustee | No | Trustee | No | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 93.49 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103310 | XXXXX | N/A | No | No | $842.22 | $842.22 | 6.375% | No | No | US Citizen | 1 | $6,586.92 | $2,094.00 | $548.91 | $174.50 | 0.000% | 0.000% | 0.000% | XXXXX | 809 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.23 | 0.81 | XXXXX | XXXXX | 56.970% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 60.68 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000104240 | XXXXX | N/A | No | No | $0.00 | $0.00 | 6.586% | $2,465.20 | $2,465.20 | 6.625% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $8,169.51 | 1 | $8,195.04 | $1,007.04 | $682.92 | $83.92 | 15.989% | 15.989% | 15.989% | XXXXX | 786 | No | No | [Borrower - |
Primary Income - S-Corp (>= 25%)]; Other - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Other - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Coborrower(s) - | Primary Income - Wages]; Other - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.190% | $0.00 | 1.0 | DU | ApproveEligible | N/A | No | 6.625% | 1 | 2 | 2 | 0 | 2 | 2 | No | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 161.45 | No | No | $0.00 | $3,054.37 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100807 | XXXXX | N/A | No | No | $1,396.76 | $1,396.76 | 7.250% | No | No | 0 | US Citizen | US Citizen | 1 | $2,282.28 | $3,681.24 | $190.19 | $306.77 | 0.000% | 0.000% | 0.000% | XXXXX | 713 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.0 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.06 | 0.95 | XXXXX | XXXXX | 5.710% | No | Yes | Commitment | Fee Simple | Corp | 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 | 10.3 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101019 | XXXXX | Non QM | Yes | No | $2,638.80 | $6,792.52 | 6.983% | $4,099.24 | $4,099.24 | 6.875% | No | No | Employed | Employed | US Citizen | US Citizen | $14,479.20 | 1 | $4,947.36 | $1,878.96 | $412.28 | $156.58 | 36.794% | 36.794% | 36.794% | XXXXX | 780 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $2,638.80 | 6.170% | $700.00 | 3.6 | None | Yes | No | 6.875% | 1 | 2 | 0 | 0 | 2 | 2 | 0.00 | No | XXXXX | XXXXX | 29.370% | No | 15 | 34 | 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 | 13.85 | No | No | $0.00 | $6,499.46 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101625 | XXXXX | N/A | No | No | $2,928.34 | $2,928.34 | 7.750% | No | No | US Citizen | 1 | $6,457.08 | $2,718.48 | $538.09 | $226.54 | 0.000% | 0.000% | 0.000% | XXXXX | 754 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.72 | 1.38 | XXXXX | XXXXX | 1.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 8.65 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102135 | XXXXX | N/A | No | No | $1,653.93 | $1,653.93 | 6.750% | No | No | US Citizen | 1 | $3,982.80 | $3,894.72 | $331.90 | $324.56 | 0.000% | 0.000% | 0.000% | XXXXX | 802 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.06 | 0.94 | XXXXX | XXXXX | 9.300% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 5.19 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102414 | XXXXX | N/A | No | No | $2,148.86 | $2,148.86 | 7.250% | No | No | US Citizen | US Citizen | 1 | $10,695.24 | $789.96 | $891.27 | $65.83 | 0.000% | 0.000% | 0.000% | XXXXX | 803 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.3 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.86 | 1.17 | XXXXX | XXXXX | 15.440% | 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 | 17.47 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000097085 | XXXXX | N/A | No | No | $3,405.14 | $3,405.14 | 6.750% | No | No | Permanent Resident Alien | 4 | $18,548.88 | $4,188.96 | $1,545.74 | $349.08 | 0.000% | 0.000% | 0.000% | XXXXX | 696 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.52 | 0.66 | XXXXX | XXXXX | 61.780% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 7.96 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101830 | XXXXX | N/A | No | Yes | $0.00 | $0.00 | 7.078% | $853.94 | $853.94 | 7.125% | No | No | Employed | Employed | US Citizen | US Citizen | $11,665.87 | 2 | $3,751.08 | $969.00 | $312.59 | $80.75 | 29.026% | 29.026% | 29.026% | XXXXX | 770 | No | No | [Borrower - |
Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | Yes | XXXXX | 6.260% | $3,380.00 | DU | ApproveEligible | No | No | 7.125% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 68.160% | No | 34 | 34 | 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 | 52.91 | No | No | $0.00 | $7,077.72 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102785 | XXXXX | N/A | No | Yes | $0.00 | $0.00 | 6.834% | $4,311.10 | $4,311.10 | 6.875% | No | No | Self-Employed | US Citizen | $24,889.39 | 1 | $2,381.16 | $1,171.92 | $198.43 | $97.66 | 29.441% | 29.441% | 29.441% | XXXXX | 803 | No | No | [Borrower - |
Primary Income - S-Corp (>= 25%)]; Other - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Other - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.230% | $0.00 | 3.6 | DU | ApproveEligible | No | No | 6.875% | 1 | 1 | 0 | 2 | 0 | No | XXXXX | XXXXX | 75.900% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 105.16 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000105544 | XXXXX | Non QM | Yes | No | $17,375.00 | $31,445.50 | 6.812% | $19,457.94 | $19,457.94 | 6.750% | No | No | Self-Employed | US Citizen | $56,748.61 | 1 | $24,136.56 | $10,893.96 | $2,011.38 | $907.83 | 31.440% | 31.440% | 31.440% | XXXXX | 750 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $17,375.00 | 6.230% | $0.00 | None | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 22.00 | No | XXXXX | 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 | 50.88 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100479 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $0.00 | $1,518.43 | 6.497% | $2,389.22 | $2,389.22 | 6.500% | No | No | Employed | US Citizen | $22,638.78 | 1 | $2,457.96 | $2,772.96 | $204.83 | $231.08 | 17.677% | 17.677% | 17.677% | XXXXX | 786 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.230% | $0.00 | 1.0 | LP / LPA | Accept/Eligible | Yes | No | 6.500% | 0 | 0 | 0 | 1 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | No | 11 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | No | 101.36 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102534 | XXXXX | N/A | No | Yes | $0.00 | $0.00 | 6.698% | $1,464.21 | $1,464.21 | 6.750% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $8,683.28 | 1 | $4,665.84 | $3,191.04 | $388.82 | $265.92 | 26.240% | 26.240% | 26.240% | XXXXX | 806 | Yes | No | [Borrower - |
Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Full Documentation (F) | Full Doc 1yr - AUS | 0 | 0 | 0 | No | XXXXX | 6.260% | $2,304.00 | 1.0 | DU | ApproveEligible | No | No | 6.750% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | 360 | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Trustee | Individual | Trustee | No | Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 2147.66 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000098320 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $388.75 | $4,613.97 | 6.633% | $5,154.50 | $5,154.50 | 6.625% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $10,967.06 | 1 | $7,154.64 | $4,369.80 | $596.22 | $364.15 | 49.218% | 49.218% | 49.218% | XXXXX | 775 | No | No | [Borrower - |
Primary Income - S-Corp (>= 25%)]; Other - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Other - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Paystubs - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; Other - 2025 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; Other - 2025 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; Other - 2025 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Non-Primary Income - Trust Income]; Other - 2025 [Coborrower(s) - | Non-Primary Income - Trust Income]; Other - 2025 [Coborrower(s) - | Non-Primary Income - Trust Income]; K-1 - 2024 [Coborrower(s) - | Non-Primary Income - Trust Income]; K-1 - 2023 [Coborrower(s) - | Non-Primary Income - Trust Income]; Trust Agreement - 2016 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $388.75 | 6.190% | $0.00 | 3.2 | DU | ApproveEligible | No | No | 6.625% | 1 | 0 | 1 | 0 | 2 | 2 | No | Not Stated | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 122.35 | No | No | $9,623.92 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000097503 | XXXXX | N/A | No | No | $1,386.82 | $1,386.82 | 8.000% | No | No | US Citizen | 1 | $3,150.12 | $1,809.96 | $262.51 | $150.83 | 0.000% | 0.000% | 0.000% | XXXXX | 682 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.2 | Yes | No | 8.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.04 | 0.96 | XXXXX | 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 | 99.84 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100451 | XXXXX | N/A | No | Yes | $0.00 | 6.460% | $2,216.19 | $2,216.19 | 6.500% | No | No | Employed | Not Employed | US Citizen | US Citizen | $16,008.88 | 1 | $3,649.08 | $1,235.40 | $304.09 | $102.95 | 33.758% | 33.758% | 33.758% | XXXXX | 763 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2022 |
[Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; Transcripts (1040) - 2022 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; Transcripts (1040) - 2022 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.160% | $0.00 | 2.6 | DU | ApproveEligible | No | No | 6.500% | 3 | 0 | 0 | 0 | 3 | 3 | 0.00 | No | XXXXX | XXXXX | 100.000% | No | 34 | 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 | 147.62 | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102683 | XXXXX | Non QM | Yes | No | $1,640.00 | $760.82 | 7.010% | $11,516.39 | $11,516.39 | 7.000% | No | No | Employed | Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | XXX | XXX | $23,271.62 | 1 | $27,048.60 | $2,761.08 | $2,254.05 | $230.09 | 43.462% | 43.462% | 43.462% | XXXXX | 769 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; Vesting Schedule - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - No Results Returned - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.170% | $0.00 | 1.3 | None | Yes | No | 7.000% | 2 | 1 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | 40.400% | No | 34 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | Yes | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Passport, VISA | Passport, VISA | 35.73 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101316 | XXXXX | N/A | No | No | $2,694.87 | $2,694.87 | 7.125% | No | No | US Citizen | US Citizen | 1 | $10,715.28 | $1,489.68 | $892.94 | $124.14 | 0.000% | 0.000% | 0.000% | XXXXX | 809 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.9 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.55 | 0.65 | XXXXX | XXXXX | 90.750% | 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 | 49.32 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100357 | XXXXX | Non QM | Yes | Yes | $1,870.49 | $2,464.79 | 6.926% | $1,798.22 | $1,798.22 | 6.875% | No | No | Employed | US Citizen | $6,223.61 | 1 | $2,868.36 | $1,484.52 | $239.03 | $123.71 | 43.033% | 43.033% | 43.033% | XXXXX | 763 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,870.49 | 6.190% | $0.00 | 1.8 | DU | ApproveEligible | No | No | 6.875% | 1 | 1 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 29.17 | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100694 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $0.00 | $2,174.59 | 6.751% | $2,724.11 | $2,724.11 | 6.750% | No | No | Employed | Employed | US Citizen | US Citizen | $36,147.33 | 1 | $2,403.24 | $1,262.40 | $200.27 | $105.20 | 30.447% | 30.447% | 30.447% | XXXXX | 767 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; Year End Summary - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.160% | $0.00 | LP / LPA | Accept/Eligible | Yes | No | 6.750% | 2 | 1 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 47.720% | No | 35 | 35 | 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 | 34.72 | No | No | $0.00 | $35,720.33 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102764 | XXXXX | Non QM | Yes | No | $1,640.00 | $4,187.95 | 7.164% | $8,084.62 | $8,084.62 | 7.125% | No | No | Employed | Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | XXX | XXX | $14,023.91 | 1 | $18,754.20 | $1,748.52 | $1,562.85 | $145.71 | 44.347% | 44.347% | 44.347% | XXXXX | 781 | No | No | [Borrower - |
Primary Income - Wages]; Employer Letter - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2023 [Coborrower(s) - | Non-Primary Income - Housing Allowance]; Paystubs - 2025 [Coborrower(s) - | Non-Primary Income - Housing Allowance]; Employer Letter - 2024 [Coborrower(s) - | Non-Primary Income - Housing Allowance]; Paystubs - 2024 [Coborrower(s) - | Non-Primary Income - Housing Allowance]; W-2 Transcript - 2024 [Coborrower(s) - | Non-Primary Income - Housing Allowance]; Paystubs - 2023 [Coborrower(s) - | Non-Primary Income - Housing Allowance]; W-2 Transcript - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.190% | $0.00 | 1.0 | None | Yes | No | 7.125% | 0 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 25.370% | No | Yes | Preliminary | Fee Simple | Individual | Trustee | Individual | Trustee | No | Trustee | No | Yes | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | VISA | VISA | 19.48 | Yes | No | $3,012.00 | $4,562.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101113 | XXXXX | N/A | No | No | $842.15 | $842.15 | 7.125% | No | No | US Citizen | 1 | $2,395.08 | $5,104.92 | $199.59 | $425.41 | 0.000% | 0.000% | 0.000% | XXXXX | 724 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 5.0 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.22 | 0.45 | XXXXX | 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 | 77.39 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103393 | XXXXX | N/A | No | Yes | $0.00 | 7.330% | $1,022.20 | $1,022.20 | 7.375% | No | No | Employed | US Citizen | $5,665.41 | 1 | $2,049.36 | $1,173.84 | $170.78 | $97.82 | 47.393% | 47.393% | 47.393% | XXXXX | 783 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.230% | $0.00 | 1.1 | DU | ApproveEligible | Yes | No | 7.375% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | 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 | 156.86 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100525 | XXXXX | N/A | No | No | $3,792.41 | $3,792.41 | 6.500% | No | No | US Citizen | 1 | $10,536.72 | $1,527.00 | $878.06 | $127.25 | 0.000% | 0.000% | 0.000% | XXXXX | 778 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.92 | 1.09 | XXXXX | XXXXX | 97.730% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 115.86 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000090658 | XXXXX | N/A | No | No | $1,153.70 | $1,153.70 | 7.500% | No | No | US Citizen | 1 | $2,929.92 | $528.96 | $244.16 | $44.08 | 0.000% | 0.000% | 0.000% | XXXXX | 668 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 3.1 | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.04 | 0.96 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 108.3 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101804 | XXXXX | Non QM | Yes | No | $1,640.00 | $9,275.44 | 6.400% | $7,846.72 | $7,846.72 | 6.375% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $10,725.88 | 1 | $8,975.88 | $1,563.96 | $747.99 | $130.33 | 0.000% | 0.000% | 0.000% | XXXXX | 777 | Yes | No | [Borrower - |
Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.170% | $200,000.00 | 3.6 | None | No | No | 6.375% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | XXXXX | XXXXX | 100.000% | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 258.78 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102625 | XXXXX | N/A | No | No | $1,706.58 | $1,706.58 | 6.500% | No | No | US Citizen | 4 | $16,463.40 | $5,717.64 | $1,371.95 | $476.47 | 0.000% | 0.000% | 0.000% | XXXXX | 767 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.12 | 0.47 | XXXXX | 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 | 1.15 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102863 | XXXXX | N/A | No | No | $4,041.81 | $4,041.81 | 6.750% | No | No | US Citizen | 1 | $12,715.20 | $719.04 | $1,059.60 | $59.92 | 0.000% | 0.000% | 0.000% | XXXXX | 717 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.02 | 0.98 | XXXXX | XXXXX | 55.740% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 17.35 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000099349 | XXXXX | N/A | No | No | $1,182.47 | $1,182.47 | 6.875% | No | No | 0 | US Citizen | US Citizen | 1 | $5,538.24 | $1,602.96 | $461.52 | $133.58 | 0.000% | 0.000% | 0.000% | XXXXX | 804 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.77 | 0.56 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 237.36 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101695 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $0.00 | $0.56 | 6.459% | $2,579.39 | $2,579.39 | 6.500% | No | No | Employed | Employed | US Citizen | US Citizen | $21,137.16 | 1 | $4,905.12 | $2,052.96 | $408.76 | $171.08 | 27.131% | 27.131% | 27.131% | XXXXX | 778 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [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 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.170% | $0.00 | DU | Yes | ApproveEligible | N/A | No | 6.500% | 1 | 1 | 1 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | No | 34 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 222.28 | No | No | $0.00 | $17,807.25 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000104504 | XXXXX | N/A | No | No | $2,218.40 | $2,218.40 | 7.256% | No | No | US Citizen | 1 | $7,727.52 | $2,738.64 | $643.96 | $228.22 | 0.000% | 0.000% | 0.000% | XXXXX | 812 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 7.256% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.87 | 1.14 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 17.5 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100381 | XXXXX | N/A | No | No | $1,129.25 | $1,129.25 | 7.375% | No | No | US Citizen | 1 | $1,509.24 | $477.00 | $125.77 | $39.75 | 0.000% | 0.000% | 0.000% | XXXXX | 785 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.5 | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.27 | 0.79 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 36.08 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103836 | XXXXX | N/A | No | No | $3,789.67 | $3,789.67 | 7.125% | No | No | US Citizen | 2 | $3,057.60 | $2,762.04 | $254.80 | $230.17 | 0.000% | 0.000% | 0.000% | XXXXX | 771 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.26 | 0.79 | XXXXX | XXXXX | 60.430% | No | Yes | Commitment | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 59.56 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101897 | XXXXX | Non QM | Yes | No | $8,533.85 | $5,207.50 | 7.030% | $1,609.48 | $1,609.48 | 6.875% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $12,917.65 | 1 | $5,018.88 | $2,354.04 | $418.24 | $196.17 | 22.613% | 22.613% | 22.613% | XXXXX | 810 | No | Yes | 12 | Personal | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: % | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $8,533.85 | 6.260% | $0.00 | 1.0 | None | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 316.25 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103853 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $3,745.28 | $4,915.19 | 7.094% | $1,245.54 | $1,245.54 | 6.875% | No | No | Employed | US Citizen | $15,291.11 | 1 | $1,501.56 | $369.60 | $125.13 | $30.80 | 21.584% | 21.584% | 21.584% | XXXXX | 809 | No | No | [Borrower - |
Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $3,745.28 | 6.260% | $1,500.00 | DU | Yes | ApproveEligible | N/A | No | 6.875% | 0 | 0 | 0 | 1 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 100.000% | No | 33 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 464.35 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000104329 | XXXXX | Non QM | Yes | No | $1,640.00 | $7,472.82 | 7.224% | $6,589.58 | $7,638.06 | 7.984% | No | No | Employed | Employed | US Citizen | US Citizen | $20,708.85 | 1 | $16,500.60 | $1,545.00 | $1,375.05 | $128.75 | 46.870% | 44.181% | 46.870% | XXXXX | 790 | No | No | [Borrower - |
Primary Income - Wages]; Other - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2022 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2021 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2022 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2021 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2021 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.120% | $0.00 | 1.7 | None | No | No | 7.984% | 4 | 4 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 100.000% | No | 33 | 33 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 203.9 | No | No | $0.00 | $19,396.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103307 | XXXXX | N/A | No | No | $1,532.19 | $1,532.19 | 7.000% | No | No | US Citizen | 1 | $6,355.80 | $1,708.56 | $529.65 | $142.38 | 0.000% | 0.000% | 0.000% | XXXXX | 762 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.0 | No | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.36 | 0.73 | XXXXX | XXXXX | 84.160% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 78.1 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102897 | XXXXX | N/A | No | No | $3,410.20 | $3,410.20 | 7.250% | No | No | US Citizen | US Citizen | 1 | $13,903.56 | $3,117.00 | $1,158.63 | $259.75 | 0.000% | 0.000% | 0.000% | XXXXX | 717 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.81 | 1.24 | XXXXX | XXXXX | 40.850% | 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 | 21.23 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102936 | XXXXX | Non QM | Yes | No | $13,866.20 | $9,217.88 | 6.859% | $3,926.20 | $3,926.20 | 6.750% | No | No | Self-Employed | Permanent Resident Alien | $19,217.52 | 1 | $14,433.36 | $3,714.00 | $1,202.78 | $309.50 | 22.660% | 22.660% | 22.660% | XXXXX | 778 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $13,866.20 | 6.230% | $0.00 | None | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | XXXXX | 75.250% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 73.7 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000097825 | XXXXX | N/A | No | No | $1,534.07 | $1,534.07 | 8.750% | No | No | US Citizen | 2 | $3,350.52 | $3,360.84 | $279.21 | $280.07 | 0.000% | 0.000% | 0.000% | XXXXX | 790 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | No | No | 8.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.12 | 0.89 | XXXXX | 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 | 46.22 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000099832 | XXXXX | N/A | No | No | $852.72 | $852.72 | 7.250% | No | No | US Citizen | 2 | $1,521.00 | $1,076.04 | $126.75 | $89.67 | 0.000% | 0.000% | 0.000% | XXXXX | 741 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.87 | 0.53 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 54.25 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101092 | XXXXX | N/A | No | No | $951.26 | $951.26 | 6.500% | No | No | US Citizen | 1 | $3,947.04 | $552.96 | $328.92 | $46.08 | 0.000% | 0.000% | 0.000% | XXXXX | 776 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.2 | Yes | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.34 | 0.74 | XXXXX | XXXXX | 63.420% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 25.18 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000104308 | XXXXX | Non QM | Yes | No | $11,595.00 | $17,170.16 | 6.799% | $3,160.34 | $3,160.34 | 6.500% | No | No | Self-Employed | US Citizen | $18,945.51 | 2 | $9,301.20 | $2,202.00 | $775.10 | $183.50 | 21.141% | 21.141% | 21.141% | XXXXX | 794 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2025 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $11,595.00 | 6.260% | $0.00 | None | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | XXXXX | 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 | 4.18 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102274 | XXXXX | Non QM | Yes | No | $2,715.00 | $7,234.93 | 6.657% | $6,483.15 | $6,483.15 | 6.625% | No | No | Employed | US Citizen | $11,366.52 | 1 | $16,875.00 | $1,848.96 | $1,406.25 | $154.08 | 42.976% | 42.976% | 42.976% | XXXXX | 809 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $2,715.00 | 6.260% | $0.00 | 1.0 | None | Yes | No | 6.625% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 65.420% | No | 5 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 62.54 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102382 | XXXXX | Non QM | Yes | No | $3,384.00 | $6,413.51 | 6.975% | $2,864.21 | $2,864.21 | 6.875% | No | No | Self-Employed | US Citizen | $5,155.49 | 1 | $3,079.68 | $1,430.04 | $256.64 | $119.17 | 49.132% | 49.132% | 49.132% | XXXXX | 788 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $3,384.00 | 6.260% | $6,578.00 | 1.0 | None | No | No | 6.875% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 48.640% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | Yes | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 60.31 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101834 | XXXXX | N/A | No | No | $2,137.70 | $2,137.70 | 8.375% | No | No | US Citizen | 1 | $2,336.04 | $1,357.08 | $194.67 | $113.09 | 0.000% | 0.000% | 0.000% | XXXXX | 766 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 3.9 | No | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.9 | 1.11 | XXXXX | XXXXX | 6.950% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | 11.2 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102378 | XXXXX | N/A | No | No | $10,400.82 | $10,400.82 | 7.500% | No | No | US Citizen | 1 | $23,526.00 | $2,616.00 | $1,960.50 | $218.00 | 0.000% | 0.000% | 0.000% | XXXXX | 809 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.44 | 2.27 | XXXXX | XXXXX | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 140.02 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102128 | XXXXX | N/A | No | No | $982.63 | $982.63 | 6.750% | No | No | 0 | 0 | US Citizen | US Citizen | US Citizen | 2 | $5,289.00 | $2,844.00 | $440.75 | $237.00 | 0.000% | 0.000% | 0.000% | XXXXX | 780 | Level 2-Stated/Not Verified | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.51 | 0.66 | XXXXX | XXXXX | 65.770% | No | Yes | Commitment | Fee Simple | LLC | Guarantor - Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Guarantor - Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 27.11 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000105893 | XXXXX | N/A | No | No | $1,330.24 | $1,330.24 | 7.250% | No | No | 0 | US Citizen | US Citizen | 1 | $3,967.20 | $656.04 | $330.60 | $54.67 | 0.000% | 0.000% | 0.000% | XXXXX | 830 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.5 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.97 | 1.03 | XXXXX | XXXXX | 58.500% | 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 | 66.07 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101925 | XXXXX | N/A | No | No | $1,842.03 | $1,842.03 | 7.375% | No | No | US Citizen | 1 | $4,518.60 | $1,761.00 | $376.55 | $146.75 | 0.000% | 0.000% | 0.000% | XXXXX | 743 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.2 | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.87 | 1.15 | XXXXX | XXXXX | 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 | 510.67 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102500 | XXXXX | N/A | No | No | $1,010.58 | $1,010.58 | 7.125% | No | No | US Citizen | 1 | $3,280.68 | $1,712.04 | $273.39 | $142.67 | 0.000% | 0.000% | 0.000% | XXXXX | 752 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.3 | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.26 | 0.79 | XXXXX | XXXXX | 63.920% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 42.65 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000104304 | XXXXX | N/A | No | Yes | $0.00 | 7.328% | $2,072.03 | $2,072.03 | 7.375% | No | No | Self-Employed | US Citizen | $15,239.22 | 1 | $10,678.68 | $2,087.88 | $889.89 | $173.99 | 48.719% | 48.719% | 48.719% | XXXXX | 802 | No | No | [Borrower - |
Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search /
Directory Assistance - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2022 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Tax Return Extension (for Business) - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2022 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Tax Return Extension (for Business) - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2022 [Borrower - | Non-Primary Income - K-1 (< 25%)]; K-1 - 2024 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.260% | $0.00 | 1.3 | DU | ApproveEligible | Yes | No | 7.375% | 1 | 1 | 0 | 3 | 0 | No | XXXXX | XXXXX | 32.190% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 10.83 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103900 | XXXXX | N/A | No | No | $594.35 | $594.35 | 8.000% | No | No | US Citizen | 1 | $467.16 | $1,908.00 | $38.93 | $159.00 | 0.000% | 0.000% | 0.000% | XXXXX | 776 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.3 | N/A | No | 8.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.14 | 0.88 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 93.16 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102524 | XXXXX | N/A | No | No | $4,736.01 | $4,736.01 | 7.249% | No | No | US Citizen | 1 | $11,033.52 | $1,649.04 | $919.46 | $137.42 | 0.000% | 0.000% | 0.000% | XXXXX | 772 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | 1.0 | No | No | 7.249% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.76 | 1.32 | 240 | XXXXX | XXXXX | 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 | 84.93 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000099788 | XXXXX | N/A | No | No | $852.72 | $852.72 | 7.250% | No | No | US Citizen | 2 | $1,443.00 | $1,076.04 | $120.25 | $89.67 | 0.000% | 0.000% | 0.000% | XXXXX | 741 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.88 | 0.53 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 104.95 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100460 | XXXXX | N/A | No | No | $1,122.50 | $1,122.50 | 6.375% | No | No | US Citizen | 1 | $3,598.56 | $1,109.04 | $299.88 | $92.42 | 0.000% | 0.000% | 0.000% | XXXXX | 770 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 3.1 | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.09 | 0.92 | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 237.38 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102629 | XXXXX | N/A | No | No | $641.16 | $641.16 | 6.875% | No | No | US Citizen | 1 | $1,353.12 | $1,206.96 | $112.76 | $100.58 | 0.000% | 0.000% | 0.000% | XXXXX | 768 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.6 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.84 | 0.54 | XXXXX | 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 | 136.79 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102264 | XXXXX | N/A | No | No | $800.39 | $800.39 | 6.625% | No | No | US Citizen | 1 | $4,948.20 | $1,967.52 | $412.35 | $163.96 | 0.000% | 0.000% | 0.000% | XXXXX | 771 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.45 | 0.69 | XXXXX | 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 | 42.04 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000104729 | XXXXX | N/A | No | No | $10,145.90 | $10,145.90 | 7.875% | No | No | US Citizen | 3 | $16,845.96 | $3,929.04 | $1,403.83 | $327.42 | 0.000% | 0.000% | 0.000% | XXXXX | 772 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.87 | 1.15 | XXXXX | XXXXX | 5.000% | 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 | 14.75 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000098147 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $2,152.67 | $3,663.04 | 6.922% | $2,795.50 | $2,795.50 | 6.875% | No | No | Employed | US Citizen | $10,106.27 | 1 | $6,131.88 | $2,756.76 | $510.99 | $229.73 | 47.105% | 47.105% | 47.105% | XXXXX | 753 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $2,152.67 | 6.220% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.875% | 1 | 1 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | No | 33 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 130.15 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101793 | XXXXX | Non QM | Yes | No | $2,520.00 | $8,962.44 | 6.902% | $8,934.23 | $8,934.23 | 6.875% | No | No | Self-Employed | US Citizen | $28,799.21 | 1 | $21,400.08 | $1,235.76 | $1,783.34 | $102.98 | 36.634% | 36.634% | 36.634% | XXXXX | 794 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2024 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2023 |
Alternative Documentation (A) | 2yr P&L w/o Bank Statements | 0 | 0 | 0 | No | XXXXX | $2,520.00 | 6.220% | $0.00 | None | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 34.00 | No | XXXXX | XXXXX | 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 | 5.46 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102633 | XXXXX | Non QM | Yes | No | $9,222.00 | $15,042.44 | 6.559% | $4,153.10 | $4,153.10 | 6.375% | No | No | Employed | US Citizen | $7,570.10 | 1 | $11,887.56 | $1,922.04 | $990.63 | $160.17 | 41.769% | 41.769% | 41.769% | XXXXX | 785 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $9,222.00 | 6.260% | $0.00 | 1.3 | None | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 3.040% | No | 33 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 0 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000099431 | XXXXX | N/A | No | Yes | $0.00 | $0.00 | 6.836% | $2,811.66 | $2,811.66 | 6.875% | No | No | Employed | US Citizen | $16,588.80 | 1 | $3,897.36 | $938.04 | $324.78 | $78.17 | 23.153% | 23.153% | 23.153% | XXXXX | 769 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.240% | $5,000.00 | 1.0 | DU | ApproveEligible | No | No | 6.875% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | 35.530% | No | 34 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 21.99 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103327 | XXXXX | N/A | No | No | $2,118.60 | $2,118.60 | 6.875% | No | No | US Citizen | 2 | $1,119.96 | $1,556.04 | $93.33 | $129.67 | 0.000% | 0.000% | 0.000% | XXXXX | 782 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.28 | 0.78 | XXXXX | XXXXX | 35.360% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 7.22 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102531 | XXXXX | N/A | No | No | $3,396.80 | $6,506.92 | 7.588% | $3,356.23 | $3,356.23 | 7.500% | No | No | Employed | Employed | US Citizen | US Citizen | $13,467.54 | 1 | $2,916.60 | $1,485.84 | $243.05 | $123.82 | 39.824% | 39.824% | 39.824% | XXXXX | 809 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $3,396.80 | 6.260% | $0.00 | 4.0 | None | No | No | 7.500% | 2 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | 42.570% | No | 34 | 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 | 28.44 | No | No | $0.00 | $14,863.10 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102574 | XXXXX | N/A | No | No | $1,642.32 | $1,642.32 | 6.875% | No | No | US Citizen | 2 | $6,381.96 | $3,386.64 | $531.83 | $282.22 | 0.000% | 0.000% | 0.000% | XXXXX | 780 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.48 | 0.68 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 72.68 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000097789 | XXXXX | N/A | No | No | $673.72 | $673.72 | 7.125% | No | No | US Citizen | US Citizen | 1 | $3,327.96 | $775.44 | $277.33 | $64.62 | 0.000% | 0.000% | 0.000% | XXXXX | 812 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.18 | 0.85 | XXXXX | XXXXX | 66.240% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 24.63 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100412 | XXXXX | Non QM | Yes | No | $3,110.00 | $6,359.72 | 8.118% | $4,411.83 | $5,714.55 | 9.195% | No | No | Self-Employed | US Citizen | $7,734.36 | 1 | $13,437.48 | $2,376.96 | $1,119.79 | $198.08 | 48.693% | 45.687% | 48.693% | XXXXX | 777 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2024 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $3,110.00 | 6.550% | $0.00 | None | N/A | No | 9.195% | 0 | 0 | 0 | 0 | 0 | 21.00 | No | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 3.19 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102136 | XXXXX | N/A | No | Yes | $0.00 | 6.719% | $1,787.98 | $1,787.98 | 6.750% | No | No | Employed | Permanent Resident Alien | $15,570.09 | 1 | $2,540.16 | $782.04 | $211.68 | $65.17 | 23.760% | 23.760% | 23.760% | XXXXX | 791 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; Account Transcripts - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.260% | $0.00 | 1.0 | LP / LPA | Accept/Eligible | Yes | No | 6.750% | 1 | 0 | 0 | 3 | 1 | 0.00 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 63.98 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000104904 | XXXXX | Non QM | Yes | No | $2,550.00 | $5,662.17 | 7.042% | $4,989.77 | $4,989.77 | 7.000% | No | No | Employed | US Citizen | $11,726.58 | 1 | $8,180.76 | $2,987.04 | $681.73 | $248.92 | 34.852% | 34.852% | 34.852% | XXXXX | 780 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $2,550.00 | 6.190% | $0.00 | 1.0 | None | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | No | 25 | Yes | Preliminary | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 14.82 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101936 | XXXXX | N/A | No | No | $1,241.56 | $1,241.56 | 7.250% | No | No | US Citizen | 1 | $4,373.40 | $1,089.96 | $364.45 | $90.83 | 0.000% | 0.000% | 0.000% | XXXXX | 769 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.77 | 1.31 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 9.84 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101537 | XXXXX | N/A | No | Yes | $0.00 | $0.00 | 6.222% | $2,539.83 | $2,539.83 | 6.250% | No | No | Employed | US Citizen | $12,255.65 | 2 | $5,161.80 | $1,410.00 | $430.15 | $117.50 | 33.327% | 33.327% | 33.327% | XXXXX | 791 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.170% | $6,081.00 | DU | ApproveEligible | No | No | 6.250% | 1 | 1 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 56.380% | No | 34 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 55.58 | No | No | $0.00 | $0.00 | No | No | No | No | 5 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101612 | XXXXX | N/A | No | No | $1,725.55 | $1,725.55 | 6.500% | No | No | US Citizen | 1 | $4,044.60 | $1,193.04 | $337.05 | $99.42 | 0.000% | 0.000% | 0.000% | XXXXX | 799 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.0 | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.11 | 0.9 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 7.74 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102012 | XXXXX | N/A | No | No | $5,909.88 | $5,909.88 | 7.000% | No | No | US Citizen | US Citizen | 1 | $5,399.88 | $4,552.32 | $449.99 | $379.36 | 0.000% | 0.000% | 0.000% | XXXXX | 803 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.0 | Yes | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.96 | 1.04 | XXXXX | XXXXX | 33.380% | 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 | 3.2 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000104218 | XXXXX | N/A | No | No | $906.42 | $906.42 | 6.750% | No | No | US Citizen | 1 | $1,711.08 | $1,536.00 | $142.59 | $128.00 | 0.000% | 0.000% | 0.000% | XXXXX | 817 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.6 | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.27 | 0.78 | XXXXX | XXXXX | 85.110% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 82.09 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000094358 | XXXXX | N/A | No | No | $1,045.61 | $1,045.61 | 8.000% | No | No | US Citizen | 2 | $3,155.40 | $2,916.72 | $262.95 | $243.06 | 0.000% | 0.000% | 0.000% | XXXXX | 809 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 8.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.22 | 0.82 | XXXXX | XXXXX | 38.290% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 11.21 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102542 | XXXXX | N/A | No | No | $3,813.37 | $3,813.37 | 7.250% | No | No | US Citizen | US Citizen | 1 | $4,611.00 | $2,925.96 | $384.25 | $243.83 | 0.000% | 0.000% | 0.000% | XXXXX | 736 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.92 | 1.09 | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 22.12 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103386 | XXXXX | N/A | No | Yes | $0.00 | $0.00 | 7.330% | $3,232.36 | $3,232.36 | 7.375% | No | No | Employed | Not Employed | US Citizen | US Citizen | $88,629.26 | 1 | $5,466.00 | $1,894.80 | $455.50 | $157.90 | 18.188% | 18.188% | 18.188% | XXXXX | 713 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; Employer Letter - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.230% | $5,000.00 | 3.2 | DU | ApproveEligible | Yes | No | 7.375% | 2 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 62.980% | 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 | 60.26 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103232 | XXXXX | N/A | No | No | $1,389.54 | $1,389.54 | 7.125% | No | No | US Citizen | 1 | $3,167.04 | $378.00 | $263.92 | $31.50 | 0.000% | 0.000% | 0.000% | XXXXX | 785 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.09 | 0.92 | XXXXX | XXXXX | 89.270% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 81.58 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100600 | XXXXX | N/A | No | Yes | $0.00 | $0.00 | 7.086% | $1,667.45 | $1,667.45 | 7.125% | No | No | Employed | Employed | Permanent Resident Alien | US Citizen | $20,420.24 | 4 | $4,403.76 | $4,023.00 | $366.98 | $335.25 | 8.501% | 8.501% | 8.501% | XXXXX | 709 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.160% | $1,356.88 | DU | ApproveEligible | No | No | 7.125% | 1 | 1 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | 40.550% | 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 | Resident Alien Card | 18.3 | No | No | $0.00 | $14,583.34 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101411 | XXXXX | Non QM | Yes | No | $2,560.91 | $11,254.64 | 6.783% | $10,046.01 | $10,046.01 | 6.750% | No | No | Non-Employment Income | Permanent Resident Alien | $15,568.66 | 1 | $24,201.24 | $6,944.04 | $2,016.77 | $578.67 | 48.385% | 48.385% | 48.385% | XXXXX | 724 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 1 | 0 | 0 | 0 | No | XXXXX | $2,560.91 | 6.170% | $25,000.00 | 5.0 | None | Yes | No | 6.750% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | XXXXX | XXXXX | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 266.67 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102391 | XXXXX | N/A | No | No | $1,026.30 | $1,026.30 | 7.625% | No | No | US Citizen | 1 | $448.44 | $1,780.32 | $37.37 | $148.36 | 0.000% | 0.000% | 0.000% | XXXXX | 672 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.4 | No | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.9 | 0.53 | XXXXX | 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 | 19.82 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101949 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $1,745.00 | $3,240.60 | 7.506% | $1,505.67 | $1,505.67 | 7.375% | No | No | Employed | US Citizen | $8,612.68 | 1 | $3,260.16 | $2,013.24 | $271.68 | $167.77 | 34.248% | 34.248% | 34.248% | XXXXX | 800 | No | No | [Borrower - |
Primary Income - Wages]; Leave and Earnings Statement (LES) - 2025 [Borrower - | Primary Income - Wages]; Leave and Earnings Statement (LES) - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | Yes | XXXXX | $1,745.00 | 6.260% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 7.375% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 61.830% | No | 33 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 52.78 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103975 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $2,640.00 | $4,895.25 | 7.716% | $3,227.54 | $3,227.54 | 7.625% | No | No | Employed | Non-Permanent Resident Alien | XXX | $6,622.22 | 1 | $13,813.92 | $1,860.96 | $1,151.16 | $155.08 | 41.136% | 41.136% | 41.136% | XXXXX | 786 | No | No | [Borrower - |
Primary Income - Wages]; Employer Letter - 2025 [Borrower - | Primary Income - Wages]; Other - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $2,640.00 | 6.220% | $0.00 | 1.0 | None | No | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 15.080% | No | 12 | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Employment Authorization, Passport | 3.96 | Yes | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101937 | XXXXX | Non QM | Yes | No | $1,640.00 | $4,434.54 | 6.806% | $2,918.69 | $2,918.69 | 6.750% | No | No | Employed | US Citizen | $4,566.32 | 1 | $9,792.96 | $1,390.80 | $816.08 | $115.90 | 50.683% | 50.683% | 50.683% | XXXXX | 803 | No | No | [Borrower - |
Primary Income - Wages]; Other - 2025 [Borrower - | Primary Income - Wages]; Other - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Borrower - | Non-Primary Income - VA Service Related Disability]; Other - 2025 [Borrower - | Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.260% | $0.00 | 2.1 | None | Yes | No | 6.750% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 18.230% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 23.22 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103789 | XXXXX | Non QM | Yes | No | $12,915.00 | $7,901.97 | 6.956% | $4,325.22 | $4,325.22 | 6.875% | No | No | Employed | Permanent Resident Alien | $8,068.56 | 1 | $10,287.48 | $1,794.00 | $857.29 | $149.50 | 48.010% | 48.010% | 48.010% | XXXXX | 752 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $12,915.00 | 6.230% | $3,500.00 | None | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 18.040% | No | 31 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 3.83 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103454 | XXXXX | N/A | No | No | $10,746.18 | $10,746.18 | 7.750% | No | No | US Citizen | 1 | $21,429.72 | $2,940.60 | $1,785.81 | $245.05 | 0.000% | 0.000% | 0.000% | XXXXX | 741 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | No | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.1 | 0.91 | XXXXX | 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 | 101.56 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101167 | XXXXX | N/A | No | No | $2,001.08 | $2,001.08 | 6.250% | No | No | US Citizen | 1 | $3,957.00 | $1,727.04 | $329.75 | $143.92 | 0.000% | 0.000% | 0.000% | XXXXX | 807 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.7 | Yes | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.29 | 0.77 | XXXXX | XXXXX | 65.520% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 26.02 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000099413 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $2,193.75 | $7,551.17 | 6.559% | $4,645.70 | $4,645.70 | 6.500% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $55,151.06 | 1 | $7,283.76 | $671.16 | $606.98 | $55.93 | 27.541% | 27.541% | 27.541% | XXXXX | 707 | No | No | [Borrower - |
Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Other - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Other - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Tax Return Extension - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Tax Return Extension - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | Yes | XXXXX | $2,193.75 | 6.240% | $24,500.00 | 1.0 | LP / LPA | Accept/Eligible | Yes | No | 6.500% | 1 | 1 | 1 | 0 | 3 | 1 | No | Not Stated | XXXXX | XXXXX | 3.000% | No | Yes | Preliminary | Fee Simple | Individual | Trustee | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 85.11 | No | No | $38,056.88 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000104886 | XXXXX | Non QM | Yes | No | $2,715.00 | $5,759.10 | 8.664% | $3,816.76 | $5,091.75 | 9.984% | No | No | Self-Employed | Permanent Resident Alien | $7,353.28 | 1 | $8,358.00 | $2,261.16 | $696.50 | $188.43 | 45.381% | 41.258% | 45.381% | XXXXX | 804 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 |
Alternative Documentation (A) | 2yr P&L w/o Bank Statements | 0 | 0 | 0 | Yes | XXXXX | $2,715.00 | 6.490% | $0.00 | 1.0 | None | N/A | No | 9.984% | 0 | 0 | 0 | 0 | 0 | 25.00 | No | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | No | 0.79 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102118 | XXXXX | N/A | No | No | $1,412.40 | $1,412.40 | 6.875% | No | No | 0 | 0 | US Citizen | US Citizen | US Citizen | 4 | $9,375.96 | $2,619.96 | $781.33 | $218.33 | 0.000% | 0.000% | 0.000% | XXXXX | 786 | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.7 | 0.59 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 87.58 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000105458 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $11,040.00 | $14,972.67 | 8.450% | $3,148.19 | $3,148.19 | 8.125% | No | No | Employed | Self-Employed | Permanent Resident Alien | Permanent Resident Alien | $9,547.90 | 1 | $14,586.84 | $3,060.00 | $1,215.57 | $255.00 | 32.603% | 32.603% | 32.603% | XXXXX | 730 | No | No | [Borrower - |
Primary Income - Wages]; WVOE - 2025 [Coborrower(s) - | Primary Income - P&L Statement Only]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Coborrower(s) - | Primary Income - P&L Statement Only]; Other - 2024 [Coborrower(s) - | Primary Income - P&L Statement Only]; Other - 2023 |
[Borrower]; 1084 or income worksheet - Year Not
Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | Yes | XXXXX | $11,040.00 | 6.230% | $0.00 | 1.0 | None | Yes | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 18.590% | No | 12 | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | Resident Alien Card | 3 | Yes | $3,333.33 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103971 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $22,712.00 | $26,912.87 | 9.023% | $5,369.86 | $5,369.86 | 8.625% | No | No | Self-Employed | US Citizen | $9,463.14 | 1 | $15,214.92 | $2,264.04 | $1,267.91 | $188.67 | 47.644% | 47.644% | 47.644% | XXXXX | 707 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $22,712.00 | 6.220% | $0.00 | 1.0 | None | Yes | No | 8.625% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | XXXXX | 6.860% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 4.42 | Yes | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103972 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $13,420.00 | $9,318.78 | 8.005% | $4,321.41 | $4,321.41 | 7.875% | No | No | Employed | Employed | Permanent Resident Alien | Permanent Resident Alien | $5,123.53 | 1 | $5,303.28 | $1,443.96 | $441.94 | $120.33 | 49.006% | 49.006% | 49.006% | XXXXX | 772 | No | No | [Coborrower(s) - |
Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Non-Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Non-Primary Income - Wages]; WVOE - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
[Borrower]; 1084 or income worksheet - Year Not
Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $13,420.00 | 6.220% | $30,000.00 | 2.2 | None | Yes | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 11.440% | No | 12 | 12 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | Resident Alien Card | 3.17 | Yes | $0.00 | $7,547.21 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100916 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $4,178.25 | $7,354.17 | 6.822% | $3,859.16 | $3,859.16 | 6.750% | No | No | Self-Employed | US Citizen | $6,173.41 | 4 | $12,026.64 | $2,261.28 | $1,002.22 | $188.44 | 49.730% | 49.730% | 49.730% | XXXXX | 805 | No | No | [Borrower - |
Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2025 [Borrower - | Non-Primary Income - Wages]; VVOE - 2025 [Borrower - | Non-Primary Income - Wages]; WVOE - 2025 [Borrower - | Non-Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - No Results Returned - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | XXXXX | $4,178.25 | 6.170% | $0.00 | DU | ApproveEligible | No | No | 6.750% | 2 | 1 | 0 | 3 | 0 | No | Not Stated | XXXXX | XXXXX | No | 34 | Yes | Short Form | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 143.19 | Yes | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103825 | XXXXX | Non QM | Yes | No | $2,647.56 | $3,187.35 | 6.686% | $2,061.80 | $2,061.80 | 6.625% | No | No | Not Employed | Employed | US Citizen | US Citizen | $9,165.59 | 1 | $1,278.00 | $1,373.76 | $106.50 | $114.48 | 43.654% | 43.654% | 43.654% | XXXXX | 801 | No | No | [Coborrower(s) - |
Primary Income - Wages]; Leave and Earnings Statement (LES) - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $2,647.56 | 6.260% | $8,000.00 | 1.0 | None | No | No | 6.625% | 0 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | 39.050% | 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 | 32.17 | No | No | $0.00 | $16,266.67 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102503 | XXXXX | N/A | No | No | $1,443.51 | $1,443.51 | 7.375% | No | No | US Citizen | 1 | $2,544.96 | $852.96 | $212.08 | $71.08 | 0.000% | 0.000% | 0.000% | XXXXX | 713 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.13 | 0.88 | XXXXX | XXXXX | 59.120% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 21.36 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000098521 | XXXXX | N/A | No | No | $1,186.49 | $1,186.49 | 6.375% | No | No | US Citizen | 1 | $1,016.04 | $794.04 | $84.67 | $66.17 | 0.000% | 0.000% | 0.000% | XXXXX | 771 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.9 | 1.11 | XXXXX | 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 | 130.86 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101723 | XXXXX | N/A | No | No | $2,260.16 | $2,260.16 | 6.875% | No | No | 0 | US Citizen | 1 | $2,574.24 | $2,679.96 | $214.52 | $223.33 | 0.000% | 0.000% | 0.000% | XXXXX | 743 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | 240 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | LLC | Guarantor - Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 69.9 | Yes | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102907 | XXXXX | Non QM | Yes | No | $18,365.00 | $25,990.94 | 7.880% | $11,910.35 | $11,910.35 | 7.750% | No | No | Self-Employed | US Citizen | $16,939.51 | 1 | $15,689.64 | $5,192.04 | $1,307.47 | $432.67 | 45.941% | 45.941% | 45.941% | XXXXX | 717 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; Business License - 2024 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | Yes | XXXXX | $18,365.00 | 6.230% | $0.00 | 4.7 | None | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | 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 | 30.31 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103990 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $17,250.00 | $21,484.67 | 8.142% | $5,075.49 | $5,075.49 | 7.875% | No | No | Self-Employed | US Citizen | $8,605.28 | 1 | $6,900.00 | $1,694.04 | $575.00 | $141.17 | 45.147% | 45.147% | 45.147% | XXXXX | 772 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2025 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $17,250.00 | 6.160% | $25,000.00 | 1.0 | None | No | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | XXXXX | 24.660% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 3.28 | Yes | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000106511 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $8,995.00 | $14,086.75 | 8.563% | $1,537.15 | $1,537.15 | 7.875% | No | No | Employed | Non-Permanent Resident Alien | XXX | $3,847.83 | 1 | $3,664.56 | $1,652.64 | $305.38 | $137.72 | 40.501% | 40.501% | 40.501% | XXXXX | 743 | No | No | [Borrower - |
Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $8,995.00 | 6.850% | $0.00 | 1.0 | None | Yes | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 74.520% | No | 9 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Employment Authorization | 46.78 | Yes | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101545 | XXXXX | Non QM | Yes | No | $2,951.25 | $6,304.10 | 7.117% | $1,478.09 | $1,478.09 | 6.875% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $8,054.92 | 1 | $3,614.76 | $1,050.96 | $301.23 | $87.58 | 38.102% | 38.102% | 38.102% | XXXXX | 785 | 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]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $2,951.25 | 6.170% | $0.00 | 1.1 | None | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 41.310% | 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 | 6.19 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100865 | XXXXX | Non QM | Yes | No | $8,184.24 | $4,100.28 | 7.410% | $1,784.74 | $1,784.74 | 7.250% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $3,928.03 | 1 | $9,661.92 | $1,614.60 | $805.16 | $134.55 | 49.901% | 49.901% | 49.901% | XXXXX | 742 | 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]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2025 |
[Borrower]; 1084 or income worksheet - Year Not
Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $8,184.24 | 6.170% | $0.00 | 1.8 | None | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 102.96 | No | $3,920.24 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000105211 | XXXXX | N/A | No | No | $1,330.60 | $1,330.60 | 7.000% | No | No | US Citizen | 1 | $6,279.24 | $743.04 | $523.27 | $61.92 | 0.000% | 0.000% | 0.000% | XXXXX | 809 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 3.7 | Yes | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.04 | 0.96 | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 243.4 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102974 | XXXXX | N/A | No | Yes | $0.00 | 6.843% | $1,494.51 | $1,494.51 | 6.875% | No | No | Self-Employed | US Citizen | $13,259.93 | 1 | $10,167.60 | $1,842.60 | $847.30 | $153.55 | 28.711% | 28.711% | 28.711% | XXXXX | 712 | No | No | [Borrower - |
Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Paystubs - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.230% | $0.00 | 1.6 | DU | ApproveEligible | No | No | 6.875% | 2 | 1 | 0 | 2 | 0 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 148.26 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000104776 | XXXXX | N/A | No | No | $2,900.43 | $2,900.43 | 6.999% | No | No | US Citizen | US Citizen | 1 | $10,129.44 | $2,232.96 | $844.12 | $186.08 | 0.000% | 0.000% | 0.000% | XXXXX | 717 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | 2.6 | N/A | No | 6.999% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.11 | 0.9 | XXXXX | XXXXX | 38.000% | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 16.83 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102215 | XXXXX | N/A | No | No | $43,186.00 | $23,170.85 | 6.967% | $3,880.28 | $3,880.28 | 6.625% | No | No | Not Employed | Self-Employed | US Citizen | $38,369.72 | 1 | $5,433.96 | $1,906.32 | $452.83 | $158.86 | 46.709% | 46.709% | 46.709% | XXXXX | 782 | No | No | [Coborrower(s) - |
Primary Income - P&L Statement Only]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - P&L Statement Only]; Other - 2025 [Coborrower(s) - | Primary Income - P&L Statement Only]; Other - 2025 [Coborrower(s) - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Coborrower(s) - | Primary Income - P&L Statement Only]; Third Party Verification - 2025 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $43,186.00 | 6.320% | $0.00 | 1.0 | None | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 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 | 43.37 | No | No | $72,000.00 | $0.00 | No | No | No | No | 4 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101564 | XXXXX | Non QM | Yes | No | $2,116.88 | $5,930.33 | 7.322% | $3,219.87 | $3,219.87 | 7.250% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $17,486.96 | 1 | $7,391.64 | $990.00 | $615.97 | $82.50 | 34.470% | 34.470% | 34.470% | XXXXX | 802 | No | No | Borrower Prepared | [Borrower - |
Non-Primary Income - Wages]; Paystubs - 2025 [Borrower - | Non-Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Non-Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Non-Primary Income - Wages]; W-2 - 2023 [Borrower - | Non-Primary Income - Wages]; W-2 Transcript - 2023 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025 [Borrower - | Primary Income - Sole Proprietor]; Business License - 2025 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2025 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 1040 - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $2,116.88 | 6.170% | $0.00 | 3.2 | None | No | No | 7.250% | 2 | 2 | 3 | 0 | 2 | 2 | 10.17 | No | XXXXX | XXXXX | 31.760% | No | 32 | Yes | Final | 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 | 11.9 | No | $0.00 | $10,003.26 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000098679 | XXXXX | N/A | No | No | $701.17 | $701.17 | 8.375% | No | No | US Citizen | 1 | $2,146.56 | $1,551.00 | $178.88 | $129.25 | 0.000% | 0.000% | 0.000% | XXXXX | 759 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.2 | N/A | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.19 | 0.84 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 83.11 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102765 | XXXXX | Non QM | Yes | No | $2,490.00 | $5,158.52 | 7.447% | $3,434.38 | $3,434.38 | 7.375% | No | No | Employed | Permanent Resident Alien | $8,832.73 | 1 | $12,529.56 | $1,221.12 | $1,044.13 | $101.76 | 41.115% | 41.115% | 41.115% | XXXXX | 702 | No | No | [Borrower - |
Primary Income - Wages]; Other - 2025 [Borrower - | Primary Income - Wages]; Other - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $2,490.00 | 6.230% | $0.00 | 2.2 | None | Yes | No | 7.375% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | No | 31 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | No | 35.88 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103421 | XXXXX | N/A | No | Yes | $0.00 | 6.843% | $1,813.12 | $1,813.12 | 6.875% | No | No | Employed | US Citizen | $6,411.73 | 1 | $2,462.52 | $1,768.20 | $205.21 | $147.35 | 43.379% | 43.379% | 43.379% | XXXXX | 793 | No | No | [Borrower - |
Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Tax Return Extension - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.230% | $0.00 | 1.2 | DU | ApproveEligible | Yes | No | 6.875% | 1 | 1 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | No | 36 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 83.11 | No | No | $0.00 | $0.00 | No | No | No | No | 5 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000105440 | XXXXX | N/A | No | No | $1,712.83 | $1,712.83 | 6.625% | No | No | US Citizen | 1 | $5,180.04 | $872.04 | $431.67 | $72.67 | 0.000% | 0.000% | 0.000% | XXXXX | 751 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.95 | 1.05 | XXXXX | XXXXX | 35.280% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 14.19 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000104293 | XXXXX | Non QM | Yes | No | $21,196.25 | $25,027.66 | 7.085% | $6,562.72 | $6,562.72 | 6.875% | No | No | Self-Employed | US Citizen | $17,347.11 | 1 | $18,125.04 | $3,533.04 | $1,510.42 | $294.42 | 33.933% | 33.933% | 33.933% | XXXXX | 775 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 |
Alternative Documentation (A) | 2yr P&L w/o Bank Statements | 0 | 0 | 0 | Yes | XXXXX | $21,196.25 | 6.260% | $0.00 | 1.1 | None | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 24.00 | No | XXXXX | XXXXX | 0.050% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 0.06 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000105104 | XXXXX | Non QM | Yes | No | $2,705.60 | $13,188.75 | 6.551% | $9,354.61 | $9,354.61 | 6.500% | No | No | Employed | Employed | US Citizen | US Citizen | $13,101.28 | 1 | $23,706.12 | $2,314.92 | $1,975.51 | $192.91 | 47.090% | 47.090% | 47.090% | XXXXX | 787 | No | No | [Borrower - |
Primary Income - Wages]; Other - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Coborrower(s) - | Primary Income - Wages]; Other - 2025 [Coborrower(s) - | Primary Income - Wages]; Other - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Wages]; Employer Letter - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $2,705.60 | 6.190% | $6,675.00 | 1.0 | None | Yes | No | 6.500% | 2 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | 28.400% | No | 34 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 20.06 | No | $0.00 | $4,193.57 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000104761 | XXXXX | N/A | No | No | $1,140.16 | $1,140.16 | 7.999% | No | No | US Citizen | 1 | $2,153.04 | $748.08 | $179.42 | $62.34 | 0.000% | 0.000% | 0.000% | XXXXX | 767 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.9 | N/A | No | 7.999% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.87 | 1.15 | XXXXX | 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 | 108.47 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102466 | XXXXX | Non QM | Yes | No | $1,640.00 | $7,269.42 | 6.524% | $7,173.97 | $7,173.97 | 6.500% | No | No | Employed | Self-Employed | US Citizen | US Citizen | $10,384.46 | 1 | $11,918.28 | $3,099.12 | $993.19 | $258.26 | 49.725% | 49.725% | 49.725% | XXXXX | 758 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; Other - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; Other - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; Other - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; Other - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Coborrower(s) - | Primary Income - Sole Proprietor]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 [Coborrower(s) - | Non-Primary Income - Alimony]; Account Statements - 2025 [Coborrower(s) - | Non-Primary Income - Alimony]; Divorce Decree - 2025 [Coborrower(s) - | Non-Primary Income - Alimony]; Other - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.260% | $4,500.00 | 2.6 | None | Yes | No | 6.500% | 0 | 1 | 2 | 0 | 2 | 2 | 0.00 | No | XXXXX | XXXXX | 100.000% | No | 6 | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 167.17 | Yes | No | $6,118.45 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101384 | XXXXX | Non QM | Yes | No | $19,280.00 | $19,439.82 | 6.450% | $8,330.00 | $11,575.48 | 6.375% | No | No | Employed | US Citizen | $112,634.54 | 1 | $13,068.84 | $2,570.04 | $1,089.07 | $214.17 | 15.985% | 13.564% | 15.985% | XXXXX | 767 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Restricted Stock Agreement - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; Year End Summary - 2025 [Borrower - | Primary Income - Wages]; Restricted Stock Agreement - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; Year End Summary - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Borrower - | Primary Income - Wages]; Restricted Stock Agreement - 2022 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $19,280.00 | 6.170% | $0.00 | 1.1 | None | Yes | No | 6.375% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | 240 | XXXXX | XXXXX | 100.000% | No | 22 | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 172.94 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 240 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000098988 | XXXXX | N/A | No | No | $2,338.13 | $2,338.13 | 7.250% | No | No | 0 | US Citizen | US Citizen | 1 | $6,589.32 | $993.36 | $549.11 | $82.78 | 0.000% | 0.000% | 0.000% | XXXXX | 789 | Level 3-Stated/Partially Verified | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.5 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.28 | 0.78 | 240 | XXXXX | XXXXX | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 78.45 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000095385 | XXXXX | N/A | No | No | $1,478.67 | $1,478.67 | 7.750% | No | No | US Citizen | 1 | $8,453.64 | $1,820.04 | $704.47 | $151.67 | 0.000% | 0.000% | 0.000% | XXXXX | 778 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.07 | 0.93 | XXXXX | No | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V8 Facta | FICO Risk Score Classic 04 | No | 6.08 | Yes | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000098992 | XXXXX | N/A | No | No | $2,338.13 | $2,338.13 | 7.250% | No | No | 0 | US Citizen | US Citizen | 1 | $6,589.32 | $993.36 | $549.11 | $82.78 | 0.000% | 0.000% | 0.000% | XXXXX | 789 | Level 3-Stated/Partially Verified | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.5 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.23 | 0.81 | 240 | XXXXX | XXXXX | 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 | 78.41 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000104708 | XXXXX | N/A | No | No | $1,133.20 | $1,133.20 | 6.875% | No | No | US Citizen | US Citizen | 1 | $2,874.96 | $1,771.80 | $239.58 | $147.65 | 0.000% | 0.000% | 0.000% | XXXXX | 806 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.15 | 0.87 | XXXXX | XXXXX | 66.550% | 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 | 39.69 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000104557 | XXXXX | N/A | No | No | $1,200.28 | $1,200.28 | 7.375% | No | No | US Citizen | 1 | $2,486.76 | $1,705.80 | $207.23 | $142.15 | 0.000% | 0.000% | 0.000% | XXXXX | 708 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.16 | 0.86 | 240 | XXXXX | XXXXX | 71.980% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 71.52 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102636 | XXXXX | Non QM | Yes | No | $1,640.00 | $13,582.66 | 7.294% | $12,172.18 | $13,927.31 | 7.984% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $24,560.51 | 1 | $23,958.12 | $1,319.04 | $1,996.51 | $109.92 | 0.000% | 0.000% | 0.000% | XXXXX | 766 | Yes | No | [Borrower - |
Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.200% | $0.00 | 1.5 | None | No | No | 7.984% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | XXXXX | XXXXX | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 284.5 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101435 | XXXXX | N/A | No | No | $6,619.28 | $6,619.28 | 7.125% | No | No | US Citizen | 3 | $3,485.28 | $2,735.04 | $290.44 | $227.92 | 0.000% | 0.000% | 0.000% | XXXXX | 752 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.22 | 0.82 | XXXXX | XXXXX | 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 | 169.62 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000104236 | XXXXX | N/A | No | No | $7,250.00 | $7,250.00 | 7.250% | No | No | US Citizen | 1 | $5,733.84 | $1,420.44 | $477.82 | $118.37 | 0.000% | 0.000% | 0.000% | XXXXX | 711 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.83 | 1.21 | 240 | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Trustee | No | Trustee | Yes | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 8.83 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103301 | XXXXX | N/A | No | No | $913.43 | $913.43 | 7.750% | No | No | US Citizen | 1 | $1,875.36 | $615.00 | $156.28 | $51.25 | 0.000% | 0.000% | 0.000% | XXXXX | 727 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | Yes | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.26 | 0.79 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 54.43 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103267 | XXXXX | Non QM | Yes | No | $2,720.00 | $3,836.25 | 7.928% | $9,358.05 | $12,167.53 | 9.091% | No | No | Self-Employed | US Citizen | $31,767.08 | 1 | $33,875.04 | $4,647.00 | $2,822.92 | $387.25 | 40.767% | 38.912% | 40.767% | XXXXX | 740 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $2,720.00 | 6.530% | $0.00 | None | N/A | No | 9.091% | 0 | 0 | 0 | 0 | 0 | 20.00 | No | XXXXX | XXXXX | 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 | 43.51 | No | No | $0.00 | $0.00 | No | No | No | No | 8 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103057 | XXXXX | N/A | No | No | $1,906.25 | $1,906.25 | 7.625% | No | No | US Citizen | 1 | $4,290.72 | $1,341.00 | $357.56 | $111.75 | 0.000% | 0.000% | 0.000% | XXXXX | 727 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | 240 | XXXXX | XXXXX | 15.380% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 9.78 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000099460 | XXXXX | Non QM | Yes | No | $10,397.49 | $901.80 | 7.237% | $1,964.12 | $1,964.12 | 7.250% | No | No | Self-Employed | US Citizen | $9,530.87 | 1 | $3,372.60 | $996.00 | $281.05 | $83.00 | 25.893% | 25.893% | 25.893% | XXXXX | 797 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: % | Expense Ratio Source: | #
of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: % | Expense Ratio Source: | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: % | Expense Ratio Source: | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: % | Expense Ratio Source: | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: % | Expense Ratio Source: | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $10,397.49 | 6.240% | $10,000.00 | 1.0 | None | Yes | No | 7.250% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 9.840% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 23.52 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100362 | XXXXX | Non QM | Yes | No | $3,528.28 | $5,271.39 | 6.524% | $1,696.93 | $1,696.93 | 6.375% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $8,547.91 | 1 | $5,938.44 | $2,535.00 | $494.87 | $211.25 | 27.316% | 27.316% | 27.316% | XXXXX | 805 | Yes | No | [Borrower - |
Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | No | XXXXX | $3,528.28 | 6.160% | $0.00 | 1.3 | None | Yes | No | 6.375% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | 60 | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 410.65 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000089291 | XXXXX | N/A | No | No | $3,581.25 | $3,581.25 | 7.500% | No | No | 0 | US Citizen | US Citizen | 1 | $3,060.00 | $695.04 | $255.00 | $57.92 | 0.000% | 0.000% | 0.000% | XXXXX | 765 | Level 2-Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.95 | 1.05 | 240 | XXXXX | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 6.58 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103843 | XXXXX | N/A | No | No | $1,930.78 | $3,167.20 | 6.858% | $1,447.18 | $1,447.18 | 6.750% | No | No | Not Employed | Employed | Non-Permanent Resident Alien | XXX | $8,189.09 | 1 | $4,739.16 | $969.00 | $394.93 | $80.75 | 46.122% | 46.122% | 46.122% | XXXXX | 801 | No | No | [Coborrower(s) - |
Primary Income - Wages]; Employer Letter - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2023 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,930.78 | 6.260% | $0.00 | 1.9 | None | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 55.280% | 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 | VISA | 36.58 | No | No | $0.00 | $15,199.17 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101642 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $1,590.00 | $3,172.90 | 6.480% | $1,372.51 | $1,372.51 | 6.375% | No | No | Employed | Employed | US Citizen | US Citizen | $19,660.83 | 1 | $4,199.64 | $449.40 | $349.97 | $37.45 | 24.750% | 24.750% | 24.750% | XXXXX | 762 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,590.00 | 6.170% | $0.00 | 3.4 | LP / LPA | Accept/Eligible | No | No | 6.375% | 2 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 93.950% | No | 36 | 36 | 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 | 79.16 | No | No | $0.00 | $6,219.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100251 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $428.00 | $5,062.31 | 7.156% | $3,925.81 | $3,925.81 | 6.875% | No | No | Employed | US Citizen | $14,640.77 | 1 | $4,036.44 | $3,172.92 | $336.37 | $264.41 | 39.179% | 39.179% | 39.179% | XXXXX | 805 | No | No | [Borrower - |
Primary Income - Wages]; Other - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; Transcripts (1040) - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $428.00 | 6.160% | $0.00 | 3.5 | LP / LPA | Accept/Eligible | No | No | 6.875% | 2 | 1 | 0 | 0 | 1 | 0.00 | No | Not Stated | XXXXX | XXXXX | 87.830% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 111.57 | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101115 | XXXXX | N/A | No | No | $2,780.60 | $2,780.60 | 8.000% | No | No | US Citizen | US Citizen | 1 | $9,440.64 | $4,717.44 | $786.72 | $393.12 | 0.000% | 0.000% | 0.000% | XXXXX | 705 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 8.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.73 | 1.37 | XXXXX | XXXXX | 44.030% | 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 | 10.24 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103093 | XXXXX | N/A | No | No | $1,547.45 | $1,547.45 | 7.750% | No | No | US Citizen | 1 | $5,299.68 | $1,188.96 | $441.64 | $99.08 | 0.000% | 0.000% | 0.000% | XXXXX | 790 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.1 | Yes | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.17 | 0.85 | XXXXX | XXXXX | 46.020% | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 26.63 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000104122 | XXXXX | N/A | No | No | $1,785.52 | $1,785.52 | 6.250% | No | No | US Citizen | 1 | $6,714.12 | $1,086.72 | $559.51 | $90.56 | 0.000% | 0.000% | 0.000% | XXXXX | 740 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.6 | No | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.88 | 1.14 | XXXXX | XXXXX | 35.400% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 14.69 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000105708 | XXXXX | Non QM | Yes | No | $2,375.00 | $8,064.72 | 8.385% | $4,903.79 | $5,683.92 | 8.943% | No | No | Self-Employed | US Citizen | $16,709.10 | 1 | $11,150.04 | $1,485.12 | $929.17 | $123.76 | 43.458% | 43.864% | 43.458% | XXXXX | 754 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $2,375.00 | 6.460% | $0.00 | 2.4 | None | N/A | No | 8.943% | 0 | 0 | 0 | 0 | 0 | 23.00 | No | XXXXX | XXXXX | 24.860% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 5.18 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000104975 | XXXXX | N/A | No | No | $5,776.07 | $5,776.07 | 7.750% | No | No | US Citizen | 1 | $18,575.28 | $2,535.00 | $1,547.94 | $211.25 | 0.000% | 0.000% | 0.000% | XXXXX | 744 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | Yes | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.45 | 2.2 | XXXXX | XXXXX | 0.280% | 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 | 18.53 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000105554 | XXXXX | N/A | No | No | $1,606.71 | $1,606.71 | 7.000% | No | No | US Citizen | 1 | $5,422.56 | $3,350.04 | $451.88 | $279.17 | 0.000% | 0.000% | 0.000% | XXXXX | 708 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | No | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.18 | 0.85 | XXXXX | XXXXX | 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 | 4.13 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000104693 | XXXXX | N/A | No | No | $1,490.14 | $1,490.14 | 7.750% | No | No | US Citizen | 1 | $5,493.48 | $1,174.68 | $457.79 | $97.89 | 0.000% | 0.000% | 0.000% | XXXXX | 772 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.12 | 0.89 | XXXXX | XXXXX | 18.240% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 6.68 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000104925 | XXXXX | N/A | No | Yes | $0.00 | 6.346% | $2,327.03 | $2,327.03 | 6.375% | No | No | Self-Employed | US Citizen | $6,034.63 | 4 | $6,901.08 | $1,860.00 | $575.09 | $155.00 | 49.434% | 49.434% | 49.434% | XXXXX | 753 | No | No | Borrower Prepared | [Borrower - |
Primary Income - Sole Proprietor]; Business License - 2025 [Borrower - | Primary Income - Sole Proprietor]; Other - 2025 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Borrower - | Non-Primary Income - Pension]; Paystubs - 2025 [Borrower - | Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2025 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Full Doc 1yr - AUS | 0 | 0 | 0 | No | XXXXX | 6.190% | $0.00 | DU | ApproveEligible | No | No | 6.375% | 0 | 1 | 0 | 1 | 0 | 10.37 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 14.68 | No | No | $0.00 | $0.00 | No | No | No | No | 6 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000104514 | XXXXX | N/A | No | No | $567.40 | $567.40 | 7.750% | No | No | US Citizen | 1 | $1,766.88 | $1,441.08 | $147.24 | $120.09 | 0.000% | 0.000% | 0.000% | XXXXX | 801 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.92 | 0.52 | XXXXX | XXXXX | 35.550% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 6.8 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000099574 | XXXXX | N/A | No | No | $1,232.37 | $1,232.37 | 7.500% | No | No | US Citizen | 1 | $5,063.04 | $1,524.00 | $421.92 | $127.00 | 0.000% | 0.000% | 0.000% | XXXXX | 737 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.35 | 0.74 | XXXXX | XXXXX | 14.330% | 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 | 17.82 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000104961 | XXXXX | N/A | No | Yes | $0.00 | $0.00 | 6.472% | $2,419.24 | $2,419.24 | 6.500% | No | No | Self-Employed | US Citizen | $8,206.50 | 1 | $15,617.52 | $2,353.32 | $1,301.46 | $196.11 | 7.886% | 7.886% | 7.886% | XXXXX | 812 | No | No | [Borrower - |
Primary Income - Partnership (>= 25%)]; Business License - 2025 [Borrower - | Primary Income - Partnership (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Borrower - | Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - Partnership (>= 25%)]; K-1 - 2023 [Borrower - | Non-Primary Income - K-1 (< 25%)]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - K-1 (< 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - K-1 (< 25%)]; K-1 - 2023 [Borrower - | Non-Primary Income - K-1 (< 25%)]; Other - 2021 [Borrower - | Non-Primary Income - Social Security]; Account Statements - 2025 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.190% | $15,000.00 | 2.6 | LP / LPA | Accept/Eligible | Yes | No | 6.500% | 0 | 2 | 0 | 2 | 0 | No | XXXXX | XXXXX | 78.260% | No | Yes | Preliminary | Fee Simple | Individual | Trustee | No | Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 26.79 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000105543 | XXXXX | Non QM | Yes | No | $2,425.00 | $18,411.29 | 8.014% | $19,183.72 | $24,071.67 | 8.984% | No | No | Self-Employed | US Citizen | $432,790.01 | 1 | $53,499.96 | $4,747.56 | $4,458.33 | $395.63 | 11.430% | 11.181% | 11.430% | XXXXX | 716 | No | Yes | 12 | Business | 100.000% | 40.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 40.00% | 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: 40.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 40.00% | 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 | Yes | XXXXX | $2,425.00 | 6.530% | $0.00 | None | N/A | No | 8.984% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 6.230% | No | Yes | Preliminary | Fee Simple | Individual | Trustee | No | Trustee | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 6.07 | No | No | $0.00 | $0.00 | No | No | No | No | 5 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101010 | XXXXX | Non QM | Yes | No | $2,137.20 | $3,704.40 | 5.764% | $1,172.90 | $1,172.90 | 5.625% | No | No | Employed | Not Employed | US Citizen | US Citizen | $4,137.43 | 1 | $3,974.88 | $1,440.96 | $331.24 | $120.08 | 29.073% | 29.073% | 29.073% | XXXXX | 794 | No | No | [Borrower - |
Primary Income - Projected Income]; Employer Letter - 2025 [Borrower - | Primary Income - Projected Income]; Other - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $2,137.20 | 6.170% | $0.00 | 1.0 | None | Yes | No | 5.625% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | 78.690% | 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 | 68 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000098011 | XXXXX | N/A | No | No | $6,913.38 | $6,913.38 | 7.750% | No | No | Permanent Resident Alien | 1 | $15,468.00 | $2,567.04 | $1,289.00 | $213.92 | 0.000% | 0.000% | 0.000% | XXXXX | 754 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 4.2 | Yes | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.58 | 1.71 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 9.31 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102067 | XXXXX | N/A | No | No | $1,170.00 | $1,170.00 | 6.875% | No | No | US Citizen | US Citizen | 1 | $315.60 | $1,244.04 | $26.30 | $103.67 | 0.000% | 0.000% | 0.000% | XXXXX | 777 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.92 | 1.08 | XXXXX | XXXXX | 67.670% | 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 | 72.16 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103140 | XXXXX | N/A | No | No | $908.18 | $908.18 | 6.250% | No | No | 0 | US Citizen | Permanent Resident Alien | 1 | $1,342.80 | $1,406.04 | $111.90 | $117.17 | 0.000% | 0.000% | 0.000% | XXXXX | 779 | Level 3-Stated/Partially Verified | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.58 | 0.63 | XXXXX | XXXXX | 85.420% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 90.4 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000105490 | XXXXX | Non QM | Yes | No | $8,081.00 | $12,495.19 | 8.499% | $3,611.80 | $5,136.64 | 9.974% | No | No | Employed | Permanent Resident Alien | $8,349.86 | 1 | $10,475.04 | $1,206.96 | $872.92 | $100.58 | 42.415% | 36.761% | 42.415% | XXXXX | 802 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $8,081.00 | 6.460% | $0.00 | 1.0 | None | N/A | No | 9.974% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 38.520% | No | 35 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 8.31 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101643 | XXXXX | Non QM | Yes | No | $1,640.00 | $6,610.70 | 6.403% | $6,388.43 | $6,388.43 | 6.375% | No | No | Employed | Not Employed | Employed | Employed | 0.86 | 0.55 | US Citizen | US Citizen | US Citizen | US Citizen | $50,077.48 | 1 | $3,205.56 | $4,197.00 | $267.13 | $349.75 | 46.059% | 46.059% | 46.059% | XXXXX | 794 | 747 | 797 | 760 | 794 | 792 | 774 | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | Level 5-Stated/Verified as defined | Level 5-Stated/Verified as defined | Level 3-Stated/Verified as defined | Level 3-Stated/Verified as defined | No | No | [Borrower - |
Primary Income - Wages]; D1C Income Verification Report - 2025 [Borrower - | Primary Income - Wages]; Other - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Coborrower(s) - | Primary Income - Wages]; Other - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Tax Return Extension - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.260% | $100,000.00 | 1.0 | None | Yes | No | 6.375% | 2 | 0 | 2 | 0 | 2 | 2 | 0.00 | No | XXXXX | XXXXX | 32.340% | No | 22 | 8 | 5 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 30.14 | No | No | $0.00 | $31,666.68 | No | No | No | No | 7 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102229 | XXXXX | N/A | No | No | $669.95 | $669.95 | 7.375% | No | No | US Citizen | 1 | $3,025.20 | $867.00 | $252.10 | $72.25 | 0.000% | 0.000% | 0.000% | XXXXX | 784 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.23 | 0.81 | XXXXX | 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 | 47.99 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100508 | XXXXX | N/A | No | No | $745.93 | $745.93 | 7.375% | No | No | US Citizen | 1 | $1,672.92 | $1,554.96 | $139.41 | $129.58 | 0.000% | 0.000% | 0.000% | XXXXX | 750 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.1 | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.43 | 0.7 | XXXXX | XXXXX | 73.010% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 61.07 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100670 | XXXXX | N/A | No | No | $6,316.11 | $6,316.11 | 7.125% | No | No | US Citizen | 2 | $16,115.16 | $4,735.92 | $1,342.93 | $394.66 | 0.000% | 0.000% | 0.000% | XXXXX | 749 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.76 | 1.32 | XXXXX | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 116.79 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103308 | XXXXX | Non QM | Yes | No | $6,105.00 | $6,951.94 | 6.830% | $1,213.57 | $1,213.57 | 6.500% | No | No | Employed | US Citizen | $3,261.88 | 1 | $4,410.60 | $3,243.24 | $367.55 | $270.27 | 39.824% | 39.824% | 39.824% | XXXXX | 750 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $6,105.00 | 6.230% | $0.00 | 1.0 | None | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 28.390% | No | 28 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 3.69 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000104804 | XXXXX | N/A | No | No | $1,453.81 | $1,453.81 | 7.500% | No | No | US Citizen | 1 | $4,115.04 | $837.96 | $342.92 | $69.83 | 0.000% | 0.000% | 0.000% | XXXXX | 795 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 3.0 | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.1 | 0.91 | XXXXX | XXXXX | 30.950% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 3.05 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101755 | XXXXX | N/A | No | No | $699.43 | $699.43 | 8.250% | No | No | US Citizen | US Citizen | 1 | $2,318.16 | $1,344.00 | $193.18 | $112.00 | 0.000% | 0.000% | 0.000% | XXXXX | 749 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.8 | N/A | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 86.81 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000099046 | XXXXX | N/A | No | Yes | $0.00 | 6.459% | $3,160.34 | $3,160.34 | 6.500% | No | No | Not Employed | Self-Employed | US Citizen | US Citizen | $24,964.57 | 1 | $15,780.96 | $6,884.64 | $1,315.08 | $573.72 | 18.007% | 18.007% | 18.007% | XXXXX | 776 | No | No | [Coborrower(s) - |
Primary Income - S-Corp (>= 25%)]; Other - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2023 [Coborrower(s) - | Non-Primary Income - Social Security]; Account Statements - 2025 [Coborrower(s) - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Tax Return Extension - 2023 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Tax Return Extension - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.170% | $0.00 | 4.2 | DU | ApproveEligible | N/A | No | 6.500% | 0 | 2 | 2 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Trustee | Individual | Trustee | No | Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 151.03 | No | No | $30,447.15 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103189 | XXXXX | N/A | No | No | $884.74 | $884.74 | 7.625% | No | No | US Citizen | 1 | $939.60 | $1,173.48 | $78.30 | $97.79 | 0.000% | 0.000% | 0.000% | XXXXX | 762 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 3.5 | No | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.53 | 0.65 | XXXXX | XXXXX | 16.980% | 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 | 73.47 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101900 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $6,459.96 | $9,377.23 | 7.337% | $2,837.93 | $2,837.93 | 6.875% | No | No | Employed | US Citizen | $8,404.17 | 1 | $4,916.52 | $3,176.04 | $409.71 | $264.67 | 44.511% | 44.511% | 44.511% | XXXXX | 797 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Tax Return Extension - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $6,459.96 | 6.220% | $0.00 | DU | Yes | ApproveEligible | N/A | No | 6.875% | 1 | 1 | 0 | 1 | 1 | 0.00 | No | Not Stated | XXXXX | XXXXX | 50.070% | No | 25 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 50.75 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000106326 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $0.00 | $3,624.24 | 6.645% | $4,652.67 | $4,652.67 | 6.625% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $21,440.27 | 1 | $7,903.80 | $3,030.96 | $658.65 | $252.58 | 30.988% | 30.988% | 30.988% | XXXXX | 799 | No | No | [Borrower - |
Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.230% | $0.00 | LP / LPA | Yes | Accept/Eligible | N/A | No | 6.625% | 1 | 0 | 1 | 0 | 2 | 1 | No | Not Stated | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 23.16 | Yes | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000105207 | XXXXX | Non QM | Yes | No | $25,316.11 | $5,631.41 | 5.812% | $3,499.98 | $3,499.98 | 5.750% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $9,190.97 | 1 | $11,994.96 | $1,314.96 | $999.58 | $109.58 | 0.000% | 0.000% | 0.000% | XXXXX | 801 | Yes | No | [Borrower - |
Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | No | XXXXX | $25,316.11 | 6.190% | $36,000.00 | 1.0 | None | N/A | No | 5.750% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Trustee | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 448.46 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000105108 | XXXXX | N/A | No | No | $2,844.31 | $2,844.31 | 6.500% | No | No | US Citizen | 2 | $8,394.00 | $2,184.00 | $699.50 | $182.00 | 0.000% | 0.000% | 0.000% | XXXXX | 775 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.07 | 0.93 | XXXXX | 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 | 178.12 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102017 | XXXXX | N/A | No | No | $1,483.02 | $1,483.02 | 7.125% | No | No | US Citizen | 1 | $1,423.68 | $1,046.04 | $118.64 | $87.17 | 0.000% | 0.000% | 0.000% | XXXXX | 775 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.4 | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.04 | 0.96 | XXXXX | XXXXX | 53.130% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 44.22 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000106147 | XXXXX | N/A | No | No | $3,555.38 | $3,555.38 | 6.500% | No | No | US Citizen | 2 | $8,914.68 | $2,053.92 | $742.89 | $171.16 | 0.000% | 0.000% | 0.000% | XXXXX | 803 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.14 | 0.88 | XXXXX | XXXXX | 40.170% | No | Yes | Preliminary | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 26.06 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000105240 | XXXXX | N/A | No | No | $2,868.59 | $2,868.59 | 6.625% | No | No | US Citizen | 1 | $15,748.20 | $1,773.00 | $1,312.35 | $147.75 | 0.000% | 0.000% | 0.000% | XXXXX | 771 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.84 | 1.19 | XXXXX | XXXXX | 29.660% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 13.19 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000106083 | XXXXX | Non QM | Yes | No | $16,453.13 | $25,419.68 | 6.442% | $16,423.38 | $16,423.38 | 6.375% | No | No | Employed | Not Employed | US Citizen | US Citizen | $36,866.73 | 3 | $9,153.60 | $4,932.12 | $762.80 | $411.01 | 46.830% | 46.830% | 46.830% | XXXXX | 762 | No | No | [Borrower - |
Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | Yes | XXXXX | $16,453.13 | 6.220% | $0.00 | None | N/A | No | 6.375% | 2 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 24.500% | No | 35 | 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 | 20.66 | No | No | $0.00 | $0.00 | No | No | No | No | 6 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000105422 | XXXXX | Non QM | Yes | No | $1,490.00 | $3,331.74 | 6.903% | $3,599.97 | $3,599.97 | 6.875% | No | No | Employed | Employed | US Citizen | US Citizen | $16,235.47 | 1 | $3,803.88 | $3,441.96 | $316.99 | $286.83 | 39.432% | 39.432% | 39.432% | XXXXX | 803 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; Plaid Payroll Report - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,490.00 | 6.220% | $0.00 | 1.0 | None | No | No | 6.875% | 2 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | 100.000% | No | 34 | 34 | 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 | 395 | No | No | $0.00 | $9,360.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101649 | XXXXX | N/A | No | No | $1,910.09 | $1,910.09 | 7.250% | No | No | US Citizen | 1 | $4,274.52 | $2,049.00 | $356.21 | $170.75 | 0.000% | 0.000% | 0.000% | XXXXX | 796 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 5.0 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | XXXXX | XXXXX | 79.890% | 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 | 67.89 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101911 | XXXXX | N/A | No | No | $1,212.69 | $1,212.69 | 7.125% | No | No | US Citizen | 1 | $5,920.44 | $357.60 | $493.37 | $29.80 | 0.000% | 0.000% | 0.000% | XXXXX | 693 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.17 | 0.86 | XXXXX | XXXXX | 44.870% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 8.42 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103832 | XXXXX | N/A | No | No | $1,921.80 | $1,921.80 | 7.375% | No | No | US Citizen | 2 | $7,322.04 | $1,436.04 | $610.17 | $119.67 | 0.000% | 0.000% | 0.000% | XXXXX | 813 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.43 | 0.7 | XXXXX | XXXXX | 40.010% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 16.85 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000107330 | XXXXX | N/A | No | No | $1,642.32 | $1,642.32 | 6.875% | No | No | US Citizen | 1 | $6,857.28 | $4,000.56 | $571.44 | $333.38 | 0.000% | 0.000% | 0.000% | XXXXX | 761 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 3.3 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.3 | 0.77 | XXXXX | XXXXX | 65.680% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 62.07 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000104893 | XXXXX | N/A | No | No | $4,212.10 | $4,212.10 | 6.990% | No | No | US Citizen | US Citizen | 1 | $11,706.84 | $2,396.88 | $975.57 | $199.74 | 0.000% | 0.000% | 0.000% | XXXXX | 769 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.0 | N/A | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.81 | 1.23 | XXXXX | XXXXX | 29.310% | 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 | 31.52 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103375 | XXXXX | Non QM | Yes | No | $2,379.00 | $4,166.30 | 6.961% | $2,181.00 | $2,181.00 | 6.875% | No | No | Employed | Employed | US Citizen | US Citizen | $18,967.31 | 1 | $2,277.96 | $3,352.56 | $189.83 | $279.38 | 26.574% | 26.574% | 26.574% | XXXXX | 808 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $2,379.00 | 6.230% | $5,000.00 | 1.0 | None | Yes | No | 6.875% | 2 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | 45.830% | No | 25 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 36.45 | Yes | No | $0.00 | $17,385.94 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000105308 | XXXXX | Higher Priced QM (APOR) | Yes | Yes | $5,495.45 | $6,212.66 | 8.090% | $1,718.24 | $1,718.24 | 7.625% | No | No | Employed | US Citizen | $2,444.46 | 1 | $1,049.88 | $2,569.68 | $87.49 | $214.14 | 46.666% | 46.666% | 46.666% | XXXXX | 671 | No | No | [Borrower - |
Primary Income - Wages]; Other - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $5,495.45 | 6.220% | $5,600.00 | 1.0 | DU | ApproveEligible | Yes | No | 7.625% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 37.940% | No | 36 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 28.89 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000096228 | XXXXX | Non QM | Yes | No | $1,740.00 | $5,757.54 | 7.505% | $2,486.43 | $2,486.43 | 7.375% | No | No | Employed | US Citizen | $4,474.95 | 1 | $7,397.40 | $498.00 | $616.45 | $41.50 | 52.421% | 52.421% | 52.421% | XXXXX | 801 | 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 - | Non-Primary Income - Sole Proprietor]; Other - 2025 [Borrower - | Non-Primary Income - Sole Proprietor]; Other - 2025 [Borrower - | Non-Primary Income - Sole Proprietor]; P&L Statement - 2025 [Borrower - | Non-Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | Yes | XXXXX | $1,740.00 | 6.310% | $2,400.00 | 1.0 | None | Yes | No | 7.375% | 2 | 2 | 0 | 3 | 2 | 0.00 | No | XXXXX | XXXXX | 45.360% | No | 35 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 27.68 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000104607 | XXXXX | N/A | No | No | $875.43 | $875.43 | 7.375% | No | No | US Citizen | 1 | $3,821.64 | $840.00 | $318.47 | $70.00 | 0.000% | 0.000% | 0.000% | XXXXX | 749 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 3.5 | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.5 | 0.67 | XXXXX | XXXXX | 62.970% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 241.7 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000105261 | XXXXX | Non QM | Yes | No | $1,640.00 | $4,496.59 | 6.917% | $3,941.57 | $3,941.57 | 6.875% | No | No | Employed | US Citizen | $10,733.72 | 1 | $6,617.16 | $1,039.44 | $551.43 | $86.62 | 41.453% | 41.453% | 41.453% | XXXXX | 771 | No | No | [Borrower - |
Primary Income - Wages]; Employer Letter - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.190% | $119,071.75 | 2.6 | None | Yes | No | 6.875% | 2 | 2 | 0 | 2 | 2 | 0.00 | No | XXXXX | XXXXX | 22.000% | No | 28 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 17.63 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101002 | XXXXX | N/A | No | No | $70,240.00 | $7,956.31 | 6.526% | $8,671.97 | $8,671.97 | 6.500% | No | No | Not Employed | Employed | Employed | 16.3 | Permanent Resident Alien | US Citizen | $17,891.04 | 4 | $15,697.80 | $5,454.00 | $1,308.15 | $454.50 | 46.454% | 46.454% | 46.454% | XXXXX | 812 | Level 4-Stated/Verified as defined | Level 5-Stated/Verified as defined | Level 3-Stated/Verified as defined | No | No | [Coborrower(s) - |
Primary Income - Wages]; Other - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2023 [Coborrower(s) - | Primary Income - Wages]; Other - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $70,240.00 | 6.170% | $0.00 | None | N/A | No | 6.500% | 0 | 2 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 29.790% | No | 36 | 36 | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 12.89 | No | No | $0.00 | $33,412.23 | No | No | No | No | 5 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102854 | XXXXX | N/A | No | No | $2,795.94 | $4,313.28 | 7.386% | $1,752.34 | $1,752.34 | 7.250% | No | No | Not Employed | Self-Employed | US Citizen | $560,082.71 | 1 | $4,599.24 | $920.04 | $383.27 | $76.67 | 6.396% | 6.396% | 6.396% | XXXXX | 762 | 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 - 2025 [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 - 2025 [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 - 2025 [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 - 2025 [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 - 2025 [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 - 2025 [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 - 2025 [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 - 2025 [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 - 2025 [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 - 2025 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $2,795.94 | 6.190% | $5,500.00 | 1.0 | None | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 39.220% | 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 | 50.72 | No | No | $598,353.04 | $0.00 | No | No | No | No | 9 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000105344 | XXXXX | Non QM | Yes | No | $1,740.00 | $11,439.21 | 6.387% | $16,610.54 | $16,610.54 | 6.375% | No | No | Employed | Employed | US Citizen | US Citizen | $22,694.70 | 1 | $32,883.96 | $4,523.04 | $2,740.33 | $376.92 | 48.455% | 48.455% | 48.455% | XXXXX | 780 | No | No | [Borrower - |
Primary Income - Wages]; Employer Letter - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; Other - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,740.00 | 6.220% | $0.00 | 1.0 | None | No | No | 6.375% | 0 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | 51.420% | No | 1 | 34 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 42.48 | No | No | $0.00 | $19,028.50 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000105508 | XXXXX | N/A | No | No | $16,890.00 | $12,616.71 | 6.926% | $9,853.93 | $9,853.93 | 6.875% | No | No | Employed | Self-Employed | US Citizen | US Citizen | $22,150.20 | 1 | $24,999.96 | $2,238.00 | $2,083.33 | $186.50 | 49.411% | 49.411% | 49.411% | XXXXX | 796 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Non-Primary Income - K-1 (< 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - K-1 (< 25%)]; K-1 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2025 [Borrower - | Non-Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Non-Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Non-Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - Wages]; W-2 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; P&L Statement - 2025 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; K-1 - 2023 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; Other - 2025 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; Other - 2025 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; Paystubs - 2025 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2023 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2025 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $16,890.00 | 6.220% | $0.00 | 1.0 | None | Yes | No | 6.875% | 2 | 2 | 2 | 0 | 2 | 2 | 0.00 | No | XXXXX | XXXXX | 77.600% | No | 34 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 80.96 | No | No | $31,985.47 | $0.00 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102453 | XXXXX | N/A | No | No | $1,964.13 | $1,964.13 | 7.625% | No | No | 0 | US Citizen | US Citizen | 1 | $6,966.00 | $2,406.84 | $580.50 | $200.57 | 0.000% | 0.000% | 0.000% | XXXXX | 709 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.8 | 1.25 | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 288.47 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000104429 | XXXXX | Non QM | Yes | No | $5,523.75 | $6,848.70 | 7.479% | $2,558.97 | $2,558.97 | 7.125% | No | No | Self-Employed | US Citizen | $7,519.38 | 1 | $5,226.12 | $2,151.00 | $435.51 | $179.25 | 40.587% | 40.587% | 40.587% | XXXXX | 705 | No | Yes | 12 | Business | 84.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $5,523.75 | 5.690% | $2,000.00 | 1.0 | None | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 42.370% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 21.24 | No | $0.00 | $0.00 | No | No | No | No | 1 | 180 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100081 | XXXXX | N/A | No | No | $1,414.81 | $1,414.81 | 7.125% | No | No | US Citizen | 1 | $1,896.96 | $723.96 | $158.08 | $60.33 | 0.000% | 0.000% | 0.000% | XXXXX | 813 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.1 | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.03 | 0.97 | XXXXX | XXXXX | 42.160% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO 9 | 28.15 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101170 | XXXXX | N/A | No | No | $1,600.78 | $1,600.78 | 6.625% | No | No | US Citizen | 1 | $3,410.04 | $9,394.32 | $284.17 | $782.86 | 0.000% | 0.000% | 0.000% | XXXXX | 687 | No | No | DSCR | 7 | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.21 | 0.83 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 83.36 | Yes | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102110 | XXXXX | N/A | No | Yes | $0.00 | 6.721% | $3,755.38 | $3,755.38 | 6.750% | No | No | Employed | US Citizen | $16,432.96 | 1 | $3,170.04 | $2,208.96 | $264.17 | $184.08 | 46.593% | 46.593% | 46.593% | XXXXX | 805 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.260% | $0.00 | 3.0 | LP / LPA | Accept/Eligible | Yes | No | 6.750% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | No | 10 | Yes | Commitment | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 14.65 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102501 | XXXXX | N/A | No | No | $3,725.34 | $3,725.34 | 7.750% | No | No | US Citizen | 1 | $7,902.60 | $4,282.80 | $658.55 | $356.90 | 0.000% | 0.000% | 0.000% | XXXXX | 781 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.2 | Yes | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.83 | 1.2 | XXXXX | XXXXX | 47.570% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 22.86 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000099579 | XXXXX | N/A | No | No | $1,534.90 | $1,534.90 | 7.250% | No | No | US Citizen | 2 | $2,355.84 | $1,544.04 | $196.32 | $128.67 | 0.000% | 0.000% | 0.000% | XXXXX | 715 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.51 | 0.66 | XXXXX | XXXXX | 51.680% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 8.28 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000104279 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $1,590.42 | $2,776.05 | 6.031% | $3,059.45 | $3,059.45 | 6.000% | No | No | Employed | US Citizen | $15,416.87 | 1 | $9,237.12 | $1,853.04 | $769.76 | $154.42 | 34.978% | 34.978% | 34.978% | XXXXX | 809 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,590.42 | 6.260% | $0.00 | 1.3 | DU | ApproveEligible | No | No | 6.000% | 1 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 84.89 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102859 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $0.00 | $1,408.33 | 7.022% | $1,995.91 | $1,995.91 | 7.000% | No | No | Employed | US Citizen | $5,586.70 | 1 | $7,882.44 | $1,484.64 | $656.87 | $123.72 | 49.436% | 49.436% | 49.436% | XXXXX | 799 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 [Borrower - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.230% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 7.000% | 2 | 1 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 9.34 | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103465 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $93.14 | $1,460.88 | 6.400% | $1,806.15 | $1,806.15 | 6.375% | No | No | Employed | US Citizen | $4,753.08 | 1 | $5,358.00 | $3,945.96 | $446.50 | $328.83 | 49.704% | 49.704% | 49.704% | XXXXX | 756 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $93.14 | 6.230% | $0.00 | 2.6 | DU | ApproveEligible | No | No | 6.375% | 1 | 1 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | No | 35 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 124.32 | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101259 | XXXXX | N/A | No | Yes | $0.00 | 6.843% | $689.78 | $689.78 | 6.875% | No | No | Employed | US Citizen | $4,982.67 | 1 | $731.04 | $1,689.96 | $60.92 | $140.83 | 32.146% | 32.146% | 32.146% | XXXXX | 806 | No | No | [Borrower - |
Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.170% | $0.00 | 1.0 | LP / LPA | Accept/Eligible | No | No | 6.875% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | No | 34 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 173.03 | No | No | $0.00 | $0.00 | No | No | No | No | 7 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000098580 | XXXXX | Non QM | Yes | No | $6,176.25 | $9,511.70 | 7.289% | $3,334.91 | $3,334.91 | 7.125% | No | No | Self-Employed | US Citizen | $17,763.93 | 1 | $9,489.84 | $3,414.00 | $790.82 | $284.50 | 32.972% | 32.972% | 32.972% | XXXXX | 796 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $6,176.25 | 6.290% | $152,000.00 | 1.6 | None | Yes | No | 7.125% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 5.150% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 19.14 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000105815 | XXXXX | N/A | No | No | $1,874.57 | $1,874.57 | 7.125% | No | No | US Citizen | 1 | $5,760.00 | $926.04 | $480.00 | $77.17 | 0.000% | 0.000% | 0.000% | XXXXX | 727 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.04 | 0.97 | XXXXX | XXXXX | 32.610% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 22.06 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103604 | XXXXX | N/A | No | Yes | $0.00 | 6.476% | $1,422.15 | $1,422.15 | 6.500% | No | No | Employed | Employed | US Citizen | US Citizen | $8,757.56 | 1 | $2,515.44 | $1,358.04 | $209.62 | $113.17 | 35.524% | 35.524% | 35.524% | XXXXX | 801 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.230% | $0.00 | 1.0 | LP / LPA | Accept/Eligible | No | No | 6.500% | 1 | 1 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | 58.510% | No | 34 | 34 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 | 9.99 | No | $0.00 | $6,201.15 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000104422 | XXXXX | Non QM | Yes | No | $1,915.00 | $8,580.50 | 6.663% | $8,528.12 | $8,528.12 | 6.625% | No | No | Non-Employment Income | US Citizen | $27,006.08 | 1 | $20,810.52 | $2,264.04 | $1,734.21 | $188.67 | 34.604% | 34.604% | 34.604% | XXXXX | 803 | Yes | No | [Borrower - |
Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | No | XXXXX | $1,915.00 | 6.190% | $0.00 | 1.0 | None | Yes | No | 6.625% | 0 | 1 | 0 | 3 | 0 | 0.00 | No | Other | XXXXX | XXXXX | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 320.16 | Yes | No | $0.00 | $0.00 | No | No | No | No | 5 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000105990 | XXXXX | N/A | No | No | $3,268.93 | $3,268.93 | 6.750% | No | No | US Citizen | 1 | $16,991.28 | $2,412.00 | $1,415.94 | $201.00 | 0.000% | 0.000% | 0.000% | XXXXX | 810 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.15 | 0.87 | XXXXX | XXXXX | 41.020% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 5.85 | Yes | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101231 | XXXXX | N/A | No | No | $1,471.52 | $1,471.52 | 6.875% | No | No | US Citizen | Permanent Resident Alien | 1 | $2,071.92 | $633.00 | $172.66 | $52.75 | 0.000% | 0.000% | 0.000% | XXXXX | 714 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.3 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.92 | 1.09 | XXXXX | XXXXX | 51.240% | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 25.61 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000082525 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $1,050.00 | $2,750.70 | 6.387% | $3,244.12 | $3,244.12 | 6.375% | No | No | Self-Employed | US Citizen | $2,065.03 | 1 | $9,570.36 | $1,457.76 | $797.53 | $121.48 | 47.365% | 47.365% | 47.365% | XXXXX | 735 | No | No | [Borrower - |
Primary Income - S-Corp (>= 25%)]; Other - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,050.00 | 6.170% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.375% | 0 | 1 | 0 | 2 | 0 | No | Not Stated | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 9.19 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102010 | XXXXX | N/A | No | No | $1,330.60 | $1,330.60 | 7.000% | No | No | US Citizen | US Citizen | 1 | $5,964.24 | $2,425.32 | $497.02 | $202.11 | 0.000% | 0.000% | 0.000% | XXXXX | 686 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.5 | Yes | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.02 | 0.98 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 39.41 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102578 | XXXXX | Non QM | Yes | No | $1,995.00 | $6,646.53 | 6.966% | $3,310.92 | $3,310.92 | 6.875% | No | No | Self-Employed | US Citizen | $13,041.82 | 1 | $12,324.12 | $1,205.04 | $1,027.01 | $100.42 | 29.409% | 29.409% | 29.409% | XXXXX | 751 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2019 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $1,995.00 | 6.260% | $1,270.64 | 1.5 | None | Yes | No | 6.875% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 24.430% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | Yes | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 6.13 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101428 | XXXXX | N/A | No | Yes | $0.00 | 5.980% | $2,488.13 | $2,488.13 | 6.000% | No | No | Employed | Not Employed | US Citizen | US Citizen | $10,448.49 | 1 | $5,706.12 | $1,055.04 | $475.51 | $87.92 | 48.397% | 48.397% | 48.397% | XXXXX | 808 | 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]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Tax Return Extension - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Tax Return Extension - 2023 [Coborrower]; 4506-C - 2022 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.190% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.000% | 0 | 0 | 2 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 67.700% | No | 22 | 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 | 37.2 | Yes | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000104990 | XXXXX | N/A | No | No | $2,460.95 | $2,460.95 | 7.250% | No | No | US Citizen | 1 | $8,325.00 | $701.88 | $693.75 | $58.49 | 0.000% | 0.000% | 0.000% | XXXXX | 758 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.77 | 1.3 | XXXXX | XXXXX | 86.980% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 86.23 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102634 | XXXXX | N/A | No | No | $749.76 | $749.76 | 7.427% | No | No | US Citizen | 1 | $1,027.80 | $3,422.88 | $85.65 | $285.24 | 0.000% | 0.000% | 0.000% | XXXXX | 739 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.4 | No | No | 7.427% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.98 | 0.51 | XXXXX | 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 | 90.38 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000099615 | XXXXX | N/A | No | No | $2,225.42 | $2,225.42 | 7.000% | No | No | 0 | US Citizen | US Citizen | 1 | $4,553.04 | $3,510.96 | $379.42 | $292.58 | 0.000% | 0.000% | 0.000% | XXXXX | 788 | Level 2-Stated/Not Verified | No | No | DSCR | 1 | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.12 | 0.47 | 240 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Beacon 5.0 | FICO Risk Score Classic 04 | No | 124.62 | Yes | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103242 | XXXXX | N/A | No | No | $1,509.13 | $1,509.13 | 7.125% | No | No | US Citizen | 1 | $5,568.60 | $1,638.96 | $464.05 | $136.58 | 0.000% | 0.000% | 0.000% | XXXXX | 802 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.02 | 0.98 | XXXXX | XXXXX | 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 | 218.03 | Yes | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102363 | XXXXX | N/A | No | Yes | $0.00 | 6.723% | $2,497.10 | $2,497.10 | 6.750% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $9,410.36 | 2 | $7,748.52 | $3,392.04 | $645.71 | $282.67 | 49.920% | 49.920% | 49.920% | XXXXX | 766 | No | No | [Borrower - |
Primary Income - Sole Proprietor]; CPA Letter - 2025 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.260% | $0.00 | LP / LPA | Accept/Eligible | No | No | 6.750% | 0 | 2 | 1 | 0 | 2 | 1 | No | XXXXX | XXXXX | 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 | 12.83 | No | No | $0.00 | $4,333.33 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000097651 | XXXXX | N/A | No | Yes | $0.00 | $0.00 | 6.602% | $2,599.66 | $2,599.66 | 6.625% | No | No | Employed | US Citizen | $10,709.36 | 2 | $6,120.00 | $1,530.96 | $510.00 | $127.58 | 42.438% | 42.438% | 42.438% | XXXXX | 757 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.310% | $10,000.00 | DU | ApproveEligible | N/A | No | 6.625% | 1 | 1 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 57.440% | No | 33 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 96.42 | No | No | $0.00 | $0.00 | No | No | No | No | 9 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000104836 | XXXXX | N/A | No | No | $1,300.57 | $1,300.57 | 7.625% | No | No | US Citizen | 1 | $3,671.04 | $423.24 | $305.92 | $35.27 | 0.000% | 0.000% | 0.000% | XXXXX | 816 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.4 | Yes | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.9 | 1.11 | XXXXX | XXXXX | 39.310% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 10.88 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000104093 | XXXXX | N/A | No | No | $591.04 | $591.04 | 7.750% | No | No | Permanent Resident Alien | 1 | $1,492.56 | $801.96 | $124.38 | $66.83 | 0.000% | 0.000% | 0.000% | XXXXX | 728 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.4 | No | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.41 | 0.71 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 85.37 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000104872 | XXXXX | N/A | No | No | $4,365.93 | $4,365.93 | 7.250% | No | No | US Citizen | 1 | $7,203.24 | $1,140.36 | $600.27 | $95.03 | 0.000% | 0.000% | 0.000% | XXXXX | 739 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.9 | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.89 | 1.13 | XXXXX | XXXXX | 74.930% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 75.33 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000099232 | XXXXX | N/A | No | No | $2,102.63 | $2,102.63 | 6.750% | No | No | 0 | US Citizen | US Citizen | 1 | $4,888.44 | $2,873.04 | $407.37 | $239.42 | 0.000% | 0.000% | 0.000% | XXXXX | 788 | Level 2-Stated/Not Verified | No | No | DSCR | 1 | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.12 | 0.47 | 240 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Beacon 5.0 | FICO Risk Score Classic 04 | No | 33.08 | Yes | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000104726 | XXXXX | Non QM | Yes | No | $2,565.00 | $2,214.37 | 6.520% | $3,178.04 | $3,178.04 | 6.500% | No | No | Employed | US Citizen | $5,830.40 | 1 | $10,475.04 | $1,123.68 | $872.92 | $93.64 | 41.696% | 41.696% | 41.696% | XXXXX | 810 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $2,565.00 | 6.190% | $8,000.00 | 1.0 | None | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 45.100% | No | 35 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 9.77 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000104629 | XXXXX | N/A | No | No | $1,922.53 | $1,922.53 | 6.999% | No | No | 0 | US Citizen | US Citizen | 1 | $10,725.48 | $1,023.96 | $893.79 | $85.33 | 0.000% | 0.000% | 0.000% | XXXXX | 779 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.999% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.76 | 1.32 | XXXXX | XXXXX | 4.310% | 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 | 203.9 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101862 | XXXXX | N/A | No | No | $1,809.22 | $1,809.22 | 7.500% | No | No | US Citizen | 2 | $8,742.84 | $2,199.00 | $728.57 | $183.25 | 0.000% | 0.000% | 0.000% | XXXXX | 730 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.07 | 0.93 | XXXXX | XXXXX | 81.070% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 64.02 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102520 | XXXXX | Non QM | Yes | No | $9,087.50 | $11,422.90 | 7.725% | $3,352.41 | $3,352.41 | 7.499% | No | No | Self-Employed | US Citizen | $31,502.68 | 1 | $6,453.24 | $2,624.52 | $537.77 | $218.71 | 19.447% | 19.447% | 19.447% | XXXXX | 668 | No | Yes | 36 | Business | 100.000% | 100.000% | [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]; 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 - | 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]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $9,087.50 | 6.220% | $0.00 | 1.0 | None | N/A | No | 7.499% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 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 | 8.03 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103333 | XXXXX | N/A | No | No | $1,266.59 | $1,266.59 | 7.125% | No | No | US Citizen | 1 | $1,951.80 | $834.00 | $162.65 | $69.50 | 0.000% | 0.000% | 0.000% | XXXXX | 790 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 4.4 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | XXXXX | XXXXX | 0.800% | 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 | 26.81 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101901 | XXXXX | N/A | No | No | $4,074.05 | $1,214.52 | 7.251% | $3,007.03 | $3,007.03 | 7.250% | No | No | Employed | Employed | US Citizen | US Citizen | $12,129.08 | 1 | $2,847.96 | $1,224.00 | $237.33 | $102.00 | 30.953% | 30.953% | 30.953% | XXXXX | 808 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $4,074.05 | 6.220% | $33,950.00 | 1.0 | None | Yes | No | 7.250% | 2 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 165.96 | No | No | $0.00 | $3,552.47 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000107648 | XXXXX | N/A | No | No | $900.09 | $900.09 | 7.125% | No | No | US Citizen | 1 | $1,425.84 | $707.04 | $118.82 | $58.92 | 0.000% | 0.000% | 0.000% | XXXXX | 809 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.1 | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.33 | 0.75 | XXXXX | XXXXX | 15.870% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 33.18 | Yes | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000104057 | XXXXX | Higher Priced QM (APOR) | Yes | Yes | $1,790.00 | $2,513.09 | 7.952% | $1,000.11 | $1,000.11 | 7.625% | No | No | Employed | US Citizen | $8,010.82 | 1 | $295.68 | $3,063.48 | $24.64 | $255.29 | 37.981% | 37.981% | 37.981% | XXXXX | 782 | No | No | [Borrower - |
Primary Income - Wages]; Employer Letter - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,790.00 | 6.260% | $0.00 | 1.0 | LP / LPA | Accept/Eligible | Yes | No | 7.625% | 0 | 1 | 0 | 2 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 40.040% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 31.19 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103246 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $2,675.00 | $4,519.61 | 7.017% | $694.74 | $694.74 | 6.625% | No | No | Non-Employment Income | Employed | US Citizen | US Citizen | $7,429.36 | 1 | $2,055.72 | $0.00 | $171.31 | $0.00 | 38.759% | 38.759% | 38.759% | XXXXX | 746 | No | No | [Borrower - |
Primary Income - Pension]; 1099-R - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | XXXXX | $2,675.00 | 6.230% | $1,000.00 | 1.1 | DU | ApproveEligible | No | No | 6.625% | 0 | 1 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 39.840% | 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 | 8.6 | No | No | $0.00 | $7,803.51 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102496 | XXXXX | N/A | No | No | $1,927.21 | $1,927.21 | 7.500% | No | No | US Citizen | 1 | $2,339.28 | $1,036.80 | $194.94 | $86.40 | 0.000% | 0.000% | 0.000% | XXXXX | 694 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.02 | 0.98 | XXXXX | XXXXX | 1.820% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 21.45 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000104257 | XXXXX | N/A | No | No | $3,907.58 | $3,907.58 | 7.375% | No | No | US Citizen | 1 | $11,325.00 | $875.04 | $943.75 | $72.92 | 0.000% | 0.000% | 0.000% | XXXXX | 780 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 3.9 | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.64 | 1.55 | XXXXX | XXXXX | 35.120% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 6.88 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000105790 | XXXXX | N/A | No | Yes | $0.00 | 6.851% | $2,660.56 | $2,660.56 | 6.875% | No | No | Non-Employment Income | Employed | US Citizen | US Citizen | $36,227.70 | 2 | $6,750.00 | $1,422.96 | $562.50 | $118.58 | 19.799% | 19.799% | 19.799% | XXXXX | 772 | No | No | [Borrower - |
Primary Income - Pension]; Account Statements - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | No | XXXXX | 6.190% | $0.00 | DU | ApproveEligible | No | No | 6.875% | 0 | 1 | 1 | 0 | 3 | 1 | 0.00 | No | XXXXX | XXXXX | 57.550% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 49.69 | No | No | $0.00 | $30,964.87 | No | No | No | No | 9 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000097348 | XXXXX | N/A | No | Yes | $0.00 | 6.719% | $1,400.97 | $1,400.97 | 6.750% | No | No | Employed | Employed | US Citizen | US Citizen | $8,560.95 | 2 | $1,122.00 | $1,695.00 | $93.50 | $141.25 | 34.559% | 34.559% | 34.559% | XXXXX | 655 | No | No | [Borrower - |
Primary Income - Wages]; Employer Letter - 2025 [Borrower - | Primary Income - Wages]; Other - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.310% | $0.00 | LP / LPA | Accept/Eligible | No | No | 6.750% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | No | 34 | 7 | 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 | 6.11 | No | No | $0.00 | $3,667.73 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100814 | XXXXX | N/A | No | No | $732.39 | $732.39 | 8.500% | No | No | US Citizen | 1 | $196.44 | $924.96 | $16.37 | $77.08 | 0.000% | 0.000% | 0.000% | XXXXX | 746 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 3.7 | No | No | 8.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.45 | 0.69 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 108.5 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102302 | XXXXX | N/A | No | No | $2,910.70 | $2,910.70 | 7.000% | No | No | US Citizen | US Citizen | 1 | $11,880.00 | $1,986.00 | $990.00 | $165.50 | 0.000% | 0.000% | 0.000% | XXXXX | 775 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.35 | 0.74 | XXXXX | XXXXX | 55.690% | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 4.16 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000092502 | XXXXX | N/A | No | No | $958.31 | $958.31 | 7.375% | No | No | US Citizen | 1 | $1,820.04 | $1,109.64 | $151.67 | $92.47 | 0.000% | 0.000% | 0.000% | XXXXX | 752 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 3.2 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.25 | 0.8 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 110.65 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000092507 | XXXXX | N/A | No | No | $828.81 | $828.81 | 7.375% | No | No | US Citizen | 1 | $1,383.24 | $1,141.08 | $115.27 | $95.09 | 0.000% | 0.000% | 0.000% | XXXXX | 752 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 3.3 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.25 | 0.8 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 110.34 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000104722 | XXXXX | Non QM | Yes | No | $2,565.00 | $922.57 | 6.635% | $2,061.80 | $2,061.80 | 6.625% | No | No | Employed | US Citizen | $12,808.55 | 1 | $9,715.20 | $1,544.16 | $809.60 | $128.68 | 30.008% | 30.008% | 30.008% | XXXXX | 817 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $2,565.00 | 6.190% | $0.00 | None | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | No | 35 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 5.82 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103950 | XXXXX | N/A | No | No | $3,702.41 | $3,702.41 | 7.000% | No | No | US Citizen | 1 | $4,643.04 | $3,024.84 | $386.92 | $252.07 | 0.000% | 0.000% | 0.000% | XXXXX | 741 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.21 | 0.82 | XXXXX | XXXXX | 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 | 179.06 | Yes | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000105665 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $1,495.00 | $3,398.75 | 7.202% | $2,993.26 | $2,993.26 | 7.000% | No | No | Employed | US Citizen | $9,839.93 | 1 | $3,424.08 | $1,981.80 | $285.34 | $165.15 | 38.211% | 38.211% | 38.211% | XXXXX | 804 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 [Borrower - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,495.00 | 6.220% | $900.00 | 1.0 | DU | ApproveEligible | Yes | No | 7.000% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | No | XXXXX | XXXXX | 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 | 223.54 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103285 | XXXXX | N/A | No | Yes | $0.00 | 7.220% | $1,358.38 | $1,358.38 | 7.250% | No | No | Employed | US Citizen | $5,768.18 | 1 | $2,418.60 | $2,332.56 | $201.55 | $194.38 | 49.364% | 49.364% | 49.364% | XXXXX | 678 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.190% | $0.00 | 999.0 | DU | ApproveEligible | N/A | No | 7.250% | 1 | 1 | 0 | 1 | 0 | 0.00 | No | XXXXX | XXXXX | No | 36 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 76.3 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000105679 | XXXXX | Non QM | Yes | No | $10,881.00 | $12,560.11 | 7.565% | $2,564.98 | $2,564.98 | 7.250% | No | No | Self-Employed | Permanent Resident Alien | $6,137.42 | 1 | $4,314.24 | $1,308.96 | $359.52 | $109.08 | 34.006% | 34.006% | 34.006% | XXXXX | 753 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2025 |
Alternative Documentation (A) | 1yr P&L w/o Bank Statements | 0 | 0 | 0 | No | XXXXX | $10,881.00 | 6.220% | $85,000.00 | 1.2 | None | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | XXXXX | 9.810% | 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 | 6.94 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000105022 | XXXXX | N/A | No | No | $4,939.87 | $4,939.87 | 7.000% | No | No | US Citizen | 1 | $20,848.32 | $2,869.44 | $1,737.36 | $239.12 | 0.000% | 0.000% | 0.000% | XXXXX | 750 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.79 | 1.27 | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 46.14 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000098558 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $0.00 | $0.00 | 6.732% | $4,994.22 | $4,994.22 | 6.750% | No | No | Employed | US Citizen | $16,853.64 | 1 | $9,643.08 | $1,083.96 | $803.59 | $90.33 | 39.923% | 39.923% | 39.923% | XXXXX | 746 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.190% | $0.00 | 2.7 | DU | ApproveEligible | No | No | 6.750% | 1 | 1 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 30.48 | No | No | $0.00 | $0.00 | No | No | No | No | 7 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000106065 | XXXXX | Non QM | Yes | No | $8,725.00 | $11,201.33 | 7.667% | $4,307.16 | $4,307.16 | 7.500% | No | No | Employed | US Citizen | $7,923.97 | 1 | $5,335.08 | $1,138.68 | $444.59 | $94.89 | 40.540% | 40.540% | 40.540% | XXXXX | 743 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $8,725.00 | 6.220% | $0.00 | 1.0 | None | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | No | 35 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 88.34 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102778 | XXXXX | Safe Harbor QM (APOR) | Yes | No | $1,093.00 | $3,102.60 | 6.645% | $5,148.10 | $5,148.10 | 6.625% | No | No | Employed | Permanent Resident Alien | $39,436.05 | 1 | $14,843.40 | $5,409.00 | $1,236.95 | $450.75 | 28.529% | 28.529% | 28.529% | XXXXX | 775 | No | No | [Borrower - |
Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,093.00 | 6.230% | $0.00 | 2.0 | DU | ApproveEligible | Yes | No | 6.625% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | No | 12 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | No | 19.76 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000099794 | XXXXX | N/A | No | No | $1,124.16 | $1,124.16 | 6.000% | No | No | US Citizen | 1 | $2,084.28 | $2,400.24 | $173.69 | $200.02 | 0.000% | 0.000% | 0.000% | XXXXX | 733 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 6.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | XXXXX | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 101.66 | Yes | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000095975 | XXXXX | N/A | No | No | $690.70 | $690.70 | 7.250% | No | No | US Citizen | 1 | $6,030.36 | $797.04 | $502.53 | $66.42 | 0.000% | 0.000% | 0.000% | XXXXX | 775 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.39 | 0.72 | XXXXX | XXXXX | 100.000% | No | Yes | Short Form | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 456.35 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100595 | XXXXX | N/A | No | Yes | $0.00 | 6.856% | $1,880.18 | $1,880.18 | 6.875% | No | No | Employed | US Citizen | $7,675.21 | 1 | $1,973.76 | $515.04 | $164.48 | $42.92 | 44.180% | 44.180% | 44.180% | XXXXX | 741 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.160% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.875% | 1 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 79.57 | No | No | $0.00 | $0.00 | No | No | No | No | 6 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000105054 | XXXXX | Non QM | Yes | No | $26,507.50 | $0.00 | 8.176% | $8,424.08 | $8,424.08 | 8.215% | No | No | Self-Employed | US Citizen | $25,387.38 | 1 | $8,228.40 | $2,671.68 | $685.70 | $222.64 | 33.359% | 33.359% | 33.359% | XXXXX | 719 | 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]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $26,507.50 | 6.270% | $15,000.00 | 1.6 | None | No | No | 8.215% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 29.860% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 10.66 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101250 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $1,990.00 | $3,064.74 | 7.484% | $1,667.98 | $1,667.98 | 7.375% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $6,360.50 | 1 | $2,874.00 | $3,111.00 | $239.50 | $259.25 | 46.093% | 46.093% | 46.093% | XXXXX | 746 | No | No | [Borrower - |
Primary Income - Social Security]; Award Letter / Continuance Letter -
2025 [Borrower - | Non-Primary Income - IRA Distribution]; Account Statements - 2025 [Borrower - | Non-Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,990.00 | 6.170% | $0.00 | 4.4 | DU | ApproveEligible | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Trustee | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 886.06 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100704 | XXXXX | N/A | No | No | $1,440.06 | $1,440.06 | 7.375% | No | No | Permanent Resident Alien | 1 | $2,085.96 | $810.00 | $173.83 | $67.50 | 0.000% | 0.000% | 0.000% | XXXXX | 722 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | 1.0 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.1 | 0.91 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 66.36 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000104911 | XXXXX | N/A | No | Yes | $0.00 | 6.607% | $1,772.30 | $1,772.30 | 6.625% | No | No | Employed | Permanent Resident Alien | $13,204.89 | 4 | $4,284.12 | $2,901.00 | $357.01 | $241.75 | 45.896% | 45.896% | 45.896% | XXXXX | 779 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.190% | $0.00 | DU | ApproveEligible | No | No | 6.625% | 1 | 1 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 216.38 | No | No | $0.00 | $0.00 | No | No | No | No | 5 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000099463 | XXXXX | N/A | No | No | $1,576.63 | $1,576.63 | 6.875% | No | No | US Citizen | 1 | $3,156.36 | $1,193.52 | $263.03 | $99.46 | 0.000% | 0.000% | 0.000% | XXXXX | 786 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | 2.8 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.13 | 0.88 | XXXXX | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 24.03 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103850 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $6,630.00 | $7,795.15 | 6.536% | $1,508.51 | $1,508.51 | 6.250% | No | No | Non-Employment Income | US Citizen | $10,001.22 | 1 | $3,254.64 | $3,519.96 | $271.22 | $293.33 | 37.081% | 37.081% | 37.081% | XXXXX | 802 | Yes | No | [Borrower - |
Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025 [Borrower - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | XXXXX | $6,630.00 | 6.260% | $0.00 | DU | Yes | ApproveEligible | N/A | No | 6.250% | 0 | 0 | 0 | 3 | 2 | 0.00 | No | 240 | Not Stated | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 1444.65 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000105593 | XXXXX | Non QM | Yes | No | $1,720.00 | $6,470.21 | 6.638% | $12,256.25 | $16,715.50 | 6.625% | No | No | Self-Employed | Self-Employed | Permanent Resident Alien | US Citizen | $59,994.55 | 1 | $61,174.92 | $14,351.04 | $5,097.91 | $1,195.92 | 42.254% | 37.962% | 42.254% | XXXXX | 799 | 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]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $1,720.00 | 6.220% | $0.00 | 2.2 | None | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 240 | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | No | 34.19 | No | No | $51,946.73 | $0.00 | No | No | No | No | 2 | 240 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000104007 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $1,295.00 | $3,076.50 | 6.400% | $3,892.95 | $3,892.95 | 6.375% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $14,986.51 | 1 | $17,138.64 | $1,364.88 | $1,428.22 | $113.74 | 41.859% | 41.859% | 41.859% | XXXXX | 756 | No | No | [Borrower - |
Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Account Transcripts - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Account Transcripts - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Account Transcripts - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Account Transcripts - 2023 [Coborrower]; Transcripts (1040) - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,295.00 | 6.260% | $0.00 | 2.7 | DU | ApproveEligible | No | No | 6.375% | 2 | 0 | 2 | 0 | 2 | 2 | No | Not Stated | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 14.71 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101918 | XXXXX | N/A | No | No | $4,793.75 | $4,793.75 | 7.375% | No | No | US Citizen | US Citizen | 2 | $9,637.80 | $9,095.76 | $803.15 | $757.98 | 0.000% | 0.000% | 0.000% | XXXXX | 773 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.04 | 0.96 | 360 | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 142.56 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000105926 | XXXXX | N/A | No | No | $4,680.62 | $4,680.62 | 6.875% | No | No | US Citizen | US Citizen | 1 | $8,300.88 | $2,124.96 | $691.74 | $177.08 | 0.000% | 0.000% | 0.000% | XXXXX | 796 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.86 | 1.16 | XXXXX | XXXXX | 33.540% | 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 | 18.13 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102440 | XXXXX | Non QM | Yes | No | $34,390.00 | $59,828.75 | 6.851% | $13,446.53 | $13,446.53 | 6.625% | No | No | Employed | US Citizen | $19,573.89 | 1 | $35,000.04 | $2,838.96 | $2,916.67 | $236.58 | 46.471% | 46.471% | 46.471% | XXXXX | 769 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $34,390.00 | 6.190% | $0.00 | 1.0 | None | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 3.230% | No | 24 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 5.13 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000104658 | XXXXX | N/A | No | No | $2,041.87 | $2,041.87 | 8.125% | No | No | US Citizen | 1 | $9,296.64 | $978.00 | $774.72 | $81.50 | 0.000% | 0.000% | 0.000% | XXXXX | 710 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | No | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.97 | 1.04 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 87.92 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000106980 | XXXXX | Non QM | Yes | No | $11,245.00 | $12,732.11 | 6.862% | $3,201.55 | $3,201.55 | 6.625% | No | No | Employed | Permanent Resident Alien | $8,877.62 | 1 | $9,596.88 | $2,013.12 | $799.74 | $167.76 | 36.588% | 36.588% | 36.588% | XXXXX | 719 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $11,245.00 | 6.270% | $0.00 | 1.0 | None | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | No | 35 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | No | 34.66 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000106979 | XXXXX | Non QM | Yes | No | $7,410.00 | $10,190.13 | 6.696% | $2,964.40 | $2,964.40 | 6.500% | No | No | Employed | Permanent Resident Alien | $5,910.53 | 1 | $9,000.00 | $1,608.00 | $750.00 | $134.00 | 43.203% | 43.203% | 43.203% | XXXXX | 810 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $7,410.00 | 6.230% | $0.00 | 1.0 | None | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 30.870% | No | 35 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 6.75 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102415 | XXXXX | N/A | No | No | $1,379.55 | $1,379.55 | 6.875% | No | No | US Citizen | 1 | $5,819.16 | $1,735.20 | $484.93 | $144.60 | 0.000% | 0.000% | 0.000% | XXXXX | 790 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.34 | 0.74 | XXXXX | XXXXX | 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 | 698.85 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102228 | XXXXX | N/A | No | No | $1,023.26 | $1,023.26 | 7.250% | No | No | US Citizen | 1 | $5,253.72 | $1,709.76 | $437.81 | $142.48 | 0.000% | 0.000% | 0.000% | XXXXX | 722 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.12 | 0.89 | XXXXX | XXXXX | No | Yes | Short Form | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | No | 161.22 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000097785 | XXXXX | N/A | No | No | $2,239.47 | $2,239.47 | 6.875% | No | No | US Citizen | 1 | $10,751.64 | $7,316.76 | $895.97 | $609.73 | 0.000% | 0.000% | 0.000% | XXXXX | 676 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.1 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | XXXXX | 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 | 58.55 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000099075 | XXXXX | N/A | No | No | $596.24 | $596.24 | 7.125% | No | No | US Citizen | 2 | $2,665.80 | $2,604.96 | $222.15 | $217.08 | 0.000% | 0.000% | 0.000% | XXXXX | 793 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.79 | 0.56 | XXXXX | XXXXX | 1.250% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 8.34 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101825 | XXXXX | N/A | No | No | $1,141.32 | $1,141.32 | 7.625% | No | No | US Citizen | 1 | $1,276.68 | $1,299.96 | $106.39 | $108.33 | 0.000% | 0.000% | 0.000% | XXXXX | 789 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | 1.9 | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.44 | 0.7 | XXXXX | 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 | 111.77 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000105136 | XXXXX | N/A | No | No | $1,083.93 | $1,083.93 | 6.875% | No | No | US Citizen | US Citizen | 1 | $4,141.20 | $1,176.96 | $345.10 | $98.08 | 0.000% | 0.000% | 0.000% | XXXXX | 782 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.35 | 0.74 | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | 3.98 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000104348 | XXXXX | N/A | No | No | $580.17 | $580.17 | 7.375% | No | No | US Citizen | 1 | $1,289.76 | $1,127.04 | $107.48 | $93.92 | 0.000% | 0.000% | 0.000% | XXXXX | 795 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.4 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.92 | 0.52 | XXXXX | XXXXX | 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 | 334.45 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103125 | XXXXX | Non QM | Yes | No | $11,534.06 | $11,677.09 | 6.623% | $2,690.44 | $2,690.44 | 6.375% | No | No | Employed | Permanent Resident Alien | $6,128.95 | 1 | $8,126.40 | $2,667.96 | $677.20 | $222.33 | 37.460% | 37.460% | 37.460% | XXXXX | 814 | No | No | [Borrower - |
Primary Income - Wages]; Employer Letter - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $11,534.06 | 6.230% | $125,000.00 | None | Yes | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 23.740% | No | 28 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 26.25 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000106461 | XXXXX | N/A | No | No | $971.59 | $971.59 | 7.875% | No | No | US Citizen | 1 | $3,467.76 | $1,293.00 | $288.98 | $107.75 | 0.000% | 0.000% | 0.000% | XXXXX | 763 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.7 | No | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 13.54 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103344 | XXXXX | N/A | No | No | $757.21 | $757.21 | 7.604% | No | No | US Citizen | 1 | $1,237.08 | $912.96 | $103.09 | $76.08 | 0.000% | 0.000% | 0.000% | XXXXX | 740 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 7.604% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.5 | 0.67 | XXXXX | XXXXX | 39.260% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 22.76 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000098868 | XXXXX | Non QM | Yes | No | $8,996.00 | $2,321.28 | 6.493% | $7,136.30 | $9,830.07 | 6.490% | No | No | Employed | Self-Employed | US Citizen | US Citizen | $16,438.55 | 1 | $25,604.64 | $5,136.12 | $2,133.72 | $428.01 | 46.427% | 37.648% | 46.427% | XXXXX | 757 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Sole Proprietor]; P&L Statement - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 [Coborrower(s) - | Non-Primary Income - Trust Income]; Account Statements - 2025 [Coborrower(s) - | Non-Primary Income - Trust Income]; Other - 2025 [Coborrower(s) - | Non-Primary Income - Trust Income]; Other - 2024 [Coborrower(s) - | Non-Primary Income - Trust Income]; Other - 2023 [Coborrower(s) - | Non-Primary Income - Trust Income]; Trust Agreement - 2012 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | No | XXXXX | $8,996.00 | 6.160% | $0.00 | 3.6 | None | Yes | No | 6.490% | 2 | 0 | 2 | 0 | 3 | 2 | 0.00 | No | 240 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 20.84 | No | No | $13,769.58 | $0.00 | No | No | No | No | 2 | 240 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101763 | XXXXX | Non QM | Yes | Yes | $0.00 | $1,414.36 | 6.889% | $3,623.36 | $3,623.36 | 6.875% | No | No | Employed | Employed | US Citizen | US Citizen | $13,519.78 | 4 | $6,184.92 | $3,879.00 | $515.41 | $323.25 | 47.134% | 47.134% | 47.134% | XXXXX | 723 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.170% | $0.00 | DU | ApproveEligible | No | No | 6.875% | 1 | 1 | 1 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 86.28 | No | No | $0.00 | $6,065.00 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000106530 | XXXXX | N/A | No | No | $1,152.56 | $1,152.56 | 6.625% | No | No | US Citizen | US Citizen | 1 | $3,779.40 | $1,068.12 | $314.95 | $89.01 | 0.000% | 0.000% | 0.000% | XXXXX | 727 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.6 | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.15 | 0.87 | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Trustee | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 36.41 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000104672 | XXXXX | N/A | No | No | $19,225.00 | $6,195.27 | 7.696% | $3,963.64 | $3,963.64 | 7.625% | No | No | Not Employed | Self-Employed | US Citizen | $33,770.95 | 1 | $7,167.96 | $1,620.96 | $597.33 | $135.08 | 22.820% | 22.820% | 22.820% | XXXXX | 764 | No | Yes | 12 | Business | 100.000% | 33.000% | [Coborrower(s) - |
Primary Income - Bank Statements | % of Business Ownership: 33.00% | 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: 33.00% | 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: 33.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 33.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 33.00% | 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 | Yes | XXXXX | $19,225.00 | 6.190% | $11,000.00 | 1.0 | None | Yes | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 1.420% | 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 | 6.59 | No | $43,756.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000105811 | XXXXX | N/A | No | No | $811.03 | $811.03 | 6.375% | No | No | US Citizen | 1 | $3,323.04 | $1,092.00 | $276.92 | $91.00 | 0.000% | 0.000% | 0.000% | XXXXX | 798 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.2 | Yes | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.4 | 0.71 | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 6.31 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103576 | XXXXX | N/A | No | Yes | $0.00 | 6.739% | $1,070.19 | $1,070.19 | 6.750% | No | No | Self-Employed | Non-Employment Income | Self-Employed | 2.24 | US Citizen | US Citizen | US Citizen | $12,486.60 | 1 | $3,407.52 | $4,224.00 | $283.96 | $352.00 | 46.947% | 46.947% | 46.947% | XXXXX | 678 | 678 | 683 | 661 | Level 3-Stated/Partially Verified | Level 5-Stated/Verified as defined | Level 3-Stated/Verified as defined | No | No | [Borrower - |
Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 [Borrower - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025 [Borrower - | Non-Primary Income - Pension]; 1099-R - 2024 [Borrower - | Non-Primary Income - Pension]; 1099-R - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 Transcript - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 Transcript - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022 [Coborrower(s) - | Primary Income - Pension]; Award Letter / Continuance Letter - 2025 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 4506-C - 2022 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.230% | $0.00 | LP / LPA | Accept/Eligible | Yes | No | 6.750% | 0 | 0 | 2 | 0 | 3 | 2 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 106.67 | No | No | $21,152.58 | $0.00 | No | No | No | No | 4 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102084 | XXXXX | N/A | No | Yes | $0.00 | 6.983% | $1,247.44 | $1,247.44 | 7.000% | No | No | Employed | Employed | US Citizen | US Citizen | $10,543.44 | 1 | $2,889.00 | $1,119.00 | $240.75 | $93.25 | 37.949% | 37.949% | 37.949% | XXXXX | 738 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.260% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 7.000% | 2 | 1 | 2 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | No | 34 | 25 | 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 | 170.68 | No | No | $0.00 | $4,721.60 | No | No | No | No | 6 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100794 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $14,050.00 | $16,518.71 | 7.379% | $4,257.90 | $4,257.90 | 7.125% | No | No | Self-Employed | US Citizen | $8,909.86 | 1 | $12,061.92 | $2,061.00 | $1,005.16 | $171.75 | 44.503% | 44.503% | 44.503% | XXXXX | 784 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $14,050.00 | 6.160% | $0.00 | 2.7 | None | N/A | No | 7.125% | 0 | 0 | 0 | 3 | 0 | 12.00 | No | XXXXX | XXXXX | 28.420% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 8.82 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000105808 | XXXXX | N/A | No | No | $1,097.07 | $1,097.07 | 6.875% | No | No | US Citizen | 1 | $1,431.48 | $1,061.04 | $119.29 | $88.42 | 0.000% | 0.000% | 0.000% | XXXXX | 705 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.53 | 0.65 | XXXXX | XXXXX | 100.000% | 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 | 605.37 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000105825 | XXXXX | N/A | No | No | $1,083.93 | $1,083.93 | 6.875% | No | No | US Citizen | 1 | $1,176.00 | $1,083.00 | $98.00 | $90.25 | 0.000% | 0.000% | 0.000% | XXXXX | 705 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.41 | 0.71 | XXXXX | XXXXX | 100.000% | 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 | 604.61 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000106122 | XXXXX | N/A | No | No | $4,749.72 | $4,749.72 | 7.125% | No | No | US Citizen | 1 | $11,750.04 | $1,785.96 | $979.17 | $148.83 | 0.000% | 0.000% | 0.000% | XXXXX | 805 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.64 | 1.57 | XXXXX | XXXXX | 33.060% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 8.34 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102547 | XXXXX | N/A | No | No | $882.57 | $882.57 | 7.250% | No | No | Non-Permanent Resident Alien | 1 | $2,474.88 | $1,257.96 | $206.24 | $104.83 | 0.000% | 0.000% | 0.000% | XXXXX | 774 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.34 | 0.75 | XXXXX | XXXXX | 59.160% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 40.39 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103467 | XXXXX | N/A | No | No | $5,413.09 | $5,413.09 | 6.875% | No | No | 0 | US Citizen | US Citizen | 1 | $6,097.56 | $1,926.96 | $508.13 | $160.58 | 0.000% | 0.000% | 0.000% | XXXXX | 802 | Level 3-Stated/Partially Verified | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | XXXXX | XXXXX | 63.470% | 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 | 73.64 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102537 | XXXXX | N/A | No | No | $2,638.50 | $2,638.50 | 6.750% | No | No | US Citizen | 1 | $2,072.04 | $2,625.96 | $172.67 | $218.83 | 0.000% | 0.000% | 0.000% | XXXXX | 794 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 4.0 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.79 | 0.56 | XXXXX | XXXXX | 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 | 104.21 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101731 | XXXXX | N/A | No | Yes | $0.00 | 6.723% | $1,902.01 | $1,902.01 | 6.750% | No | No | Employed | US Citizen | $13,305.61 | 1 | $4,448.40 | $1,293.00 | $370.70 | $107.75 | 18.855% | 18.855% | 18.855% | XXXXX | 791 | 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]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.170% | $0.00 | 1.0 | LP / LPA | Accept/Eligible | Yes | No | 6.750% | 1 | 1 | 0 | 3 | 1 | 0.00 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 43.6 | No | No | $0.00 | $0.00 | No | No | No | No | 9 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102417 | XXXXX | N/A | No | No | $1,745.00 | $4,045.96 | 7.202% | $2,064.17 | $2,064.17 | 7.125% | No | No | Employed | US Citizen | $11,083.07 | 1 | $893.04 | $2,565.00 | $74.42 | $213.75 | 25.980% | 25.980% | 25.980% | XXXXX | 774 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,745.00 | 6.260% | $8,000.00 | 2.1 | None | Yes | No | 7.125% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | 100.000% | No | 34 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 180.68 | No | No | $0.00 | $0.00 | No | No | No | No | 10 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101447 | XXXXX | N/A | No | No | $4,365.07 | $4,365.07 | 7.375% | No | No | Permanent Resident Alien | 1 | $12,972.60 | $4,971.00 | $1,081.05 | $414.25 | 0.000% | 0.000% | 0.000% | XXXXX | 814 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.5 | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.66 | 0.6 | XXXXX | XXXXX | 54.860% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 40.98 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102672 | XXXXX | Non QM | Yes | No | $1,740.00 | $3,610.44 | 6.393% | $9,482.82 | $9,482.82 | 6.375% | No | No | Self-Employed | US Citizen | $17,162.17 | 1 | $23,110.32 | $9,407.52 | $1,925.86 | $783.96 | 41.843% | 41.843% | 41.843% | XXXXX | 786 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; Audited P&L - 2025 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $1,740.00 | 6.230% | $0.00 | 1.4 | None | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 34.18 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101760 | XXXXX | Higher Priced QM (APOR) | Yes | Yes | $1,775.82 | $3,044.46 | 7.734% | $838.50 | $838.50 | 7.500% | No | No | Employed | US Citizen | $3,749.28 | 1 | $569.76 | $2,262.96 | $47.48 | $188.58 | 25.901% | 25.901% | 25.901% | XXXXX | 762 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,775.82 | 6.220% | $5,000.00 | 1.0 | DU | ApproveEligible | Yes | No | 7.500% | 1 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 33.910% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 17.31 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102022 | XXXXX | N/A | No | No | $4,021.31 | $4,021.31 | 6.750% | No | No | US Citizen | 1 | $9,687.48 | $1,209.96 | $807.29 | $100.83 | 0.000% | 0.000% | 0.000% | XXXXX | 797 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 4.5 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.23 | 0.45 | XXXXX | XXXXX | 68.320% | No | Yes | Preliminary | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 75.98 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101661 | XXXXX | N/A | No | No | $1,003.30 | $1,003.30 | 8.375% | No | No | US Citizen | 1 | $1,706.40 | $1,727.04 | $142.20 | $143.92 | 0.000% | 0.000% | 0.000% | XXXXX | 708 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.12 | 0.89 | XXXXX | XXXXX | 51.370% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 32.67 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000104143 | XXXXX | N/A | No | No | $2,465.71 | $2,465.71 | 7.375% | No | No | US Citizen | 1 | $5,414.16 | $1,734.00 | $451.18 | $144.50 | 0.000% | 0.000% | 0.000% | XXXXX | 776 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.1 | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.95 | 1.06 | XXXXX | XXXXX | 46.090% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 25.11 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101617 | XXXXX | N/A | No | No | $4,192.85 | $4,192.85 | 6.875% | No | No | US Citizen | 1 | $2,644.20 | $1,898.04 | $220.35 | $158.17 | 0.000% | 0.000% | 0.000% | XXXXX | 779 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.6 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.42 | 0.41 | XXXXX | 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 | 137.19 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000106747 | XXXXX | Non QM | Yes | No | $2,549.00 | $3,667.47 | 6.409% | $5,583.64 | $5,583.64 | 6.375% | No | No | Employed | US Citizen | $15,287.79 | 1 | $16,002.60 | $2,321.04 | $1,333.55 | $193.42 | 41.761% | 41.761% | 41.761% | XXXXX | 816 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $2,549.00 | 6.270% | $0.00 | None | N/A | No | 6.375% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | No | 35 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 3.74 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000105962 | XXXXX | N/A | No | Yes | $0.00 | 6.983% | $1,596.73 | $1,596.73 | 7.000% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $8,941.03 | 2 | $8,695.20 | $1,532.52 | $724.60 | $127.71 | 42.692% | 42.692% | 42.692% | XXXXX | 732 | No | No | [Borrower - |
Primary Income - S-Corp (>= 25%)]; Other - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Other - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 Transcript - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 Transcript - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 4506-C - 2022 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.220% | $0.00 | DU | ApproveEligible | No | No | 7.000% | 2 | 0 | 2 | 0 | 3 | 2 | No | XXXXX | XXXXX | 83.820% | 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 | 74.33 | No | No | $0.00 | $0.00 | No | No | No | No | 5 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101696 | XXXXX | N/A | No | No | $2,148.86 | $2,148.86 | 7.250% | No | No | US Citizen | 1 | $1,893.24 | $741.96 | $157.77 | $61.83 | 0.000% | 0.000% | 0.000% | XXXXX | 794 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.27 | 0.79 | XXXXX | XXXXX | 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 | 55.71 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101589 | XXXXX | N/A | No | No | $2,395.09 | $2,395.09 | 7.000% | No | No | 0 | Permanent Resident Alien | Permanent Resident Alien | 1 | $5,119.68 | $2,096.04 | $426.64 | $174.67 | 0.000% | 0.000% | 0.000% | XXXXX | 752 | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.1 | Yes | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.63 | 0.61 | XXXXX | XXXXX | 8.110% | 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 | 96.67 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102442 | XXXXX | N/A | No | No | $1,745.00 | $4,097.40 | 7.209% | $2,021.16 | $2,021.16 | 7.125% | No | No | Employed | US Citizen | $6,464.65 | 1 | $1,178.16 | $1,811.04 | $98.18 | $150.92 | 37.574% | 37.574% | 37.574% | XXXXX | 774 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,745.00 | 6.260% | $0.00 | 2.6 | None | Yes | No | 7.125% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 100.000% | No | 34 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 179.39 | No | No | $0.00 | $0.00 | No | No | No | No | 10 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103612 | XXXXX | N/A | No | No | $1,671.33 | $1,671.33 | 7.250% | No | No | US Citizen | US Citizen | 1 | $1,748.76 | $1,035.96 | $145.73 | $86.33 | 0.000% | 0.000% | 0.000% | XXXXX | 742 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.6 | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.83 | 0.55 | XXXXX | XXXXX | 41.100% | 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 | 15.41 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103382 | XXXXX | N/A | No | No | $3,011.34 | $3,011.34 | 7.375% | No | No | US Citizen | US Citizen | 1 | $4,467.96 | $2,149.56 | $372.33 | $179.13 | 0.000% | 0.000% | 0.000% | XXXXX | 756 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.24 | 0.81 | XXXXX | XXXXX | 51.860% | 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 | 44.07 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000106344 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $6,217.00 | $145.14 | 6.984% | $4,215.89 | $4,215.89 | 6.750% | No | No | Employed | Not Employed | US Citizen | US Citizen | $19,150.63 | 1 | $4,508.88 | $3,717.96 | $375.74 | $309.83 | 25.159% | 25.159% | 25.159% | XXXXX | 779 | No | No | [Borrower - |
Primary Income - Wages]; Other - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $6,217.00 | 6.220% | $15,000.00 | 1.5 | DU | ApproveEligible | Yes | No | 6.750% | 2 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 21.380% | No | 34 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 12.73 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102961 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $2,090.00 | $3,107.39 | 6.859% | $1,491.78 | $1,491.78 | 6.750% | No | No | Employed | US Citizen | $12,417.57 | 1 | $1,635.48 | $1,083.60 | $136.29 | $90.30 | 25.495% | 25.495% | 25.495% | XXXXX | 749 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 2 | 0 | 0 | No | XXXXX | $2,090.00 | 6.230% | $0.00 | 3.7 | LP / LPA | Accept/Eligible | No | No | 6.750% | 1 | 1 | 0 | 2 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 27.590% | No | 16 | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 28.53 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101278 | XXXXX | N/A | No | No | $3,076.36 | $3,076.36 | 7.125% | No | No | US Citizen | 1 | $2,114.16 | $699.96 | $176.18 | $58.33 | 0.000% | 0.000% | 0.000% | XXXXX | 725 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | XXXXX | XXXXX | 27.230% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 11.45 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 480 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103403 | XXXXX | N/A | No | No | $1,850.13 | $1,850.13 | 6.750% | No | No | US Citizen | US Citizen | 1 | $1,210.08 | $1,223.88 | $100.84 | $101.99 | 0.000% | 0.000% | 0.000% | XXXXX | 800 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.21 | 0.82 | XXXXX | XXXXX | 39.840% | 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 | 10.25 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000105004 | XXXXX | Non QM | Yes | No | $7,482.60 | $10,075.96 | 6.671% | $3,003.33 | $3,003.33 | 6.500% | No | No | Self-Employed | US Citizen | $5,815.31 | 1 | $6,485.28 | $1,031.04 | $540.44 | $85.92 | 38.430% | 38.430% | 38.430% | XXXXX | 706 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2025 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $7,482.60 | 6.260% | $0.00 | 1.0 | None | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | 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 | 42.29 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000099891 | XXXXX | N/A | No | No | $3,496.07 | $3,496.07 | 7.500% | No | No | US Citizen | 1 | $19,685.04 | $1,140.00 | $1,640.42 | $95.00 | 0.000% | 0.000% | 0.000% | XXXXX | 676 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.92 | 1.09 | XXXXX | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 38.28 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000104286 | XXXXX | N/A | No | No | $3,593.82 | $3,593.82 | 7.625% | No | No | US Citizen | 1 | $6,525.00 | $1,164.96 | $543.75 | $97.08 | 0.000% | 0.000% | 0.000% | XXXXX | 783 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.0 | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.77 | 1.3 | XXXXX | XXXXX | 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 | 38.99 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103482 | XXXXX | N/A | No | No | $4,856.02 | $4,856.02 | 6.875% | No | No | 0 | US Citizen | Permanent Resident Alien | 1 | $2,452.08 | $3,363.00 | $204.34 | $280.25 | 0.000% | 0.000% | 0.000% | XXXXX | 796 | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.3 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.55 | 0.65 | XXXXX | XXXXX | 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 | 12.02 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000105779 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $2,588.75 | $3,854.77 | 6.584% | $2,370.26 | $2,370.26 | 6.500% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $12,645.95 | 1 | $5,055.48 | $915.00 | $421.29 | $76.25 | 29.620% | 29.620% | 29.620% | XXXXX | 791 | No | No | [Borrower - |
Primary Income - Social Security]; Account Statements - 2025 [Borrower - | Primary Income - Social Security]; 1099-SSA - 2024 [Coborrower(s) - | Primary Income - Social Security]; Account Statements - 2025 [Coborrower(s) - | Primary Income - Social Security]; 1099-SSA - 2024 [Coborrower(s) - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025 [Coborrower(s) - | Non-Primary Income - Pension]; Paystubs - 2025 [Coborrower(s) - | Non-Primary Income - Pension]; 1099-R - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | XXXXX | $2,588.75 | 6.220% | $2,500.00 | 1.0 | LP / LPA | Accept/Eligible | No | No | 6.500% | 0 | 0 | 0 | 0 | 1 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 79.990% | 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 | 57.23 | No | No | $13,556.65 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102133 | XXXXX | N/A | No | No | $6,832.06 | $6,832.06 | 6.875% | No | No | 0 | US Citizen | US Citizen | 3 | $4,161.96 | $7,883.04 | $346.83 | $656.92 | 0.000% | 0.000% | 0.000% | XXXXX | 740 | Level 3-Stated/Partially Verified | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.91 | 0.52 | XXXXX | XXXXX | 86.280% | 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 | 107.9 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000105111 | XXXXX | Non QM | Yes | No | $25,394.51 | $26,696.36 | 6.791% | $2,932.35 | $2,932.35 | 6.250% | No | No | Self-Employed | US Citizen | $76,591.12 | 1 | $5,448.12 | $2,288.16 | $454.01 | $190.68 | 14.950% | 14.950% | 14.950% | XXXXX | 765 | No | No | Borrower Prepared | [Borrower - |
Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; Other - 2020 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - No Results Returned - 2024 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | XXXXX | $25,394.51 | 6.220% | $0.00 | 1.0 | None | Yes | No | 6.250% | 1 | 1 | 0 | 3 | 1 | 10.00 | No | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 81.63 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103346 | XXXXX | N/A | No | Yes | $0.00 | 6.734% | $2,918.69 | $2,918.69 | 6.750% | No | No | Self-Employed | US Citizen | $20,897.76 | 3 | $6,816.60 | $4,077.00 | $568.05 | $339.75 | 20.752% | 20.752% | 20.752% | XXXXX | 745 | No | No | [Borrower - |
Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.230% | $0.00 | DU | ApproveEligible | N/A | No | 6.750% | 2 | 2 | 0 | 2 | 2 | No | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 11.82 | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000104107 | XXXXX | N/A | No | Yes | $0.00 | $0.00 | 6.478% | $1,399.40 | $1,399.40 | 6.500% | No | No | Employed | US Citizen | $8,238.54 | 1 | $2,470.56 | $960.96 | $205.88 | $80.08 | 26.084% | 26.084% | 26.084% | XXXXX | 780 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.260% | $4,000.00 | 1.8 | DU | ApproveEligible | Yes | No | 6.500% | 1 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | 45.290% | No | 24 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 14.12 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100944 | XXXXX | N/A | No | No | $1,457.86 | $1,457.86 | 5.500% | No | No | US Citizen | 4 | $5,542.80 | $5,040.84 | $461.90 | $420.07 | 0.000% | 0.000% | 0.000% | XXXXX | 754 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | No | No | 5.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.56 | 0.64 | XXXXX | XXXXX | 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 | 370.61 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100945 | XXXXX | N/A | No | No | $904.27 | $904.27 | 5.500% | No | No | US Citizen | 1 | $3,645.00 | $859.56 | $303.75 | $71.63 | 0.000% | 0.000% | 0.000% | XXXXX | 754 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 5.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.13 | 0.89 | XXXXX | XXXXX | 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 | 310.85 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103450 | XXXXX | N/A | No | No | $885.06 | $885.06 | 8.125% | No | No | US Citizen | 1 | $5,774.88 | $2,213.04 | $481.24 | $184.42 | 0.000% | 0.000% | 0.000% | XXXXX | 731 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.42 | 0.7 | XXXXX | XXXXX | 22.390% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 3.02 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000105126 | XXXXX | Non QM | Yes | No | $7,870.00 | $5,171.80 | 6.402% | $1,939.51 | $1,939.51 | 6.250% | No | No | Employed | US Citizen | $5,460.83 | 1 | $13,062.48 | $1,693.44 | $1,088.54 | $141.12 | 37.945% | 37.945% | 37.945% | XXXXX | 776 | No | No | [Borrower - |
Primary Income - Wages]; Employer Letter - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $7,870.00 | 6.190% | $13,000.00 | 1.0 | None | N/A | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 43.700% | No | 35 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 17.12 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000107215 | XXXXX | N/A | No | No | $7,496.24 | $7,496.24 | 6.750% | No | No | US Citizen | 1 | $9,802.08 | $1,701.00 | $816.84 | $141.75 | 0.000% | 0.000% | 0.000% | XXXXX | 797 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 5.0 | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.44 | 0.7 | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 38.74 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000107965 | XXXXX | N/A | No | No | $4,499.48 | $4,499.48 | 6.625% | No | No | US Citizen | 1 | $17,140.68 | $13,319.28 | $1,428.39 | $1,109.94 | 0.000% | 0.000% | 0.000% | XXXXX | 801 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.45 | 0.69 | 240 | XXXXX | 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 | 110.91 | Yes | $0.00 | $0.00 | No | No | No | No | 1 | 240 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000104004 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $5,906.25 | $7,747.88 | 8.724% | $1,239.59 | $1,239.59 | 8.250% | No | No | Employed | US Citizen | $6,649.88 | 1 | $0.00 | $368.04 | $0.00 | $30.67 | 36.847% | 36.847% | 36.847% | XXXXX | 798 | No | No | [Borrower - |
Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2024 [Borrower - | Primary Income - Wages]; VVOE - 2024 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | XXXXX | $5,906.25 | 6.770% | $0.00 | None | No | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 41.290% | No | 22 | Yes | Shares/Stock/Ownership (Co-op) | Leasehold | Individual | Individual | No | Individual | No | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 10.1 | No | Yes | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103440 | XXXXX | N/A | No | No | $1,337.07 | $1,337.07 | 7.250% | No | No | US Citizen | 1 | $2,546.16 | $1,191.00 | $212.18 | $99.25 | 0.000% | 0.000% | 0.000% | XXXXX | 800 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.1 | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.05 | 0.96 | XXXXX | XXXXX | 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 | 337.14 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000104797 | XXXXX | N/A | No | Yes | $0.00 | 6.975% | $2,694.48 | $2,694.48 | 7.000% | No | No | Employed | US Citizen | $67,481.34 | 1 | $11,356.08 | $3,590.04 | $946.34 | $299.17 | 19.022% | 19.022% | 19.022% | XXXXX | 777 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 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 Transcript - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.190% | $0.00 | 1.0 | DU | ApproveEligible | No | No | 7.000% | 1 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | No | 32 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | 16.03 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000105025 | XXXXX | Non QM | Yes | No | $7,881.00 | $9,917.22 | 7.148% | $2,102.17 | $2,102.17 | 6.875% | No | No | Employed | US Citizen | $5,953.19 | 1 | $3,586.68 | $1,293.00 | $298.89 | $107.75 | 30.616% | 30.616% | 30.616% | XXXXX | 758 | No | No | [Borrower - |
Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $7,881.00 | 6.260% | $0.00 | 1.0 | None | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 30.000% | No | 34 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 10.38 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000105011 | XXXXX | N/A | No | No | $4,195.83 | $4,195.83 | 6.625% | No | No | US Citizen | 4 | $13,920.48 | $3,011.04 | $1,160.04 | $250.92 | 0.000% | 0.000% | 0.000% | XXXXX | 775 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.16 | 0.86 | 240 | XXXXX | 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 | 115.89 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000104418 | XXXXX | N/A | No | No | $15,640.00 | $17,336.76 | 6.933% | $3,316.81 | $3,316.81 | 6.625% | No | No | Employed | US Citizen | $17,041.63 | 2 | $2,953.44 | $2,967.00 | $246.12 | $247.25 | 26.965% | 26.965% | 26.965% | XXXXX | 752 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $15,640.00 | 6.190% | $0.00 | None | No | No | 6.625% | 1 | 2 | 0 | 2 | 2 | 0.00 | No | XXXXX | XXXXX | No | 13 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 52.52 | No | No | $0.00 | $0.00 | No | No | No | No | 7 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000107047 | XXXXX | N/A | No | No | $2,370.98 | $2,370.98 | 7.899% | No | No | US Citizen | 1 | $6,165.60 | $5,020.92 | $513.80 | $418.41 | 0.000% | 0.000% | 0.000% | XXXXX | 760 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 7.899% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.92 | 1.08 | XXXXX | XXXXX | 31.250% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 3.28 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102166 | XXXXX | N/A | No | No | $716.29 | $716.29 | 7.250% | No | No | US Citizen | 1 | $2,426.76 | $1,395.00 | $202.23 | $116.25 | 0.000% | 0.000% | 0.000% | XXXXX | 668 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 3.3 | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.35 | 0.74 | XXXXX | 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 | 89.64 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000104539 | XXXXX | N/A | No | No | $897.66 | $897.66 | 7.000% | No | No | US Citizen | 2 | $1,651.80 | $1,248.00 | $137.65 | $104.00 | 0.000% | 0.000% | 0.000% | XXXXX | 744 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | No | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.45 | 0.69 | XXXXX | XXXXX | 46.190% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 27.21 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101916 | XXXXX | N/A | No | No | $881.36 | $881.36 | 6.375% | No | No | US Citizen | 1 | $3,726.96 | $3,465.00 | $310.58 | $288.75 | 0.000% | 0.000% | 0.000% | XXXXX | 721 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.22 | 0.82 | XXXXX | XXXXX | 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 | 178.04 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000104258 | XXXXX | N/A | No | No | $10,623.00 | $10,623.00 | 8.376% | No | No | US Citizen | 1 | $7,647.60 | $4,199.04 | $637.30 | $349.92 | 0.000% | 0.000% | 0.000% | XXXXX | 738 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.4 | N/A | No | 8.376% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.63 | 1.59 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 12.18 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102757 | XXXXX | N/A | No | No | $1,982.70 | $1,982.70 | 7.000% | No | No | US Citizen | 1 | $4,437.96 | $878.04 | $369.83 | $73.17 | 0.000% | 0.000% | 0.000% | XXXXX | 742 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.03 | 0.97 | XXXXX | XXXXX | 100.000% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 141.94 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000104654 | XXXXX | N/A | No | Yes | $0.00 | 6.620% | $1,183.29 | $1,183.29 | 6.625% | No | No | Employed | US Citizen | $83,899.84 | 1 | $2,568.24 | $1,546.80 | $214.02 | $128.90 | 23.625% | 23.625% | 23.625% | XXXXX | 683 | No | No | [Borrower - |
Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.190% | $0.00 | 2.3 | DU | ApproveEligible | N/A | No | 6.625% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | 62.960% | No | 34 | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 72.36 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000105043 | XXXXX | N/A | No | No | $1,010.58 | $1,010.58 | 7.125% | No | No | US Citizen | 1 | $1,755.00 | $1,256.04 | $146.25 | $104.67 | 0.000% | 0.000% | 0.000% | XXXXX | 803 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.71 | 0.59 | XXXXX | XXXXX | 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 | 585.71 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000106062 | XXXXX | Non QM | Yes | No | $2,620.00 | $1,175.51 | 8.234% | $14,123.87 | $18,681.29 | 9.883% | No | No | Self-Employed | US Citizen | $29,896.82 | 1 | $37,594.32 | $2,285.04 | $3,132.86 | $190.42 | 48.868% | 41.074% | 48.868% | XXXXX | 783 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 |
Alternative Documentation (A) | 2yr P&L w/o Bank Statements | 0 | 0 | 0 | No | XXXXX | $2,620.00 | 6.160% | $0.00 | 4.6 | None | N/A | No | 9.883% | 0 | 0 | 0 | 0 | 0 | 34.00 | No | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 37.66 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000104808 | XXXXX | N/A | No | No | $4,850.77 | $4,850.77 | 7.125% | No | No | US Citizen | 1 | $14,179.32 | $7,004.16 | $1,181.61 | $583.68 | 0.000% | 0.000% | 0.000% | XXXXX | 722 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.91 | 1.1 | XXXXX | XXXXX | 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 | 9.76 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000104997 | XXXXX | N/A | No | No | $2,072.03 | $2,072.03 | 7.375% | No | No | US Citizen | 1 | $4,469.04 | $1,538.04 | $372.42 | $128.17 | 0.000% | 0.000% | 0.000% | XXXXX | 753 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.17 | 0.86 | XXXXX | XXXXX | 23.200% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 4.44 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000107197 | XXXXX | N/A | No | No | $4,065.89 | $4,065.89 | 7.125% | No | No | US Citizen | 1 | $14,228.52 | $1,761.96 | $1,185.71 | $146.83 | 0.000% | 0.000% | 0.000% | XXXXX | 750 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | 1.7 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.17 | 0.86 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 13.53 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000105847 | XXXXX | N/A | No | No | $3,385.83 | $3,385.83 | 6.250% | No | No | US Citizen | 1 | $7,500.00 | $1,101.00 | $625.00 | $91.75 | 0.000% | 0.000% | 0.000% | XXXXX | 795 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | No | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.75 | 1.34 | XXXXX | XXXXX | 38.320% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 5.72 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000099829 | XXXXX | N/A | No | No | $3,284.64 | $3,284.64 | 6.875% | No | No | US Citizen | 4 | $10,437.36 | $3,933.96 | $869.78 | $327.83 | 0.000% | 0.000% | 0.000% | XXXXX | 693 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.62 | 0.62 | XXXXX | 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 | 42.29 | Yes | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102982 | XXXXX | N/A | No | No | $842.15 | $842.15 | 7.125% | No | No | US Citizen | 1 | $7,183.56 | $1,809.00 | $598.63 | $150.75 | 0.000% | 0.000% | 0.000% | XXXXX | 738 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.6 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.28 | 0.44 | XXXXX | XXXXX | 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 | 20.96 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000106880 | XXXXX | Non QM | Yes | No | $2,390.00 | $5,204.29 | 6.480% | $2,869.80 | $2,869.80 | 6.375% | No | No | Self-Employed | US Citizen | $6,275.07 | 1 | $9,856.92 | $3,332.04 | $821.41 | $277.67 | 42.144% | 42.144% | 42.144% | XXXXX | 783 | 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]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $2,390.00 | 6.270% | $0.00 | 1.0 | None | N/A | No | 6.375% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 42.300% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 33.41 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000092696 | XXXXX | N/A | No | No | $2,936.70 | $2,936.70 | 7.500% | No | No | US Citizen | 1 | $5,410.80 | $7,214.64 | $450.90 | $601.22 | 0.000% | 0.000% | 0.000% | XXXXX | 789 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.75 | 1.33 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 108.15 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000104711 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $2,557.80 | $4,924.38 | 6.689% | $1,592.81 | $1,592.81 | 6.500% | No | No | Employed | US Citizen | $8,310.34 | 1 | $3,672.00 | $3,091.32 | $306.00 | $257.61 | 49.860% | 49.860% | 49.860% | XXXXX | 780 | No | No | [Borrower - |
Primary Income - Wages]; Other - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - IRA Distribution]; Account Statements - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $2,557.80 | 6.190% | $0.00 | 1.0 | LP / LPA | Accept/Eligible | N/A | No | 6.500% | 1 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 100.000% | No | 34 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 130.58 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101125 | XXXXX | N/A | No | No | $2,021.16 | $2,021.16 | 7.125% | No | No | US Citizen | 1 | $2,692.92 | $1,062.96 | $224.41 | $88.58 | 0.000% | 0.000% | 0.000% | XXXXX | 752 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.5 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.07 | 0.94 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 23 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000104775 | XXXXX | Non QM | Yes | No | $2,836.80 | $7,681.80 | 7.840% | $5,229.81 | $5,229.81 | 7.750% | No | No | Self-Employed | Non-Employment Income | US Citizen | US Citizen | $11,332.58 | 1 | $14,124.96 | $7,969.92 | $1,177.08 | $664.16 | 45.289% | 45.289% | 45.289% | XXXXX | 664 | No | Yes | 12 | Business | 85.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Coborrower(s) - | Primary Income - Social Security]; Account Statements - 2025 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Coborrower(s) - | Primary Income - Social Security]; 1099 Transcript - 2024 [Coborrower(s) - | Primary Income - Social Security]; 1099 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 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $2,836.80 | 6.190% | $0.00 | 3.6 | None | Yes | No | 7.750% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 58.610% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | Yes | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 34.81 | No | No | $3,190.10 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102518 | XXXXX | Non QM | Yes | No | $2,086.20 | $3,340.78 | 8.319% | $3,775.11 | $3,775.11 | 8.250% | No | No | Self-Employed | US Citizen | $5,741.20 | 1 | $10,446.24 | $4,084.44 | $870.52 | $340.37 | 46.480% | 46.480% | 46.480% | XXXXX | 722 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $2,086.20 | 6.260% | $0.00 | 2.6 | None | Yes | No | 8.250% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 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 | 36.38 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102944 | XXXXX | N/A | No | Yes | $0.00 | 7.238% | $5,288.23 | $5,288.23 | 7.250% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $24,409.19 | 1 | $8,969.40 | $4,134.72 | $747.45 | $344.56 | 42.973% | 42.973% | 42.973% | XXXXX | 763 | No | No | [Borrower - |
Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | Yes | XXXXX | 6.230% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 7.250% | 1 | 0 | 2 | 0 | 2 | 0 | No | XXXXX | XXXXX | 38.070% | No | 33 | 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 | 17.74 | No | No | $0.00 | $40,518.88 | No | No | No | No | 5 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000108802 | XXXXX | N/A | No | Yes | $0.00 | 6.372% | $5,102.63 | $5,102.63 | 6.375% | No | No | Employed | Employed | US Citizen | US Citizen | $20,218.30 | 1 | $19,037.04 | $1,039.08 | $1,586.42 | $86.59 | 41.374% | 41.374% | 41.374% | XXXXX | 775 | No | No | [Borrower - |
Primary Income - Wages]; Employer Letter - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.270% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.375% | 0 | 1 | 0 | 0 | 1 | 0 | 0.00 | No | XXXXX | XXXXX | No | 20 | 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 | 154.31 | No | No | $0.00 | $14,109.35 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000106651 | XXXXX | N/A | No | No | $832.40 | $832.40 | 6.625% | No | No | US Citizen | 1 | $3,967.32 | $1,142.04 | $330.61 | $95.17 | 0.000% | 0.000% | 0.000% | XXXXX | 710 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.03 | 0.49 | XXXXX | XXXXX | 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 | 204.33 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103021 | XXXXX | N/A | No | Yes | $0.00 | 6.836% | $4,283.18 | $4,283.18 | 6.875% | No | No | Employed | Self-Employed | US Citizen | US Citizen | $21,543.13 | 1 | $10,446.48 | $0.00 | $870.54 | $0.00 | 34.797% | 34.797% | 34.797% | XXXXX | 776 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.230% | $0.00 | LP / LPA | Accept/Eligible | N/A | No | 6.875% | 1 | 1 | 1 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | No | 34 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 14.7 | No | No | $15,650.67 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000107115 | XXXXX | N/A | No | Yes | $0.00 | 6.745% | $3,259.21 | $3,259.21 | 6.750% | No | No | Self-Employed | Self-Employed | Employed | 0.5 | US Citizen | US Citizen | US Citizen | $9,034.50 | 1 | $8,540.76 | $1,493.52 | $711.73 | $124.46 | 29.124% | 29.124% | 29.124% | XXXXX | 772 | 792 | 791 | 778 | Level 4-Stated/Verified as defined | Level 3-Stated/Partially Verified | Level 3-Stated/Verified as defined | No | No | [Borrower - |
Primary Income - S-Corp (>= 25%)]; Other - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Other - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Employer Letter - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.250% | $0.00 | 1.0 | LP / LPA | Accept/Eligible | Yes | No | 6.750% | 1 | 1 | 1 | 0 | 2 | 1 | No | XXXXX | XXXXX | 3.630% | No | 5 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 10.3 | No | No | $1,811.75 | $5,916.68 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000105576 | XXXXX | N/A | No | No | $1,293.55 | $1,293.55 | 7.500% | No | No | US Citizen | 1 | $1,800.00 | $1,764.96 | $150.00 | $147.08 | 0.000% | 0.000% | 0.000% | XXXXX | 730 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.13 | 0.88 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 3.96 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000105743 | XXXXX | N/A | No | No | $3,279.32 | $3,279.32 | 7.500% | No | No | US Citizen | 1 | $5,497.92 | $1,098.96 | $458.16 | $91.58 | 0.000% | 0.000% | 0.000% | XXXXX | 705 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.84 | 1.2 | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 19.43 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000108733 | XXXXX | N/A | No | No | $1,478.09 | $1,478.09 | 6.875% | No | No | Permanent Resident Alien | 1 | $8,596.44 | $2,533.08 | $716.37 | $211.09 | 0.000% | 0.000% | 0.000% | XXXXX | 738 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | 1.0 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.05 | 0.96 | XXXXX | XXXXX | 3.330% | 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 | 43.01 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000105461 | XXXXX | N/A | No | Yes | $0.00 | $0.00 | 8.078% | $742.61 | $742.61 | 7.375% | No | No | Employed | US Citizen | $6,680.16 | 1 | $1,469.76 | $2,754.48 | $122.48 | $229.54 | 49.000% | 49.000% | 49.000% | XXXXX | 712 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.220% | $2,560.00 | 2.8 | LP / LPA | Accept/Eligible | Yes | No | 7.375% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | 34.350% | No | 35 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 11.49 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000108719 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $1,965.00 | $2,730.24 | 6.919% | $3,713.50 | $3,713.50 | 6.875% | No | No | Self-Employed | US Citizen | $25,548.57 | 1 | $17,244.48 | $1,906.56 | $1,437.04 | $158.88 | 40.271% | 40.271% | 40.271% | XXXXX | 731 | No | No | [Borrower - |
Primary Income - S-Corp (>= 25%)]; Other - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,965.00 | 6.190% | $3,267.34 | 1.6 | LP / LPA | Accept/Eligible | No | No | 6.875% | 1 | 1 | 0 | 3 | 1 | No | Not Stated | XXXXX | XXXXX | 7.070% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 134.54 | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000104425 | XXXXX | N/A | No | No | $1,379.55 | $1,379.55 | 6.875% | No | No | 0 | US Citizen | US Citizen | 2 | $11,590.56 | $2,451.00 | $965.88 | $204.25 | 0.000% | 0.000% | 0.000% | XXXXX | 807 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.98 | 1.02 | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 219.71 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000108869 | XXXXX | N/A | No | Yes | $0.00 | 5.987% | $4,312.14 | $4,312.14 | 5.990% | No | No | Employed | Not Employed | Permanent Resident Alien | US Citizen | $14,012.20 | 1 | $27,903.60 | $916.20 | $2,325.30 | $76.35 | 44.912% | 44.912% | 44.912% | XXXXX | 804 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.190% | $0.00 | 1.0 | LP / LPA | Accept/Eligible | Yes | No | 5.990% | 0 | 0 | 1 | 0 | 1 | 0 | 0.00 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 13.85 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103557 | XXXXX | N/A | No | Yes | $0.00 | 6.869% | $4,265.77 | $4,265.77 | 6.875% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $52,042.40 | 1 | $10,175.04 | $0.00 | $847.92 | $0.00 | 18.496% | 18.496% | 18.496% | XXXXX | 803 | No | No | [Borrower - |
Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023 [Coborrower(s) - | Primary Income - K-1 (< 25%)]; Employer Letter - 2025 [Coborrower(s) - | Primary Income - K-1 (< 25%)]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - K-1 (< 25%)]; K-1 - 2024 [Coborrower(s) - | Primary Income - K-1 (< 25%)]; K-1 - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.230% | $0.00 | LP / LPA | Accept/Eligible | No | No | 6.875% | 0 | 0 | 1 | 0 | 2 | 0 | No | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Trustee | Individual | Trustee | No | Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 18.69 | No | No | $65,227.33 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000105565 | XXXXX | N/A | No | Yes | $0.00 | 6.745% | $1,180.45 | $1,180.45 | 6.750% | No | No | Self-Employed | US Citizen | $32,053.05 | 1 | $2,016.00 | $1,133.88 | $168.00 | $94.49 | 21.760% | 21.760% | 21.760% | XXXXX | 765 | No | No | [Borrower - |
Primary Income - S-Corp (>= 25%)]; Other - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.220% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.750% | 2 | 2 | 0 | 3 | 0 | No | XXXXX | XXXXX | 76.470% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 43.22 | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000105504 | XXXXX | N/A | No | No | $683.65 | $683.65 | 8.250% | No | No | US Citizen | 2 | $261.00 | $1,037.04 | $21.75 | $86.42 | 0.000% | 0.000% | 0.000% | XXXXX | 755 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | No | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.27 | 0.44 | XXXXX | 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 | 106.81 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000105858 | XXXXX | N/A | No | No | $1,105.08 | $1,105.08 | 7.375% | No | No | US Citizen | 1 | $2,880.00 | $1,724.64 | $240.00 | $143.72 | 0.000% | 0.000% | 0.000% | XXXXX | 741 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.07 | 0.93 | XXXXX | XXXXX | 46.680% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 31.43 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000104826 | XXXXX | N/A | No | No | $3,502.42 | $3,502.42 | 6.750% | No | No | US Citizen | 1 | $4,197.96 | $3,301.44 | $349.83 | $275.12 | 0.000% | 0.000% | 0.000% | XXXXX | 694 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.4 | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.31 | 0.76 | XXXXX | XXXXX | 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 | 140.61 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000105575 | XXXXX | N/A | No | No | $2,370.00 | $5,961.71 | 6.899% | $8,051.32 | $8,051.32 | 6.875% | No | No | Employed | Employed | US Citizen | US Citizen | $38,110.99 | 1 | $5,277.96 | $13,653.84 | $439.83 | $1,137.82 | 37.123% | 37.123% | 37.123% | XXXXX | 815 | No | No | [Borrower - |
Primary Income - Wages]; Employer Letter - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $2,370.00 | 6.220% | $31,800.00 | 3.5 | None | Yes | No | 6.875% | 2 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 27.900% | No | 35 | 35 | 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 | 9.63 | No | No | $0.00 | $39,086.97 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000105625 | XXXXX | N/A | No | No | $1,747.41 | $1,747.41 | 7.375% | No | No | US Citizen | US Citizen | 1 | $4,038.48 | $1,584.96 | $336.54 | $132.08 | 0.000% | 0.000% | 0.000% | XXXXX | 815 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.9 | 1.11 | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Trustee | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 25.31 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000108084 | XXXXX | Non QM | Yes | No | $3,060.00 | $8,403.75 | 6.967% | $3,836.46 | $3,836.46 | 6.875% | No | No | Employed | Permanent Resident Alien | $6,370.37 | 1 | $9,125.04 | $1,173.00 | $760.42 | $97.75 | 43.375% | 43.375% | 43.375% | XXXXX | 797 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $3,060.00 | 6.250% | $100.00 | 1.0 | None | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 8.280% | No | 35 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 7.74 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000105125 | XXXXX | N/A | No | Yes | $0.00 | $0.00 | 6.746% | $5,230.94 | $5,230.94 | 6.750% | No | No | Self-Employed | US Citizen | $34,762.42 | 1 | $13,706.88 | $3,065.04 | $1,142.24 | $255.42 | 39.563% | 39.563% | 39.563% | XXXXX | 716 | No | No | Third Party Prepared (Unaudited) | [Borrower - |
Primary Income - S-Corp (>= 25%)]; Other - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Other - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Paystubs - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2023 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Other - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2021 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Tax Return Extension - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.190% | $10,000.00 | 2.8 | DU | ApproveEligible | No | No | 6.750% | 2 | 2 | 0 | 3 | 2 | 11.50 | No | XXXXX | XXXXX | 59.130% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 71.04 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000107715 | XXXXX | Non QM | Yes | No | $1,050.00 | $150.00 | 7.401% | $19,108.75 | $21,027.07 | 7.843% | No | No | Employed | Permanent Resident Alien | $50,950.00 | 1 | $47,641.20 | $1,468.20 | $3,970.10 | $122.35 | 39.504% | 41.507% | 39.504% | XXXXX | 787 | No | No | [Borrower - |
Primary Income - Wages]; Borrower Attestation of Employment - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $1,050.00 | 6.420% | $0.00 | 2.8 | None | No | No | 7.843% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | No | 35 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | No | 14.12 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000104490 | XXXXX | N/A | No | No | $3,859.66 | $3,859.66 | 7.500% | No | No | US Citizen | 3 | $9,107.28 | $6,684.96 | $758.94 | $557.08 | 0.000% | 0.000% | 0.000% | XXXXX | 809 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.04 | 0.96 | XXXXX | XXXXX | 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 | 140.86 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100153 | XXXXX | N/A | No | Yes | $0.00 | 6.614% | $1,857.79 | $1,857.79 | 6.625% | No | No | Employed | US Citizen | $7,729.38 | 1 | $1,538.64 | $557.04 | $128.22 | $46.42 | 43.786% | 43.786% | 43.786% | XXXXX | 741 | 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]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.160% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.625% | 1 | 1 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 106.83 | No | No | $0.00 | $0.00 | No | No | No | No | 6 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000107266 | XXXXX | N/A | No | No | $1,535.28 | $1,535.28 | 6.990% | No | No | US Citizen | US Citizen | 1 | $6,117.48 | $816.12 | $509.79 | $68.01 | 0.000% | 0.000% | 0.000% | XXXXX | 765 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 3.9 | N/A | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.94 | 1.07 | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 205.55 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000108219 | XXXXX | N/A | No | No | $695.05 | $695.05 | 6.950% | No | No | US Citizen | US Citizen | 1 | $8,966.64 | $1,845.96 | $747.22 | $153.83 | 0.000% | 0.000% | 0.000% | XXXXX | 711 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.950% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.51 | 0.4 | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 60.82 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101766 | XXXXX | N/A | No | Yes | $0.00 | $0.00 | 6.623% | $4,077.18 | $4,077.18 | 6.625% | No | No | Employed | Employed | US Citizen | US Citizen | $13,711.53 | 1 | $8,311.56 | $3,354.00 | $692.63 | $279.50 | 46.384% | 46.384% | 46.384% | XXXXX | 723 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.170% | ($2,500.00) | 1.0 | DU | ApproveEligible | Yes | No | 6.625% | 1 | 1 | 1 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 46.610% | No | 34 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 28.85 | No | No | $0.00 | $6,065.00 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000107048 | XXXXX | N/A | No | No | $614.43 | $614.43 | 7.125% | No | No | US Citizen | 1 | $1,952.52 | $1,556.64 | $162.71 | $129.72 | 0.000% | 0.000% | 0.000% | XXXXX | 744 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.68 | 0.59 | XXXXX | XXXXX | 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 | 243.24 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000105447 | XXXXX | N/A | No | No | $4,352.93 | $4,352.93 | 7.625% | No | No | US Citizen | 1 | $9,593.40 | $3,252.96 | $799.45 | $271.08 | 0.000% | 0.000% | 0.000% | XXXXX | 775 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 3.9 | Yes | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.71 | 1.41 | XXXXX | XXXXX | 29.170% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 6.11 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000104675 | XXXXX | N/A | No | Yes | $0.00 | 6.577% | $1,110.94 | $1,110.94 | 6.625% | No | No | Employed | US Citizen | $7,774.58 | 1 | $2,075.52 | $1,090.92 | $172.96 | $90.91 | 42.538% | 42.538% | 42.538% | XXXXX | 784 | No | No | [Borrower - |
Primary Income - Wages]; Employer Letter - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
[Borrower]; 1040 - 2024 [Borrower]; Account Transcripts - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.190% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.625% | 0 | 1 | 0 | 0 | 1 | 0.00 | No | XXXXX | XXXXX | No | 0 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 9.51 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000106115 | XXXXX | N/A | No | No | $842.62 | $842.62 | 7.375% | No | No | US Citizen | US Citizen | 1 | $1,147.80 | $542.04 | $95.65 | $45.17 | 0.000% | 0.000% | 0.000% | XXXXX | 795 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.5 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.02 | 0.98 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Trustee | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 121.81 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000099268 | XXXXX | N/A | No | Yes | $0.00 | $0.00 | 7.340% | $862.40 | $862.40 | 7.000% | No | No | Employed | Non-Employment Income | US Citizen | US Citizen | $8,082.66 | 1 | $1,088.40 | $1,912.80 | $90.70 | $159.40 | 14.613% | 14.613% | 14.613% | XXXXX | 773 | No | No | [Borrower - |
Primary Income - Wages]; Other - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2021 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.240% | $3,000.00 | 2.6 | LP / LPA | Accept/Eligible | Yes | No | 7.000% | 1 | 0 | 0 | 0 | 4 | 0 | 0.00 | No | XXXXX | XXXXX | 58.810% | No | 34 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 53.47 | No | No | $1,491.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103150 | XXXXX | N/A | No | No | $1,787.02 | $1,787.02 | 7.991% | No | No | US Citizen | 3 | $4,127.76 | $1,755.36 | $343.98 | $146.28 | 0.000% | 0.000% | 0.000% | XXXXX | 722 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 7.991% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.25 | 0.8 | XXXXX | XXXXX | 3.070% | 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 | 50.16 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000106079 | XXXXX | N/A | No | Yes | $0.00 | 6.623% | $3,137.52 | $3,137.52 | 6.625% | No | No | Employed | Employed | US Citizen | US Citizen | $22,789.03 | 1 | $13,805.88 | $6,549.00 | $1,150.49 | $545.75 | 27.948% | 27.948% | 27.948% | XXXXX | 772 | No | No | [Borrower - |
Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.220% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.625% | 0 | 1 | 0 | 0 | 1 | 0 | 0.00 | No | XXXXX | XXXXX | No | 35 | 36 | 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 | 181.29 | No | No | $0.00 | $5,421.62 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000106730 | XXXXX | Non QM | Yes | No | $2,490.00 | $5,984.69 | 7.408% | $5,045.65 | $5,747.34 | 7.937% | No | No | Self-Employed | US Citizen | $71,100.43 | 1 | $15,559.80 | $1,550.04 | $1,296.65 | $129.17 | 9.924% | 10.257% | 9.924% | XXXXX | 799 | 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]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $2,490.00 | 6.410% | $0.00 | 2.0 | None | N/A | No | 7.937% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 2.030% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 10.01 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000107380 | XXXXX | N/A | No | Yes | $0.00 | 6.827% | $3,054.72 | $3,054.72 | 6.875% | No | No | Non-Employment Income | US Citizen | $5,543.80 | 4 | $2,141.04 | $2,066.04 | $178.42 | $172.17 | 49.360% | 49.360% | 49.360% | XXXXX | 758 | No | No | [Borrower - |
Primary Income - VA Service Related Disability]; VA Verification of Benefits
- 2026 [Borrower - | Primary Income - VA Service Related Disability]; Other - 2025 [Borrower - | Non-Primary Income - Pension]; 1099-R - 2025 [Borrower - | Non-Primary Income - Pension]; Paystubs - 2025 [Borrower - | Non-Primary Income - VA Service Related Disability]; Other - 2025 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.270% | $0.00 | LP / LPA | Accept/Eligible | No | No | 6.875% | 0 | 1 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | 35.910% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 19.45 | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000105826 | XXXXX | N/A | No | No | $3,555.38 | $3,555.38 | 6.500% | No | No | US Citizen | 1 | $8,108.76 | $1,536.00 | $675.73 | $128.00 | 0.000% | 0.000% | 0.000% | XXXXX | 808 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.4 | No | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.89 | 0.53 | XXXXX | XXXXX | 75.630% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 83.06 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000107012 | XXXXX | N/A | No | No | $3,777.34 | $3,777.34 | 6.875% | No | No | US Citizen | 1 | $14,548.56 | $2,028.48 | $1,212.38 | $169.04 | 0.000% | 0.000% | 0.000% | XXXXX | 771 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | 1.0 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | XXXXX | 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 | 107.94 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000106697 | XXXXX | N/A | No | No | $2,992.78 | $2,992.78 | 8.375% | No | No | US Citizen | 1 | $10,099.08 | $1,923.72 | $841.59 | $160.31 | 0.000% | 0.000% | 0.000% | XXXXX | 713 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 3.0 | No | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.75 | 1.33 | XXXXX | XXXXX | 57.820% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 40.64 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000108970 | XXXXX | Exempt from ATR | N/A | Yes | No | No | $29,818.50 | $15,922.14 | 7.985% | $4,508.38 | $4,508.38 | 7.750% | No | No | Not Employed | Self-Employed | US Citizen | $60,665.44 | 1 | $11,955.24 | $1,626.96 | $996.27 | $135.58 | 6.645% | 6.645% | 6.645% | XXXXX | 751 | No | No | [Coborrower(s) - |
Primary Income - P&L Statement Only]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - P&L Statement Only]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - P&L Statement Only]; Other - 2025 [Coborrower(s) - | Primary Income - P&L Statement Only]; Other - 2025 [Coborrower(s) - | Primary Income - P&L Statement Only]; Other - 2025 [Coborrower(s) - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Coborrower(s) - | Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Coborrower(s) - | Primary Income - P&L Statement Only]; Third Party Verification - 2025 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $29,818.50 | 6.190% | $0.00 | 1.9 | None | Yes | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | 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 | 290.31 | No | Yes | $64,983.67 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000107948 | XXXXX | N/A | No | No | $8,656.04 | $10,366.38 | 7.600% | $1,800.40 | $1,800.40 | 7.250% | No | No | Self-Employed | Permanent Resident Alien | $64,479.09 | 1 | $3,576.00 | $1,991.16 | $298.00 | $165.93 | 13.454% | 13.454% | 13.454% | XXXXX | 764 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; 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]; 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]; 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: 24]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $8,656.04 | 6.250% | $3,500.00 | 1.7 | None | No | No | 7.250% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | XXXXX | XXXXX | 63.390% | 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 | 56.71 | No | No | $0.00 | $0.00 | No | No | No | No | 5 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000104561 | XXXXX | N/A | No | Yes | $0.00 | 6.745% | $648.60 | $648.60 | 6.750% | No | No | Employed | US Citizen | $13,692.48 | 1 | $2,414.76 | $789.96 | $201.23 | $65.83 | 43.086% | 43.086% | 43.086% | XXXXX | 702 | 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]; The Work Number - Income - 2005 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.190% | $0.00 | 1.3 | LP / LPA | Accept/Eligible | N/A | No | 6.750% | 1 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 89.640% | No | 18 | Yes | Short Form | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 86.58 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000107480 | XXXXX | Non QM | Yes | No | $3,476.00 | $8,414.74 | 6.911% | $2,578.18 | $2,578.18 | 6.750% | No | No | Employed | US Citizen | $7,800.85 | 1 | $6,750.00 | $2,069.64 | $562.50 | $172.47 | 35.530% | 35.530% | 35.530% | XXXXX | 788 | No | No | [Borrower - |
Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $3,476.00 | 6.270% | $0.00 | 1.0 | None | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 17.710% | No | 35 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 6.08 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101636 | XXXXX | N/A | No | No | $1,160.78 | $1,160.78 | 7.625% | No | No | US Citizen | 1 | $2,883.36 | $2,861.04 | $240.28 | $238.42 | 0.000% | 0.000% | 0.000% | XXXXX | 726 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.28 | 0.78 | XXXXX | XXXXX | 43.650% | 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 | 26.77 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000104318 | XXXXX | N/A | No | Yes | $0.00 | 7.074% | $960.05 | $960.05 | 7.125% | No | No | Employed | Employed | US Citizen | US Citizen | $9,570.31 | 2 | $1,803.96 | $2,832.96 | $150.33 | $236.08 | 31.646% | 31.646% | 31.646% | XXXXX | 703 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.260% | $0.00 | LP / LPA | Accept/Eligible | No | No | 7.125% | 1 | 2 | 1 | 0 | 2 | 1 | 0.00 | No | XXXXX | XXXXX | 52.170% | No | 20 | 10 | 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 | 30.79 | No | No | $0.00 | $4,258.88 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000106176 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $2,595.00 | $4,521.62 | 6.691% | $4,162.02 | $4,162.02 | 6.625% | No | No | Self-Employed | US Citizen | $63,596.66 | 1 | $13,717.68 | $5,362.20 | $1,143.14 | $446.85 | 43.680% | 43.680% | 43.680% | XXXXX | 778 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 1yr P&L w/o Bank Statements | 0 | 0 | 0 | XXXXX | $2,595.00 | 6.310% | $0.00 | 1.0 | None | N/A | No | 6.625% | 0 | 0 | 0 | 3 | 0 | 12.00 | No | XXXXX | 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 | 45.25 | No | No | $0.00 | $0.00 | No | No | No | No | 12 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000106197 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $39,095.00 | $12,821.48 | 7.061% | $9,978.53 | $9,978.53 | 6.999% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $30,033.12 | 1 | $32,992.32 | $27,821.04 | $2,749.36 | $2,318.42 | 37.476% | 37.476% | 37.476% | XXXXX | 764 | Yes | No | [Borrower - |
Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2025 [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2025 [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | XXXXX | $39,095.00 | 6.160% | $0.00 | 3.9 | None | No | No | 6.999% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 93.92 | No | $31,018.70 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000106222 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $25,230.63 | $10,392.06 | 7.477% | $5,957.07 | $5,957.07 | 7.375% | No | No | Self-Employed | Permanent Resident Alien | $27,611.23 | 1 | $5,361.12 | $1,847.40 | $446.76 | $153.95 | 25.023% | 25.023% | 25.023% | XXXXX | 738 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXXX | $25,230.63 | 6.170% | $8,626.00 | 4.4 | None | N/A | No | 7.375% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 53.270% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 48.34 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103907 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $8,420.00 | $8,858.74 | 7.183% | $1,708.01 | $1,708.01 | 6.875% | No | No | Employed | Employed | US Citizen | US Citizen | $7,638.42 | 1 | $911.04 | $1,616.04 | $75.92 | $134.67 | 46.255% | 46.255% | 46.255% | XXXXX | 734 | Yes | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Borrower - | Non-Primary Income - 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]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | XXXXX | $8,420.00 | 6.220% | $10,000.00 | 1.0 | None | N/A | No | 6.875% | 2 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | 60 | XXXXX | XXXXX | 48.630% | No | 32 | 32 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 47.42 | No | No | $0.00 | $8,434.13 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000106265 | XXXXX | N/A | Yes | No | No | $54,035.00 | $18,607.60 | 7.048% | $5,327.69 | $5,327.69 | 6.875% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $12,172.20 | 1 | $16,284.96 | $3,617.04 | $1,357.08 | $301.42 | 45.436% | 45.436% | 45.436% | XXXXX | 795 | No | Yes | 24 | Business | 100.000% | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2023 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXXX | $54,035.00 | 6.230% | $0.00 | 1.0 | None | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 45.570% | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 9.73 | No | No | $14,626.93 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103911 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $9,845.00 | $11,087.50 | 6.971% | $1,920.93 | $1,920.93 | 6.625% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $22,457.65 | 1 | $6,492.36 | $8,494.20 | $541.03 | $707.85 | 29.331% | 29.331% | 29.331% | XXXXX | 742 | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% | [Borrower - |
Primary Income - Shared Bank Statements]; Account Statements - Business -
2025 [Borrower - | Primary Income - Shared Bank Statements]; CPA Letter - 2025 [Borrower - | Primary Income - Shared Bank Statements]; Other - 2025 [Borrower - | Primary Income - Shared Bank Statements]; Other - 2025 [Borrower - | Primary Income - Shared Bank Statements]; Other - 2025 [Borrower - | Primary Income - Shared Bank Statements]; Other - 2025 [Borrower - | Primary Income - Shared Bank Statements]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXXX | $9,845.00 | 6.310% | $0.00 | 2.3 | None | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 23.170% | 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 | 31.12 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000106172 | XXXXX | N/A | No | No | $3,274.45 | $3,274.45 | 7.250% | No | No | US Citizen | 1 | $7,862.40 | $1,800.00 | $655.20 | $150.00 | 0.000% | 0.000% | 0.000% | XXXXX | 751 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.7 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.1 | 0.91 | XXXXX | XXXXX | 25.940% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 6.9 | Yes | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000106183 | XXXXX | N/A | No | No | $2,831.82 | $2,831.82 | 7.500% | No | No | US Citizen | 1 | $2,284.20 | $918.96 | $190.35 | $76.58 | 0.000% | 0.000% | 0.000% | XXXXX | 742 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.81 | 1.24 | XXXXX | XXXXX | 30.740% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 4 | Yes | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103925 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $6,270.00 | $10,018.47 | 7.085% | $1,074.52 | $1,074.52 | 6.500% | No | No | Non-Employment Income | US Citizen | $1,668.14 | 1 | $3,210.96 | $834.00 | $267.58 | $69.50 | 46.700% | 46.700% | 46.700% | XXXXX | 693 | Yes | No | [Borrower - |
Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | XXXXX | $6,270.00 | 6.310% | $0.00 | 4.4 | None | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 60 | XXXXX | XXXXX | 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 | 203.83 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103921 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $13,595.00 | $17,409.00 | 6.878% | $7,783.18 | $7,783.18 | 6.750% | No | No | Employed | Employed | US Citizen | US Citizen | $25,449.10 | 1 | $20,536.80 | $4,656.00 | $1,711.40 | $388.00 | 46.693% | 46.693% | 46.693% | XXXXX | 792 | No | No | [Borrower - |
Primary Income - Wages]; Other - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; Employer Letter - 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]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | XXXXX | $13,595.00 | 6.310% | $0.00 | 4.4 | None | N/A | No | 6.750% | 2 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 34.150% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 12.33 | No | No | $0.00 | $10,240.28 | No | No | No | No | 4 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000106179 | XXXXX | N/A | No | No | $4,531.25 | $4,531.25 | 7.250% | No | No | 0 | US Citizen | US Citizen | 1 | $15,004.08 | $1,383.12 | $1,250.34 | $115.26 | 0.000% | 0.000% | 0.000% | XXXXX | 817 | 766 | 795 | 764 | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.84 | 1.19 | 240 | XXXXX | No | Yes | Commitment | Fee Simple | Trust | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 123.83 | Yes | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 240 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103939 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $5,954.55 | $6,535.70 | 7.034% | $1,015.08 | $1,015.08 | 6.625% | No | No | Not Employed | Non-Employment Income | US Citizen | US Citizen | $2,298.23 | 1 | $891.84 | $929.16 | $74.32 | $77.43 | 38.217% | 38.217% | 38.217% | XXXXX | 794 | Yes | No | [Coborrower(s) - |
Primary Income - Asset Depletion]; Account Statements - 2025 [Coborrower(s) - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Coborrower(s) - | Non-Primary Income - Social Security]; 1099 Transcript - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | XXXXX | $5,954.55 | 6.310% | $0.00 | 1.0 | None | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | 60 | XXXXX | XXXXX | 90.490% | 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 | 103.33 | Yes | No | $3,719.82 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000106180 | XXXXX | N/A | No | No | $1,053.28 | $1,053.28 | 7.375% | No | No | US Citizen | 1 | $3,171.96 | $1,320.00 | $264.33 | $110.00 | 0.000% | 0.000% | 0.000% | XXXXX | 711 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.33 | 0.75 | XXXXX | 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 | 98.22 | Retail | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103936 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $17,082.50 | $17,587.84 | 7.411% | $4,173.69 | $4,173.69 | 7.125% | No | No | Not Employed | Non-Employment Income | US Citizen | US Citizen | $13,140.01 | 1 | $17,071.20 | $5,225.04 | $1,422.60 | $435.42 | 48.948% | 48.948% | 48.948% | XXXXX | 774 | Yes | No | [Coborrower(s) - |
Primary Income - Asset Depletion]; Account Statements - 2025 [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2025 [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | XXXXX | $17,082.50 | 6.160% | $10,000.00 | 1.0 | None | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | 60 | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 259.95 | Yes | No | $25,738.56 | $0.00 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000106190 | XXXXX | N/A | No | No | $4,161.28 | $4,161.28 | 7.250% | No | No | US Citizen | US Citizen | 1 | $3,266.28 | $783.00 | $272.19 | $65.25 | 0.000% | 0.000% | 0.000% | XXXXX | 756 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 999.0 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.9 | 1.12 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 33.61 | Yes | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000106194 | XXXXX | N/A | No | No | $1,957.05 | $1,957.05 | 7.625% | No | No | US Citizen | 1 | $4,605.48 | $1,407.96 | $383.79 | $117.33 | 0.000% | 0.000% | 0.000% | XXXXX | 765 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.1 | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.81 | 1.23 | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Risk Score Classic 04 | No | 12.21 | Yes | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000106261 | XXXXX | Non QM | Yes | No | $7,395.00 | $8,552.75 | 7.488% | $1,197.42 | $1,197.42 | 6.999% | No | No | Self-Employed | US Citizen | $4,887.17 | 1 | $7,527.12 | $2,775.00 | $627.26 | $231.25 | 44.217% | 44.217% | 44.217% | XXXXX | 743 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 |
Alternative Documentation (A) | 1yr P&L w/o Bank Statements | 0 | 0 | 0 | XXXXX | $7,395.00 | 6.230% | $156,068.92 | 1.0 | None | Yes | No | 6.999% | 0 | 0 | 0 | 3 | 0 | 12.00 | No | XXXXX | XXXXX | 2.410% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 3.11 | Retail | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000106594 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $19,195.00 | $1,620.21 | 7.352% | $6,077.94 | $6,077.94 | 7.375% | No | Yes | Self-Employed | Self-Employed | US Citizen | US Citizen | $15,357.43 | 1 | $5,804.64 | $2,703.36 | $483.72 | $225.28 | 34.360% | 34.360% | 34.360% | XXXXX | 812 | No | Yes | 24 | Business | 80.000% | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Coborrower(s) - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025 [Coborrower(s) - | Non-Primary Income - Pension]; 1099 Transcript - 2024 [Coborrower(s) - | Non-Primary Income - Pension]; 1099-R - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXXX | $19,195.00 | 6.170% | ($15,000.00) | 4.7 | None | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 26.810% | 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 | 21.96 | No | No | $16,159.67 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000106208 | XXXXX | N/A | No | No | $1,141.32 | $1,141.32 | 7.625% | No | No | US Citizen | 1 | $2,628.00 | $818.04 | $219.00 | $68.17 | 0.000% | 0.000% | 0.000% | XXXXX | 731 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.5 | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.68 | 0.6 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 103.95 | Yes | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000106580 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $13,545.00 | $9,294.55 | 7.301% | $6,821.76 | $6,821.76 | 7.250% | No | No | Self-Employed | US Citizen | $17,005.00 | 1 | $17,874.96 | $2,487.96 | $1,489.58 | $207.33 | 48.597% | 48.597% | 48.597% | XXXXX | 650 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 |
Alternative Documentation (A) | 2yr P&L w/o Bank Statements | 0 | 0 | 0 | XXXXX | $13,545.00 | 6.260% | $15,000.00 | 1.0 | None | N/A | No | 7.250% | 0 | 0 | 0 | 3 | 0 | 24.00 | No | XXXXX | XXXXX | 33.440% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Risk Score Classic 04 | 4.49 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000106212 | XXXXX | N/A | No | No | $2,485.38 | $2,485.38 | 7.750% | No | No | US Citizen | 1 | $3,102.84 | $2,541.00 | $258.57 | $211.75 | 0.000% | 0.000% | 0.000% | XXXXX | 709 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.9 | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.95 | 1.06 | XXXXX | XXXXX | 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 | 111.9 | Yes | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000106215 | XXXXX | N/A | No | No | $1,390.55 | $1,390.55 | 6.500% | No | No | Permanent Resident Alien | 1 | $6,562.56 | $1,797.00 | $546.88 | $149.75 | 0.000% | 0.000% | 0.000% | XXXXX | 735 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.7 | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.42 | 0.7 | XXXXX | XXXXX | 60.780% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | 134.1 | Yes | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000106229 | XXXXX | N/A | No | No | $4,943.24 | $4,943.24 | 7.750% | No | No | US Citizen | US Citizen | 1 | $3,114.12 | $1,853.04 | $259.51 | $154.42 | 0.000% | 0.000% | 0.000% | XXXXX | 816 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.04 | 0.97 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 19.41 | Yes | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103512 | XXXXX | N/A | No | No | $1,477.60 | $1,477.60 | 7.750% | No | No | US Citizen | 2 | $5,554.08 | $3,931.68 | $462.84 | $327.64 | 0.000% | 0.000% | 0.000% | XXXXX | 681 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.41 | 0.71 | XXXXX | XXXXX | 12.040% | 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 | 14.92 | Yes | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103489 | XXXXX | N/A | No | No | $1,510.64 | $1,510.64 | 6.500% | No | No | 0 | US Citizen | US Citizen | 1 | $2,284.92 | $2,358.48 | $190.41 | $196.54 | 0.000% | 0.000% | 0.000% | XXXXX | 778 | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.74 | 0.58 | XXXXX | XXXXX | 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 | 129.18 | Yes | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103503 | XXXXX | N/A | No | No | $1,195.61 | $1,195.61 | 6.875% | No | No | US Citizen | 1 | $6,882.84 | $1,992.00 | $573.57 | $166.00 | 0.000% | 0.000% | 0.000% | XXXXX | 691 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.4 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.24 | 0.81 | XXXXX | XXXXX | 17.830% | 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 | 74.83 | Yes | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103514 | XXXXX | N/A | No | No | $2,200.71 | $2,200.71 | 6.875% | No | No | US Citizen | 1 | $6,668.28 | $1,260.00 | $555.69 | $105.00 | 0.000% | 0.000% | 0.000% | XXXXX | 710 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.4 | 0.72 | XXXXX | XXXXX | 5.220% | 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 | 83.35 | Yes | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103495 | XXXXX | N/A | No | No | $1,430.18 | $1,430.18 | 7.250% | No | No | US Citizen | 1 | $2,911.20 | $1,794.00 | $242.60 | $149.50 | 0.000% | 0.000% | 0.000% | XXXXX | 762 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.1 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.07 | 0.93 | XXXXX | No | Yes | Short Form | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 52.8 | Yes | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103493 | XXXXX | N/A | No | No | $2,256.48 | $2,256.48 | 6.500% | No | No | US Citizen | 1 | $7,576.68 | $6,441.00 | $631.39 | $536.75 | 0.000% | 0.000% | 0.000% | XXXXX | 738 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.7 | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.84 | 0.54 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 36.31 | Yes | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103510 | XXXXX | N/A | No | No | $2,441.54 | $2,441.54 | 7.375% | No | No | US Citizen | 1 | $8,377.80 | $2,764.68 | $698.15 | $230.39 | 0.000% | 0.000% | 0.000% | XXXXX | 784 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.04 | 0.97 | XXXXX | 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 | 96.33 | Yes | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103508 | XXXXX | N/A | No | No | $3,196.79 | $3,196.79 | 7.125% | No | No | US Citizen | 1 | $2,438.88 | $1,875.96 | $203.24 | $156.33 | 0.000% | 0.000% | 0.000% | XXXXX | 764 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | XXXXX | No | Yes | Commitment | Fee Simple | Trust | Business Entity | Individual | Trustee | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 57.86 | Yes | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103497 | XXXXX | N/A | No | No | $1,621.50 | $1,621.50 | 6.750% | No | No | US Citizen | 1 | $2,113.92 | $240.96 | $176.16 | $20.08 | 0.000% | 0.000% | 0.000% | XXXXX | 728 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.46 | 0.69 | XXXXX | 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 | 102.89 | Yes | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000106230 | XXXXX | N/A | No | No | $1,551.37 | $1,551.37 | 8.250% | No | No | US Citizen | 1 | $4,094.04 | $1,583.88 | $341.17 | $131.99 | 0.000% | 0.000% | 0.000% | XXXXX | 742 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.9 | 1.11 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 81.97 | Yes | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000106247 | XXXXX | N/A | No | No | $2,479.28 | $2,479.28 | 7.125% | No | No | Permanent Resident Alien | 1 | $5,503.20 | $1,085.04 | $458.60 | $90.42 | 0.000% | 0.000% | 0.000% | XXXXX | 799 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.43 | 0.7 | XXXXX | XXXXX | 29.950% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 25.26 | Yes | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000106251 | XXXXX | N/A | No | No | $1,811.95 | $1,811.95 | 7.625% | No | No | Non-Permanent Resident Alien | 1 | $7,706.40 | $2,240.88 | $642.20 | $186.74 | 0.000% | 0.000% | 0.000% | XXXXX | 723 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.08 | 0.93 | XXXXX | XXXXX | 36.390% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 41.91 | Yes | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000106243 | XXXXX | N/A | No | No | $2,583.06 | $2,583.06 | 7.875% | No | No | US Citizen | 1 | $10,074.96 | $2,919.00 | $839.58 | $243.25 | 0.000% | 0.000% | 0.000% | XXXXX | 706 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 4.1 | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.95 | 1.05 | XXXXX | XXXXX | 15.780% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 304.51 | Yes | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000106262 | XXXXX | N/A | No | No | $3,745.87 | $3,745.87 | 7.125% | No | No | Non-Permanent Resident Alien | 1 | $8,277.48 | $3,372.00 | $689.79 | $281.00 | 0.000% | 0.000% | 0.000% | XXXXX | 757 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.2 | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.87 | 1.15 | XXXXX | XXXXX | 32.740% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 10.45 | Yes | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000106240 | XXXXX | N/A | No | No | $1,347.44 | $1,347.44 | 7.125% | No | No | US Citizen | 1 | $6,059.28 | $1,466.28 | $504.94 | $122.19 | 0.000% | 0.000% | 0.000% | XXXXX | 802 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.6 | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.89 | 1.13 | XXXXX | XXXXX | 9.920% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 63.01 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103753 | XXXXX | N/A | No | No | $1,125.59 | $1,125.59 | 7.250% | No | No | US Citizen | 1 | $1,860.36 | $2,676.96 | $155.03 | $223.08 | 0.000% | 0.000% | 0.000% | XXXXX | 713 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.03 | 0.97 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 13.86 | Yes | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103718 | XXXXX | N/A | No | No | $3,725.32 | $3,725.32 | 6.999% | No | No | US Citizen | 1 | $16,929.60 | $1,718.04 | $1,410.80 | $143.17 | 0.000% | 0.000% | 0.000% | XXXXX | 745 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 6.999% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.93 | 1.08 | XXXXX | XXXXX | 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 | 47.56 | Yes | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103725 | XXXXX | N/A | No | No | $3,415.35 | $3,415.35 | 7.999% | No | No | 0 | Permanent Resident Alien | 1 | $3,583.92 | $3,746.04 | $298.66 | $312.17 | 0.000% | 0.000% | 0.000% | XXXXX | 726 | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 7.999% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.52 | 1.92 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | 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 | 5.5 | Yes | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103743 | XXXXX | N/A | No | No | $1,478.09 | $1,478.09 | 6.875% | No | No | US Citizen | 1 | $3,019.44 | $1,446.00 | $251.62 | $120.50 | 0.000% | 0.000% | 0.000% | XXXXX | 777 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.27 | 0.79 | XXXXX | No | Yes | Final | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 24.38 | Yes | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103754 | XXXXX | N/A | No | No | $2,055.69 | $2,055.69 | 7.500% | No | No | US Citizen | 1 | $4,356.00 | $2,143.44 | $363.00 | $178.62 | 0.000% | 0.000% | 0.000% | XXXXX | 724 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.87 | 1.15 | XXXXX | XXXXX | 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 | 15.67 | Yes | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103732 | XXXXX | N/A | No | No | $3,334.91 | $3,334.91 | 7.125% | No | No | US Citizen | 1 | $8,074.20 | $5,875.80 | $672.85 | $489.65 | 0.000% | 0.000% | 0.000% | XXXXX | 725 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 40.26 | Yes | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103722 | XXXXX | N/A | No | No | $2,420.00 | $2,420.00 | 7.125% | No | No | US Citizen | US Citizen | 1 | $10,554.60 | $3,146.28 | $879.55 | $262.19 | 0.000% | 0.000% | 0.000% | XXXXX | 791 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | XXXXX | XXXXX | 30.630% | 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 | 5.35 | Yes | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103904 | XXXXX | N/A | No | No | $1,065.23 | $1,065.23 | 7.625% | No | No | US Citizen | 1 | $339.00 | $2,964.12 | $28.25 | $247.01 | 0.000% | 0.000% | 0.000% | XXXXX | 752 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.2 | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.04 | 0.96 | XXXXX | 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 | 103.48 | Yes | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103721 | XXXXX | N/A | No | No | $1,896.70 | $1,896.70 | 7.750% | No | No | US Citizen | 1 | $1,549.68 | $1,172.04 | $129.14 | $97.67 | 0.000% | 0.000% | 0.000% | XXXXX | 723 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.18 | 0.85 | XXXXX | 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 | 15.08 | Yes | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103736 | XXXXX | N/A | No | No | $1,036.01 | $1,036.01 | 7.375% | No | No | US Citizen | 1 | $7,269.24 | $1,542.00 | $605.77 | $128.50 | 0.000% | 0.000% | 0.000% | XXXXX | 733 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.67 | 0.6 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 90.83 | Yes | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103507 | XXXXX | N/A | No | No | $2,660.94 | $2,660.94 | 6.999% | No | No | US Citizen | 1 | $7,625.04 | $1,070.04 | $635.42 | $89.17 | 0.000% | 0.000% | 0.000% | XXXXX | 690 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 6.999% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.05 | 0.95 | XXXXX | XXXXX | 40.330% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 16.05 | Yes | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103740 | XXXXX | N/A | No | No | $1,486.37 | $1,486.37 | 7.625% | No | No | US Citizen | 3 | $2,282.76 | $1,602.00 | $190.23 | $133.50 | 0.000% | 0.000% | 0.000% | XXXXX | 748 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.35 | 0.74 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | No | 108.87 | Yes | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103919 | XXXXX | N/A | No | No | $1,111.64 | $1,111.64 | 7.125% | No | No | Non-Permanent Resident Alien | 2 | $3,272.52 | $1,805.04 | $272.71 | $150.42 | 0.000% | 0.000% | 0.000% | XXXXX | 680 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.82 | 0.55 | XXXXX | XXXXX | 25.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 6.53 | Yes | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103940 | XXXXX | N/A | No | No | $5,766.85 | $5,766.85 | 8.500% | No | No | US Citizen | 2 | $9,171.36 | $2,703.00 | $764.28 | $225.25 | 0.000% | 0.000% | 0.000% | XXXXX | 788 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 8.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 69.22 | Yes | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103504 | XXXXX | N/A | No | No | $1,642.32 | $1,642.32 | 6.875% | No | No | Permanent Resident Alien | 1 | $6,657.96 | $1,335.12 | $554.83 | $111.26 | 0.000% | 0.000% | 0.000% | XXXXX | 704 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.96 | 1.04 | XXXXX | XXXXX | 65.110% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 32.64 | Yes | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103922 | XXXXX | N/A | No | No | $5,423.30 | $5,423.30 | 7.250% | No | No | US Citizen | 2 | $5,499.84 | $1,340.04 | $458.32 | $111.67 | 0.000% | 0.000% | 0.000% | XXXXX | 720 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.25 | 0.8 | XXXXX | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 11.38 | Yes | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103499 | XXXXX | N/A | No | No | $2,956.18 | $2,956.18 | 6.875% | No | No | US Citizen | 1 | $9,178.68 | $3,946.20 | $764.89 | $328.85 | 0.000% | 0.000% | 0.000% | XXXXX | 707 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | 1.0 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.19 | 0.84 | XXXXX | XXXXX | 100.000% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 235.55 | Yes | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000106276 | XXXXX | N/A | No | No | $1,995.71 | $1,995.71 | 6.999% | No | No | 0 | US Citizen | 1 | $1,926.12 | $2,054.04 | $160.51 | $171.17 | 0.000% | 0.000% | 0.000% | XXXXX | 792 | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 3.6 | N/A | No | 6.999% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.34 | 0.74 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | LLC | Business Entity | Yes | Business Entity | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 35.46 | Yes | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000106272 | XXXXX | N/A | No | No | $1,746.24 | $1,746.24 | 6.999% | No | No | US Citizen | 1 | $3,282.36 | $1,478.04 | $273.53 | $123.17 | 0.000% | 0.000% | 0.000% | XXXXX | 783 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 6.999% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.05 | 0.95 | XXXXX | XXXXX | 5.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 3.27 | Yes | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000106244 | XXXXX | N/A | No | No | $3,096.60 | $3,096.60 | 7.625% | No | No | US Citizen | 1 | $6,417.60 | $1,995.00 | $534.80 | $166.25 | 0.000% | 0.000% | 0.000% | XXXXX | 731 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.6 | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.79 | 1.27 | XXXXX | 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 | 29.01 | Yes | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000106579 | XXXXX | N/A | No | No | $3,088.95 | $3,088.95 | 6.750% | No | No | US Citizen | 1 | $8,062.56 | $1,392.96 | $671.88 | $116.08 | 0.000% | 0.000% | 0.000% | XXXXX | 793 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.8 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.42 | 0.7 | XXXXX | XXXXX | 70.260% | 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 | 72.94 | Yes | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103750 | XXXXX | N/A | No | No | $2,990.84 | $2,990.84 | 6.990% | No | No | US Citizen | 2 | $11,244.84 | $2,286.96 | $937.07 | $190.58 | 0.000% | 0.000% | 0.000% | XXXXX | 787 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.17 | 0.86 | XXXXX | No | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 55.61 | Yes | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000106258 | XXXXX | N/A | No | No | $2,144.72 | $2,144.72 | 6.999% | No | No | US Citizen | US Citizen | 1 | $6,335.04 | $1,205.88 | $527.92 | $100.49 | 0.000% | 0.000% | 0.000% | XXXXX | 773 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.6 | N/A | No | 6.999% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.39 | 0.72 | XXXXX | XXXXX | 28.530% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 7.09 | Yes | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 |