Exhibit 99.02 Schedule 1
| Loan ID | Seller Loan ID | Investor Loan ID | Loan Program | Guideline Product Name | Originator Name | Originating Entity CDFI Flag | Guideline Name | Guideline Author | Guideline Date | Guideline Version | Application Date | TILA Status | TRID | GSE | Verified Safe Harbor Flag | Verified Safe Harbor Reference Document | QM Regulation Failures | ATR QM Total Points and Fees Audit | Loan Regulation Benchmark Date | Benchmark Rate | DU | Rating Result | Property Inspection Waiver (PIW) | Calculated APR | HUD 1 Page 1 Credits Total | Verified Qualifying Rate | Originator Qualifying Rate | Qualifying P&I | Default Interest Rate Present | Default Interest Rate | Annual Property Tax | Monthly Property Tax | Annual Insurance Costs | Monthly Insurance Cost | Annual HOA Costs | Monthly HOA Costs | Monthly Other Costs | PITIA | Residual Income | HOA Name | HOA Address State | HOA Fee Amount | HOA Next Due Date | HOA Payment Frequency | Originator DTI | TPR Verified DTI | QM DTI | Is Borrower Non Occupant | Is Co Borrower Non Occupant | Co Borrower 2 Asset Verification Level | Co Borrower 3 Asset Verification Level | Co Borrower 2 Income Verification Level | Co Borrower 3 Income Verification Level | Co Borrower 2 Employment Verification Level | Co Borrower 3 Employment Verification Level | Borrower Employment Indicator | Co Borrower Employment Indicator | Co Borrower 2 Employment Indicator | Co Borrower 3 Employment Indicator | Co Borrower 2 Length of Employment | Co Borrower 3 Length of Employment | Document Level | Borrower Years of W2s/1099 | CoBorrower Years of W2s/1099 | Borrower Months of Paystubs Verified | Co Borrower Months of Paystubs Verified | Borrower Employment Gap Letter | Borrower Months of Employment Gap | Co Borrower Employment Gap Letter | Co Borrower Months of Employment Gap | Borrower Years of Personal Tax Returns | Borrower Years of Business Tax Returns | CoBorrower Years of Personal Tax Returns | CoBorrower Years of Business Tax Returns | Years of 4506T | Years of Tax Transcripts | Borrower Award/Offer Letter | Co Borrower Award/Offer Letter | Asset Depletion Flag | Partial Asset Depletion Flag | Asset Depletion Months Amortized | Asset Utilization Flag (No DTI) | Borrower Bank Statements Flag | Borrower Bank Statement Summary/Lender Worksheet | Borrower Number of Personal Bank Statements | Borrower Number of Business Bank Statements | CoBorrower Bank Statements Flag | Co Borrower Bank Statement Summary/Lender Worksheet | CoBorrower Number of Personal Bank Statements | CoBorrower Number of Business Bank Statements | Percent of Income From Statements | Borrower Business Ownership % | CoBorrower Business Ownership % | Bespoke Eligible Assets | Borrower P&L Type | Borrower Number of Months P&L | Borrower P&L Prepared By | CoBorrower P&L Type | CoBorrower P&L Prepared By | CoBorrower Number of Months P&L | Borrower CPA Letter Flag | # of Months CPA verified income | CoBorrower CPA Letter Flag | CoBorrower # of Months CPA verified income | Borrower WVOE Flag | Borrower # of Months Employment Validated WVOE | Borrower # of Months Income Validated WVOE | Borrower WVOE Form Type | CoBorrower WVOE Flag | CoBorrower # of Months WVOE | CoBorrower # of Months Income Validated WVOE | CoBorrower WVOE Form Type | DSCR Flag | TPR DSCR | Originator DSCR | Expense Letter | Income Doc Detail | Tax Return Doc Details | Property Address | Property City | Property State | Property Zip | Property County | Original Credit Report Date | Borrower 1 Credit Report Date | Borrower 2 Credit Report Date | Borrower 3 Credit Report Date | Borrower 4 Credit Report Date | Qualifying Credit Score | Third Wage Earner Original FICO Equifax | Third Wage Earner Original FICO Experian | Third Wage Earner Original FICO Transunion | Fourth Wage Earner Original FICO Equifax | Fourth Wage Earner Original FICO Experian | Fourth Wage Earner Original FICO Transunion | Most Recent Updated Credit Report Date | 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 | 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 | Is Equity Shared Loan | Subordinate Lien Type | Is Shared Appreciation Mortgage | Borrower Originator Citizenship Designation | Borrower Verified Citizenship Designation | Borrower Individual Tax Identification Number (ITIN)? | Borrower Photo Identification Type | Borrower Photo Identification Other Type | Borrower Photo ID State of Issuance | Borrower Photo ID Country of Issuance | Borrower Photo ID Expiration Date | Borrower Passport Country of Origin | Borrower Passport Expiration Date | Borrower Non-US Citizen Identification Document | Borrower Date of Resident Since/Valid Date | Borrower Non-US Document Expiration Date | Co Borrower Originator Citizenship Designation | Co Borrower Verified Citizenship Designation | Co Borrower Individual Tax Identification Number (ITIN)? | Co Borrower Photo Identification Type | Co Borrower Photo Identification Other Type | Co Borrower Photo ID State of Issuance | Co Borrower Photo ID Country of Issuance | Co Borrower Photo ID Expiration Date | Co Borrower Passport Country of Origin | Co Borrower Passport Expiration Date | Co Borrower Non-US Citizen Identification Document | Co Borrower Date of Resident Since/Valid Date | Co Borrower Non-US Document Expiration Date | Co Borrower 2 Originator Citizenship Designation | Co Borrower 2 Verified Citizenship Designation | Co Borrower 2 Individual Tax Identification Number (ITIN)? | Co Borrower 2 Photo Identification Type | Co Borrower 2 Photo Identification Other Type | Co Borrower 2 Photo ID State of Issuance | Co Borrower 2 Photo ID Country of Issuance | Co Borrower 2 Photo ID Expiration Date | Co Borrower 2 Passport Country of Origin | Co Borrower 2 Passport Expiration Date | Co Borrower 2 Non-US Citizen Identification Document | Co Borrower 2 Date of Resident Since/Valid Date | Co Borrower 2 Non-US Document Expiration Date | Co Borrower 3 Originator Citizenship Designation | Co Borrower 3 Verified Citizenship Designation | Co Borrower 3 Individual Tax Identification Number (ITIN)? | Co Borrower 3 Photo Identification Type | Co Borrower 3 Photo Identification Other Type | Co Borrower 3 Photo ID State of Issuance | Co Borrower 3 Photo ID Country of Issuance | Co Borrower 3 Photo ID Expiration Date | Co Borrower 3 Passport Country of Origin | Co Borrower 3 Passport Expiration Date | Co Borrower 3 Non-US Citizen Identification Document | Co Borrower 3 Date of Resident Since/Valid Date | Co Borrower 3 Non-US Document Expiration Date | Property Rights | Buydown Flag | Assumable Mortgage Flag | Foreign National Alternative Credit Documentation | Liquid / Cash Reserves | Months Liquid Reserves | Total Assets Available for Reserves | Months Reserves | Blanket Mortgage Flag | Qualifying HCLTV | Condo Warrantability Flag | Appraiser License # | Appraiser First Name | Appraisal Last Name | Maturity Date | Number of Units |
| 4000076530 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 9395 | xxx | 6.740% | No AUS | No | 7.333% | 6.990% | $2,459.13 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $2,706.38 | $5,343.28 | $0.00 | 0.00% | 48.30% | 48.30% | No | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | 0.00% | 100.00% | Audited | 12 | Tax Preparer | Yes | 60 | No | NA | 0 | 0 | N/A | 0 | No | 0 | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 803 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | 131.21 | No | 33.76 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000080225 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 1870 | xxx | 6.930% | No AUS | No | 7.935% | 7.625% | $2,017.21 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $2,750.31 | $48,428.38 | $0.00 | 0.00% | 5.76% | 5.76% | No | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 2 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 100.00% | 100.00% | N/A | 0 | N/A | Yes | 60 | No | NA | 0 | 0 | N/A | 0 | No | 0 | Borrower - SESoleProprietor - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 730 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 9.47 | xxx | 9.47 | No | 74.03 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000077721 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 6606 | xxx | 6.160% | No AUS | No | 6.953% | 6.625% | $3,072.98 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $3,821.56 | $26,504.98 | xxx | xxx | xxx | xxx | Monthly | 0.00% | 20.12% | 20.12% | Yes | Yes | Employed | Employed | 2YR Full Doc | 2 | 2 | Less than 1 Month | Less than 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 11 | 15 | Work Number | No | 0 | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, Less than 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified || Co Borrower - Wage - 2 YRS W2 1099 Verified, Less than 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified || Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 786 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx | N/A | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 82.88 | xxx | 82.88 | No | 29.29 | Yes | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000083034 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 7.500% | $931.70 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $1,342.28 | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0.00% | 0 | 0 | No | 0 | 0 | 0 | Yes | 0.894 | 0.894 | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 719 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 35.44 | xxx | 82.42 | No | 65.0 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000086073 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 7.250% | $1,091.48 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $1,321.03 | $15,300.97 | $0.00 | 0.00% | 27.10% | 27.10% | Yes | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 1 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 100.00% | 100.00% | N/A | 0 | N/A | Yes | 42 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, 1 YR Executed 4506T Verified, Business Bank Statements Verified | Borrower - 1 YR Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 797 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 27.74 | xxx | 27.74 | No | 44.44 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000089245 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 6.750% | $1,997.68 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $3,069.03 | $6,650.60 | xxx | xxx | xxx | xxx | Monthly | 0.00% | 20.07% | 20.07% | Yes | Employed | Written Verification of Employment | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | 0.00% | 0.00% | Proceeds from Sale | N/A | 0 | N/A | NA | 0 | No | Yes | 32 | 32 | FNMA 1005 | 0 | No | 0 | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - Written VOE Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 809 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 24.62 | xxx | 24.62 | No | 41.34 | Yes | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000087843 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 2165 | xxx | 6.750% | No AUS | No | 6.909% | 6.875% | $5,542.83 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $6,914.63 | $14,371.84 | $0.00 | 0.00% | 35.92% | 35.92% | No | Not Employed | Asset Depletion – Debt Ratio Calculation | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | Yes | No | 84.0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | Stocks/Bonds | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | Borrower - Asset Depletion, Other REO Net Rental Income(Loss) | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 806 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 389.25 | xxx | 389.25 | No | 75.0 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000089784 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 1820 | xxx | 6.750% | No AUS | No | 6.776% | 6.750% | $5,661.03 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $7,736.12 | $14,775.62 | xxx | xxx | xxx | xxx | Monthly | 0.00% | 46.24% | 46.24% | No | No | Not Employed | Not Employed | Asset Depletion – Total Asset Calculation | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | Yes | No | 120.0 | No | Yes | Yes | 7 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - Asset Depletion, Other REO Net Rental Income(Loss) - 2 YRS Executed 4506T Verified, Personal Bank Statements Verified || Co Borrower - 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified || Co Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 774 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx | N/A | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 426.45 | xxx | 426.45 | No | 70.0 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000085256 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 7.750% | $1,576.11 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $1,919.51 | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0.00% | 0 | 0 | No | 0 | 0 | 0 | Yes | 1.249 | 1.23 | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 761 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | 53.43 | No | 50.57 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000089350 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 8.125% | $5,847.16 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $6,181.95 | $62,308.59 | $0.00 | 0.00% | 26.13% | 26.13% | Yes | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | 0.00% | 100.00% | Audited | 12 | Tax Preparer | Yes | 24 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 802 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | 123.21 | No | 75.0 | N/A | xxx | xxx | xxx | xxx | 2 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000089739 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 6.750% | $1,913.36 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $2,557.27 | $0.00 | xxx | xxx | xxx | xxx | Annually | 0.00% | 0.00% | 0.00% | Yes | Yes | Unknown | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0 | 0 | 0.00% | 0.00% | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | 0 | Yes | 1.922 | 1.92 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 701 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Missing | xxx | N/A | US Citizen | US Citizen | N/A | Missing | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | 110.54 | No | 49.17 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000092128 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 7.249% | $1,381.84 | Yes | 18.000% | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $2,232.73 | $0.00 | xxx | xxx | xxx | xxx | Annually | 0.00% | 0.00% | 0.00% | Unknown | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0.00% | 0 | 0 | No | 0 | 0 | 0 | Yes | 1.023 | 1.049 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 733 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 126.47 | xxx | 130.37 | No | 75.0 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000087960 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 7.000% | $2,739.38 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $3,551.49 | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0.00% | 0 | 0 | No | 0 | 0 | 0 | Yes | 1.112 | 1.11 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 790 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 14.50 | xxx | 14.5 | No | 75.0 | N/A | xxx | xxx | xxx | xxx | 4 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000088776 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 7015 | xxx | 6.480% | No AUS | No | 7.638% | 8.375% | $7,752.73 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $10,184.26 | $15,512.48 | $0.00 | 0.00% | 44.86% | 40.85% | No | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 0.00% | 100.00% | N/A | 0 | N/A | Yes | 12 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 704 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | Yes | N/A | xxx | 48.79 | xxx | 20.39 | No | 67.11 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000089359 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 6.875% | $3,468.58 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $3,994.17 | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Yes | Unknown | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0 | 0 | 0.00% | 0.00% | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | 0 | Yes | 1.001 | 1.001 | Yes | Borrower - N/A, N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 736 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 9.07 | xxx | 9.07 | No | 80.0 | N/A | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000092548 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 12685 | xxx | 6.740% | No AUS | No | 8.346% | 9.375% | $8,317.49 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $10,321.57 | $25,619.44 | xxx | xxx | xxx | xxx | Monthly | 0.00% | 45.74% | 41.35% | No | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 0.00% | 100.00% | N/A | 0 | N/A | Yes | 24 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 765 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | Permanent Resident Alien | Permanent Resident Alien | N/A | Standard Driver's License - Not for federal use | xxx | xxx | xxx | I-551 Permanent Resident Card | xxx | Fee Simple | No | No | N/A | xxx | 6.23 | xxx | 6.65 | No | 80.0 | Yes | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000087955 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 1670 | xxx | 6.570% | No AUS | No | 6.640% | 6.625% | $15,051.48 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $18,474.58 | $73,742.75 | $0.00 | 0.00% | 26.10% | 21.84% | Yes | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 0.00% | 100.00% | N/A | 0 | N/A | Yes | 366 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESCorp - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 775 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 68.01 | xxx | 68.01 | No | 19.99 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000094069 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 9390 | xxx | 6.630% | No AUS | No | 6.966% | 6.875% | $1,773.71 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $2,430.08 | $3,431.79 | xxx | xxx | xxx | xxx | Monthly | 0.00% | 42.65% | 42.65% | No | Employed | Written Verification of Employment | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 30 | 30 | FNMA 1005 | 0 | No | 0 | N/A | Borrower - Wage - Written VOE Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 709 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | Permanent Resident Alien | N/A | Other | USA Patriot Act | xxx | xxx | xxx | I-151 Permanent Resident Card | xxx | Fee Simple | No | No | N/A | xxx | 7.22 | xxx | 7.22 | No | 49.09 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000092861 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 4400 | xxx | 6.630% | No AUS | No | 6.702% | 6.625% | $4,238.86 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $5,772.71 | $8,491.01 | $0.00 | 0.00% | 41.44% | 41.44% | No | No | Employed | Employed | Written Verification of Employment | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 30 | 30 | FNMA 1005 | Yes | 349 | 31 | FNMA 1005 | No | 0 | N/A | Borrower - Wage, Overtime and Bonus - Written VOE Verified || Co Borrower - Wage - Written VOE Verified | Borrower || Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 807 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | Permanent Resident Alien | Permanent Resident Alien | N/A | Other | USA Patriot Act | xxx | xxx | xxx | I-151 Permanent Resident Card | xxx | Permanent Resident Alien | Permanent Resident Alien | N/A | Other | USA Patriot Act | xxx | xxx | xxx | I-151 Permanent Resident Card | xxx | Fee Simple | No | No | N/A | .00 | .00 | .00 | 0 | No | 46.29 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000090382 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 3981.25 | xxx | 6.610% | No AUS | No | 7.097% | 6.750% | $1,245.31 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $1,551.59 | $1,711.10 | $0.00 | 0.00% | 49.77% | 49.77% | No | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 100.00% | 100.00% | N/A | 0 | N/A | Yes | 36 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 761 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 66.44 | xxx | 66.44 | No | 80.0 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000088648 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 6.875% | $886.85 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $1,205.21 | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0.00% | 0 | 0 | No | 0 | 0 | 0 | Yes | 1.216 | 1.216 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 801 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 212.36 | xxx | 212.36 | No | 57.45 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000093060 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 6.625% | $5,122.49 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $6,299.69 | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0.00% | 0 | 0 | No | 0 | 0 | 0 | Yes | 1.0 | 1.0 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 821 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 32.54 | xxx | 32.54 | No | 50.0 | N/A | xxx | xxx | xxx | xxx | 3 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000092893 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 14557.5 | xxx | 6.570% | No AUS | No | 6.866% | 6.625% | $4,706.28 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $5,949.28 | $6,636.72 | $0.00 | 0.00% | 47.54% | 47.54% | No | Employed | Written Verification of Employment | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 26 | 26 | FNMA 1005 | 0 | No | 0 | N/A | Borrower - Wage, Other REO Net Rental Income(Loss) - Written VOE Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 807 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 6.83 | xxx | 6.83 | No | 70.0 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000091237 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 6.750% | $4,332.64 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $6,026.72 | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0.00% | Stocks/Bonds,Proceeds from Sale | 0 | 0 | No | 0 | 0 | 0 | Yes | 1.46 | 1.46 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 785 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 30.87 | xxx | 30.87 | No | 45.75 | N/A | xxx | xxx | xxx | xxx | 2 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000094458 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 10815.63 | xxx | 6.540% | No AUS | No | 7.117% | 6.625% | $1,776.86 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $2,551.12 | $4,130.88 | xxx | xxx | xxx | xxx | Monthly | 0.00% | 44.92% | 44.92% | No | Employed | Written Verification of Employment | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 35 | 31 | FNMA 1005 | 0 | No | 0 | N/A | Borrower - Wage - Written VOE Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 732 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | .81 | xxx | 0.81 | No | 75.0 | Yes | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000094133 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 13681.25 | xxx | 6.570% | No AUS | No | 6.918% | 6.875% | $3,383.18 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $4,421.03 | $14,288.18 | $0.00 | 0.00% | 35.22% | 35.22% | No | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | Audited | 20 | CPA | Yes | 85 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 794 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | 115.63 | No | 20.6 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000094135 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 2750 | xxx | 6.760% | No AUS | No | 9.195% | 9.375% | $2,495.25 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $3,104.72 | $5,952.31 | $0.00 | 0.00% | 47.57% | 42.77% | No | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | Third-Party Prepared (Unaudited) | 19 | CPA | Yes | 24 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 803 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx | N/A | Fee Simple | No | Yes | N/A | xxx | 6.45 | xxx | 6.45 | No | 68.34 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000092909 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 15335 | xxx | 6.570% | No AUS | No | 7.124% | 6.875% | $4,545.94 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $5,918.25 | $14,489.12 | $0.00 | 0.00% | 29.32% | 29.32% | No | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | Audited | 20 | CPA | Yes | 24 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SECorporation - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 763 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | Non Permanent Resident Alien | Non-Permanent Resident Alien | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 3.90 | xxx | 7.62 | No | 80.0 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000089405 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 6.875% | $1,865.68 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $2,213.70 | $0.00 | xxx | xxx | xxx | xxx | Annually | 0.00% | 0.00% | 0.00% | Yes | Yes | Unknown | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0 | 0 | 0.00% | 0.00% | 0.00% | Proceeds from Sale | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | 0 | Yes | 1.129 | 1.02 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified || Co Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 744 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 58.25 | xxx | 58.25 | No | 73.96 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000094994 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 10090 | xxx | 6.540% | No AUS | No | 6.697% | 6.625% | $3,009.46 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $4,336.19 | $8,648.81 | xxx | xxx | xxx | xxx | Monthly | 0.00% | 37.55% | 37.55% | No | Employed | Written Verification of Employment | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 73 | 32 | FNMA 1005 | 0 | No | 0 | N/A | Borrower - Wage - Written VOE Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 811 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 6.78 | xxx | 6.78 | No | 65.28 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000094497 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 9645 | xxx | 6.630% | No AUS | No | 7.046% | 7.000% | $16,632.56 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $21,996.16 | $42,234.97 | xxx | xxx | xxx | xxx | Monthly | 0.00% | 43.43% | 43.43% | No | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 2 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | Third-Party Prepared (Unaudited) | 19 | CPA | Yes | 60 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 713 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | 14 | No | 60.98 | Yes | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000094429 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 14201.26 | xxx | 6.540% | No AUS | No | 6.639% | 6.375% | $4,398.29 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $5,804.58 | $19,633.10 | $0.00 | 0.00% | 41.09% | 41.09% | No | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | Audited | 20 | Tax Preparer | Yes | 24 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 771 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 48.34 | xxx | 48.34 | No | 58.51 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000094460 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 11198.8 | xxx | 6.630% | No AUS | No | 6.829% | 6.625% | $3,841.35 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $4,814.92 | $10,307.94 | $0.00 | 0.00% | 35.08% | 35.08% | No | No | Employed | Employed | Written Verification of Employment | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 204 | 31 | FNMA 1005 | Yes | 96 | 31 | FNMA 1005 | No | 0 | N/A | Borrower - Wage, Other REO Net Rental Income(Loss) - Written VOE Verified || Co Borrower - Wage - Written VOE Verified | Borrower || Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 796 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx | N/A | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 9.36 | xxx | 9.36 | No | 80.0 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000091398 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 12253 | xxx | 6.630% | No AUS | No | 6.831% | 6.625% | $4,753.67 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $5,966.27 | $7,091.48 | $0.00 | 0.00% | 45.94% | 45.94% | No | Employed | Written Verification of Employment | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 34 | 32 | FNMA 1005 | 0 | No | 0 | N/A | Borrower - Wage, Commission - Written VOE Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 758 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | Non Permanent Resident Alien | Non-Permanent Resident Alien | N/A | Standard Driver's License - Not for federal use | xxx | xxx | xxx | Employment Authorization Document (I-821D) | xxx | Fee Simple | No | No | N/A | xxx | 27.62 | xxx | 27.62 | No | 80.0 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000090825 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 6.750% | $6,622.19 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $8,243.64 | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0 | 0 | No | 0 | 0 | 0 | Yes | 0.831 | 0.82 | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 782 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 96.43 | xxx | 96.43 | No | 56.41 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000093282 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 7.250% | $2,839.56 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $3,478.89 | $0.00 | xxx | xxx | xxx | xxx | Monthly | 0.00% | 0.00% | 0.00% | Yes | Yes | Unknown | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0 | 0 | 0.00% | 0.00% | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | 0 | Yes | 0.941 | 0.925 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 716 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot ACT | xxx | xxx | xxx | N/A | US Citizen | US Citizen | N/A | Other | USA Patriot ACT | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 75.45 | xxx | 75.45 | No | 75.0 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000092397 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 6.750% | $1,848.50 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $2,116.65 | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0.00% | 0 | 0 | No | 0 | 0 | 0 | Yes | 0.987 | 987 | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 760 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 101.69 | xxx | 101.69 | No | 75.0 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000088764 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 7.125% | $1,005.52 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $1,409.79 | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0.00% | 0 | 0 | No | 0 | 0 | 0 | Yes | 1.873 | 1.87 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 774 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 457.34 | xxx | 457.34 | No | 75.0 | N/A | xxx | xxx | xxx | xxx | 3 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000094134 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 1450 | xxx | 6.570% | No AUS | No | 7.024% | 7.000% | $5,788.13 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $7,518.48 | $13,295.45 | xxx | xxx | xxx | xxx | Monthly | 0.00% | 49.66% | 49.66% | No | Employed | Written Verification of Employment | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 73 | 33 | FNMA 1005 | 0 | No | 0 | N/A | Borrower - Wage, Overtime and Bonus, Commission, Other REO Net Rental Income(Loss) - Written VOE Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 806 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA PATRIOT ACT | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | 115.76 | No | 40.47 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000091397 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 5362.14 | xxx | 6.610% | No AUS | No | 7.001% | 6.875% | $3,445.43 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $4,406.27 | $7,667.73 | xxx | xxx | xxx | xxx | Monthly | 0.00% | 43.81% | 43.81% | No | Employed | Written Verification of Employment | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 64 | 32 | FNMA 1005 | 0 | No | 0 | N/A | Borrower - Wage, Overtime and Bonus - Written VOE Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 713 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | Permanent Resident Alien | Permanent Resident Alien | N/A | Standard Driver's License - Not for federal use | xxx | xxx | xxx | I-151 Permanent Resident Card | xxx | Fee Simple | No | No | N/A | xxx | 25.90 | xxx | 25.9 | No | 46.01 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000095267 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 6.625% | $1,152.56 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $1,872.00 | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0.00% | 0 | 0 | No | 0 | 0 | 0 | Yes | 1.241 | 1.24 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 767 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 22.49 | xxx | 22.49 | No | 64.29 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000090704 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 1840 | xxx | 6.630% | No AUS | No | 6.013% | 5.750% | $2,100.86 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $4,010.96 | $17,223.02 | xxx | xxx | xxx | xxx | Annually | 0.00% | 42.14% | 42.14% | Yes | Yes | Self-Employed | Employed | 2YR Full Doc | 2 | 2 | 1 Month | 2+ Months | N/A | 0 | N/A | 0 | 2 | 2 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 156 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - SESCorp, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, CPA Letter Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified || Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 2 YRS Executed 4506T Verified || Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 775 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 89.00 | xxx | 89 | No | 26.18 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000094298 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 6.875% | $1,724.43 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $2,755.35 | $5,367.64 | xxx | xxx | xxx | xxx | Annually | 0.00% | 16.64% | 16.64% | Yes | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | 0.00% | 100.00% | Third-Party Prepared (Unaudited) | 20 | CPA | Yes | 24 | No | NA | 0 | 0 | N/A | 0 | No | 0 | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 753 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | Unknown | N/A | xxx | 6.99 | xxx | 6.99 | No | 75.0 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000093840 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 13946.25 | xxx | 6.320% | No AUS | No | 6.893% | 6.625% | $3,912.29 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $5,092.14 | $6,208.86 | $0.00 | 0.00% | 47.38% | 47.38% | No | Employed | Written Verification of Employment | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 41 | 33 | FNMA 1005 | 0 | No | 0 | N/A | Borrower - Wage - Written VOE Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 796 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | Non Permanent Resident Alien | Non-Permanent Resident Alien | N/A | Real ID Driver's License | xxx | xxx | xxx | Employment Authorization Document (I-821D) | xxx | Fee Simple | No | No | N/A | xxx | 26.07 | xxx | 26.07 | No | 75.43 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000094415 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 6.625% | $1,543.14 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $2,779.28 | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Yes | Unknown | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0 | 0 | 0.00% | Proceeds from Sale,Stocks/Bonds | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | 0 | Yes | 1.259 | 1.25 | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 791 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx | N/A | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 587.30 | xxx | 587.3 | No | 29.04 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000094976 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 6.500% | $1,643.37 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $2,341.28 | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0.00% | Proceeds from Sale | 0 | 0 | No | 0 | 0 | 0 | Yes | 0.897 | 0.897 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 806 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 107.58 | xxx | 107.58 | No | 61.9 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000094112 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 5425 | xxx | 6.570% | No AUS | No | 7.111% | 7.000% | $3,965.20 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $4,809.68 | $23,718.02 | $0.00 | 0.00% | 24.89% | 24.89% | No | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | -5.15% | 100.00% | Audited | 19 | CPA | Yes | 24 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 743 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 4.31 | xxx | 4.31 | No | 79.98 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000094979 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 7400 | xxx | 6.570% | No AUS | No | 6.804% | 6.750% | $3,087.32 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $4,160.22 | $8,952.84 | $0.00 | 0.00% | 32.71% | 32.71% | No | Employed | Written Verification of Employment | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 44 | 32 | FNMA 1005 | 0 | No | 0 | N/A | Borrower - Wage, Commission - Written VOE Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 817 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | Permanent Resident Alien | Permanent Resident Alien | N/A | Other | USA Patriot Act | xxx | xxx | xxx | I-151 Permanent Resident Card | xxx | Fee Simple | No | No | N/A | xxx | 2.09 | xxx | 2.09 | No | 46.21 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000095015 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 10800 | xxx | 6.320% | No AUS | No | 6.833% | 6.375% | $1,776.78 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $2,513.88 | $4,521.12 | $0.00 | 0.00% | 39.72% | 39.72% | No | Employed | Written Verification of Employment | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 42 | 32 | FNMA 1005 | 0 | No | 0 | N/A | Borrower - Wage - Written VOE Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 733 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | Permanent Resident Alien | Permanent Resident Alien | N/A | Other | USA Patriot Act | xxx | xxx | xxx | I-551 Permanent Resident Card | xxx | Fee Simple | No | No | N/A | xxx | 14.35 | xxx | 14.35 | No | 80.0 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000095390 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 2450 | xxx | 6.320% | No AUS | No | 6.739% | 6.625% | $1,767.26 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $2,569.93 | $4,961.07 | xxx | xxx | xxx | xxx | Annually | 0.00% | 37.20% | 37.20% | No | Employed | Written Verification of Employment | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 66 | 32 | FNMA 1005 | 0 | No | 0 | N/A | Borrower - Wage - Written VOE Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 783 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 5.66 | xxx | 5.66 | No | 80.0 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000091829 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 1859.87 | xxx | 6.570% | No AUS | No | 6.992% | 6.875% | $1,372.98 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $2,222.34 | $4,724.66 | $0.00 | 0.00% | 42.77% | 42.77% | No | No | Self-Employed | Self-Employed | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | N/A | 0 | 12 | Yes | N/A | 0 | 12 | 100.00% | 50.00% | 50.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - SEPartnership - Business Bank Statements Verified || Co Borrower - SEPartnership - Business Bank Statements Verified | Borrower || Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 787 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Enhanced Driver's License (MI, MN, NY, VT, WA) | xxx | xxx | xxx | N/A | US Citizen | US Citizen | N/A | Enhanced Driver's License (MI, MN, NY, VT, WA) | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | 24.6 | No | 23.91 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000094440 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 6650 | xxx | 6.540% | No AUS | No | 6.684% | 6.500% | $3,697.60 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $4,796.55 | $6,122.45 | $0.00 | 0.00% | 44.34% | 44.34% | No | Employed | Written Verification of Employment | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 36 | 36 | FNMA 1005 | 0 | No | 0 | N/A | Borrower - Wage, Wage - Written VOE Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 809 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 2.80 | xxx | 2.8 | No | 75.0 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000091684 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 10026.25 | xxx | 6.570% | No AUS | No | 6.860% | 6.625% | $3,361.63 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $4,646.01 | $7,235.37 | xxx | xxx | xxx | xxx | Monthly | 0.00% | 41.58% | 41.58% | No | Employed | Written Verification of Employment | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 42 | 32 | FNMA 1005 | 0 | No | 0 | N/A | Borrower - Wage, Other - Written VOE Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 796 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 10.49 | xxx | 10.49 | No | 70.0 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000094444 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 7445 | xxx | 6.570% | No AUS | No | 6.853% | 6.750% | $6,485.98 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $8,682.62 | $15,202.38 | xxx | xxx | xxx | xxx | Annually | 0.00% | 36.66% | 36.66% | No | Employed | Written Verification of Employment | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 32 | 50 | FNMA 1005 | 0 | No | 0 | Borrower - Wage - Written VOE Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 764 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | USA Patriot Act | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 4.06 | xxx | 4.06 | No | 55.56 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000093139 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 7.375% | $2,127.28 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $2,525.77 | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0 | 0 | No | 0 | 0 | 0 | Yes | 1.069 | 1.07 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 771 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 12.19 | xxx | 12.19 | No | 80.0 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000090761 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 1925.25 | xxx | 6.630% | No AUS | No | 6.789% | 6.750% | $5,240.67 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $5,627.92 | $17,959.08 | $0.00 | 0.00% | 34.67% | 34.67% | Yes | Yes | Employed | Employed | 2YR Full Doc | 0 | 0 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 2 | 0 | 2 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 20 | 20 | Work Number | Yes | 254 | 254 | Work Number | No | 0 | N/A | Borrower - Wage, Other REO Net Rental Income(Loss) - 2 YRS Business Tax Returns Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified || Co Borrower - Wage - 2 YRS Business Tax Returns Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified | Borrower - 2 YRS Business Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified || Co Borrower - 2 YRS Business Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 793 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Missing | xxx | N/A | US Citizen | US Citizen | N/A | Missing | xxx | N/A | Fee Simple | No | No | N/A | xxx | 82.22 | xxx | 82.22 | No | 62.15 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000091807 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 1798 | xxx | 6.570% | No AUS | No | 5.599% | 5.500% | $1,703.36 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $2,156.23 | $12,071.66 | xxx | xxx | xxx | xxx | Monthly | 0.00% | 18.18% | 18.18% | No | No | Self-Employed | Not Employed | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - SESCorp - 2 YRS Executed 4506T Verified, Business Bank Statements Verified || Co Borrower - 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified || Co Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 793 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 55.59 | xxx | 55.59 | No | 45.64 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000094603 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 6.875% | $2,874.06 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $3,676.10 | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0.00% | 0 | 0 | No | 0 | 0 | 0 | Yes | 0.762 | 0.754 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 755 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | Unknown | N/A | xxx | 9.49 | xxx | 9.49 | No | 70.0 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000093408 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 6.750% | $1,180.45 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $1,720.80 | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0.00% | 0 | 0 | No | 0 | 0 | 0 | Yes | 2.281 | 2.28 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 779 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 9.42 | xxx | 9.42 | No | 33.09 | N/A | xxx | xxx | xxx | xxx | 2 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000092908 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 11200 | xxx | 6.570% | No AUS | No | 6.957% | 6.750% | $3,852.67 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $4,882.95 | $8,622.89 | $0.00 | 0.00% | 38.89% | 38.89% | No | Employed | Written Verification of Employment | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 77 | 31 | FNMA 1005 | 0 | No | 0 | Borrower - Wage, Other - Written VOE Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 744 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | Permanent Resident Alien | Permanent Resident Alien | N/A | Real ID Driver's License | xxx | xxx | xxx | I-551 Permanent Resident Card | xxx | Fee Simple | No | No | N/A | xxx | 1.56 | xxx | 1.56 | No | 58.52 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000095064 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 15271.15 | xxx | 6.320% | No AUS | No | 6.801% | 6.625% | $5,717.97 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $7,137.33 | $17,914.47 | $0.00 | 0.00% | 28.88% | 28.88% | No | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | Audited | 20 | CPA | Yes | 24 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 810 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 1.90 | xxx | 1.9 | No | 56.7 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000091336 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 6.875% | $1,143.06 | Yes | 20.000% | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $1,568.06 | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0.00% | 0 | 0 | No | 0 | 0 | 0 | Yes | 1.215 | 1.21 | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 750 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 313.93 | xxx | 313.93 | No | 75.0 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000093210 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 6.625% | $1,656.80 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $2,204.72 | $23,603.11 | $0.00 | 0.00% | 22.83% | 22.83% | Yes | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 100.00% | 100.00% | N/A | 0 | N/A | Yes | 28 | No | NA | 0 | 0 | N/A | 0 | No | 0 | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 796 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 9.31 | xxx | 9.31 | No | 75.0 | N/A | xxx | xxx | xxx | xxx | 2 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000092573 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 1985 | xxx | 6.540% | No AUS | No | 6.656% | 6.625% | $5,954.89 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $9,147.01 | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | No | Not Employed | Asset Depletion – Debt Ratio Calculation | 0 | NA | N/A | 0 | 0 | 0 | 2 | 0 | NA | Yes | No | 84.0 | No | No | N/A | 0 | 0 | No | 0.00% | 0.00% | Stocks/Bonds,Stocks/Bonds | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - Asset Depletion - 2 YRS Executed 4506T Verified - 2025 | Borrower - 2 YRS Executed 4506T Verified - 2025 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 801 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 149.02 | xxx | 149.02 | No | 32.07 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000092776 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 8.125% | $2,088.27 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $2,444.51 | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0.00% | 0 | 0 | No | 0 | 0 | 0 | Yes | 0.9 | 0.84 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 729 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | Non Permanent Resident Alien | Non-Permanent Resident Alien | Real ID Driver's License | xxx | xxx | xxx | Employment Authorization Document (I-821D) | xxx | Fee Simple | No | No | N/A | xxx | 3.88 | xxx | 3.88 | No | 75.0 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000094997 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 0 | xxx | 6.540% | No AUS | No | 6.750% | 6.750% | $8,315.02 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $10,054.51 | $57,399.29 | $0.00 | 0.00% | 22.21% | 22.21% | No | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | Third-Party Prepared (Unaudited) | 19 | Tax Preparer | Yes | 36 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 768 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 14.43 | xxx | 14.5 | No | 64.1 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000094937 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 17512.5 | xxx | 6.570% | No AUS | No | 7.022% | 7.000% | $8,549.13 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $10,414.43 | $21,262.15 | $0.00 | 0.00% | 40.43% | 40.43% | No | Employed | Written Verification of Employment | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 40 | 32 | FNMA 1005 | 0 | No | 0 | Borrower - Wage, Overtime and Bonus, Commission, Other REO Net Rental Income(Loss) - Written VOE Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 796 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | Permanent Resident Alien | Permanent Resident Alien | Other | USA Patriot Act | xxx | xxx | xxx | I-151 Permanent Resident Card | xxx | Fee Simple | No | No | N/A | xxx | 7.46 | xxx | 7.46 | No | 72.09 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000094973 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 45643.75 | xxx | 6.220% | No AUS | No | 6.889% | 6.875% | $16,653.14 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $19,675.22 | $72,143.19 | xxx | xxx | xxx | xxx | Monthly | 0.00% | 36.14% | 36.14% | No | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | Audited | 20 | CPA | Yes | 24 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SECorporation, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 753 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 11.88 | xxx | 12.1 | No | 65.0 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000094958 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 3062.5 | xxx | 6.320% | No AUS | No | 6.641% | 6.500% | $2,717.89 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $4,035.02 | $15,047.82 | xxx | xxx | xxx | xxx | Monthly | 0.00% | 25.14% | 25.14% | No | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | Audited | 20 | CPA | Yes | 128 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 735 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | Permanent Resident Alien | Permanent Resident Alien | N/A | Other | USA Patriot Act | xxx | xxx | xxx | I-151 Permanent Resident Card | xxx | Fee Simple | No | No | N/A | xxx | 159.65 | xxx | 159.65 | No | 48.59 | Yes | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000094980 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 9645 | xxx | 6.320% | No AUS | No | 6.826% | 6.750% | $9,080.37 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $10,530.98 | $37,533.10 | $0.00 | 0.00% | 35.60% | 35.60% | No | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 2 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | Audited | 20 | Tax Preparer | Yes | 24 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 797 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 7.86 | xxx | 8.73 | No | 60.87 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000094919 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 4850 | xxx | 5.910% | No AUS | No | 7.007% | 6.750% | $1,504.35 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $3,143.18 | $4,363.35 | xxx | xxx | xxx | xxx | Monthly | 0.00% | 42.27% | 42.27% | No | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | Audited | 19 | CPA | Yes | 24 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 801 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 8.54 | xxx | 8.54 | No | 36.17 | Yes | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000094929 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 15821 | xxx | 6.570% | No AUS | No | 6.928% | 6.875% | $4,598.50 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $6,367.48 | $11,167.52 | $0.00 | 0.00% | 36.69% | 36.69% | No | Employed | Written Verification of Employment | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 25 | 25 | FNMA 1005 | 0 | No | 0 | N/A | Borrower - Wage - Written VOE Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 726 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 10.38 | xxx | 10.38 | No | 39.22 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000087741 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 7.250% | $6,821.76 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $8,445.07 | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0.00% | 0 | 0 | No | 0 | 0 | 0 | Yes | 0.983 | 0.983 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 776 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | 115.83 | No | 48.78 | N/A | xxx | xxx | xxx | xxx | 3 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000091688 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 34450 | xxx | 6.630% | No AUS | No | 7.073% | 6.875% | $14,452.43 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $18,634.43 | $40,428.52 | $0.00 | 0.00% | 32.79% | 32.79% | No | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | Proceeds from Sale | Third-Party Prepared (Unaudited) | 19 | Tax Preparer | Yes | 126 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 736 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 77.63 | xxx | 77.63 | No | 61.97 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000091763 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 6.750% | $1,491.77 | Yes | 20.000% | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $2,053.36 | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0.00% | 0 | 0 | No | 0 | 0 | 0 | Yes | 1.035 | 1.035 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 750 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 242.36 | xxx | 243.27 | No | 73.72 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000093640 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 6.875% | $2,352.63 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $3,152.43 | $0.00 | xxx | xxx | xxx | xxx | Annually | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0 | 0 | No | 0 | 0 | 0 | Yes | 1.11 | 1.11 | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 813 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 73.09 | xxx | 73.09 | No | 75.0 | N/A | xxx | xxx | xxx | xxx | 2 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000092894 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 1495 | xxx | 6.540% | No AUS | No | 6.645% | 6.625% | $10,541.30 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | $15,450.14 | $20,463.51 | $0.00 | 0.00% | 46.95% | 46.95% | No | No | Not Employed | Self-Employed | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 100.00% | N/A | 0 | N/A | Audited | CPA | 19 | NA | 0 | Yes | 68 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - Other REO Net Rental Income(Loss) || Co Borrower - Wage - CPA Letter Verified, YTD Profit And Loss Verified, Lease Agreements Verified - ["2024","2025"] | Borrower || Co Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 782 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 3.88 | xxx | 16.66 | No | 57.71 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000095450 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 7033.75 | xxx | 6.320% | No AUS | No | 6.756% | 6.500% | $1,891.46 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $2,652.78 | $4,225.22 | xxx | xxx | xxx | xxx | Monthly | 0.00% | 45.83% | 45.83% | No | Employed | Written Verification of Employment | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 36 | 36 | FNMA 1005 | 0 | No | 0 | N/A | Borrower - Wage - Written VOE Verified - ["2023","2024","2025"] | Borrower - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 787 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | Permanent Resident Alien | Permanent Resident Alien | N/A | Other | USA Patriot Act | xxx | xxx | xxx | I-151 Permanent Resident Card | xxx | Fee Simple | No | No | N/A | xxx | 2.35 | xxx | 2.35 | No | 75.0 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000095005 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 6.625% | $4,610.23 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $5,966.86 | $107,276.44 | $0.00 | 0.00% | 14.63% | 14.63% | Yes | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | Audited | 20 | CPA | Yes | 144 | No | NA | 0 | 0 | N/A | 0 | No | 0 | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 774 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 16.41 | xxx | 16.41 | No | 80.0 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000095016 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 7445 | xxx | 6.320% | No AUS | No | 6.691% | 6.500% | $2,629.40 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $3,901.74 | $5,345.26 | xxx | xxx | xxx | xxx | Annually | 0.00% | 43.73% | 43.73% | No | Employed | Written Verification of Employment | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 37 | 32 | FNMA 1005 | 0 | No | 0 | N/A | Borrower - Wage - Written VOE Verified - ["2023","2024","2025"] | Borrower - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 741 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 8.41 | xxx | 8.41 | No | 80.0 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000091469 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 6.750% | $972.90 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $1,814.48 | $0.00 | xxx | xxx | xxx | xxx | Monthly | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0.00% | 0 | 0 | No | 0 | 0 | 0 | Yes | 1.378 | 1.378 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 761 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 141.02 | xxx | 141.02 | No | 50.0 | Yes | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000094428 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 11020 | xxx | 6.540% | No AUS | No | 6.578% | 6.375% | $3,668.36 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $4,962.66 | $9,299.88 | $0.00 | 0.00% | 44.18% | 44.18% | No | Employed | Written Verification of Employment | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 53 | 32 | FNMA 1005 | 0 | No | 0 | N/A | Borrower - Wage, Other REO Net Rental Income(Loss) - Written VOE Verified - ["2025","2024","2023"] | Borrower - ["2025","2024","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 785 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | Permanent Resident Alien | Permanent Resident Alien | N/A | Other | USA Patriot Act | xxx | xxx | xxx | I-151 Permanent Resident Card | xxx | Fee Simple | No | No | N/A | xxx | 18.66 | xxx | 18.66 | No | 66.22 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000095071 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 20276.25 | xxx | 6.220% | No AUS | No | 6.856% | 6.625% | $6,345.48 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $8,013.53 | $17,784.11 | $0.00 | 0.00% | 38.90% | 38.90% | No | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | 0.00% | 100.00% | Third-Party Prepared (Unaudited) | 20 | Tax Preparer | Yes | 60 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 763 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | 0.09 | No | 61.17 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000087827 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 7.125% | $2,661.19 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $3,569.15 | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0.00% | 0 | 0 | No | 0 | 0 | 0 | Yes | 1.012 | 1.0 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 788 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 8.25 | xxx | 8.25 | No | 46.47 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000095376 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 5961.88 | xxx | 6.220% | No AUS | No | 6.582% | 6.375% | $2,030.70 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $2,633.09 | $7,049.91 | $0.00 | 0.00% | 29.95% | 29.95% | No | Employed | Written Verification of Employment | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 36 | 32 | FNMA 1005 | 0 | No | 0 | N/A | Borrower - Wage - Written VOE Verified - ["2025","2024","2023"] | Borrower - ["2025","2024","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 790 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | Permanent Resident Alien | Permanent Resident Alien | N/A | Other | USA Patriot Act | xxx | xxx | xxx | I-551 Permanent Resident Card | xxx | Fee Simple | No | No | N/A | xxx | 2.26 | xxx | 2.26 | No | 70.0 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000094427 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 4356.25 | xxx | 6.540% | No AUS | No | 6.655% | 6.500% | $1,836.94 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $2,391.28 | $4,581.72 | $0.00 | 0.00% | 34.55% | 34.55% | No | Employed | Written Verification of Employment | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 26 | 26 | FNMA 1005 | 0 | No | 0 | N/A | Borrower - Wage - Written VOE Verified - ["2025","2024"] | Borrower - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 771 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 5.45 | xxx | 5.45 | No | 75.0 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000094417 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 13450 | xxx | 6.320% | No AUS | No | 6.768% | 6.500% | $3,792.40 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $4,802.48 | $9,316.03 | $0.00 | 0.00% | 35.25% | 35.25% | No | Employed | Written Verification of Employment | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 108 | 29 | FNMA 1005 | 0 | No | 0 | N/A | Borrower - Wage, Overtime and Bonus, Commission - Written VOE Verified - ["2023","2024","2025"] | Borrower - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 772 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 15.01 | xxx | 15.01 | No | 75.0 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000095686 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 9162.26 | xxx | 6.220% | No AUS | No | 6.716% | 6.625% | $6,584.32 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $6,874.43 | $10,007.07 | $0.00 | 0.00% | 41.61% | 41.61% | No | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | Third-Party Prepared (Unaudited) | 19 | Tax Preparer | Yes | 76 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2025","2024"] | Borrower - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 811 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 9.07 | xxx | 9.07 | No | 74.09 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000092205 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 6.875% | $1,609.47 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $2,170.22 | $0.00 | xxx | xxx | xxx | xxx | Monthly | 0.00% | 0.00% | 0.00% | Yes | Yes | Unknown | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0 | 0 | 0.00% | 0.00% | 0.00% | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | 0 | Yes | 1.313 | 1.313 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified || Co Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 796 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 116.89 | xxx | 116.89 | No | 51.04 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000092887 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 4354.7 | xxx | 6.540% | No AUS | No | 7.066% | 6.875% | $1,766.61 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $2,277.70 | $10,668.30 | xxx | xxx | xxx | xxx | Monthly | 0.00% | 21.14% | 21.14% | No | No | Self-Employed | Self-Employed | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 100.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | Borrower - SESoleProprietor, SESoleProprietor - Business Bank Statements Verified - ["2025","2024"] || Co Borrower - Business Bank Statements Verified - ["2025","2024"] | Borrower - ["2025","2024"] || Co Borrower - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 801 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Enhanced Driver's License (MI, MN, NY, VT, WA) | xxx | xxx | xxx | N/A | US Citizen | US Citizen | N/A | Enhanced Driver's License (MI, MN, NY, VT, WA) | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 6.91 | xxx | 6.91 | No | 34.97 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000090642 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 5.875% | $1,045.38 | Yes | 20.000% | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $1,614.71 | $0.00 | xxx | xxx | xxx | xxx | Annually | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0.00% | 0 | 0 | No | 0 | 0 | 0 | Yes | 1.236 | 1.25 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 807 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | Permanent Resident Alien | Permanent Resident Alien | N/A | Standard Driver's License - Not for federal use | xxx | xxx | xxx | I-551 Permanent Resident Card | xxx | Fee Simple | No | No | N/A | xxx | 51.74 | xxx | 51.74 | No | 74.66 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000095456 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 12760 | xxx | 6.540% | No AUS | No | 6.943% | 6.875% | $4,953.24 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $6,101.00 | $9,760.62 | $0.00 | 0.00% | 38.79% | 38.79% | No | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | Audited | 21 | CPA | Yes | 24 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2025","2024"] | Borrower - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 782 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | .00 | 0 | No | 79.99 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000095690 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 19325 | xxx | 6.540% | No AUS | No | 6.887% | 6.750% | $9,274.95 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $11,379.06 | $15,719.69 | xxx | xxx | xxx | xxx | Monthly | 0.00% | 42.01% | 42.01% | No | Employed | Written Verification of Employment | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 98 | 32 | FNMA 1005 | 0 | No | 0 | N/A | Borrower - Wage, Overtime and Bonus - Written VOE Verified - ["2025","2024","2023"] | Borrower - ["2025","2024","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 745 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | Permanent Resident Alien | Permanent Resident Alien | Other | USA Patriot Act | xxx | xxx | xxx | I-551 Permanent Resident Card | xxx | Fee Simple | No | No | N/A | xxx | 7.29 | xxx | 7.29 | No | 71.5 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000095458 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 9351 | xxx | 6.540% | No AUS | No | 7.041% | 7.000% | $4,205.24 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $5,203.20 | $12,582.30 | $0.00 | 0.00% | 33.29% | 33.29% | No | Employed | Written Verification of Employment | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 49 | 32 | FNMA 1005 | 0 | No | 0 | N/A | Borrower - Wage, Overtime and Bonus, Overtime and Bonus - Written VOE Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 758 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | .90 | xxx | 0.9 | No | 73.5 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000095447 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 9450 | xxx | 6.320% | No AUS | No | 6.969% | 6.875% | $2,627.72 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $3,446.29 | $4,884.59 | $0.00 | 0.00% | 41.72% | 41.72% | No | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | Audited | 20 | Tax Preparer | Yes | 24 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 796 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 26.60 | xxx | 26.6 | No | 80.0 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000092875 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 1799 | xxx | 6.540% | No AUS | No | 6.656% | 6.625% | $4,226.05 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $5,383.49 | $15,341.06 | $0.00 | 0.00% | 33.13% | 33.13% | Yes | Yes | Employed | Employed | Full Documentation | 2 | 1 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 33 | 33 | FNMA 1005 | Yes | 12 | 12 | Work Number | No | 0 | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified - ["2023","2024","2025"] || Co Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified - ["2024","2025"] | Borrower - ["2023","2024","2025"] || Co Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 793 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 1070.19 | xxx | 1070.19 | No | 80.0 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000090110 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 1920 | xxx | 6.610% | No AUS | No | 6.717% | 6.625% | $2,125.83 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $2,716.49 | $115,315.43 | $0.00 | 0.00% | 3.82% | 3.82% | Yes | Self-Employed | Full Documentation | 1 | 2+ Months | N/A | 0 | 1 | 1 | 0 | 1 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | Audited | 8 | CPA | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | Borrower - SESCorp - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified, YTD Profit And Loss Verified, 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, IRS Transcripts Verified - ["2024","2025"] | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified, IRS Transcripts Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 805 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 202.20 | xxx | 202.2 | No | 50.0 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000094446 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 1920 | xxx | 6.320% | No AUS | No | 6.691% | 6.625% | $2,445.35 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $3,095.87 | $6,818.38 | $0.00 | 0.00% | 32.15% | 32.15% | No | No | Retired | Not Employed | Asset Depletion – Total Asset Calculation | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | Yes | No | 120.0 | No | Yes | Yes | 1 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | Borrower - Asset Depletion - 3 YRS Executed 4506T Verified, Personal Bank Statements Verified - ["2025"] || Co Borrower | Borrower - 3 YRS Executed 4506T Verified - ["2025"] || Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 775 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | USA Patriot Act | xxx | xxx | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 423.41 | xxx | 423.41 | No | 67.0 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000093222 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 2320 | xxx | 6.540% | No AUS | No | 6.915% | 6.875% | $8,540.07 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $11,086.40 | $18,113.27 | $0.00 | 0.00% | 39.57% | 39.57% | No | No | Employed | Self-Employed | 1YR Full Doc | 0 | 1 | Less than 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 1 | 0 | 3 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 100.00% | Stocks/Bonds,Stocks/Bonds,Stocks/Bonds | N/A | 0 | N/A | Third-Party Prepared (Unaudited) | CPA | 8 | NA | 0 | Yes | 48 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | Borrower - Wage - Less than 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified - ["2024","2025"] || Co Borrower - SESoleProprietor, SESoleProprietor - 1 YR Personal Tax Returns Verified, CPA Letter Verified, YTD Profit And Loss Verified, 1 YR W2 1099 Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - ["2024"] | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] || Co Borrower - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - ["2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 713 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx | N/A | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 73.24 | xxx | 73.24 | No | 56.52 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000097132 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 6.875% | $2,443.78 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $2,681.51 | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | Stocks/Bonds | 0 | 0 | No | 0 | 0 | 0 | Yes | 0.858 | 0.85 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 761 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | xxx | xxx | N/A | Fee Simple | No | Unknown | N/A | xxx | 27.70 | xxx | 27.7 | No | 72.23 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000093141 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 5.875% | $1,250.66 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $1,584.36 | $0.00 | xxx | xxx | xxx | xxx | Annually | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0.00% | 0 | 0 | No | 0 | 0 | 0 | Yes | 1.168 | 1.168 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 783 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 32.82 | xxx | 32.82 | No | 75.0 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000094434 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | Yes | No | N/A | N/A | DU | DU Approve/Eligible | No | 6.375% | $1,766.79 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $3,001.96 | $20,040.36 | xxx | xxx | xxx | xxx | Monthly | 0.00% | 29.65% | 29.65% | Yes | Self-Employed | Full Documentation | 2 | 1 Month | N/A | 0 | 2 | 2 | 2 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor, Wage, Other, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025","2023"] | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 783 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 82.59 | xxx | 82.59 | No | 40.0 | Yes | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000095369 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 7125 | xxx | 6.220% | No AUS | No | 6.683% | 6.250% | $1,354.57 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $2,451.49 | $4,518.51 | xxx | xxx | xxx | xxx | Annually | 0.00% | 44.22% | 44.22% | No | Employed | Written Verification of Employment | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 35 | 33 | FNMA 1005 | 0 | No | 0 | N/A | Borrower - Wage - Written VOE Verified - ["2025","2024","2023"] | Borrower - ["2025","2024","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 719 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 2.37 | xxx | 2.37 | No | 33.85 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000095703 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 10140 | xxx | 6.220% | No AUS | No | 6.800% | 6.500% | $2,604.12 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $3,542.64 | $4,476.36 | xxx | xxx | xxx | xxx | Monthly | 0.00% | 44.74% | 44.74% | No | Employed | Written Verification of Employment | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 32 | 32 | FNMA 1005 | 0 | No | 0 | Borrower - Wage - Written VOE Verified - ["2024","2025","2023"] | Borrower - ["2024","2025","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 812 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | Permanent Resident Alien | Permanent Resident Alien | Other | USA Patriot Act | xxx | xxx | xxx | I-551 Permanent Resident Card | xxx | Fee Simple | No | No | N/A | xxx | 4.46 | xxx | 4.46 | No | 80.0 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000095054 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 6.875% | $2,378.08 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $2,958.11 | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0.00% | 0 | 0 | No | 0 | 0 | 0 | Yes | 1.247 | 1.247 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 780 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 248.08 | xxx | 248.6 | No | 63.51 | N/A | xxx | xxx | xxx | xxx | 3 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000095367 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 8465 | xxx | 6.220% | No AUS | No | 6.867% | 6.500% | $1,542.24 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $2,380.89 | $4,759.11 | $0.00 | 0.00% | 40.51% | 40.51% | No | Employed | Written Verification of Employment | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 31 | 31 | Work Number | 0 | No | 0 | N/A | Borrower - Wage - Written VOE Verified - ["2023","2024","2025"] | Borrower - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 752 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 11.34 | xxx | 11.34 | No | 80.0 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000093850 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | 7850 | xxx | 6.320% | No AUS | No | 7.406% | 7.125% | $3,368.59 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $4,718.37 | $7,678.99 | $0.00 | 0.00% | 47.04% | 47.04% | Yes | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 2 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 99.27% | 60.00% | N/A | 0 | N/A | Yes | 106 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 703 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Passport | USA Patriot Act | xxx | xxx | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | 65.65 | No | 62.5 | N/A | xxx | xxx | xxx | xxx | 3 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000095847 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 12372 | xxx | 6.220% | No AUS | No | 6.656% | 6.375% | $3,266.58 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $4,631.86 | $7,180.58 | $0.00 | 0.00% | 49.34% | 49.34% | No | No | Employed | Employed | Written Verification of Employment | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 42 | 31 | FNMA 1005 | Yes | 39 | 31 | FNMA 1005 | No | 0 | Borrower - Wage, Overtime and Bonus, Other REO Net Rental Income(Loss) - Written VOE Verified - ["2023","2024","2025"] || Co Borrower - Wage, Overtime and Bonus - Written VOE Verified - ["2024","2025","2023"] | Borrower - ["2023","2024","2025"] || Co Borrower - ["2024","2025","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 776 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | Permanent Resident Alien | Permanent Resident Alien | N/A | Other | USA Patriot Act | xxx | xxx | xxx | I-551 Permanent Resident Card | xxx | Permanent Resident Alien | Permanent Resident Alien | N/A | Other | USA Patriot Act | xxx | xxx | xxx | I-551 Permanent Resident Card | xxx | Fee Simple | No | No | N/A | xxx | 9.25 | xxx | 9.25 | No | 70.0 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000095403 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 9545 | xxx | 6.320% | No AUS | No | 6.782% | 6.500% | $2,275.44 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $3,510.12 | $4,799.88 | xxx | xxx | xxx | xxx | Annually | 0.00% | 44.19% | 44.19% | No | Employed | Written Verification of Employment | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 33 | 32 | FNMA 1005 | 0 | No | 0 | N/A | Borrower - Wage - Written VOE Verified - ["2023","2024","2025"] | Borrower - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 771 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | Permanent Resident Alien | Permanent Resident Alien | N/A | Other | USA Patriot Act | xxx | xxx | xxx | I-551 Permanent Resident Card | xxx | Fee Simple | No | No | N/A | xxx | 5.49 | xxx | 5.49 | No | 80.0 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000095048 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 9060 | xxx | 6.220% | No AUS | No | 6.949% | 6.625% | $2,261.90 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $2,785.58 | $12,764.42 | $0.00 | 0.00% | 27.06% | 27.06% | No | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | 0.00% | 100.00% | Audited | 12 | Tax Preparer | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | Borrower - SESoleProprietor - YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - ["2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 768 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 65.42 | xxx | 65.87 | No | 59.37 | N/A | xxx | xxx | xxx | xxx | 2 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000094683 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 6.875% | $3,034.55 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $3,871.01 | $0.00 | xxx | xxx | xxx | xxx | Monthly | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | Stocks/Bonds | 0 | 0 | No | 0 | 0 | 0 | Yes | 1.198 | 1 | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 779 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 36.01 | xxx | 36.01 | No | 70.0 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000091509 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 6.875% | $2,299.25 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $3,013.48 | $-617.69 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Yes | Unknown | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0 | 0 | 0.00% | 0.00% | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | 0 | Yes | 1.128 | 1.13 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 806 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | Real ID Driver's License | xxx | xxx | xxx | N/A | US Citizen | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 71.06 | xxx | 71.06 | No | 70.0 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000098334 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 9145 | xxx | 6.310% | No AUS | No | 6.798% | 6.625% | $3,585.74 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $4,532.24 | $6,458.76 | xxx | xxx | xxx | xxx | Annually | 0.00% | 45.26% | 45.26% | No | Employed | Written Verification of Employment | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 25 | 25 | FNMA 1005 | 0 | No | 0 | Borrower - Wage - Written VOE Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 742 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | .00 | 0 | No | 68.71 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000095371 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 12133.5 | xxx | 6.220% | No AUS | No | 6.697% | 6.500% | $4,208.94 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $5,072.68 | $13,827.32 | xxx | xxx | xxx | xxx | Monthly | 0.00% | 26.84% | 26.84% | No | Employed | Written Verification of Employment | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 32 | 32 | FNMA 1005 | 0 | No | 0 | N/A | Borrower - Wage - Written VOE Verified - ["2025","2024","2023"] | Borrower - ["2025","2024","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 793 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 32.34 | xxx | 32.34 | No | 80.0 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000094939 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 7900 | xxx | 6.220% | No AUS | No | 6.802% | 6.625% | $3,585.74 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $4,385.84 | $8,320.16 | $0.00 | 0.00% | 34.52% | 34.52% | No | Employed | Written Verification of Employment | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 42 | 32 | FNMA 1005 | 0 | No | 0 | N/A | Borrower - Wage - Written VOE Verified - ["2025","2024","2023"] | Borrower - ["2025","2024","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 798 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | Permanent Resident Alien | Permanent Resident Alien | N/A | Other | USA Patriot Act | xxx | xxx | xxx | I-151 Permanent Resident Card | xxx | Fee Simple | No | No | N/A | xxx | 19.72 | xxx | 19.72 | No | 80.0 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000094761 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | LPA | LP Accept/Ineligible | No | 6.625% | $11,045.36 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $12,397.03 | $34,876.00 | $0.00 | 0.00% | 24.17% | 24.17% | Yes | Employed | Full Documentation | 2 | 1 Month | N/A | 0 | 0 | 0 | 2 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 108 | 32 | Work Number | 0 | No | 0 | N/A | Borrower - Wage, Other, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - ["2024","2025"] | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 776 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | Permanent Resident Alien | Permanent Resident Alien | N/A | Real ID Driver's License | xxx | xxx | xxx | I-551 Permanent Resident Card | xxx | Fee Simple | No | No | N/A | xxx | 9.26 | xxx | 9.26 | No | 75.0 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000092192 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 6.750% | $1,799.86 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $2,114.15 | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0.00% | 0 | 0 | No | 0 | 0 | 0 | Yes | 1.183 | 1.182 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 787 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 16.79 | xxx | 16.97 | No | 75.0 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000098727 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 3145 | xxx | 6.310% | No AUS | No | 6.692% | 6.625% | $5,685.96 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $7,473.04 | $14,663.44 | xxx | xxx | xxx | xxx | Monthly | 0.00% | 41.35% | 41.35% | No | Employed | Written Verification of Employment | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 39 | 33 | FNMA 1005 | 0 | No | 0 | Borrower - Wage - Written VOE Verified - ["2025","2024","2023"] | Borrower - ["2025","2024","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 769 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 4.32 | xxx | 4.32 | No | 80.0 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000089200 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 6.625% | $1,895.32 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $2,910.35 | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0.00% | 0 | 0 | No | 0 | 0 | 0 | Yes | 1.443 | 1.44 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 770 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 7.37 | xxx | 7.37 | No | 80.0 | N/A | xxx | xxx | xxx | xxx | 2 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000094488 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 6.875% | $2,209.25 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $2,753.38 | $9,020.26 | $0.00 | 0.00% | 42.02% | 42.02% | Yes | Self-Employed | 1YR Full Doc | 1 | NA | N/A | 0 | 1 | 1 | 1 | 1 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | Borrower Prepared | 6 | Borrower | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified, YTD Profit And Loss Verified, 1 YR W2 1099 Verified, 1 YR Executed 4506T Verified, IRS Transcripts Verified - ["2024"] | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified, 1 YR Executed 4506T Verified, IRS Transcripts Verified - ["2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 799 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 37.34 | xxx | 39.77 | No | 76.43 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000094942 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 5538.65 | xxx | 6.220% | No AUS | No | 6.688% | 6.500% | $2,176.62 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $2,951.51 | $6,771.59 | xxx | xxx | xxx | xxx | Annually | 0.00% | 38.45% | 38.45% | No | Employed | Written Verification of Employment | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | Proceeds from Sale | N/A | 0 | N/A | NA | 0 | No | Yes | 25 | 25 | FNMA 1005 | 0 | No | 0 | N/A | Borrower - Wage, Overtime and Bonus - Written VOE Verified - [] | Borrower - [] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 800 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | Permanent Resident Alien | Permanent Resident Alien | N/A | Other | USA Patriot Act | xxx | xxx | xxx | I-151 Permanent Resident Card | xxx | Fee Simple | No | No | N/A | xxx | 5.67 | xxx | 5.67 | No | 70.0 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000095803 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 5.750% | $1,052.87 | Yes | 20.000% | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $1,698.05 | $0.00 | xxx | xxx | xxx | xxx | Annually | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0.00% | Stocks/Bonds | 0 | 0 | No | 0 | 0 | 0 | Yes | 1.193 | 1.19 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 791 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 185.05 | xxx | 185.05 | No | 70.0 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000094630 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | Appendix Q Documentation | 1445 | xxx | 6.320% | DU | DU Approve/Eligible | No | 6.944% | 6.875% | $2,512.75 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $2,802.76 | $34,082.12 | $0.00 | 0.00% | 39.38% | 39.38% | Yes | Yes | Self-Employed | Self-Employed | Full Documentation | 1 | 1 | NA | NA | N/A | 0 | N/A | 0 | 1 | 1 | 1 | 1 | 2 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 50.00% | 50.00% | Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | Yes | 24 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - SECorporation, SECorporation, Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified, CPA Letter Verified, 1 YR W2 1099 Verified, 2 YRS Executed 4506T Verified, 1040 Schedule E Verified - ["2024"] || Co Borrower - SECorporation, SECorporation - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified, CPA Letter Verified, 1 YR W2 1099 Verified, 2 YRS Executed 4506T Verified, 1040 Schedule E Verified - ["2024"] | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified, 2 YRS Executed 4506T Verified, 1040 Schedule E Verified - ["2024"] || Co Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified, 2 YRS Executed 4506T Verified, 1040 Schedule E Verified - ["2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 738 | NA | 0 | 0 | 0 | 0 | 1 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 57.11 | xxx | 57.11 | No | 75.0 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000093932 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 6.625% | $1,485.52 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $1,975.36 | $0.00 | xxx | xxx | xxx | xxx | Annually | 0.00% | 0.00% | 0.00% | Yes | Yes | Unknown | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0 | 0 | 0.00% | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | 0 | Yes | 1.228 | 1.228 | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 786 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 66.55 | xxx | 126.78 | No | 53.7 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000094091 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 1990 | xxx | 6.220% | No AUS | No | 6.387% | 6.375% | $12,477.39 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $14,434.08 | $50,432.50 | xxx | xxx | xxx | xxx | Monthly | 0.00% | 30.16% | 30.16% | Yes | Yes | Employed | Unknown | Written Verification of Employment | 0 | 0 | 2+ Months | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 51 | 33 | Other | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - Wage, Other - 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - ["2023","2024","2025"] || Co Borrower | Borrower - 2 YRS Executed 4506T Verified - ["2023","2024","2025"] || Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 811 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 124.68 | xxx | 124.68 | No | 76.92 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000098553 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 6.875% | $4,992.65 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $6,937.84 | $10,296.64 | xxx | xxx | xxx | xxx | Monthly | 0.00% | 34.86% | 34.86% | Yes | Employed | Written Verification of Employment | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 33 | 33 | FNMA 1005 | 0 | No | 0 | N/A | Borrower - Wage, Overtime and Bonus, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - Written VOE Verified - ["2025","2024","2023"] | Borrower - ["2025","2024","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 756 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | Non Permanent Resident Alien | Non-Permanent Resident Alien | Other | USA PATRIOT ACT | xxx | xxx | xxx | Employment Authorization Document (I-821D) | xxx | Fee Simple | No | No | N/A | xxx | 6.34 | xxx | 6.34 | No | 59.84 | Yes | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000096848 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 1720 | xxx | 6.310% | No AUS | No | 6.636% | 6.375% | $1,971.42 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $2,216.84 | $4,260.66 | $0.00 | 0.00% | 43.57% | 43.57% | No | Not Employed | Asset Depletion – Debt Ratio Calculation | 0 | NA | N/A | 0 | 0 | 0 | 2 | 0 | NA | Yes | No | 84.0 | No | Yes | Yes | 6 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - Asset Depletion, Other REO Net Rental Income(Loss) - 2 YRS Executed 4506T Verified, Personal Bank Statements Verified - ["2024","2025"] | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 771 | NA | 0 | 0 | 0 | 0 | 3 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 275.77 | xxx | 275.77 | No | 80.0 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000094651 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 1880 | xxx | 6.320% | No AUS | No | 6.933% | 6.875% | $2,506.18 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $3,244.80 | $21,186.51 | xxx | xxx | xxx | xxx | Annually | 0.00% | 39.15% | 39.15% | Yes | Employed | Full Documentation | 2 | 2+ Months | N/A | 0 | 0 | 0 | 2 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | Stocks/Bonds | N/A | 0 | N/A | NA | 0 | No | Yes | 360 | 33 | Other | 0 | No | 0 | N/A | Borrower - Wage, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 745 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot act | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 333.61 | xxx | 333.61 | No | 70.0 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000092697 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 2155.25 | xxx | 6.390% | No AUS | No | 7.601% | 8.375% | $6,759.05 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $8,155.07 | $20,040.80 | $0.00 | 0.00% | 37.20% | 34.19% | No | No | Self-Employed | Employed | Full Documentation | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 2 | 1 | 2 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 100.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - Wage, SESoleProprietor - 2 YRS Personal Tax Returns Verified, 1 YR Business Tax Returns Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] || Co Borrower - Wage, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | Borrower - 2 YRS Personal Tax Returns Verified, 1 YR Business Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] || Co Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 773 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Passport | xxx | xxx | xxx | xxx | xxx | N/A | US Citizen | US Citizen | N/A | Passport | xxx | xxx | xxx | xxx | xxx | N/A | Fee Simple | No | Yes | N/A | xxx | 16.09 | xxx | 16.09 | No | 79.75 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000097181 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 7894 | xxx | 6.310% | No AUS | No | 6.784% | 6.625% | $4,443.76 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $5,503.16 | $13,958.84 | $0.00 | 0.00% | 36.52% | 36.52% | No | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | Audited | 21 | CPA | Yes | 24 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - [] | Borrower - [] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 751 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | Permanent Resident Alien | Permanent Resident Alien | N/A | Real ID Driver's License | xxx | xxx | xxx | I-151 Permanent Resident Card | xxx | Fee Simple | No | No | N/A | xxx | 4.32 | xxx | 4.23 | No | 80.0 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000095643 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 9818.5 | xxx | 6.220% | No AUS | No | 6.464% | 6.250% | $3,108.75 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $3,914.06 | $11,118.07 | $0.00 | 0.00% | 38.91% | 38.91% | No | No | Employed | Employed | Written Verification of Employment | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 42 | 32 | FNMA 1005 | Yes | 42 | 32 | FNMA 1005 | No | 0 | N/A | Borrower - Wage, Other REO Net Rental Income(Loss) - Written VOE Verified - ["2025","2024","2023"] || Co Borrower - Wage - Written VOE Verified - ["2025","2024","2023"] | Borrower - ["2025","2024","2023"] || Co Borrower - ["2025","2024","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 808 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx | N/A | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 34.30 | xxx | 34.3 | No | 52.87 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000098322 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 8095 | xxx | 5.560% | No AUS | No | 7.223% | 6.750% | $2,654.72 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $3,150.51 | $9,928.80 | xxx | xxx | xxx | xxx | Annually | 0.00% | 47.33% | 47.33% | Yes | Yes | Employed | Employed | Written Verification of Employment | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 27 | 27 | FNMA 1005 | Yes | 25 | 25 | FNMA 1005 | No | 0 | N/A | Borrower - Wage, Overtime and Bonus, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - Written VOE Verified, 2 YRS Executed 4506T Verified - ["2023","2024","2025"] || Co Borrower - Wage, Wage - Written VOE Verified, 2 YRS Executed 4506T Verified - ["2023","2024","2025"] | Borrower - 2 YRS Executed 4506T Verified - ["2023","2024","2025"] || Co Borrower - 2 YRS Executed 4506T Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 783 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | Permanent Resident Alien | Permanent Resident Alien | Real ID Driver's License | xxx | xxx | xxx | I-151 Permanent Resident Card | xxx | Permanent Resident Alien | Real ID Driver's License | xxx | xxx | xxx | I-151 Permanent Resident Card | xxx | Fee Simple | No | No | N/A | .00 | .00 | xxx | 91.11 | No | 63.83 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000098209 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 6.625% | $1,607.18 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $1,968.39 | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Yes | Unknown | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0 | 0 | 0.00% | Proceeds from Sale | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | 0 | Yes | 1.016 | 1.016 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 790 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot act | xxx | xxx | xxx | N/A | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 436.66 | xxx | 436.66 | No | 60.48 | N/A | xxx | xxx | xxx | xxx | 2 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000092919 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 6.875% | $3,008.73 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $3,918.22 | $0.00 | xxx | xxx | xxx | xxx | Monthly | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0.00% | 0 | 0 | No | 0 | 0 | 0 | Yes | 0.625 | 0.817 | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 787 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 97.64 | xxx | 97.83 | No | 63.88 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000095652 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 5480 | xxx | 6.220% | No AUS | No | 6.846% | 6.625% | $1,940.14 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $3,083.14 | $20,089.68 | $0.00 | 0.00% | 17.90% | 17.90% | No | No | Self-Employed | Not Employed | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% | 0.00% | Audited | 20 | Accountant/Bookkeeper | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] || Co Borrower - N/A | Borrower - ["2024","2025"] || Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 773 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx | N/A | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | .94 | xxx | 0.94 | No | 60.0 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000097015 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | Yes | No | N/A | N/A | LPA | LP Accept/Eligible | No | 7.375% | $801.18 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $1,707.31 | $5,026.81 | xxx | xxx | xxx | xxx | Monthly | 0.00% | 44.91% | 44.91% | Yes | Yes | Retired | Employed | Full Documentation | 0 | 1 | NA | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 178 | 33 | Work Number | No | 0 | N/A | Borrower - SSI and Disability, Subject Property Net Rental Income(Loss) if NOO - 2 YRS Executed 4506T Verified || Co Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - ["2025","2024","2023"] | Borrower - 2 YRS Executed 4506T Verified || Co Borrower - 2 YRS Executed 4506T Verified - ["2025","2024","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 793 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 51.58 | xxx | 51.58 | No | 80.0 | Yes | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000092990 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 2320 | xxx | 6.540% | No AUS | No | 6.781% | 6.750% | $5,947.64 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $7,863.22 | $9,009.78 | xxx | xxx | xxx | xxx | Annually | 0.00% | 49.86% | 49.86% | No | No | Employed | Not Employed | 2YR Full Doc | 2 | 0 | 2+ Months | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - Wage, Commission - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025","2023"] || Co Borrower | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025","2023"] || Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 802 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx | N/A | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 39.87 | xxx | 39.87 | No | 63.24 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000097192 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 7.250% | $2,813.98 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $3,515.55 | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0 | 0 | No | 0 | 0 | 0 | Yes | 0.796 | 0.796 | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 745 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 107.01 | xxx | 107.01 | No | 75.0 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000098785 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 4730 | xxx | 6.310% | No AUS | No | 6.648% | 6.500% | $2,073.18 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $2,569.17 | $3,930.83 | $0.00 | 0.00% | 39.53% | 39.53% | No | Employed | Written Verification of Employment | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 28 | 28 | FNMA 1005 | 0 | No | 0 | N/A | Borrower - Wage - Written VOE Verified - ["2023","2024","2025"] | Borrower - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 806 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | Permanent Resident Alien | Permanent Resident Alien | Other | xxx | xxx | xxx | I-151 Permanent Resident Card | xxx | Fee Simple | No | No | N/A | xxx | 7.60 | xxx | 7.6 | No | 80.0 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000098290 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 12612.5 | xxx | 6.310% | No AUS | No | 6.602% | 6.250% | $2,893.87 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $4,461.71 | $11,674.35 | $0.00 | 0.00% | 29.06% | 29.06% | No | Employed | Written Verification of Employment | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 310 | 31 | FNMA 1005 | 0 | No | 0 | N/A | Borrower - Wage, Overtime and Bonus, Commission - Written VOE Verified - ["2025","2024","2023"] | Borrower - ["2025","2024","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 706 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA PATRIOT ACT | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | .00 | 0 | No | 37.01 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000096080 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | Yes | No | N/A | N/A | LPA | LP Accept/Eligible | No | 7.125% | $4,849.63 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $6,469.82 | $10,323.64 | $0.00 | 0.00% | 42.12% | 42.12% | Yes | Employed | Full Documentation | 0 | NA | N/A | 0 | 0 | 0 | 2 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | 0.00% | 0.00% | Stocks/Bonds | N/A | 0 | N/A | NA | 0 | No | Yes | 230 | 33 | Work Number | 0 | No | 0 | Borrower - Wage, Commission, Subject Property Net Rental Income(Loss) if NOO - Written VOE Verified, 2 YRS Executed 4506T Verified - ["2023","2024","2025"] | Borrower - 2 YRS Executed 4506T Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 790 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 157.90 | xxx | 157.9 | No | 75.0 | N/A | xxx | xxx | xxx | xxx | 3 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000096671 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 4665 | xxx | 6.310% | No AUS | No | 6.705% | 6.500% | $1,624.41 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $2,228.95 | $6,521.05 | xxx | xxx | xxx | xxx | Annually | 0.00% | 25.90% | 25.90% | No | Employed | Written Verification of Employment | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 152 | 32 | FNMA 1005 | 0 | No | 0 | N/A | Borrower - Wage - Written VOE Verified - ["2023","2024","2025"] | Borrower - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 810 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | Permanent Resident Alien | Permanent Resident Alien | N/A | Real ID Driver's License | xxx | xxx | xxx | I-551 Permanent Resident Card | xxx | Fee Simple | No | No | N/A | xxx | 7.13 | xxx | 7.13 | No | 61.63 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000085299 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | Appendix Q Documentation | No AUS | No | 7.625% | $3,991.95 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $4,884.25 | $41,095.41 | $0.00 | 0.00% | 32.22% | 32.22% | Yes | Self-Employed | 24 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 2 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 24 | No | 100.00% | 100.00% | N/A | 0 | N/A | Yes | 24 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESCorp, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2023","2024","2025"] | Borrower - 2 YRS Executed 4506T Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 793 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 54.69 | xxx | 54.69 | No | 80.0 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000100928 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 7520 | xxx | 6.290% | No AUS | No | 6.952% | 6.750% | $3,113.27 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $3,962.11 | $9,270.06 | xxx | xxx | xxx | xxx | Monthly | 0.00% | 29.94% | 29.94% | No | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | 0.00% | 100.00% | Stocks/Bonds | Audited | 12 | CPA | Yes | 24 | No | NA | 0 | 0 | N/A | 0 | No | 0 | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 785 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | Permanent Resident Alien | Permanent Resident Alien | N/A | Real ID Driver's License | xxx | xxx | xxx | I-151 Permanent Resident Card | xxx | Fee Simple | No | No | N/A | xxx | 12.24 | xxx | 12.24 | No | 80.0 | Yes | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000098537 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 5287.5 | xxx | 6.310% | No AUS | No | 6.701% | 6.625% | $6,575.99 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $9,266.91 | $21,062.40 | xxx | xxx | xxx | xxx | Monthly | 0.00% | 39.03% | 39.03% | No | Employed | Written Verification of Employment | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 43 | 33 | FNMA 1005 | 0 | No | 0 | Borrower - Wage, Overtime and Bonus, Other REO Net Rental Income(Loss) - Written VOE Verified - ["2023","2024","2025"] | Borrower - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 744 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | Permanent Resident Alien | Permanent Resident Alien | N/A | Other | USA Patriot Act | xxx | xxx | xxx | I-551 Permanent Resident Card | xxx | Fee Simple | No | No | N/A | xxx | 19.26 | xxx | 19.26 | No | 65.0 | Yes | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000098696 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 7380 | xxx | 6.310% | No AUS | No | 6.683% | 6.500% | $3,337.31 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $4,950.58 | $5,842.42 | xxx | xxx | xxx | xxx | Annually | 0.00% | 46.07% | 46.07% | No | Employed | Written Verification of Employment | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 55 | 33 | FNMA 1005 | 0 | No | 0 | N/A | Borrower - Wage - Written VOE Verified - ["2023","2024","2025"] | Borrower - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 802 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA PATRIOT ACT | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 50.79 | xxx | 50.79 | No | 80.0 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000098538 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 2720 | xxx | 6.310% | No AUS | No | 6.947% | 6.875% | $4,434.26 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $5,472.09 | $13,002.91 | $0.00 | 0.00% | 29.71% | 29.71% | No | Employed | Written Verification of Employment | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 31 | 31 | FNMA 1005 | 0 | No | 0 | Borrower - Wage - Written VOE Verified - ["2023","2024","2025"] | Borrower - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 801 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | Permanent Resident Alien | Permanent Resident Alien | N/A | Standard Driver's License - Not for federal use | xxx | xxx | xxx | I-551 Permanent Resident Card | xxx | Fee Simple | No | No | N/A | xxx | .75 | xxx | 0.75 | No | 75.0 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000099630 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 6.625% | $4,802.33 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $5,684.66 | $45,952.96 | $0.00 | 0.00% | 41.13% | 41.13% | Yes | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | Audited | 22 | CPA | Yes | 24 | No | NA | 0 | 0 | N/A | 0 | No | 0 | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 788 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | 75.89 | No | 60.0 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000097698 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 6.625% | $1,895.32 | Yes | 35.000% | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $2,204.01 | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Yes | Unknown | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0 | 0 | 0.00% | 0.00% | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | 0 | Yes | 1.361 | 1.352 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 816 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 12.51 | xxx | 12.51 | No | 80.0 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000098762 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 6820 | xxx | 6.310% | No AUS | No | 6.481% | 6.250% | $1,896.40 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $2,730.80 | $6,962.20 | xxx | xxx | xxx | xxx | Monthly | 0.00% | 29.32% | 29.32% | No | Employed | Written Verification of Employment | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 78 | 33 | FNMA 1005 | 0 | No | 0 | N/A | Borrower - Wage - Written VOE Verified - ["2023","2024","2025"] | Borrower - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 733 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | Permanent Resident Alien | Permanent Resident Alien | Other | USA Patriot ACT | xxx | xxx | xxx | I-551 Permanent Resident Card | xxx | Fee Simple | No | No | N/A | xxx | 1.45 | xxx | 1.45 | No | 47.83 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000100309 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 9975 | xxx | 6.540% | No AUS | No | 7.166% | 7.125% | $4,594.76 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $5,579.97 | $17,927.78 | $0.00 | 0.00% | 30.02% | 30.02% | No | Employed | Written Verification of Employment | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 30 | 30 | FNMA 1005 | 0 | No | 0 | N/A | Borrower - Wage, Commission - Written VOE Verified - ["2023","2024","2025"] | Borrower - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 757 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA PATRIOT ACT | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 5.68 | xxx | 5.68 | No | 78.84 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000099626 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 17242 | xxx | 6.290% | No AUS | No | 6.752% | 6.500% | $4,990.80 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $6,510.61 | $27,205.03 | $0.00 | 0.00% | 23.53% | 23.53% | No | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | Audited | 21 | CPA | Yes | 36 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 797 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA PATRIOT ACT | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 9.17 | xxx | 9.17 | No | 80.0 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000096055 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 1750.25 | xxx | 6.310% | LPA | LP Accept/Eligible | No | 8.250% | 7.750% | $2,076.16 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | $2,559.51 | $12,396.94 | $0.00 | 0.00% | 40.78% | 40.78% | Yes | Yes | Employed | Not Employed | Full Documentation | 2 | 0 | 2+ Months | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - Wage, Commission - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified - ["2025","2024","2023"] || Co Borrower - 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified - ["2025","2024","2023"] || Co Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 707 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 6.24 | xxx | 6.24 | No | 90.0 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000098294 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 10550 | xxx | 6.310% | No AUS | No | 6.622% | 6.375% | $2,838.60 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $4,527.98 | $30,506.69 | xxx | xxx | xxx | xxx | Monthly | 0.00% | 12.99% | 12.99% | No | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | Audited | 21 | Tax Preparer | Yes | 21 | No | NA | 0 | 0 | N/A | 0 | No | 0 | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 782 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | Non Permanent Resident Alien | Non-Permanent Resident Alien | Other | USA Patriot Act | xxx | xxx | xxx | Work Visa | xxx | Fee Simple | No | No | N/A | xxx | 57.06 | xxx | 57.06 | No | 65.0 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000099581 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 3200 | xxx | 6.310% | No AUS | No | 6.848% | 6.625% | $1,920.93 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $2,576.02 | $7,205.13 | $0.00 | 0.00% | 43.41% | 43.41% | No | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | Audited | 21 | Tax Preparer | Yes | 24 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - ["2025","2024"] | Borrower - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 788 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 4.11 | xxx | 4.11 | No | 33.41 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000096905 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 6.625% | $2,125.83 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $2,282.49 | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0.00% | 0 | 0 | No | 0 | 0 | 0 | Yes | 1.008 | 1.01 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 744 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 1797.29 | xxx | 1797.29 | No | 80.0 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000098454 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 1740 | xxx | 6.290% | No AUS | No | 7.500% | 7.375% | $1,519.48 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $2,165.53 | $3,455.47 | $0.00 | 0.00% | 43.11% | 43.11% | No | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 2 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 0.00% | 100.00% | N/A | 0 | N/A | Yes | 48 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 689 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | Permanent Resident Alien | Permanent Resident Alien | N/A | Real ID Driver's License | xxx | xxx | xxx | I-551 Stamp and Passport | xxx | Fee Simple | No | No | N/A | xxx | 7.10 | xxx | 7.1 | No | 57.14 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000095555 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 6.750% | $888.89 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $1,499.37 | $0.00 | xxx | xxx | xxx | xxx | Monthly | 0.00% | 0.00% | 0.00% | Yes | Yes | Unknown | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0 | 0 | 0.00% | 0.00% | 0.00% | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | 0 | Yes | 1.184 | 1.18 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified || Co Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 748 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Enhanced Driver's License (MI, MN, NY, VT, WA) | xxx | xxx | xxx | N/A | Non Permanent Resident Alien | Non-Permanent Non-US Citizen | Enhanced Driver's License (MI, MN, NY, VT, WA) | xxx | xxx | xxx | I-551 Stamp and Passport | xxx | Fee Simple | No | No | N/A | xxx | 681.47 | xxx | 681.47 | No | 70.0 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000100396 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 11556.25 | xxx | 6.160% | No AUS | No | 6.823% | 6.500% | $1,548.56 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $2,427.97 | $2,934.03 | xxx | xxx | xxx | xxx | Annually | 0.00% | 45.28% | 45.28% | No | Employed | Written Verification of Employment | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 31 | 32 | FNMA 1005 | 0 | No | 0 | N/A | Borrower - Wage - Written VOE Verified - ["2023","2024","2025"] | Borrower - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 731 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 3.26 | xxx | 2.54 | No | 70.0 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000097707 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 5.750% | $1,137.52 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $1,357.29 | $-5,790.74 | xxx | xxx | xxx | xxx | Annually | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0.00% | 0 | 0 | No | 0 | 0 | 0 | Yes | 1.179 | 1.179 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 786 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 21.73 | xxx | 21.73 | No | 75.0 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000094978 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | Appendix Q Documentation | 1715 | xxx | 6.220% | DU | DU Approve/Eligible | No | 6.652% | 6.625% | $5,161.22 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $6,531.24 | $37,389.47 | $0.00 | 0.00% | 31.15% | 31.15% | Yes | Yes | Employed | Self-Employed | Full Documentation | 2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 2 | 2 | 2 | 2 | 2 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 58.00% | Stocks/Bonds,Stocks/Bonds | N/A | 0 | N/A | Borrower Prepared | Borrower | 21 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - Wage, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified - ["2025","2024","2023"] || Co Borrower - SEPartnership, SEPartnership, SESCorp - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, YTD Profit And Loss Verified, Balance Sheet Verified, 2 YRS Executed 4506T Verified, 1040 Schedule E Verified - ["2024","2023"] | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 2 YRS Executed 4506T Verified - ["2025","2024","2023"] || Co Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 2 YRS Executed 4506T Verified, 1040 Schedule E Verified - ["2024","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 793 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 101.19 | xxx | 101.19 | No | 44.78 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000096703 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 2845 | xxx | 6.310% | No AUS | No | 6.469% | 6.375% | $1,971.43 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $2,216.22 | $4,703.78 | xxx | xxx | xxx | xxx | Monthly | 0.00% | 32.80% | 32.80% | No | Employed | Written Verification of Employment | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 38 | 33 | FNMA 1005 | 0 | No | 0 | Borrower - Wage - Written VOE Verified - ["2023","2024","2025"] | Borrower - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 780 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | Non Permanent Resident Alien | Non-Permanent Resident Alien | N/A | Other | USA PATRIOT ACT | xxx | xxx | xxx | Employment Authorization Document (I-821D) | xxx | Fee Simple | No | No | N/A | xxx | 3.80 | xxx | 3.8 | No | 66.53 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000093214 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 7.375% | $3,134.38 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $3,930.38 | $0.00 | xxx | xxx | xxx | xxx | Monthly | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0.00% | 0 | 0 | No | 0 | 0 | 0 | Yes | 1.018 | 1.017 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 783 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | 127.69 | No | 60.0 | Yes | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000100411 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 6950 | xxx | 6.240% | No AUS | No | 6.703% | 6.625% | $2,817.36 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $3,972.37 | $7,031.44 | xxx | xxx | xxx | xxx | Annually | 0.00% | 41.97% | 41.97% | No | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | Stocks/Bonds | Audited | 21 | CPA | Yes | 21 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 755 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 6.72 | xxx | 6.72 | No | 50.0 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000100242 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | Yes | No | N/A | N/A | DU | DU Approve/Eligible | No | 7.250% | $1,991.95 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $2,201.19 | $6,638.19 | $0.00 | 0.00% | 42.74% | 42.74% | Yes | Employed | Full Documentation | 1 | 1 Month | N/A | 0 | 0 | 0 | 2 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified - ["2024","2023","2025"] | Borrower - 2 YRS Executed 4506T Verified - ["2024","2023","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 772 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act Form | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 39.88 | xxx | 39.88 | No | 80.0 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000099292 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 6.875% | $3,869.31 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $5,134.49 | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0.00% | 0 | 0 | No | 0 | 0 | 0 | Yes | 1.071 | 1.185 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 771 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 11.75 | xxx | 11.75 | No | 60.0 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000099638 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 13950 | xxx | 6.240% | No AUS | No | 6.681% | 6.625% | $8,003.88 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $10,137.30 | $77,070.47 | $0.00 | 0.00% | 15.91% | 15.91% | No | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 100.00% | 100.00% | N/A | 0 | N/A | Yes | 30 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 770 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 16.26 | xxx | 16.26 | No | 64.1 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000096198 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 6.625% | $3,481.69 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $3,995.75 | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0 | 0 | No | 0 | 0 | 0 | Yes | 0.751 | 0.71 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 747 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 174.63 | xxx | 174.63 | No | 75.0 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000101066 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 10900 | xxx | 6.160% | No AUS | No | 6.771% | 6.500% | $2,654.68 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $3,227.12 | $8,499.88 | $0.00 | 0.00% | 34.62% | 34.62% | No | Employed | Written Verification of Employment | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 75 | 33 | FNMA 1005 | 0 | No | 0 | N/A | Borrower - Wage - Written VOE Verified - ["2023","2024","2025"] | Borrower - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 749 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA PATRIOT ACT | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 7.86 | xxx | 7.86 | No | 80.0 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000100397 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 5450 | xxx | 6.160% | No AUS | No | 6.771% | 6.500% | $2,022.61 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $2,833.75 | $4,686.93 | $0.00 | 0.00% | 40.67% | 40.67% | No | Employed | Written Verification of Employment | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | Stocks/Bonds | N/A | 0 | N/A | NA | 0 | No | Yes | 29 | 29 | FNMA 1005 | 0 | No | 0 | N/A | Borrower - Wage, Other REO Net Rental Income(Loss) - Written VOE Verified - ["2023","2024","2025"] | Borrower - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 808 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA PATRIOT ACT | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 34.62 | xxx | 34.62 | No | 80.0 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000098639 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 6.250% | $1,457.62 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $2,338.09 | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | 1 | 1 | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0.00% | 0 | 0 | No | 0 | 0 | 0 | Yes | 1.155 | 1.42 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 803 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 14.22 | xxx | 14.22 | No | 56.67 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000098652 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 22250 | xxx | 6.290% | No AUS | No | 6.774% | 6.500% | $6,257.47 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $8,230.50 | $34,302.02 | $0.00 | 0.00% | 39.42% | 39.42% | No | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | Third-Party Prepared (Unaudited) | 21 | CPA | Yes | 24 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 807 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA PATRIOT ACT | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | .66 | xxx | 0.66 | No | 60.0 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000098845 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | Yes | No | N/A | N/A | DU | DU Approve/Eligible | No | 6.625% | $1,135.75 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $1,624.66 | $15,338.70 | $0.00 | 0.00% | 23.98% | 23.98% | Yes | Yes | 1 | 1 | Employed | Employed | Full Documentation | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | Stocks/Bonds,Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified - ["2025"] || Co Borrower - Commission - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified - ["2025"] | Borrower - 2 YRS Executed 4506T Verified - ["2025"] || Co Borrower - 2 YRS Executed 4506T Verified - ["2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 811 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act Form | xxx | xxx | xxx | N/A | US Citizen | US Citizen | N/A | Other | US Patriot Act Form | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 81.26 | xxx | 81.26 | No | 75.0 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000101106 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 6.625% | $2,125.83 | Yes | 11.625% | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $2,475.29 | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | 1 | 1 | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0.00% | 0 | 0 | No | 0 | 0 | 0 | Yes | 1.091 | 1.09 | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 801 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | Unknown | N/A | xxx | 146.21 | xxx | 146.21 | No | 80.0 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000100853 | xxx | xxx | xxx | Yes | xxx | xxx | xxx | xxx | xxx | ATR/QM: Exempt | Yes | No | No | N/A | Appendix Q Documentation | 10265 | xxx | 6.240% | No AUS | No | 8.401% | 8.000% | $2,259.99 | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | $4,744.82 | $6,793.81 | xxx | xxx | xxx | xxx | Monthly | 0.00% | 49.37% | 49.37% | No | Yes | Self-Employed | Employed | 1YR Full Doc | 0 | 1 | NA | NA | N/A | 0 | N/A | 0 | 1 | 0 | 0 | 0 | 2 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 100.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - SESoleProprietor - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024"] || Co Borrower - Commission - 1 YR W2 1099 Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024"] | Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024"] || Co Borrower - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 721 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 28.49 | xxx | 28.49 | No | 80.0 | Yes | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000100250 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 7227.2 | xxx | 6.160% | No AUS | No | 6.704% | 6.625% | $3,670.39 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $4,901.25 | $23,569.11 | xxx | xxx | xxx | xxx | Monthly | 0.00% | 21.54% | 21.54% | No | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | N/A | 0 | 12 | No | 100.00% | 100.00% | N/A | 0 | N/A | Yes | 69 | No | NA | 0 | 0 | N/A | 0 | No | 0 | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 783 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | Permanent Resident Alien | Permanent Resident Alien | Real ID Driver's License | xxx | xxx | xxx | I-551 Permanent Resident Card | xxx | Fee Simple | No | No | N/A | xxx | 8.46 | xxx | 8.46 | No | 75.92 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000099814 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 6.500% | $2,054.22 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $2,808.88 | $0.00 | xxx | xxx | xxx | xxx | Annually | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0.00% | Stocks/Bonds | 0 | 0 | No | 0 | 0 | 0 | Yes | 1.264 | 1.26 | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 774 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 314.82 | xxx | 314.82 | No | 31.71 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000097309 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | Yes | No | N/A | N/A | DU | DU Approve/Eligible | No | 6.250% | $1,486.00 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $2,052.72 | $12,805.40 | $0.00 | 0.00% | 40.03% | 40.03% | Yes | Employed | Full Documentation | 2 | 2+ Months | N/A | 0 | 0 | 0 | 2 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | Stocks/Bonds | N/A | 0 | N/A | NA | 0 | No | Yes | 97 | 97 | Work Number | 0 | No | 0 | N/A | Borrower - Wage, Overtime and Bonus, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, Lease Agreements Verified - ["2023","2024","2025"] | Borrower - 2 YRS Executed 4506T Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 781 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 179.66 | xxx | 179.66 | No | 65.0 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000099013 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 6.625% | $1,024.50 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $1,390.32 | $0.00 | xxx | xxx | xxx | xxx | Annually | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0.00% | 0 | 0 | No | 0 | 0 | 0 | Yes | 1.151 | 1.151 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 736 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 461.41 | xxx | 461.41 | No | 50.0 | Yes | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000097777 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 6.625% | $1,280.62 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $1,742.61 | $0.00 | xxx | xxx | xxx | xxx | Monthly | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0.00% | 0 | 0 | No | 0 | 0 | 0 | Yes | 1.148 | 1.147 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 736 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 339.79 | xxx | 339.79 | No | 50.0 | No | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000099793 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 2055.25 | xxx | 6.240% | LPA | LP Accept/Eligible | No | 6.990% | 6.750% | $713.45 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $1,155.98 | $6,554.67 | xxx | xxx | xxx | xxx | Annually | 0.00% | 48.99% | 48.99% | Yes | Yes | Employed | Not Employed | Full Documentation | 2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 2 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 31 | 31 | Work Number | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - Wage, Other - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, Personal Bank Statements Verified - ["2023","2024","2025"] || Co Borrower - N/A | Borrower - 2 YRS Executed 4506T Verified - ["2023","2024","2025"] || Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 769 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 6.37 | xxx | 6.37 | No | 45.27 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000095821 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | Yes | No | N/A | N/A | LPA | LP Accept/Eligible | No | 6.750% | $1,191.79 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $1,418.79 | $4,951.99 | $0.00 | 0.00% | 43.19% | 43.19% | Yes | Yes | Employed | Self-Employed | Full Documentation | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 2 | 1 | 2 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% | Proceeds from Sale | N/A | 0 | N/A | Third-Party Prepared (Unaudited) | Tax Preparer | 9 | NA | 0 | No | 0 | Yes | 39 | 34 | Work Number | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO - Written VOE Verified, 2 YRS Executed 4506T Verified - ["2025","2024"] || Co Borrower - SESoleProprietor - 2 YRS Personal Tax Returns Verified, 1 YR Business Tax Returns Verified, YTD Profit And Loss Verified - ["2025","2024"] | Borrower - 2 YRS Executed 4506T Verified - ["2025","2024"] || Co Borrower - 2 YRS Personal Tax Returns Verified, 1 YR Business Tax Returns Verified - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 787 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | Patriot Ace | xxx | xxx | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 40.47 | xxx | 40.47 | No | 75.0 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000101429 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 5925 | xxx | 6.160% | No AUS | No | 6.852% | 6.750% | $4,254.80 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $5,207.47 | $9,185.63 | $0.00 | 0.00% | 39.02% | 39.02% | No | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 2 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 50.00% | Audited | 22 | CPA | Yes | 24 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SECorporation - CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 780 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | 0.22 | No | 68.33 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000097710 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 6.750% | $8,010.18 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $8,942.46 | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0.00% | 0 | 0 | No | 0 | 0 | 0 | Yes | 1.297 | 1.29 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 802 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | Permanent Resident Alien | Permanent Resident Alien | N/A | Real ID Driver's License | xxx | xxx | xxx | I-151 Permanent Resident Card | xxx | Fee Simple | No | No | N/A | xxx | 14.84 | xxx | 14.84 | No | 65.0 | N/A | xxx | xxx | xxx | xxx | 4 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000099596 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 16685 | xxx | 6.310% | No AUS | No | 7.154% | 6.875% | $4,677.33 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $5,729.83 | $7,174.85 | $0.00 | 0.00% | 44.62% | 44.62% | No | Employed | Written Verification of Employment | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 36 | 33 | FNMA 1005 | 0 | No | 0 | N/A | Borrower - Wage - Written VOE Verified - ["2023","2024","2025"] | Borrower - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 755 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA PATRIOT ACT | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 18.75 | xxx | 18.75 | No | 80.0 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000101345 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 6095 | xxx | 6.170% | No AUS | No | 6.633% | 6.375% | $1,572.15 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $1,844.74 | $4,907.45 | $0.00 | 0.00% | 32.67% | 32.67% | No | Employed | Written Verification of Employment | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 28 | 28 | FNMA 1005 | 0 | No | 0 | N/A | Borrower - Wage, Other - Written VOE Verified - ["2023","2024","2025"] | Borrower - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 744 | NA | 0 | 0 | 0 | 0 | 1 | 0 | 0 | Unknown | No | No | Permanent Resident Alien | Permanent Resident Alien | N/A | Other | USA PATRIOT ACT | xxx | xxx | xxx | I-551 Permanent Resident Card | xxx | Fee Simple | No | No | N/A | xxx | 4.06 | xxx | 4.06 | No | 57.93 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000101680 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 12125 | xxx | 6.170% | No AUS | No | 6.715% | 6.500% | $3,842.97 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $4,762.47 | $12,592.53 | xxx | xxx | xxx | xxx | Monthly | 0.00% | 35.49% | 35.49% | No | Employed | Written Verification of Employment | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 34 | 33 | FNMA 1005 | 0 | No | 0 | N/A | Borrower - Wage - Written VOE Verified - ["2023","2024","2025"] | Borrower - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 747 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | Permanent Resident Alien | Permanent Resident Alien | N/A | Other | USA Patriot Act | xxx | xxx | xxx | I-151 Permanent Resident Card | xxx | Fee Simple | No | No | N/A | xxx | 6.61 | xxx | 6.61 | No | 80.0 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000101049 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 2450 | xxx | 6.550% | No AUS | No | 8.154% | 9.250% | $5,729.93 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $7,256.77 | $13,713.80 | $0.00 | 0.00% | 35.49% | 33.67% | No | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | Audited | 21 | CPA | Yes | 94 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 753 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 6.63 | xxx | 6.29 | No | 54.84 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000098034 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 7120.6 | xxx | 6.290% | LPA | LP Accept/Eligible | No | 6.330% | 6.125% | $2,090.18 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $2,590.02 | $9,845.88 | $0.00 | 0.00% | 42.27% | 42.27% | Yes | Employed | Full Documentation | 2 | NA | N/A | 0 | 0 | 0 | 2 | 0 | Yes | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 360 | 33 | Work Number | 0 | No | 0 | N/A | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO, SSI and Disability - 2 YRS W2 1099 Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, Award Letter Verified - ["2023","2024","2025"] | Borrower - 2 YRS Executed 4506T Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 740 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 17.48 | xxx | 17.48 | No | 47.12 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000100440 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 10100 | xxx | 6.240% | No AUS | No | 7.056% | 6.625% | $1,408.68 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $1,966.57 | $4,119.73 | $0.00 | 0.00% | 49.34% | 49.34% | No | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 1 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | Third-Party Prepared (Unaudited) | 21 | Tax Preparer | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor - YTD Profit And Loss Verified, Executed 4506T Verified - ["2024","2025"] | Borrower - Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 664 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | 98.1 | No | 54.59 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000101057 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 5154.5 | xxx | 6.160% | No AUS | No | 6.644% | 6.500% | $2,341.49 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $3,235.79 | $8,330.21 | $0.00 | 0.00% | 33.36% | 33.36% | No | No | Employed | Employed | Written Verification of Employment | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 38 | 33 | FNMA 1005 | Yes | 37 | 33 | FNMA 1005 | No | 0 | N/A | Borrower - Wage - Written VOE Verified - ["2025","2024","2023"] || Co Borrower - Wage - Written VOE Verified - ["2025","2024","2023"] | Borrower - ["2025","2024","2023"] || Co Borrower - ["2025","2024","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 804 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot act | xxx | xxx | xxx | N/A | US Citizen | US Citizen | N/A | Other | USA Patriot act | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 51.12 | xxx | 51.12 | No | 77.99 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000098657 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 2614.26 | xxx | 6.290% | No AUS | No | 7.018% | 6.875% | $2,416.97 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $3,298.79 | $5,026.93 | $0.00 | 0.00% | 45.49% | 45.49% | No | Self-Employed | 24 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 2 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 24 | No | 100.00% | 100.00% | N/A | 0 | N/A | Yes | 48 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2023","2024","2025"] | Borrower - 2 YRS Executed 4506T Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 769 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 6.97 | xxx | 6.97 | No | 80.0 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000099777 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | Yes | No | N/A | N/A | DU | DU Approve/Eligible | No | 7.125% | $2,336.96 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $2,771.92 | $7,067.53 | $0.00 | 0.00% | 34.88% | 34.88% | Yes | Yes | Employed | Not Employed | Full Documentation | 2 | 0 | 2+ Months | NA | N/A | 0 | N/A | 0 | 1 | 1 | 0 | 1 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 1 YR Executed 4506T Verified, 1040 Schedule E Verified - [] || Co Borrower - null Personal Tax Returns Verified - [] | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified, 1 YR Executed 4506T Verified, 1040 Schedule E Verified - [] || Co Borrower - null Personal Tax Returns Verified - [] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 770 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act Form | xxx | xxx | xxx | N/A | US Citizen | US Citizen | N/A | Other | US Patriot Act Form | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 44.31 | xxx | 44.31 | No | 75.0 | N/A | xxx | xxx | xxx | xxx | 4 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000101533 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 6772 | xxx | 6.170% | No AUS | No | 6.624% | 6.250% | $1,499.88 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $2,790.89 | $4,197.11 | xxx | xxx | xxx | xxx | Monthly | 0.00% | 41.71% | 41.71% | No | Employed | Written Verification of Employment | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 48 | 34 | FNMA 1005 | 0 | No | 0 | N/A | Borrower - Wage - Written VOE Verified - ["2025","2024","2023"] | Borrower - ["2025","2024","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 774 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 6.63 | xxx | 6.63 | No | 43.58 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000101828 | xxx | xxx | xxx | Yes | xxx | xxx | xxx | xxx | xxx | ATR/QM: Exempt | Yes | No | No | N/A | Appendix Q Documentation | 12167.13 | xxx | 6.170% | No AUS | No | 8.193% | 7.875% | $3,208.00 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $4,508.01 | $14,067.87 | xxx | xxx | xxx | xxx | Annually | 0.00% | 28.02% | 28.02% | No | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 2 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 100.00% | 100.00% | N/A | 0 | N/A | Yes | 19 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - [] | Borrower - 2 YRS Executed 4506T Verified - [] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 712 | 7 | xxx | xxx | 1 | 54 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | Permanent Resident Alien | Permanent Resident Alien | N/A | Real ID Driver's License | xxx | xxx | xxx | I-151 Permanent Resident Card | xxx | Fee Simple | No | No | N/A | xxx | 8.38 | xxx | 8.38 | No | 74.99 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000101815 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 8537.5 | xxx | 6.170% | No AUS | No | 6.996% | 6.875% | $2,069.32 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $2,815.51 | $3,959.49 | $0.00 | 0.00% | 41.77% | 41.77% | No | Employed | Written Verification of Employment | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 129 | 33 | FNMA 1005 | 0 | No | 0 | N/A | Borrower - Wage - Written VOE Verified - ["2023","2024","2025"] | Borrower - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 801 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 25.31 | xxx | 25.31 | No | 75.0 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000102000 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 6.625% | $960.47 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $1,213.22 | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0.00% | 0 | 0 | No | 0 | 0 | 0 | Yes | 1.484 | 1.46 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 790 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA PATRIOT ACT | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | 115.21 | No | 53.57 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000101674 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 7.375% | $2,576.22 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $3,092.89 | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0.00% | 0 | 0 | No | 0 | 0 | 0 | Yes | 1.122 | 1.107 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 771 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 304.45 | xxx | 304.69 | No | 66.73 | N/A | xxx | xxx | xxx | xxx | 2 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000101678 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 7.250% | $2,942.90 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $3,534.32 | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0.00% | 0 | 0 | No | 0 | 0 | 0 | Yes | 1.253 | 1.258 | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 771 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 266.43 | xxx | 266.43 | No | 66.57 | N/A | xxx | xxx | xxx | xxx | 2 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000095493 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 2087 | xxx | 6.220% | No AUS | No | 6.535% | 6.500% | $8,027.26 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $10,671.58 | $13,482.48 | $0.00 | 0.00% | 45.30% | 45.30% | No | No | 4 | 1 | 1 | Employed | Retired | Not Employed | .00 | 2YR Full Doc | 2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 1 | NA | Yes | No | No | 0 | No | No | Yes | 0 | 0 | Yes | Yes | 3 | 0 | 0.00% | 0.00% | 0.00% | Stocks/Bonds,Proceeds from Sale | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 38 | 38 | Work Number | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - Wage, Overtime and Bonus, Other - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, IRS Transcripts Verified - ["2025","2023","2024"] || Co Borrower - SSI and Disability - 2 YRS Executed 4506T Verified, IRS Transcripts Verified, Award Letter Verified, Personal Bank Statements Verified - ["2025","2024","2023"] || Co Borrower 2 - IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, IRS Transcripts Verified - ["2025","2023","2024"] || Co Borrower - 2 YRS Executed 4506T Verified, IRS Transcripts Verified - ["2025","2024","2023"] || Co Borrower 2 - IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 728 | 780 | 777 | 784 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Permanent Resident Alien | Permanent Resident Alien | N/A | Real ID Driver's License | xxx | xxx | xxx | I-151 Permanent Resident Card | xxx | xxx | Fee Simple | No | No | N/A | xxx | 64.22 | xxx | 64.22 | No | 63.74 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000102023 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 4630 | xxx | 6.260% | No AUS | No | 6.941% | 6.625% | $1,628.95 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $2,351.83 | $4,161.17 | $0.00 | 0.00% | 44.52% | 44.52% | No | Employed | Written Verification of Employment | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 25 | 25 | FNMA 1005 | 0 | No | 0 | N/A | Borrower - Wage - Written VOE Verified - ["2023","2024","2025"] | Borrower - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 748 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot ACT | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 11.72 | xxx | 11.72 | No | 80.0 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000099783 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 8.500% | $21,250.00 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $23,136.46 | $35,517.77 | xxx | xxx | xxx | xxx | Annually | 0.00% | 44.57% | 44.57% | Yes | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 100.00% | 100.00% | N/A | 0 | N/A | Yes | 24 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, Business Bank Statements Verified - [] | Borrower - [] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 801 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 12.17 | xxx | 12.17 | No | 69.77 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000100495 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | Yes | No | N/A | N/A | LPA | LP Accept/Eligible | No | 6.750% | $1,143.15 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $2,312.19 | $14,556.31 | xxx | xxx | xxx | xxx | Monthly | 0.00% | 35.53% | 35.53% | Yes | Yes | Employed | Not Employed | Full Documentation | 1 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 89 | 34 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 1 YR W2 1099 Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - ["2025","2024","2023"] || Co Borrower - N/A | Borrower - 2 YRS Executed 4506T Verified - ["2025","2024","2023"] || Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 801 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 28.14 | xxx | 28.14 | No | 75.0 | Yes | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000101561 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | Appendix Q Documentation | 0 | xxx | 6.170% | DU | DU Approve/Eligible | No | 8.324% | 8.125% | $2,429.82 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | $2,932.40 | $13,314.65 | $0.00 | 0.00% | 41.86% | 41.86% | Yes | Self-Employed | Full Documentation | 0 | NA | N/A | 0 | 2 | 2 | 2 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | N/A | 0 | N/A | Yes | 24 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor, SESCorp, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, CPA Letter Verified, 2 YRS Executed 4506T Verified, 1040 Schedule E Verified - ["2023","2024"] | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 2 YRS Executed 4506T Verified, 1040 Schedule E Verified - ["2023","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 721 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 8.09 | xxx | 8.09 | No | 85.0 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000101770 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 6.750% | $1,735.00 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $2,377.83 | $0.00 | xxx | xxx | xxx | xxx | Monthly | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0.00% | 0 | 0 | No | 0 | 0 | 0 | Yes | 1.178 | 1.178 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 787 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Enhanced Driver's License (MI, MN, NY, VT, WA) | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 239.30 | xxx | 239.3 | No | 50.0 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000100789 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | Yes | No | N/A | N/A | DU | DU Approve/Eligible | No | 7.375% | $2,274.91 | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | $2,694.06 | $24,248.33 | xxx | xxx | xxx | xxx | Annually | 0.00% | 27.26% | 27.26% | Yes | Employed | Full Documentation | 1 | 2+ Months | N/A | 0 | 0 | 0 | 2 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified - ["2024","2025"] | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 784 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 127.28 | xxx | 127.28 | No | 85.0 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000100315 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 5948.96 | xxx | 6.160% | No AUS | No | 6.822% | 6.625% | $1,946.54 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $2,095.40 | $20,342.07 | $0.00 | 0.00% | 23.72% | 23.72% | Yes | Yes | Employed | Employed | Full Documentation | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | 0 | 0 | No | 0 | 0 | 0.00% | 0.00% | 0.00% | Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 102 | 102 | Work Number | Yes | 36 | 36 | Work Number | No | 0 | N/A | Borrower - Wage - Written VOE Verified, 2 YRS Executed 4506T Verified - ["2023","2024","2025"] || Co Borrower - Wage - Written VOE Verified, 2 YRS Executed 4506T Verified - ["2023","2024","2025"] | Borrower - 2 YRS Executed 4506T Verified - ["2023","2024","2025"] || Co Borrower - 2 YRS Executed 4506T Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 804 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act Form | xxx | xxx | xxx | N/A | US Citizen | US Citizen | N/A | Other | US Patriot Act Form | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 50.68 | xxx | 50.68 | No | 80.0 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000101046 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 6.500% | $1,793.49 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $2,375.33 | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | Proceeds from Sale | 0 | 0 | No | 0 | 0 | 0 | Yes | 1.01 | 1.01 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 801 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 32.10 | xxx | 32.1 | No | 74.67 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000096806 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | Yes | No | N/A | N/A | LPA | LP Accept/Eligible | No | 6.750% | $2,542.50 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $3,277.56 | $6,570.26 | $0.00 | 0.00% | 11.13% | 11.13% | Yes | Not Employed | Full Documentation | 1 | NA | N/A | 0 | 1 | 0 | 1 | 0 | Yes | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | Borrower - Retirement, SSI and Disability, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 1 YR W2 1099 Verified, 1 YR Executed 4506T Verified, Award Letter Verified, 1040 Schedule E Verified - ["2024","2025"] | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Executed 4506T Verified, 1040 Schedule E Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 793 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 16.43 | xxx | 16.86 | No | 64.79 | N/A | xxx | xxx | xxx | xxx | 3 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000099824 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 5977.45 | xxx | 6.240% | No AUS | No | 6.416% | 6.125% | $1,296.94 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $2,071.69 | $6,227.11 | xxx | xxx | xxx | xxx | Annually | 0.00% | 41.15% | 41.15% | No | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | Third-Party Prepared (Unaudited) | 21 | CPA | Yes | 24 | No | NA | 0 | 0 | N/A | 0 | No | 0 | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 756 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | .16 | xxx | 0.16 | No | 44.47 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000099225 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 1800 | xxx | 6.240% | LPA | LP Accept/Eligible | No | 7.125% | 7.000% | $1,521.88 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $2,271.69 | $31,704.82 | xxx | xxx | xxx | xxx | Monthly | 0.00% | 13.45% | 13.45% | Yes | Yes | Employed | Employed | Full Documentation | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 289 | 34 | Other | Yes | 118 | 34 | FNMA 1005 | No | 0 | N/A | Borrower - Wage, Overtime and Bonus - Written VOE Verified, 2 YRS Executed 4506T Verified - ["2025","2024","2023"] || Co Borrower - Wage - Written VOE Verified, 2 YRS Executed 4506T Verified - ["2025","2024","2023"] | Borrower - 2 YRS Executed 4506T Verified - ["2025","2024","2023"] || Co Borrower - 2 YRS Executed 4506T Verified - ["2025","2024","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 811 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 7.79 | xxx | 7.79 | No | 75.0 | Yes | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000100629 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | Yes | No | N/A | N/A | LPA | LP Accept/Eligible | No | 6.875% | $788.31 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $1,040.60 | $6,250.01 | $0.00 | 0.00% | 38.66% | 38.66% | Yes | Self-Employed | Full Documentation | 0 | NA | N/A | 0 | 1 | 0 | 1 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | N/A | 0 | N/A | Yes | 60 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, CPA Letter Verified, 1 YR Executed 4506T Verified - ["2024","2025"] | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 740 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 154.14 | xxx | 154.14 | No | 75.0 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000098863 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 1710 | xxx | 6.240% | No AUS | No | 6.926% | 6.875% | $2,864.21 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $3,330.40 | $20,686.37 | xxx | xxx | xxx | xxx | Annually | 0.00% | 40.80% | 40.80% | No | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 100.00% | 100.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 779 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 15.46 | xxx | 15.46 | No | 80.0 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000099647 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 6.875% | $5,058.35 | Yes | 35.000% | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $6,976.20 | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0.00% | 0 | 0 | No | 0 | 0 | 0 | Yes | 1.104 | 1.103 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 701 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | Non Permanent Resident Alien | Non-Permanent Resident Alien | N/A | Other | USA Patriot act | xxx | xxx | xxx | Employment Authorization Document (I-821D) | xxx | Fee Simple | No | No | N/A | xxx | 78.82 | xxx | 78.82 | No | 70.0 | N/A | xxx | xxx | xxx | xxx | 3 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000101869 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 6.875% | $2,920.05 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $3,999.25 | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Yes | Unknown | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0 | 0 | 0.00% | 0.00% | 0.00% | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | 0 | Yes | 1.0 | 1 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified || Co Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 793 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | xxx | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | 109.39 | No | 46.79 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000099722 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 1845 | xxx | 6.240% | No AUS | No | 6.790% | 6.750% | $3,787.81 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $4,278.83 | $6,708.33 | $0.00 | 0.00% | 39.19% | 39.19% | No | Employed | Asset Depletion – Total Asset Calculation | 0 | NA | N/A | 0 | 0 | 0 | 2 | 0 | NA | Yes | No | 80.0 | No | No | N/A | 0 | 0 | No | 0.00% | 100.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - Asset Depletion - 2 YRS Executed 4506T Verified, null Lease Agreements Verified | Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 756 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 253.19 | xxx | 253.19 | No | 80.0 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000101377 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 6.875% | $2,148.81 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $2,600.94 | $0.00 | xxx | xxx | xxx | xxx | Annually | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0.00% | Stocks/Bonds | 0 | 0 | No | 0 | 0 | 0 | Yes | 1.0 | 1 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 797 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 283.52 | xxx | 283.59 | No | 66.21 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000101829 | xxx | xxx | xxx | Yes | xxx | xxx | xxx | xxx | xxx | ATR/QM: Exempt | Yes | No | No | N/A | Appendix Q Documentation | 1790 | xxx | 6.170% | No AUS | No | 6.962% | 6.875% | $2,358.37 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $2,995.37 | $4,428.72 | $0.00 | 0.00% | 43.05% | 43.05% | No | No | Self-Employed | Not Employed | 1YR Full Doc | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 1 | 0 | 0 | 0 | 2 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% | 0.00% | Audited | 10 | Accountant/Bookkeeper | N/A | N/A | 0 | Yes | 48 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - SESoleProprietor, SESoleProprietor - 1 YR Personal Tax Returns Verified, CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024"] || Co Borrower - N/A - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024"] | Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024"] || Co Borrower - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 751 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | xxx | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 14.05 | xxx | 14.05 | No | 64.22 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000100777 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | Yes | No | N/A | N/A | DU | DU Approve/Eligible | No | 7.625% | $2,226.01 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | $2,628.62 | $10,901.78 | $0.00 | 0.00% | 44.29% | 44.29% | Yes | Yes | Employed | Employed | Full Documentation | 0 | 2 | NA | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 86 | 34 | Work Number | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO - Written VOE Verified, 2 YRS Executed 4506T Verified - ["2024","2023","2025"] || Co Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified - ["2024"] | Borrower - 2 YRS Executed 4506T Verified - ["2024","2023","2025"] || Co Borrower - 2 YRS Executed 4506T Verified - ["2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 787 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 83.17 | xxx | 83.17 | No | 85.0 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000102776 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 6.375% | $4,211.12 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $5,109.50 | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0.00% | 0 | 0 | No | 0 | 0 | 0 | Yes | 1.018 | 1.018 | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 801 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 8.81 | xxx | 8.81 | No | 69.95 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000101603 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 4376.82 | xxx | 6.170% | No AUS | No | 6.914% | 6.750% | $2,189.66 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $2,777.51 | $12,848.83 | $0.00 | 0.00% | 21.40% | 21.40% | Yes | Yes | Employed | Employed | 2YR Full Doc | 1 | 1 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 39 | 34 | Work Number | Yes | 237 | 34 | Work Number | No | 0 | Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] || Co Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] || Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 806 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 12.76 | xxx | 12.76 | No | 80.0 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000098820 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 1390 | xxx | 6.240% | LPA | LP Accept/Eligible | No | 6.537% | 6.500% | $2,844.30 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $3,324.68 | $59,466.08 | $0.00 | 0.00% | 13.80% | 13.80% | Yes | Yes | Employed | Employed | Full Documentation | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified - ["2023","2024"] || Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified - ["2023","2024"] || Co Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 778 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 141.04 | xxx | 141.04 | No | 50.0 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000100683 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 2665 | xxx | 6.160% | No AUS | No | 7.040% | 6.875% | $5,764.55 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $7,303.14 | $13,191.89 | $0.00 | 0.00% | 48.03% | 48.03% | No | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 2 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 100.00% | 0.00% | N/A | 0 | N/A | Yes | 44 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] | Borrower - 2 YRS Executed 4506T Verified - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 686 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 61.97 | xxx | 61.97 | No | 65.0 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000102193 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 15635 | xxx | 6.260% | No AUS | No | 7.020% | 6.875% | $9,091.89 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $11,202.55 | $29,601.75 | $0.00 | 0.00% | 31.74% | 31.74% | No | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 55.00% | Stocks/Bonds | Third-Party Prepared (Unaudited) | 22 | Tax Preparer | Yes | 24 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SEPartnership - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 710 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 27.90 | xxx | 27.9 | No | 80.0 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000100834 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 6.500% | $3,531.68 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $4,392.80 | $106,490.10 | $0.00 | 0.00% | 5.54% | 5.54% | Yes | Yes | Self-Employed | Employed | 2YR Full Doc | 2 | 2 | NA | 1 Month | N/A | 0 | N/A | 0 | 2 | 2 | 2 | 2 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 100.00% | 100.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 2 YRS W2 1099 Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Lease Agreements Verified, 1040 Schedule E Verified - ["2024","2025"] || Co Borrower - Wage, SEPartnership, SEPartnership - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - ["2024","2025"] || Co Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 795 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx | N/A | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 379.20 | xxx | 379.2 | No | 75.0 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000102401 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 23395 | xxx | 6.260% | No AUS | No | 7.069% | 6.875% | $9,459.77 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $11,519.86 | $33,022.14 | xxx | xxx | xxx | xxx | Monthly | 0.00% | 33.96% | 33.96% | No | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | 0.00% | 100.00% | Third-Party Prepared (Unaudited) | 12 | Tax Preparer | Yes | 24 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - ["2022","2023","2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2022","2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 782 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 13.21 | xxx | 13.21 | No | 80.0 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000099115 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 7.250% | $3,504.68 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $4,768.00 | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | Stocks/Bonds,Stocks/Bonds | 0 | 0 | No | 0 | 0 | 0 | Yes | 0.792 | 0.792 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 766 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 20.57 | xxx | 20.57 | No | 75.0 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000102552 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 7.125% | $1,995.00 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $2,694.07 | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0.00% | 0 | 0 | No | 0 | 0 | 0 | Yes | 1.076 | 1.08 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 786 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | Permanent Resident Alien | Permanent Resident Alien | N/A | Real ID Driver's License | xxx | xxx | xxx | I-551 Permanent Resident Card | xxx | Fee Simple | No | No | N/A | xxx | 37.83 | xxx | 37.83 | No | 70.0 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000099848 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | Yes | No | N/A | N/A | 1805 | xxx | 6.160% | LPA | LP Accept/Eligible | No | 7.393% | 7.250% | $1,023.26 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $1,300.41 | $3,989.16 | $0.00 | 0.00% | 39.64% | 39.64% | Yes | Self-Employed | Full Documentation | 0 | NA | N/A | 0 | 1 | 0 | 2 | 1 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2025"] | Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 775 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 64.33 | xxx | 176.01 | No | 61.73 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000098515 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 6.875% | $1,445.24 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $1,608.20 | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Yes | Unknown | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0 | 0 | 0.00% | 0.00% | 0.00% | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | 0 | Yes | 1.293 | 1.293 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified || Co Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 723 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 8.67 | xxx | 9.88 | No | 61.97 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000099428 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 6.625% | $1,097.49 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $1,570.79 | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Yes | Unknown | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0 | 0 | 0.00% | 0.00% | 0.00% | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | 0 | Yes | 1.273 | 1.273 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified || Co Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 811 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA PATRIOT ACT | xxx | xxx | xxx | N/A | US Citizen | US Citizen | N/A | Other | USA PATRIOT ACT | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 17.49 | xxx | 17.49 | No | 59.52 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000102670 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 7.625% | $1,528.83 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $2,378.36 | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0.00% | Stocks/Bonds | 0 | 0 | No | 0 | 0 | 0 | Yes | 1.093 | 1.09 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 731 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA PATRIOT ACT | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 37.93 | xxx | 37.93 | No | 75.0 | N/A | xxx | xxx | xxx | xxx | 2 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000102570 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 5397.67 | xxx | 6.260% | No AUS | No | 6.475% | 6.375% | $4,016.47 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $4,551.32 | $15,426.89 | $0.00 | 0.00% | 42.37% | 42.37% | No | No | Self-Employed | Self-Employed | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 50.00% | 50.00% | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | Yes | 24 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - SECorporation - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] || Co Borrower - SECorporation, Other REO Net Rental Income(Loss) - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] | Borrower - 2 YRS Executed 4506T Verified - ["2025","2024"] || Co Borrower - 2 YRS Executed 4506T Verified - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 745 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 14.76 | xxx | 14.76 | No | 60.0 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000100358 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 1890 | xxx | 6.160% | LPA | LP Accept/Eligible | No | 7.736% | 7.500% | $892.02 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | $1,152.05 | $14,733.95 | $0.00 | 0.00% | 20.21% | 20.21% | Yes | Yes | Employed | Employed | Full Documentation | 2 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 140 | 34 | Work Number | Yes | 22 | 22 | Work Number | No | 0 | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - ["2025","2024","2023"] || Co Borrower - Wage - Written VOE Verified, 2 YRS Executed 4506T Verified - ["2025","2024","2023"] | Borrower - 2 YRS Executed 4506T Verified - ["2025","2024","2023"] || Co Borrower - 2 YRS Executed 4506T Verified - ["2025","2024","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 813 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | US Citizen | US Citizen | N/A | Other | USA Patriot act | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 3.02 | xxx | 3.02 | No | 90.0 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000103854 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | Yes | No | N/A | N/A | DU | DU Approve/Eligible | No | 6.750% | $1,357.19 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $1,775.45 | $7,598.29 | xxx | xxx | xxx | xxx | Monthly | 0.00% | 42.14% | 42.14% | Yes | Yes | Employed | Retired | Full Documentation | 2 | 2 | Less than 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 360 | 34 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - Wage, Overtime and Bonus, Commission, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, Less than 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - ["2025","2024","2023"] || Co Borrower - Retirement - 2 YRS W2 1099 Verified, 2 YRS Executed 4506T Verified - ["2025"] | Borrower - 2 YRS Executed 4506T Verified - ["2025","2024","2023"] || Co Borrower - 2 YRS Executed 4506T Verified - ["2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 795 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 321.98 | xxx | 321.98 | No | 75.0 | Yes | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000099087 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 6.750% | $5,512.50 | Yes | 35.000% | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $5,862.48 | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Yes | Unknown | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0 | 0 | 0.00% | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | 0 | Yes | 0.955 | 0.955 | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 798 | NA | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA PATRIOT ACT | xxx | xxx | xxx | N/A | US Citizen | US Citizen | N/A | Other | USA PATRIOT ACT | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | 164.01 | No | 57.65 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000102252 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 7659.78 | xxx | 6.260% | No AUS | No | 6.726% | 6.625% | $1,767.19 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $2,915.81 | $7,160.76 | xxx | xxx | xxx | xxx | Monthly | 0.00% | 44.49% | 44.49% | No | Employed | Written Verification of Employment | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 53 | 33 | FNMA 1005 | 0 | No | 0 | N/A | Borrower - Wage, Other REO Net Rental Income(Loss) - Written VOE Verified - ["2023","2024","2025"] | Borrower - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 796 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA PATRIOT ACT | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 1.14 | xxx | 1.14 | No | 60.0 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000102489 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 6805 | xxx | 6.260% | No AUS | No | 6.815% | 6.500% | $1,504.32 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $2,066.12 | $4,293.88 | $0.00 | 0.00% | 32.91% | 32.91% | No | Employed | Written Verification of Employment | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 30 | 30 | FNMA 1005 | 0 | No | 0 | N/A | Borrower - Wage - Written VOE Verified - ["2025","2024","2023"] | Borrower - ["2025","2024","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 741 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | Permanent Resident Alien | Permanent Resident Alien | N/A | Other | USA Patriot Act | xxx | xxx | xxx | I-151 Permanent Resident Card | xxx | Fee Simple | No | No | N/A | xxx | 29.83 | xxx | 29.83 | No | 70.0 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000102025 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 8650 | xxx | 6.260% | No AUS | No | 6.908% | 6.625% | $2,048.99 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $2,780.72 | $4,384.28 | xxx | xxx | xxx | xxx | Monthly | 0.00% | 39.11% | 39.11% | No | Employed | Written Verification of Employment | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 32 | 32 | FNMA 1005 | 0 | No | 0 | N/A | Borrower - Wage - Written VOE Verified - ["2025","2024","2023"] | Borrower - ["2025","2024","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 792 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 8.94 | xxx | 8.94 | No | 79.0 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000102034 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 16950 | xxx | 6.260% | No AUS | No | 7.448% | 7.375% | $4,282.18 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $5,234.59 | $7,304.27 | $0.00 | 0.00% | 44.33% | 44.33% | No | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | Audited | 21 | Tax Preparer | Yes | 24 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2025","2024"] | Borrower - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 794 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 9.29 | xxx | 9.29 | No | 80.0 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000101326 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 6.750% | $1,621.50 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $2,010.56 | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Yes | Unknown | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0 | 0 | 0.00% | 0.00% | 0.00% | Proceeds from Sale | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | 0 | Yes | 1.144 | 1.14 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified || Co Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 777 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | xxx | xxx | N/A | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 122.91 | xxx | 122.91 | No | 62.5 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000101808 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 5959.38 | xxx | 6.170% | No AUS | No | 6.636% | 6.375% | $1,520.68 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $2,140.63 | $4,890.94 | xxx | xxx | xxx | xxx | Annually | 0.00% | 30.44% | 30.44% | No | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | Audited | 22 | CPA | Yes | 24 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 777 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | Permanent Resident Alien | Permanent Resident Alien | N/A | Other | US Patriot Act | xxx | xxx | xxx | I-151 Permanent Resident Card | xxx | Fee Simple | No | No | N/A | xxx | 11.64 | xxx | 11.64 | No | 65.0 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000102704 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 9013.75 | xxx | 6.260% | No AUS | No | 6.998% | 6.875% | $1,770.42 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $2,433.89 | $2,711.11 | $0.00 | 0.00% | 39.83% | 39.83% | No | Employed | Written Verification of Employment | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 57 | 34 | FNMA 1005 | 0 | No | 0 | N/A | Borrower - Wage - Written VOE Verified - ["2023","2024","2025"] | Borrower - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 718 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | Permanent Resident Alien | Permanent Resident Alien | N/A | Other | USA Patriot Act | xxx | xxx | xxx | I-151 Permanent Resident Card | xxx | Fee Simple | No | No | N/A | xxx | 13.89 | xxx | 13.89 | No | 70.0 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000102646 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 11933 | xxx | 6.260% | No AUS | No | 6.796% | 6.625% | $2,285.91 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $2,699.12 | $4,759.88 | $0.00 | 0.00% | 36.53% | 36.53% | No | Employed | Written Verification of Employment | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 34 | 34 | FNMA 1005 | 0 | No | 0 | N/A | Borrower - Wage - Written VOE Verified - ["2023","2024","2025"] | Borrower - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 808 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | Permanent Resident Alien | Permanent Resident Alien | N/A | Other | Patriot Act | xxx | xxx | xxx | I-151 Permanent Resident Card | xxx | Fee Simple | No | No | N/A | xxx | 2.86 | xxx | 2.86 | No | 70.0 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000101534 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 8318.13 | xxx | 6.170% | No AUS | No | 6.851% | 6.500% | $1,929.38 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $2,634.35 | $3,825.65 | $0.00 | 0.00% | 41.14% | 41.14% | No | Employed | Written Verification of Employment | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 35 | 33 | FNMA 1005 | 0 | No | 0 | N/A | Borrower - Wage - Written VOE Verified - ["2025","2024","2023"] | Borrower - ["2025","2024","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 767 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 10.23 | xxx | 10.23 | No | 75.0 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000102035 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 8240.8 | xxx | 6.260% | No AUS | No | 7.063% | 6.875% | $2,974.04 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $4,038.14 | $5,898.86 | xxx | xxx | xxx | xxx | Annually | 0.00% | 46.37% | 46.37% | No | No | Employed | Employed | Written Verification of Employment | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 31 | 31 | FNMA 1005 | Yes | 29 | 29 | FNMA 1005 | No | 0 | N/A | Borrower - Wage - Written VOE Verified - ["2025","2024","2023"] || Co Borrower - Wage - Written VOE Verified - ["2025","2024","2023"] | Borrower - ["2025","2024","2023"] || Co Borrower - ["2025","2024","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 761 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx | N/A | Permanent Resident Alien | Permanent Resident Alien | Other | USA Patriot Act | xxx | xxx | xxx | I-151 Permanent Resident Card | xxx | Fee Simple | No | No | N/A | xxx | 10.69 | xxx | 10.69 | No | 80.0 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000102486 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 2450 | xxx | 6.260% | No AUS | No | 6.812% | 6.750% | $3,113.27 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $3,756.82 | $17,506.20 | xxx | xxx | xxx | xxx | Annually | 0.00% | 23.46% | 23.46% | No | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | Audited | 22 | Tax Preparer | Yes | 24 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 710 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | 78.79 | No | 45.71 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000099314 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 6.625% | $1,439.86 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $2,099.99 | $0.00 | xxx | xxx | $0.00 | Annually | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0.00% | 0 | 0 | No | 0 | 0 | 0 | Yes | 1.0 | 1 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 690 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 22.73 | xxx | 22.73 | No | 74.98 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000100157 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | Yes | No | N/A | N/A | DU | DU Approve/Eligible | No | 7.375% | $1,604.76 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | $2,075.69 | $11,289.38 | $0.00 | 0.00% | 11.93% | 11.93% | Yes | Yes | Employed | Employed | Full Documentation | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 22 | 22 | Work Number | Yes | 17 | 17 | Work Number | No | 0 | N/A | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - ["2025"] || Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - ["2024","2025"] | Borrower - 2 YRS Executed 4506T Verified - ["2025"] || Co Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 777 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 20.24 | xxx | 20.24 | No | 85.0 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000100975 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | Yes | No | N/A | N/A | LPA | LP Accept/Eligible | No | 6.750% | $692.38 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $1,197.46 | $10,585.86 | xxx | xxx | xxx | xxx | Monthly | 0.00% | 24.27% | 24.27% | Yes | Yes | Employed | Employed | Full Documentation | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 0 | NA | Yes | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% | Proceeds from Sale | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 91 | 33 | FNMA 1005 | No | 0 | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 1 YR Executed 4506T Verified - ["2023","2024","2025"] || Co Borrower - Wage, Retirement - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 1 YR Executed 4506T Verified, Award Letter Verified - ["2023","2024","2025"] | Borrower - 1 YR Executed 4506T Verified - ["2023","2024","2025"] || Co Borrower - 1 YR Executed 4506T Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 762 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 21.02 | xxx | 21.02 | No | 70.0 | Yes | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000100179 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 7.000% | $831.62 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $1,613.94 | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Yes | Unknown | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0 | 0 | 0.00% | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | 0 | Yes | 1.921 | 1.921 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 696 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 19.70 | xxx | 19.7 | No | 20.49 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000100000 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | Yes | No | N/A | N/A | DU | DU Approve/Eligible | No | 7.375% | $4,005.91 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $4,700.84 | $12,262.09 | xxx | xxx | xxx | xxx | Monthly | 0.00% | 48.00% | 48.00% | Yes | Yes | Retired | Retired | Full Documentation | 1 | 1 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | Yes | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - SSI and Disability, Retirement, Subject Property Net Rental Income(Loss) if NOO - 1 YR W2 1099 Verified - ["2024"] || Co Borrower - SSI and Disability, Retirement, Other, Other REO Net Rental Income(Loss) - 1 YR W2 1099 Verified, Award Letter Verified - ["2024","2025"] | Borrower - ["2024"] || Co Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 783 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 646.61 | xxx | 646.61 | No | 80.0 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000102445 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 7480 | xxx | 6.260% | No AUS | No | 6.280% | 6.125% | $3,092.74 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $3,939.48 | $6,788.52 | $0.00 | 0.00% | 43.43% | 43.43% | No | Employed | Written Verification of Employment | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 60 | 33 | FNMA 1005 | 0 | No | 0 | Borrower - Wage - Written VOE Verified - ["2023","2024","2025"] | Borrower - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 793 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | Permanent Resident Alien | Permanent Resident Alien | N/A | Real ID Driver's License | xxx | xxx | xxx | I-551 Permanent Resident Card | xxx | Fee Simple | No | No | N/A | .00 | .00 | xxx | 0.29 | No | 59.88 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000101812 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 2095 | xxx | 6.170% | No AUS | No | 6.796% | 6.750% | $3,405.14 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $4,254.57 | $8,381.73 | xxx | xxx | xxx | xxx | Annually | 0.00% | 45.92% | 45.92% | No | Employed | Written Verification of Employment | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 24 | 24 | FNMA 1005 | 0 | No | 0 | N/A | Borrower - Wage, Overtime and Bonus, Other REO Net Rental Income(Loss) - Written VOE Verified - ["2025","2024","2023"] | Borrower - ["2025","2024","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 808 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | xxx | xxx | N/A | Fee Simple | No | Yes | N/A | .00 | .00 | .00 | 0 | No | 70.0 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000102471 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 6.875% | $2,940.74 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $3,749.97 | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | Proceeds from Sale | 0 | 0 | No | 0 | 0 | 0 | Yes | 0.773 | 0.773 | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 716 | NA | 0 | 0 | 0 | 0 | 1 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Passport | xxx | xxx | xxx | xxx | xxx | N/A | Fee Simple | No | Unknown | N/A | xxx | 6.66 | xxx | 6.66 | No | 70.0 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000102450 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 11632.5 | xxx | 6.260% | No AUS | No | 7.057% | 6.875% | $5,222.58 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $6,236.79 | $8,705.21 | $0.00 | 0.00% | 45.23% | 45.23% | No | Employed | Written Verification of Employment | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 66 | 33 | FNMA 1005 | 0 | No | 0 | N/A | Borrower - Wage - Written VOE Verified - ["2023","2024","2025"] | Borrower - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 729 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | .11 | xxx | 0.11 | No | 75.0 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000101314 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 38994.98 | xxx | 6.170% | No AUS | No | 6.798% | 6.500% | $9,481.01 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $12,283.80 | $13,076.38 | $0.00 | 0.00% | 49.49% | 49.49% | No | Employed | Written Verification of Employment | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 41 | 34 | FNMA 1005 | 0 | No | 0 | N/A | Borrower - Wage, Commission - Written VOE Verified - ["2023","2024","2025"] | Borrower - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 704 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 79.94 | xxx | 79.94 | No | 59.41 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000100361 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 31850 | xxx | 6.240% | No AUS | No | 6.984% | 6.875% | $19,707.86 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $26,367.25 | $61,743.75 | xxx | xxx | xxx | xxx | Monthly | 0.00% | 30.00% | 30.00% | No | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 2 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | Third-Party Prepared (Unaudited) | 21 | CPA | Yes | 119 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified - ["2024","2025"] | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 808 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | Permanent Resident Alien | Permanent Resident Alien | N/A | Other | USA PATRIOT ACT | xxx | xxx | xxx | I-551 Permanent Resident Card | xxx | Fee Simple | No | No | N/A | .00 | .00 | xxx | 110.84 | No | 37.5 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000102899 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 7.000% | $1,240.78 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $1,669.45 | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Yes | Unknown | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0 | 0 | 0.00% | 0.00% | 0.00% | Proceeds from Sale | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | 0 | Yes | 2.216 | 2.216 | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified || Co Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 797 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | US Patriot Act | xxx | xxx | xxx | N/A | US Citizen | US Citizen | N/A | Other | USA Patriot | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 11.89 | xxx | 11.89 | No | 62.17 | N/A | xxx | xxx | xxx | xxx | 3 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000101466 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 7.125% | $8,084.62 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $10,129.20 | $50,903.86 | $0.00 | 0.00% | 27.87% | 27.87% | Yes | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | Audited | 22 | CPA | Yes | 72 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, Lease Agreements Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 789 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | Unknown | N/A | xxx | 9.54 | xxx | 9.54 | No | 80.0 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000102449 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 9903 | xxx | 6.260% | No AUS | No | 6.540% | 6.250% | $2,608.17 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $3,808.38 | $6,210.15 | xxx | xxx | xxx | xxx | Monthly | 0.00% | 38.28% | 38.28% | No | Employed | Written Verification of Employment | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 47 | 36 | FNMA 1005 | 0 | No | 0 | N/A | Borrower - Wage, Overtime and Bonus - Written VOE Verified - ["2023","2024","2025"] | Borrower - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 780 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | Permanent Resident Alien | Permanent Resident Alien | N/A | Real ID Driver's License | xxx | xxx | xxx | I-551 Permanent Resident Card | xxx | Fee Simple | No | No | N/A | xxx | 105.09 | xxx | 105.09 | No | 51.43 | Yes | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000101048 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 5845 | xxx | 6.160% | No AUS | No | 6.579% | 6.500% | $4,740.51 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $5,767.43 | $11,016.28 | xxx | xxx | xxx | xxx | Annually | 0.00% | 37.99% | 37.99% | No | Employed | Written Verification of Employment | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 27 | 27 | FNMA 1005 | 0 | No | 0 | N/A | Borrower - Wage, Overtime and Bonus - Written VOE Verified - ["2025","2024","2023"] | Borrower - ["2025","2024","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 767 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 14.06 | xxx | 14.06 | No | 69.32 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000101065 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 2490 | xxx | 6.170% | No AUS | No | 6.809% | 6.750% | $3,262.44 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $4,352.25 | $6,776.60 | $0.00 | 0.00% | 42.12% | 42.12% | No | Employed | Written Verification of Employment | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 70 | 34 | FNMA 1005 | 0 | No | 0 | N/A | Borrower - Wage, Overtime and Bonus - Written VOE Verified - ["2023","2024","2025"] | Borrower - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 759 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | Permanent Resident Alien | Permanent Resident Alien | N/A | Other | USA Patriot Act | xxx | xxx | xxx | I-151 Permanent Resident Card | xxx | Fee Simple | No | No | N/A | xxx | 5.17 | xxx | 5.17 | No | 52.95 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000100175 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 6.375% | $1,871.61 | Yes | 35.000% | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $2,470.06 | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0.00% | 0 | 0 | No | 0 | 0 | 0 | Yes | 1.376 | 1.376 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 768 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | 79.81 | No | 56.88 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000103361 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 7.000% | $1,796.32 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $2,989.51 | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Yes | 4 | 1 | 1 | Unknown | Unknown | Unknown | .00 | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0 | 0 | 0.00% | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | 0 | Yes | 1.739 | 1.739 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified || Co Borrower 2 - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified || Co Borrower 2 - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 703 | 728 | 703 | 692 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 63.06 | xxx | 63.06 | No | 60.0 | N/A | xxx | xxx | xxx | xxx | 4 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000101853 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 6.375% | $6,784.37 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $8,692.13 | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0 | 0 | No | 0 | 0 | 0 | Yes | 1.289 | 1.33 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 745 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 26.88 | xxx | 26.88 | No | 43.61 | N/A | xxx | xxx | xxx | xxx | 4 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000100760 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 6.625% | $1,586.69 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $1,823.85 | $0.00 | xxx | xxx | xxx | xxx | Annually | 0.00% | 0.00% | 0.00% | Yes | Yes | Unknown | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0 | 0 | 0.00% | 0.00% | 0.00% | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | 0 | Yes | 1.179 | 1.18 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified || Co Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 778 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | xxx | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 26.17 | xxx | 26.17 | No | 60.0 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000101512 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 1670 | xxx | 6.170% | No AUS | No | 6.654% | 6.625% | $5,015.31 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $5,627.10 | $14,553.58 | xxx | xxx | xxx | xxx | Annually | 0.00% | 35.04% | 35.04% | No | No | Retired | Employed | 2YR Full Doc | 0 | 2 | NA | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 62 | 34 | Other | No | 0 | N/A | Borrower - Other || Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - ["2025","2024","2023"] | Borrower || Co Borrower - 2 YRS Executed 4506T Verified - ["2025","2024","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 790 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 11.72 | xxx | 11.72 | No | 80.0 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000098237 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 6.625% | $1,301.11 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $1,985.15 | $0.00 | xxx | xxx | xxx | xxx | Annually | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0.00% | 0 | 0 | No | 0 | 0 | 0 | Yes | 1.007 | 1.007 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 735 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 10.44 | xxx | 10.44 | No | 80.0 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000104021 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 7.000% | $1,027.89 | Yes | 12.000% | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $1,463.13 | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0.00% | 0 | 0 | No | 0 | 0 | 0 | Yes | 0.854 | 0.861 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 722 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 20.22 | xxx | 20.22 | No | 75.0 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000102485 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 2745 | xxx | 6.260% | No AUS | No | 7.109% | 7.000% | $2,817.50 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $4,250.23 | $20,001.58 | xxx | xxx | xxx | xxx | Monthly | 0.00% | 17.93% | 21.56% | No | Employed | Written Verification of Employment | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 34 | 34 | FNMA 1005 | 0 | No | 0 | N/A | Borrower - Wage - Written VOE Verified - ["2023","2024","2025"] | Borrower - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 781 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 1.20 | xxx | 1.2 | No | 70.0 | Yes | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000102281 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 6.875% | $4,227.33 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $5,569.71 | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0.00% | Proceeds from Sale | 0 | 0 | No | 0 | 0 | 0 | Yes | 1.005 | 1070 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 793 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 18.22 | xxx | 18.22 | No | 55.0 | N/A | xxx | xxx | xxx | xxx | 3 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000096317 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 6.250% | $5,818.53 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $6,699.66 | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Yes | Unknown | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0 | 0 | 0.00% | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | 0 | Yes | 1.343 | 1.34 | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 745 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | xxx | xxx | N/A | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 12.53 | xxx | 12.75 | No | 64.73 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000101810 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 7.625% | $3,262.92 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $3,711.49 | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0.00% | 0 | 0 | No | 0 | 0 | 0 | Yes | 0.539 | 0.539 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 788 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Passport | xxx | xxx | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 68.10 | xxx | 68.1 | No | 74.96 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000103200 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 7.250% | $1,555.36 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $2,030.69 | $0.00 | xxx | xxx | xxx | xxx | Annually | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0.00% | 0 | 0 | No | 0 | 0 | 0 | Yes | 0.985 | 0.985 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 804 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA PATRIOT ACT | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 6.85 | xxx | 6.85 | No | 75.0 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000103435 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 7.500% | $1,914.10 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $2,306.05 | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Yes | Unknown | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0 | 0 | 0.00% | 0.00% | Stocks/Bonds | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | 0 | Yes | 0.911 | 0.911 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 799 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 207.99 | xxx | 207.99 | No | 75.0 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000102710 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 12295 | xxx | 6.260% | No AUS | No | 6.784% | 6.750% | $4,669.91 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $5,535.71 | $5,621.14 | $0.00 | 0.00% | 49.62% | 49.62% | No | Employed | Written Verification of Employment | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 291 | 34 | Work Number | 0 | No | 0 | N/A | Borrower - Wage, Overtime and Bonus - Written VOE Verified - ["2025","2024","2023"] | Borrower - ["2025","2024","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 741 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | .62 | xxx | 29.83 | No | 58.54 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000101026 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | Yes | No | N/A | N/A | LPA | LP Accept/Eligible | No | 6.750% | $1,164.88 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $1,670.97 | $2,558.43 | $0.00 | 0.00% | 37.45% | 37.45% | Yes | Employed | Full Documentation | 2 | 2+ Months | N/A | 0 | 0 | 0 | 2 | 0 | NA | No | No | 0 | No | No | Missing | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - Wage, Other, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, Missing Lease Agreements Verified - ["2023","2024","2025"] | Borrower - 2 YRS Executed 4506T Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 813 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Passport | xxx | xxx | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 87.01 | xxx | 87.01 | No | 79.86 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000103029 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | Yes | No | N/A | N/A | LPA | LP Accept/Eligible | No | 6.625% | $1,200.58 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $1,738.65 | $27,101.63 | xxx | xxx | xxx | xxx | Monthly | 0.00% | 38.09% | 38.09% | Yes | Yes | Employed | Employed | Full Documentation | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% | Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 53 | 34 | Other | Yes | 30 | 30 | Other | No | 0 | N/A | Borrower - Wage, Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - Written VOE Verified, 3 YRS Executed 4506T Verified - ["2023","2024","2025"] || Co Borrower - Wage - Written VOE Verified, 3 YRS Executed 4506T Verified - ["2023","2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2023","2024","2025"] || Co Borrower - 3 YRS Executed 4506T Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 742 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | Permanent Resident Alien | Permanent Resident Alien | N/A | Standard Driver's License - Not for federal use | xxx | xxx | xxx | I-551 Permanent Resident Card | xxx | Permanent Resident Alien | Permanent Resident Alien | N/A | Standard Driver's License - Not for federal Use | xxx | xxx | xxx | I-551 Permanent Resident Card | xxx | Fee Simple | No | No | N/A | xxx | 112.69 | xxx | 112.69 | No | 75.0 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000100998 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 6.625% | $8,638.71 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $12,110.00 | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Yes | Unknown | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0 | 0 | 0.00% | 0.00% | 0.00% | Proceeds from Sale | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | 0 | Yes | 0.822 | 0.822 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified || Co Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 789 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | xxx | xxx | N/A | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use | xxx | xxx | xxx | N/A | Fee Simple | No | Unknown | N/A | xxx | 134.51 | xxx | 134.51 | No | 55.0 | N/A | xxx | xxx | xxx | xxx | 4 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000102211 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 7.875% | $2,869.97 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $3,949.85 | $7,731.33 | $0.00 | 0.00% | 41.97% | 41.97% | Yes | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | 0.00% | 100.00% | Audited | 12 | CPA | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - ["2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 748 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 10.92 | xxx | 10.92 | No | 80.0 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000100746 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | Appendix Q Documentation | 1625 | xxx | 6.160% | LPA | LP Accept/Eligible | No | 7.752% | 7.625% | $1,623.74 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $2,735.82 | $14,602.61 | xxx | xxx | xxx | xxx | Monthly | 0.00% | 48.47% | 48.47% | Yes | Yes | Employed | Not Employed | Full Documentation | 0 | 0 | 2+ Months | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - Wage, Retirement, Retirement, Retirement - 2+ Months Paystubs Verified - ["2023","2024","2025"] || Co Borrower | Borrower - ["2023","2024","2025"] || Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 730 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx | N/A | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 5.27 | xxx | 5.27 | No | 90.0 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000103112 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 9140 | xxx | 6.230% | No AUS | No | 7.351% | 7.250% | $1,773.65 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $2,218.20 | $4,527.80 | $0.00 | 0.00% | 33.15% | 33.15% | No | Employed | Written Verification of Employment | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 45 | 33 | FNMA 1005 | 0 | No | 0 | Borrower - Wage - Written VOE Verified - ["2023","2024","2025"] | Borrower - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 749 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | Permanent Resident Alien | Permanent Resident Alien | N/A | Other | USA PATRIOT ACT | xxx | xxx | xxx | I-151 Permanent Resident Card | xxx | Fee Simple | No | No | N/A | xxx | 5.61 | xxx | 5.61 | No | 80.0 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000103106 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 5500 | xxx | 6.230% | No AUS | No | 6.581% | 6.250% | $1,108.29 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $1,638.44 | $4,346.56 | $0.00 | 0.00% | 42.35% | 42.35% | No | No | Employed | Employed | Written Verification of Employment | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 154 | 34 | FNMA 1005 | Yes | 124 | 34 | FNMA 1005 | No | 0 | N/A | Borrower - Wage - Written VOE Verified - ["2023","2024","2025"] || Co Borrower - Wage - Written VOE Verified - ["2023","2024","2025"] | Borrower - ["2023","2024","2025"] || Co Borrower - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 797 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA PATRIOT ACT | xxx | xxx | xxx | N/A | US Citizen | US Citizen | N/A | Other | USA PATRIOT ACT | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | 0.79 | No | 40.45 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000101879 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 6.625% | $3,841.87 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $4,825.28 | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Yes | Unknown | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0 | 0 | 0.00% | 0.00% | 0.00% | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | 0 | Yes | 1.202 | 1.243 | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified || Co Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 725 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | xxx | xxx | N/A | US Citizen | US Citizen | N/A | Passport | xxx | xxx | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 25.56 | xxx | 25.56 | No | 50.0 | N/A | xxx | xxx | xxx | xxx | 2 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000098517 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 7.000% | $7,458.04 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $9,958.51 | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0.00% | 0 | 0 | No | 0 | 0 | 0 | Yes | 0.764 | 0.76 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 755 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 6.03 | xxx | 6.89 | No | 64.61 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000098922 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 1470 | xxx | 6.240% | No AUS | No | 6.550% | 6.500% | $2,607.28 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $3,444.12 | $7,770.45 | $0.00 | 0.00% | 46.72% | 46.72% | Yes | Yes | Employed | Not Employed | 2YR Full Doc | 2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 285 | 34 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - Wage, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - ["2023","2024","2025"] || Co Borrower - 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified - ["2023","2024","2025"] || Co Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 798 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 19.98 | xxx | 19.98 | No | 50.0 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000102927 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 8587 | xxx | 6.230% | No AUS | No | 6.667% | 6.375% | $1,978.91 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $3,198.43 | $4,520.74 | xxx | xxx | xxx | xxx | Annually | 0.00% | 46.81% | 46.81% | No | Employed | Written Verification of Employment | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 34 | 33 | FNMA 1005 | 0 | No | 0 | N/A | Borrower - Wage, Other REO Net Rental Income(Loss) - Written VOE Verified, Lease Agreements Verified - ["2023","2024","2025"] | Borrower - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 803 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA PATRIOT ACT | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 8.69 | xxx | 8.69 | No | 65.0 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000101050 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 6.625% | $5,391.71 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $7,671.98 | $0.00 | xxx | xxx | xxx | xxx | Monthly | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0.00% | 0 | 0 | No | 0 | 0 | 0 | Yes | 0.665 | 1 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 760 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA PATRIOT ACT | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 12.93 | xxx | 12.93 | No | 55.0 | Yes | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000102242 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 6411.25 | xxx | 6.260% | No AUS | No | 6.796% | 6.625% | $2,577.25 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $3,634.45 | $5,698.43 | $0.00 | 0.00% | 46.74% | 46.74% | No | Employed | Written Verification of Employment | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 26 | 26 | FNMA 1005 | 0 | No | 0 | N/A | Borrower - Wage, Overtime and Bonus, Other REO Net Rental Income(Loss) - Written VOE Verified - ["2023","2024","2025"] | Borrower - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 813 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 4.62 | xxx | 4.62 | No | 70.0 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000101471 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 8362.5 | xxx | 6.170% | No AUS | No | 7.047% | 7.000% | $3,679.12 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $4,745.29 | $13,635.42 | $0.00 | 0.00% | 25.95% | 25.95% | No | Employed | Written Verification of Employment | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 43 | 33 | FNMA 1005 | 0 | No | 0 | N/A | Borrower - Wage, Commission - Written VOE Verified - ["2025"] | Borrower - ["2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 756 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | Permanent Resident Alien | Permanent Resident Alien | Other | USA PATRIOT ACT | xxx | xxx | xxx | I-551 Permanent Resident Card | xxx | Fee Simple | No | No | N/A | xxx | 3.24 | xxx | 3.24 | No | 62.84 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000102706 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 3440 | xxx | 6.260% | No AUS | No | 6.571% | 6.500% | $3,628.07 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $4,495.35 | $9,198.73 | $0.00 | 0.00% | 32.83% | 32.83% | No | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | Third-Party Prepared (Unaudited) | 22 | Tax Preparer | Yes | 24 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 761 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA PATRIOT ACT | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | .00 | 0 | No | 43.16 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000101771 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 6.875% | $1,986.55 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $2,501.36 | $0.00 | xxx | xxx | xxx | xxx | Monthly | 0.00% | 0.00% | 0.00% | Yes | Yes | Unknown | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0 | 0 | 0.00% | 0.00% | 0.00% | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | 0 | Yes | 1.031 | 1.031 | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified || Co Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 799 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 46.86 | xxx | 46.86 | No | 67.2 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000101269 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 1745 | xxx | 6.170% | LPA | LP Accept/Eligible | No | 7.150% | 7.000% | $992.96 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $1,589.47 | $16,771.53 | xxx | xxx | xxx | xxx | Annually | 0.00% | 17.58% | 17.58% | Yes | Yes | 4 | 4 | Unknown | Employed | Full Documentation | 0 | 2 | NA | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | Missing | 0 | 0 | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - Executed 4506T Verified || Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified | Borrower - Executed 4506T Verified || Co Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 781 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 4.76 | xxx | 4.76 | No | 75.0 | Yes | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000102033 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 18195 | xxx | 6.170% | No AUS | No | 6.641% | 6.625% | $10,693.19 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $12,764.23 | $51,917.60 | $0.00 | 0.00% | 29.65% | 29.65% | No | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | Third-Party Prepared (Unaudited) | 22 | CPA | Yes | 72 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 789 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 29.90 | xxx | 30.32 | No | 62.31 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000102310 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 7.250% | $2,264.83 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $2,914.83 | $0.00 | xxx | xxx | xxx | xxx | Annually | 0.00% | 0.00% | 0.00% | Yes | Yes | Unknown | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0 | 0 | 0.00% | 0.00% | 0.00% | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | 0 | Yes | 1.012 | 1.056 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified || Co Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 732 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 4.03 | xxx | 4.03 | No | 80.0 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000103104 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 6.750% | $1,770.67 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $2,473.87 | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0 | 0 | No | 0 | 0 | 0 | Yes | 1.213 | 1 | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 811 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 10.58 | xxx | 10.58 | No | 70.0 | N/A | xxx | xxx | xxx | xxx | 2 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000101044 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 12010 | xxx | 6.160% | No AUS | No | 6.732% | 6.375% | $2,196.02 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $3,213.24 | $5,230.18 | xxx | xxx | xxx | xxx | Annually | 0.00% | 38.64% | 38.64% | No | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | Audited | 21 | CPA | Yes | 60 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2025","2024"] | Borrower - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 808 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 4.35 | xxx | 4.35 | No | 80.0 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000101487 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 7.375% | $1,563.68 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $2,352.09 | $5,833.34 | xxx | xxx | xxx | xxx | Annually | 0.00% | 40.78% | 40.78% | Yes | Employed | Written Verification of Employment | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 44 | 33 | FNMA 1005 | 0 | No | 0 | N/A | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - Written VOE Verified - ["2023","2024","2025"] | Borrower - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 717 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 11.21 | xxx | 11.21 | No | 80.0 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000101503 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 6.750% | $1,678.24 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $2,313.50 | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0.00% | 0 | 0 | No | 0 | 0 | 0 | Yes | 1.556 | 1.556 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 801 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 44.83 | xxx | 44.83 | No | 75.0 | N/A | xxx | xxx | xxx | xxx | 3 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000102931 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 6.750% | $2,646.28 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $3,436.25 | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0.00% | 0 | 0 | No | 0 | 0 | 0 | Yes | 1.019 | 1.019 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 755 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 4.73 | xxx | 4.73 | No | 80.0 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000102488 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 2745 | xxx | 6.260% | No AUS | No | 6.903% | 6.875% | $8,553.21 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $10,889.21 | $22,898.79 | $0.00 | 0.00% | 35.13% | 35.13% | No | Employed | Written Verification of Employment | 0 | NA | N/A | 0 | 0 | 0 | 2 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 56 | 33 | FNMA 1005 | 0 | No | 0 | N/A | Borrower - Wage, Overtime and Bonus - Written VOE Verified, 2 YRS Executed 4506T Verified - ["2023","2024","2025"] | Borrower - 2 YRS Executed 4506T Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 754 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA PATRIOT ACT | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 7.55 | xxx | 8.31 | No | 79.88 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000101042 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 4750 | xxx | 6.160% | No AUS | No | 7.200% | 6.875% | $1,182.47 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $2,124.82 | $2,931.23 | xxx | xxx | xxx | xxx | Monthly | 0.00% | 47.72% | 47.72% | No | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | Audited | 21 | CPA | Yes | 60 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 806 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 23.71 | xxx | 23.71 | No | 20.69 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000101509 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 8700 | xxx | 6.170% | No AUS | No | 7.173% | 7.125% | $3,907.57 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $4,827.20 | $21,346.51 | $0.00 | 0.00% | 21.95% | 21.95% | No | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 2 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | Audited | 22 | CPA | Yes | 24 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified - ["2025","2024"] | Borrower - 2 YRS Executed 4506T Verified - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 786 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | Permanent Resident Alien | Permanent Resident Alien | N/A | Other | USA Patriot Act | xxx | xxx | xxx | I-551 Permanent Resident Card | xxx | Fee Simple | No | No | N/A | xxx | 4.92 | xxx | 4.92 | No | 71.6 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000102091 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | Appendix Q Documentation | 1975.25 | xxx | 6.260% | DU | DU Approve/Eligible | No | 6.687% | 6.500% | $790.09 | No | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 | $1,352.44 | $34,776.56 | xxx | xxx | xxx | xxx | Monthly | 0.00% | 10.53% | 10.53% | Yes | Employed | Full Documentation | 2 | 1 Month | N/A | 0 | 0 | 0 | 2 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified - ["2025","2024","2023"] | Borrower - 2 YRS Executed 4506T Verified - ["2025","2024","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 792 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 103.64 | xxx | 103.64 | No | 22.36 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000100747 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 7.500% | $1,096.37 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $1,253.69 | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Yes | Unknown | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0 | 0 | 0.00% | 0.00% | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | 0 | Yes | 1.276 | 1.276 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 767 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 61.02 | xxx | 61.02 | No | 80.0 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000098860 | xxx | xxx | xxx | Yes | xxx | xxx | xxx | xxx | xxx | ATR/QM: Exempt | Yes | No | No | N/A | Appendix Q Documentation | 1880 | xxx | 6.290% | No AUS | No | 7.019% | 6.990% | $7,430.57 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $9,128.42 | $22,114.72 | $0.00 | 0.00% | 32.59% | 32.59% | No | No | Employed | Employed | 1YR Full Doc | 1 | 1 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - Wage - 1 YR W2 1099 Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - [] || Co Borrower - Wage - 1 YR W2 1099 Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - [] | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - [] || Co Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - [] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 805 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 10.44 | xxx | 10.44 | No | 79.86 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000101596 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | Appendix Q Documentation | 3075.25 | xxx | 6.170% | LPA | LP Accept/Eligible | No | 7.879% | 7.625% | $1,783.64 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | $2,036.82 | $6,039.19 | $0.00 | 0.00% | 41.43% | 41.43% | Yes | Employed | Full Documentation | 2 | 1 Month | N/A | 0 | 0 | 0 | 2 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - Wage, Overtime and Bonus, Subject Property Net Rental Income(Loss) if NOO - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified - ["2025","2024","2023"] | Borrower - 2 YRS Executed 4506T Verified - ["2025","2024","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 798 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 3.57 | xxx | 3.57 | No | 90.0 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000070084 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 7.124% | $1,010.48 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $1,812.97 | $0.00 | xxx | xxx | xxx | xxx | Monthly | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0.00% | 0 | 0 | No | 0 | 0 | 0 | Yes | 1.02 | 1.02 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | NA | 0 | 0 | 0 | 0 | Unknown | No | No | Foreign National | Foreign National | N/A | Enhanced Driver's License (MI, MN, NY, VT, WA) | xxx | xxx | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 41.30 | xxx | 41.3 | No | 51.2 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000102971 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | Appendix Q Documentation | 2463.75 | xxx | 6.230% | LPA | LP Accept/Eligible | No | 6.839% | 6.375% | $779.84 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $998.68 | $3,014.13 | $0.00 | 0.00% | 35.06% | 35.06% | Yes | Yes | Retired | Retired | Full Documentation | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 1 | 0 | 1 | 0 | 2 | 0 | Yes | Yes | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% | Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 | Missing | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - SSI and Disability, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, Missing CPA Letter Verified, 2 YRS Executed 4506T Verified, Award Letter Verified - ["2025"] || Co Borrower - SSI and Disability - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, Award Letter Verified - ["2025"] | Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified - ["2025"] || Co Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified - ["2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 747 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 31.56 | xxx | 31.56 | No | 43.71 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000103786 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 41690 | xxx | 6.170% | No AUS | No | 7.113% | 6.875% | $12,438.58 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $13,573.67 | $27,044.66 | $0.00 | 0.00% | 33.46% | 33.46% | No | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | Third-Party Prepared (Unaudited) | 12 | Tax Preparer | Yes | 156 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, Missing Business Bank Statements Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 797 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | Yes | N/A | xxx | 57.98 | xxx | 57.98 | No | 60.0 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000102786 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | Yes | No | N/A | N/A | LPA | LP Accept/Eligible | No | 6.625% | $883.62 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $1,239.71 | $24,949.46 | $0.00 | 0.00% | 43.62% | 43.62% | Yes | Self-Employed | Full Documentation | 1 | NA | N/A | 0 | 1 | 1 | 2 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - Subject Property Net Rental Income(Loss) if NOO, SESCorp, SESCorp, SESCorp, SESCorp, SESCorp - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified, 1 YR W2 1099 Verified, 2 YRS Executed 4506T Verified, 1040 Schedule E Verified - ["2024","2025"] | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified, 2 YRS Executed 4506T Verified, 1040 Schedule E Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 762 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 40.42 | xxx | 40.42 | No | 31.36 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000102204 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 3335 | xxx | 6.260% | No AUS | No | 6.615% | 6.500% | $3,362.60 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $4,266.27 | $8,055.91 | $0.00 | 0.00% | 35.44% | 35.44% | No | No | Employed | Employed | Written Verification of Employment | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 31 | 30 | FNMA 1005 | Yes | 34 | 33 | FNMA 1005 | No | 0 | N/A | Borrower - Wage, Wage, Wage - Written VOE Verified, 3 YRS Executed 4506T Verified - ["2023","2024","2025"] || Co Borrower - Wage - Written VOE Verified, 3 YRS Executed 4506T Verified - ["2023","2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2023","2024","2025"] || Co Borrower - 3 YRS Executed 4506T Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 771 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | Permanent Resident Alien | Permanent Resident Alien | N/A | Other | USA PATRIOT ACT | xxx | xxx | xxx | I-551 Permanent Resident Card | xxx | Permanent Resident Alien | Permanent Resident Alien | N/A | Other | USA PATRIOT ACT | xxx | xxx | xxx | I-551 Permanent Resident Card | xxx | Fee Simple | No | No | N/A | xxx | 19.27 | xxx | 19.27 | No | 70.0 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000103314 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 17846.88 | xxx | 6.230% | No AUS | No | 6.976% | 6.875% | $3,916.93 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $4,949.49 | $6,691.42 | $0.00 | 0.00% | 42.85% | 42.85% | No | No | Self-Employed | Not Employed | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% | Third-Party Prepared (Unaudited) | 22 | Tax Preparer | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] || Co Borrower | Borrower - ["2024","2025"] || Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 791 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | Permanent Resident Alien | Permanent Resident Alien | Other | USA PATRIOT ACT | xxx | xxx | xxx | I-551 Permanent Resident Card | xxx | US Citizen | US Citizen | N/A | Other | USA PATRIOT ACT | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 4.37 | xxx | 4.37 | No | 75.0 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000101015 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 6.875% | $3,402.89 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $5,433.35 | $0.00 | xxx | xxx | xxx | xxx | Monthly | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0.00% | 0 | 0 | No | 0 | 0 | 0 | Yes | 0.911 | 0.911 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 773 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | Permanent Resident Alien | Permanent Resident Alien | Other | USA Patriot Act | xxx | xxx | xxx | I-551 Permanent Resident Card | xxx | Fee Simple | No | No | N/A | .00 | .00 | xxx | 92.1 | No | 50.78 | No | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000103378 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 6.875% | $3,443.95 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $5,061.18 | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0 | 0 | No | 0 | 0 | 0 | Yes | 0.75 | 0.75 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 791 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 39.03 | xxx | 39.03 | No | 75.0 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000095751 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 6.875% | $3,843.03 | No | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 | $4,514.64 | $0.00 | xxx | xxx | xxx | xxx | Monthly | 0.00% | 0.00% | 0.00% | Yes | Yes | Unknown | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0 | 0 | 0.00% | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | 0 | Yes | 0.745 | 0.75 | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 727 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Enhanced Driver's License (MI, MN, NY, VT, WA) | xxx | xxx | xxx | N/A | US Citizen | US Citizen | N/A | Enhanced Driver's License (MI, MN, NY, VT, WA) | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 400.94 | xxx | 400.94 | No | 75.0 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000102491 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 6.875% | $6,897.75 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $8,576.58 | $19,732.48 | $0.00 | 0.00% | 43.18% | 43.18% | Yes | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | Third-Party Prepared (Unaudited) | 23 | Tax Preparer | Yes | 24 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 798 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 25.22 | xxx | 25.22 | No | 75.0 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000094797 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 6.875% | $3,483.37 | No | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 | $4,105.22 | $0.00 | xxx | xxx | xxx | xxx | Monthly | 0.00% | 0.00% | 0.00% | Yes | Yes | Unknown | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0 | 0 | 0.00% | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | 0 | Yes | 0.771 | 0.75 | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 727 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Enhanced Driver's License (MI, MN, NY, VT, WA) | xxx | xxx | xxx | N/A | US Citizen | US Citizen | N/A | Enhanced Driver's License (MI, MN, NY, VT, WA) | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 436.07 | xxx | 436.07 | No | 75.0 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000100849 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 6.750% | $1,678.24 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $1,942.38 | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Yes | Unknown | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0 | 0 | 0.00% | 0.00% | 0.00% | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | 0 | Yes | 0.952 | 0.95 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified || Co Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 779 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 35.87 | xxx | 35.87 | No | 75.0 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000102483 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 6815 | xxx | 6.260% | No AUS | No | 6.691% | 6.375% | $1,497.28 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $2,101.91 | $3,318.09 | xxx | xxx | xxx | xxx | Annually | 0.00% | 44.70% | 44.70% | No | Employed | Written Verification of Employment | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 34 | 34 | FNMA 1005 | 0 | No | 0 | N/A | Borrower - Wage - Written VOE Verified - ["2023","2024","2025"] | Borrower - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 761 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 5.32 | xxx | 5.32 | No | 80.0 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000102465 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 11995 | xxx | 6.260% | No AUS | No | 6.521% | 6.250% | $2,924.65 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $4,637.90 | $5,566.54 | xxx | xxx | xxx | xxx | Monthly | 0.00% | 49.60% | 49.60% | No | Employed | Written Verification of Employment | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 33 | 34 | FNMA 1005 | 0 | No | 0 | N/A | Borrower - Wage, Commission - Written VOE Verified - ["2023","2024","2025"] | Borrower - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 796 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | .50 | xxx | 0.5 | No | 70.37 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000101908 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 7.000% | $4,331.12 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $4,939.00 | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Yes | Unknown | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0 | 0 | 0.00% | 0.00% | 0.00% | Stocks/Bonds,Stocks/Bonds | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | 0 | Yes | 0.911 | 0.91 | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified || Co Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 769 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | xxx | xxx | N/A | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 80.75 | xxx | 80.75 | No | 70.0 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000104536 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 5429 | xxx | 6.260% | No AUS | No | 6.791% | 6.625% | $2,247.49 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $2,892.31 | $5,747.90 | $0.00 | 0.00% | 45.61% | 45.61% | No | Employed | Written Verification of Employment | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 65 | 34 | FNMA 1005 | 0 | No | 0 | Borrower - Wage, Wage - Written VOE Verified - ["2025","2024","2023"] | Borrower - ["2025","2024","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 754 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 4.50 | xxx | 4.72 | No | 76.3 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000101283 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | Appendix Q Documentation | 5786.5 | xxx | 6.170% | LPA | LP Accept/Eligible | No | 7.236% | 6.875% | $1,625.89 | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | $2,422.01 | $7,438.57 | xxx | xxx | xxx | xxx | Monthly | 0.00% | 44.82% | 44.82% | Yes | Employed | Full Documentation | 0 | NA | N/A | 0 | 0 | 0 | 2 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 34 | 34 | Other | 0 | No | 0 | N/A | Borrower - Wage, Overtime and Bonus, Other, Other REO Net Rental Income(Loss) - Written VOE Verified, 2 YRS Executed 4506T Verified - ["2023","2024","2025"] | Borrower - 2 YRS Executed 4506T Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 778 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA PATRIOT ACT | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 11.75 | xxx | 11.75 | No | 90.0 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000100492 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | Yes | No | N/A | N/A | LPA | LP Accept/Eligible | No | 7.250% | $3,187.46 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $4,127.90 | $8,165.52 | $0.00 | 0.00% | 42.70% | 42.70% | Yes | Yes | Employed | Employed | Full Documentation | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 36 | 36 | FNMA 1005 | Yes | 80 | 80 | Work Number | No | 0 | N/A | Borrower - Wage, Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - Written VOE Verified, 2 YRS Executed 4506T Verified - ["2023","2024","2025"] || Co Borrower - Wage - Written VOE Verified, 2 YRS Executed 4506T Verified - ["2023","2024","2025"] | Borrower - 2 YRS Executed 4506T Verified - ["2023","2024","2025"] || Co Borrower - 2 YRS Executed 4506T Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 720 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act Form | xxx | xxx | xxx | N/A | US Citizen | US Citizen | N/A | Other | US Patriot Act Form | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 73.08 | xxx | 73.08 | No | 75.0 | N/A | xxx | xxx | xxx | xxx | 4 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000100857 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 1830.25 | xxx | 6.170% | No AUS | No | 6.811% | 6.750% | $3,139.21 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $4,080.73 | $17,319.13 | $0.00 | 0.00% | 36.23% | 36.23% | Yes | Employed | 2YR Full Doc | 2 | 2+ Months | N/A | 0 | 2 | 0 | 2 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 12.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - Wage, Other REO Net Rental Income(Loss), SESCorp - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 804 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 52.97 | xxx | 52.97 | No | 80.0 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000101493 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 1250 | xxx | 6.170% | No AUS | No | 6.911% | 6.875% | $4,502.26 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $5,532.26 | $17,749.81 | xxx | xxx | xxx | xxx | Annually | 0.00% | 34.31% | 34.31% | No | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 2 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | Third-Party Prepared (Unaudited) | 21 | CPA | Yes | 24 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified - ["2024","2025"] | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 799 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | Permanent Resident Alien | Permanent Resident Alien | N/A | Other | USA PATRIOT ACT | xxx | xxx | xxx | I-551 Conditional Permanent Resident Card w/ USCIS 1-751 | xxx | Fee Simple | No | No | N/A | xxx | 1.90 | xxx | 1.9 | No | 75.0 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000097624 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 6.875% | $3,843.03 | No | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 | $4,514.64 | $0.00 | xxx | xxx | xxx | xxx | Monthly | 0.00% | 0.00% | 0.00% | Yes | Yes | Unknown | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0 | 0 | 0.00% | 0.00% | 0.00% | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | 0 | Yes | 0.734 | 0.775 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified || Co Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 727 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Enhanced Driver's License (MI, MN, NY, VT, WA) | xxx | xxx | xxx | N/A | US Citizen | US Citizen | N/A | Enhanced Driver's License (MI, MN, NY, VT, WA) | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 396.52 | xxx | 396.52 | No | 75.0 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000099721 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 7766 | xxx | 6.240% | DU | DU Approve/Eligible | No | 7.350% | 7.000% | $3,975.84 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | $5,105.30 | $26,080.21 | $0.00 | 0.00% | 46.27% | 46.27% | Yes | Yes | Employed | Employed | Full Documentation | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 1 | 0 | 1 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 111 | 34 | Work Number | Yes | 22 | 22 | Work Number | No | 0 | N/A | Borrower - Wage, Overtime and Bonus, Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 1040 Schedule E Verified - ["2023","2024","2025"] || Co Borrower - Wage - 1 YR Personal Tax Returns Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 1040 Schedule E Verified - ["2023","2024","2025"] | Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 1040 Schedule E Verified - ["2023","2024","2025"] || Co Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 1040 Schedule E Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 777 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 23.58 | xxx | 23.58 | No | 90.0 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000101431 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 7.250% | $1,282.49 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $1,453.30 | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0.00% | 0 | 0 | No | 0 | 0 | 0 | Yes | 1.239 | 1.238 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 809 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 74.90 | xxx | 74.9 | No | 80.0 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000100896 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | Yes | No | N/A | N/A | LPA | LP Accept/Eligible | No | 6.625% | $729.95 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $920.83 | $3,958.41 | $0.00 | 0.00% | 42.43% | 42.43% | Yes | Self-Employed | Full Documentation | 1 | NA | N/A | 0 | 1 | 1 | 1 | 0 | Yes | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor, SSI and Disability, Subject Property Net Rental Income(Loss) if NOO - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified, 1 YR W2 1099 Verified, 1 YR Executed 4506T Verified, Award Letter Verified - ["2023","2024"] | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified, 1 YR Executed 4506T Verified - ["2023","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 717 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 6.13 | xxx | 6.13 | No | 38.0 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000103968 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | Yes | No | N/A | N/A | LPA | LP Accept/Eligible | No | 7.375% | $1,270.84 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $1,633.70 | $11,655.39 | $0.00 | 0.00% | 29.51% | 29.51% | Yes | Yes | Self-Employed | Employed | Full Documentation | 0 | 2 | NA | NA | N/A | 0 | N/A | 0 | 2 | 2 | 2 | 2 | 2 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 100.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 125 | 33 | Work Number | No | 0 | N/A | Borrower - SESoleProprietor, SEPartnership, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 2 YRS Executed 4506T Verified, 1040 Schedule E Verified - ["2024","2023"] || Co Borrower - Wage - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 2 YRS W2 1099 Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 1040 Schedule E Verified - ["2025","2024","2023"] | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 2 YRS Executed 4506T Verified, 1040 Schedule E Verified - ["2024","2023"] || Co Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 2 YRS Executed 4506T Verified, 1040 Schedule E Verified - ["2025","2024","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 797 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 24.11 | xxx | 24.11 | No | 80.0 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000097398 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 7.750% | $3,573.10 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $4,581.40 | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Yes | Unknown | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0 | 0 | 0.00% | 0.00% | 0.00% | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | 0 | Yes | 0.709 | 0.709 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified || Co Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 803 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | Unknown | N/A | xxx | 237.50 | xxx | 237.5 | No | 75.0 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000102048 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 7.125% | $8,016.07 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $9,918.25 | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Yes | Unknown | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0 | 0 | 0.00% | 0.00% | 0.00% | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | 0 | Yes | 0.807 | 1.002 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified || Co Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 778 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 18.36 | xxx | 18.36 | No | 73.33 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000102719 | xxx | xxx | xxx | Yes | xxx | xxx | xxx | xxx | xxx | ATR/QM: Exempt | Yes | No | No | N/A | Appendix Q Documentation | 39559 | xxx | 6.260% | No AUS | No | 7.257% | 6.990% | $11,155.16 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $14,123.99 | $19,817.15 | xxx | xxx | xxx | xxx | Monthly | 0.00% | 44.28% | 44.28% | No | Not Employed | Asset Depletion – Debt Ratio Calculation | 0 | NA | N/A | 0 | 0 | 0 | 2 | 0 | Yes | Yes | No | 84.0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | Stocks/Bonds | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - Retirement, Asset Depletion, Other REO Net Rental Income(Loss) - 2 YRS Executed 4506T Verified, Award Letter Verified - ["2025"] | Borrower - 2 YRS Executed 4506T Verified - ["2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 780 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 307.62 | xxx | 307.62 | No | 80.0 | Yes | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000102289 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 6.625% | $2,241.09 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $3,008.19 | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | Proceeds from Sale | 0 | 0 | No | 0 | 0 | 0 | Yes | 1.13 | 1.13 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 766 | NA | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 24.11 | xxx | 24.11 | No | 80.0 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000102652 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 6450 | xxx | 6.260% | No AUS | No | 6.925% | 6.750% | $1,621.49 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $2,689.71 | $18,749.89 | $0.00 | 0.00% | 28.85% | 28.85% | No | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | Third-Party Prepared (Unaudited) | 22 | Tax Preparer | Yes | 34 | No | Yes | 28 | 28 | FNMA 1005 | 0 | No | 0 | N/A | Borrower - SESoleProprietor, Wage, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, Written VOE Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 817 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 56.56 | xxx | 56.56 | No | 25.51 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000104404 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 8855 | xxx | 6.260% | No AUS | No | 7.141% | 6.875% | $2,417.50 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $3,715.78 | $5,801.22 | xxx | xxx | xxx | xxx | Annually | 0.00% | 39.46% | 39.46% | No | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | Audited | 22 | CPA | Yes | 24 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2025","2024"] | Borrower - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 799 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 4.24 | xxx | 4.24 | No | 80.0 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000100823 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 6.750% | $8,283.89 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $10,087.75 | $45,776.10 | $0.00 | 0.00% | 25.27% | 25.27% | Yes | Yes | Employed | Employed | 2YR Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 2 | 0 | 2 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | Borrower - Wage, Overtime and Bonus, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Lease Agreements Verified, 1040 Schedule E Verified - ["2023","2024","2025"] || Co Borrower - Wage - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - ["2023","2024","2025"] || Co Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 783 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 41.30 | xxx | 41.3 | No | 80.0 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000101489 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 9460 | xxx | 6.170% | No AUS | No | 6.944% | 6.750% | $3,463.51 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $3,992.34 | $8,863.53 | xxx | xxx | xxx | xxx | Annually | 0.00% | 31.37% | 31.37% | No | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | Audited | 21 | CPA | Yes | 24 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 789 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | .70 | xxx | 0.7 | No | 75.0 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000101840 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 10538 | xxx | 6.170% | No AUS | No | 6.503% | 6.375% | $4,990.96 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $6,226.49 | $5,215.50 | $0.00 | 0.00% | 54.56% | 54.56% | No | Employed | Full Documentation | 2 | 1 Month | N/A | 0 | 0 | 0 | 2 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | Stocks/Bonds | N/A | 0 | N/A | NA | 0 | No | Yes | 13 | 13 | Work Number | 0 | No | 0 | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - ["2023","2024","2025"] | Borrower - 2 YRS Executed 4506T Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 794 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Enhanced Driver's License (MI, MN, NY, VT, WA) | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 198.39 | xxx | 198.42 | No | 53.33 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000101511 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 9730 | xxx | 6.170% | No AUS | No | 7.032% | 6.750% | $2,386.84 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $3,356.22 | $6,126.09 | xxx | xxx | xxx | xxx | Annually | 0.00% | 41.66% | 41.66% | No | Employed | Written Verification of Employment | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 28 | 28 | FNMA 1005 | 0 | No | 0 | N/A | Borrower - Wage - Written VOE Verified - ["2023","2024","2025"] | Borrower - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 712 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 20.73 | xxx | 20.73 | No | 80.0 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000101681 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 2270 | xxx | 6.170% | No AUS | No | 6.807% | 6.750% | $3,242.99 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $4,240.92 | $10,938.79 | $0.00 | 0.00% | 41.09% | 41.09% | No | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | 0.00% | 100.00% | Audited | 21 | CPA | Yes | 24 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 784 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 5.38 | xxx | 49.19 | No | 39.68 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000101817 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 15612 | xxx | 6.170% | No AUS | No | 6.990% | 6.875% | $9,434.85 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $11,354.93 | $29,401.66 | xxx | xxx | xxx | xxx | Annually | 0.00% | 30.00% | 30.00% | No | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 2 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | Audited | 21 | CPA | Yes | 24 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified - ["2024","2025"] | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 762 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 7.89 | xxx | 7.89 | No | 80.0 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000099470 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 7.500% | $1,622.17 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $2,328.76 | $6,706.17 | xxx | xxx | xxx | xxx | Monthly | 0.00% | 37.01% | 37.01% | Yes | Employed | 2YR Full Doc | 2 | NA | N/A | 0 | 1 | 0 | 2 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 72 | 34 | Work Number | 0 | No | 0 | N/A | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 2 YRS W2 1099 Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - ["2023","2024","2025"] | Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 779 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 48.29 | xxx | 48.29 | No | 80.0 | Yes | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000101102 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 7.375% | $5,070.31 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $6,669.40 | $0.00 | xxx | xxx | $0.00 | xxx | 0.00% | 0.00% | 0.00% | Yes | Yes | 1 | 1 | 1 | Unknown | Unknown | Unknown | .00 | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0 | 0 | 0.00% | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | 0 | Yes | 1.282 | 1.284 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified || Co Borrower 2 - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified || Co Borrower 2 - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 793 | 773 | 799 | 800 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 10.01 | xxx | 10.01 | No | 75.0 | N/A | xxx | xxx | xxx | xxx | 4 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000103353 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 5356 | xxx | 6.230% | No AUS | No | 6.968% | 6.625% | $1,111.57 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $1,552.41 | $4,247.59 | $0.00 | 0.00% | 26.77% | 26.77% | No | Employed | Written Verification of Employment | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 25 | 25 | FNMA 1005 | 0 | No | 0 | Borrower - Wage - Written VOE Verified - ["2025","2024","2023"] | Borrower - ["2025","2024","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 766 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | Permanent Resident Alien | Permanent Resident Alien | N/A | Other | USA Patriot Act | xxx | xxx | xxx | I-551 Permanent Resident Card | xxx | Fee Simple | No | No | N/A | xxx | 10.27 | xxx | 10.27 | No | 80.0 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000102249 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 9050.32 | xxx | 6.260% | No AUS | No | 6.625% | 6.375% | $2,919.71 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $3,827.04 | $6,533.04 | $0.00 | 0.00% | 36.94% | 36.94% | No | Employed | Written Verification of Employment | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 117 | 34 | FNMA 1005 | 0 | No | 0 | N/A | Borrower - Wage, Commission - Written VOE Verified - ["2023","2024","2025"] | Borrower - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 765 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA PATRIOT ACT | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 4.24 | xxx | 4.24 | No | 60.0 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000101510 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 9450 | xxx | 6.170% | No AUS | No | 6.805% | 6.750% | $2,594.39 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $4,229.01 | $7,935.50 | $0.00 | 0.00% | 34.87% | 34.87% | No | Employed | Written Verification of Employment | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 39 | 33 | FNMA 1005 | 0 | No | 0 | Borrower - Wage, Overtime and Bonus - Written VOE Verified - ["2025","2024","2023"] | Borrower - ["2025","2024","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 757 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 3.56 | xxx | 3.56 | No | 27.21 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000102482 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 6.500% | $1,901.58 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $2,771.47 | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0.00% | 0 | 0 | No | 0 | 0 | 0 | Yes | 1.147 | 1.147 | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 761 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx | N/A | Fee Simple | No | Unknown | N/A | xxx | 38.04 | xxx | 38.04 | No | 46.64 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000101821 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 3440 | xxx | 6.170% | No AUS | No | 6.813% | 6.750% | $4,261.28 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $5,231.16 | $11,853.36 | $0.00 | 0.00% | 33.89% | 33.89% | No | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | Audited | 21 | CPA | Yes | 24 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 819 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA PATRIOT ACT | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | 0.01 | No | 69.89 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000102689 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 17537.5 | xxx | 6.260% | No AUS | No | 7.050% | 6.750% | $4,637.47 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $6,400.84 | $20,221.80 | xxx | xxx | xxx | xxx | Monthly | 0.00% | 25.03% | 25.03% | No | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | Audited | 22 | CPA | Yes | 24 | No | NA | 0 | 0 | N/A | 0 | No | 0 | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 773 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 59.60 | xxx | 59.6 | No | 65.0 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000101469 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 13425 | xxx | 6.170% | No AUS | No | 6.780% | 6.750% | $6,213.56 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $6,542.23 | $10,908.44 | $0.00 | 0.00% | 37.67% | 37.67% | No | Employed | Written Verification of Employment | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 30 | 30 | FNMA 1005 | 0 | No | 0 | N/A | Borrower - Wage, Overtime and Bonus, Commission - Written VOE Verified - ["2025","2024","2023"] | Borrower - ["2025","2024","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 770 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 2.77 | xxx | 2.77 | No | 70.96 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000105379 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 2450 | xxx | 6.170% | No AUS | No | 7.042% | 7.000% | $5,172.72 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $6,405.97 | $13,112.29 | $0.00 | 0.00% | 32.94% | 32.94% | No | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | Audited | 21 | CPA | Yes | 24 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2025","2024"] | Borrower - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 764 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA PATRIOT ACT | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | .07 | xxx | 0.07 | No | 70.68 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000098689 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 6.875% | $10,905.01 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $13,261.95 | $56,253.47 | $0.00 | 0.00% | 46.07% | 46.07% | Yes | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | Audited | 21 | Tax Preparer | Yes | 24 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 725 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | 9.35 | No | 54.25 | N/A | xxx | xxx | xxx | xxx | 2 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000097245 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 6.875% | $2,266.73 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $3,579.55 | $0.00 | xxx | xxx | xxx | xxx | Monthly | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0.00% | 0 | 0 | No | 0 | 0 | 0 | Yes | 0.992 | 0.992 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 759 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 89.55 | xxx | 89.7 | No | 53.08 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000103543 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 8906.88 | xxx | 6.230% | No AUS | No | 6.749% | 6.500% | $2,460.32 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $3,175.87 | $5,126.01 | xxx | xxx | xxx | xxx | Annually | 0.00% | 48.33% | 48.33% | No | Employed | Written Verification of Employment | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 92 | 33 | FNMA 1005 | 0 | No | 0 | N/A | Borrower - Wage, Overtime and Bonus, Other REO Net Rental Income(Loss) - Written VOE Verified - ["2023","2024","2025"] | Borrower - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 724 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 1.65 | xxx | 1.65 | No | 75.0 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000102232 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 6.250% | $6,120.23 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $7,502.73 | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Yes | Unknown | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0 | 0 | 0.00% | 0.00% | 0.00% | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | 0 | Yes | 1.066 | 1.066 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified || Co Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 789 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 9.01 | xxx | 9.01 | No | 70.0 | N/A | xxx | xxx | xxx | xxx | 2 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000102408 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 15025 | xxx | 6.260% | No AUS | No | 6.789% | 6.490% | $4,113.64 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $5,202.43 | $8,429.40 | $0.00 | 0.00% | 49.91% | 49.91% | No | No | Self-Employed | Employed | 12 Month Bank Statement | 0 | 2 | NA | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | Yes | 0 | 0 | 57.07% | 100.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | Yes | 342 | 34 | Work Number | No | 0 | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] || Co Borrower - Wage, Overtime and Bonus, Overtime and Bonus, Other, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - ["2023","2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] || Co Borrower - 3 YRS Executed 4506T Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 745 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 9.81 | xxx | 9.81 | No | 64.5 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000100604 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 7150 | xxx | 6.160% | DU | DU Approve/Ineligible | No | 6.917% | 6.875% | $13,795.50 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $15,482.03 | $35,751.15 | xxx | xxx | xxx | xxx | Annually | 0.00% | 48.77% | 48.77% | Yes | Yes | Self-Employed | Self-Employed | Full Documentation | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 1 | 1 | 1 | 1 | 2 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 50.00% | 50.00% | Stocks/Bonds,Stocks/Bonds | Borrower Prepared | 9 | Borrower | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - SEPartnership, Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2023","2024","2025"] || Co Borrower - SEPartnership - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2023","2024","2025"] | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2023","2024","2025"] || Co Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 687 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Enhanced Driver's License (MI, MN, NY, VT, WA) | xxx | xxx | xxx | N/A | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 43.63 | xxx | 43.63 | No | 75.0 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000101498 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 7.000% | $1,011.26 | Yes | 20.000% | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $1,303.26 | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Yes | Unknown | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0 | 0 | 0.00% | 0.00% | 0.00% | Stocks/Bonds | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | 0 | Yes | 1.228 | 1.266 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified || Co Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 801 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 10.71 | xxx | 10.71 | No | 80.0 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000101615 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 6.750% | $1,293.95 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $1,869.05 | $0.00 | xxx | xxx | xxx | xxx | Monthly | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0.00% | Stocks/Bonds | 0 | 0 | No | 0 | 0 | 0 | Yes | 1.097 | 1.01 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 801 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 537.79 | xxx | 537.79 | No | 70.0 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000102818 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 7.250% | $976.88 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $1,166.60 | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Yes | Unknown | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0 | 0 | 0.00% | 0.00% | 0.00% | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | 0 | Yes | 1.114 | 1.11 | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified || Co Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 759 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Enhanced Driver's License (MI, MN, NY, VT, WA) | xxx | xxx | xxx | N/A | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 461.32 | xxx | 461.32 | No | 80.0 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000103518 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 6.875% | $2,075.90 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $2,710.15 | $0.00 | xxx | xxx | xxx | xxx | Annually | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0.00% | Proceeds from Sale | 0 | 0 | No | 0 | 0 | 0 | Yes | 1.291 | 1.291 | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 709 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 5.16 | xxx | 5.16 | No | 52.58 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000097901 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 1715 | xxx | 6.290% | No AUS | No | 7.393% | 7.375% | $9,268.86 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $10,889.97 | $39,505.03 | $0.00 | 0.00% | 25.24% | 25.24% | No | Self-Employed | 24 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 2 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 24 | No | 100.00% | 100.00% | Stocks/Bonds,Stocks/Bonds | N/A | 0 | N/A | Yes | 94 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] | Borrower - 2 YRS Executed 4506T Verified - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 743 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 45.74 | xxx | 45.74 | No | 72.54 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000103406 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 7.125% | $2,324.33 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $2,903.62 | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0.00% | 0 | 0 | No | 0 | 0 | 0 | Yes | 1.266 | 1.266 | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 802 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | Permanent Resident Alien | Permanent Resident Alien | Real ID Driver's License | xxx | xxx | xxx | I-151 Permanent Resident Card | xxx | Fee Simple | No | No | N/A | xxx | 6.82 | xxx | 6.82 | No | 75.0 | N/A | xxx | xxx | xxx | xxx | 2 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000102284 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 6.625% | $2,241.09 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $3,011.25 | $0.00 | xxx | xxx | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0.00% | Proceeds from Sale | 0 | 0 | No | 0 | 0 | 0 | Yes | 1.129 | 1.13 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 766 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 24.14 | xxx | 24.14 | No | 80.0 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000103103 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 10285 | xxx | 6.230% | No AUS | No | 6.735% | 6.500% | $3,722.88 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $4,969.87 | $11,257.54 | xxx | xxx | xxx | xxx | Monthly | 0.00% | 31.06% | 31.06% | No | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | Audited | 22 | CPA | Yes | 46 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 790 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | Permanent Resident Alien | Permanent Resident Alien | N/A | Other | USA Patriot act | xxx | xxx | xxx | I-551 Permanent Resident Card | xxx | Fee Simple | No | No | N/A | xxx | 9.42 | xxx | 9.42 | No | 76.99 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000103108 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 9172 | xxx | 6.230% | No AUS | No | 6.889% | 6.625% | $1,521.37 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $1,813.46 | $4,087.54 | $0.00 | 0.00% | 31.87% | 31.87% | No | Employed | Written Verification of Employment | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 45 | 34 | FNMA 1005 | 0 | No | 0 | N/A | Borrower - Wage - Written VOE Verified - ["2023","2024","2025"] | Borrower - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 770 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 45.67 | xxx | 45.67 | No | 80.0 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000103544 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 6.750% | $3,018.58 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $3,914.19 | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0 | 0 | No | 0 | 0 | 0 | Yes | 0.894 | 0.894 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 776 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot act | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 19.28 | xxx | 19.28 | No | 65.0 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000102697 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 6.625% | $1,053.31 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $1,657.02 | $0.00 | xxx | xxx | xxx | xxx | Monthly | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0.00% | 0 | 0 | No | 0 | 0 | 0 | Yes | 1.026 | 1.026 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 661 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | Permanent Resident Alien | Permanent Resident Alien | N/A | Other | USA PATRIOT ACT | xxx | xxx | xxx | I-551 Permanent Resident Card | xxx | Fee Simple | No | No | N/A | xxx | 9.00 | xxx | 9 | No | 70.0 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000096470 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 7.250% | $5,116.32 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $6,277.37 | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0.00% | Proceeds from Sale,Proceeds from Sale | 0 | 0 | No | 0 | 0 | 0 | Yes | 1.083 | 1.08 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 766 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 20.12 | xxx | 20.12 | No | 74.26 | N/A | xxx | xxx | xxx | xxx | 3 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000104486 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 13070 | xxx | 6.160% | No AUS | No | 6.901% | 6.875% | $4,362.01 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $5,643.67 | $9,530.44 | xxx | xxx | xxx | xxx | Annually | 0.00% | 47.38% | 47.38% | No | No | Employed | Employed | Written Verification of Employment | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 34 | 34 | FNMA 1005 | Yes | 30 | 30 | FNMA 1005 | No | 0 | N/A | Borrower - Wage, Overtime and Bonus - Written VOE Verified - [] || Co Borrower - Wage, Overtime and Bonus - Written VOE Verified - [] | Borrower - [] || Co Borrower - [] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 749 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | Permanent Resident Alien | Permanent Resident Alien | N/A | Other | USA Patriot Act | xxx | xxx | xxx | I-551 Permanent Resident Card | xxx | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | 0.2 | No | 59.39 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000104907 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 6.750% | $3,541.35 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $4,805.64 | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | 4 | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0.00% | 0 | 0 | No | 0 | 0 | 0 | Yes | 1.29 | 1.287 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 797 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | Permanent Resident Alien | Permanent Resident Alien | N/A | Real ID Driver's License | xxx | xxx | xxx | I-551 Permanent Resident Card | xxx | Fee Simple | No | Unknown | N/A | xxx | 2.46 | xxx | 2.46 | No | 70.0 | N/A | xxx | xxx | xxx | xxx | 2 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000102463 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 8930 | xxx | 6.170% | No AUS | No | 7.000% | 6.625% | $1,741.64 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $2,031.36 | $5,515.24 | $0.00 | 0.00% | 26.92% | 26.92% | No | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | Audited | 22 | CPA | Yes | 24 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 784 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 12.26 | xxx | 12.26 | No | 80.0 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000102644 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 12362.5 | xxx | 6.260% | No AUS | No | 7.040% | 6.875% | $3,186.10 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $4,083.68 | $5,362.32 | $0.00 | 0.00% | 43.71% | 43.71% | No | No | Employed | Employed | Written Verification of Employment | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 92 | 34 | FNMA 1005 | Yes | 64 | 34 | FNMA 1005 | No | 0 | N/A | Borrower - Wage - Written VOE Verified - ["2024","2025","2023"] || Co Borrower - Wage - Written VOE Verified - ["2023","2024","2025"] | Borrower - ["2024","2025","2023"] || Co Borrower - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 724 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx | N/A | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 7.82 | xxx | 7.82 | No | 74.62 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000102206 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 6255 | xxx | 6.260% | No AUS | No | 6.915% | 6.875% | $19,915.09 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $24,685.20 | $42,992.12 | xxx | xxx | xxx | xxx | Monthly | 0.00% | 42.46% | 46.35% | No | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | Audited | 22 | Tax Preparer | Yes | 24 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified, Lease Agreements Verified - ["2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 787 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | Permanent Resident Alien | Permanent Resident Alien | N/A | Other | USA Patriot Act | xxx | xxx | xxx | I-551 Permanent Resident Card | xxx | Fee Simple | No | No | N/A | xxx | 63.85 | xxx | 63.85 | No | 73.53 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000101276 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | Yes | No | N/A | N/A | LPA | LP Accept/Eligible | No | 7.250% | $1,100.01 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $1,851.47 | $4,252.19 | $0.00 | 0.00% | 41.79% | 41.79% | Yes | Not Employed | Full Documentation | 0 | NA | N/A | 0 | 1 | 0 | 1 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | Proceeds from Sale | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - Retirement, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 1 YR Executed 4506T Verified, 1040 Schedule E Verified - ["2024"] | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Executed 4506T Verified, 1040 Schedule E Verified - ["2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 685 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 109.45 | xxx | 109.45 | No | 75.0 | N/A | xxx | xxx | xxx | xxx | 2 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000101495 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 1555.25 | xxx | 6.170% | DU | DU Approve/Eligible | No | 7.661% | 7.250% | $2,201.04 | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | $2,624.52 | $5,230.48 | xxx | xxx | xxx | xxx | Annually | 0.00% | 40.22% | 40.22% | Yes | Employed | Full Documentation | 1 | 2+ Months | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | Borrower - Wage - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 817 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 2.24 | xxx | 2.24 | No | 90.0 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000102959 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | Appendix Q Documentation | 1575.25 | xxx | 6.230% | LPA | LP Accept/Eligible | No | 6.757% | 6.625% | $1,440.70 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $1,681.10 | $8,777.28 | $0.00 | 0.00% | 39.09% | 39.09% | Yes | Yes | Not Employed | Not Employed | Full Documentation | 1 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | Yes | Yes | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% | Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - Retirement, Retirement, Retirement - 1 YR W2 1099 Verified, 2 YRS Executed 4506T Verified, Award Letter Verified - ["2024"] || Co Borrower - Retirement - 2 YRS Executed 4506T Verified, Award Letter Verified - ["2024"] | Borrower - 2 YRS Executed 4506T Verified - ["2024"] || Co Borrower - 2 YRS Executed 4506T Verified - ["2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 796 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 74.92 | xxx | 74.92 | No | 42.86 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000101679 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 2450 | xxx | 6.170% | No AUS | No | 7.300% | 7.250% | $9,430.40 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $11,673.57 | $21,033.65 | $0.00 | 0.00% | 42.57% | 42.57% | No | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | Third-Party Prepared (Unaudited) | 22 | Tax Preparer | Yes | 24 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 779 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA PATRIOT ACT | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 5.89 | xxx | 5.89 | No | 80.0 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000101832 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 7.125% | $1,155.43 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $1,692.87 | $0.00 | xxx | xxx | xxx | xxx | Monthly | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0.00% | 0 | 0 | No | 0 | 0 | 0 | Yes | 1.122 | 1.09 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 812 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot ACT | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 4.88 | xxx | 4.88 | No | 70.0 | Yes | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000102459 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 1820.25 | xxx | 6.260% | No AUS | No | 6.778% | 6.625% | $1,920.93 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $2,800.12 | $19,843.58 | $0.00 | 0.00% | 20.75% | 20.75% | Yes | Yes | Self-Employed | Not Employed | 24 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 24 | No | N/A | 0 | 0 | 0.00% | 100.00% | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 82 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - SESCorp - CPA Letter Verified, Business Bank Statements Verified || Co Borrower | Borrower || Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 780 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 13.19 | xxx | 13.19 | No | 80.0 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000100589 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 1820 | xxx | 6.160% | No AUS | No | 6.841% | 6.750% | $6,226.54 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $6,517.87 | $18,752.13 | $0.00 | 0.00% | 35.84% | 35.84% | No | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 0.00% | 100.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 768 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 13.84 | xxx | 13.84 | No | 80.0 | No | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000101962 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 2660 | xxx | 6.260% | No AUS | No | 6.906% | 6.875% | $13,138.58 | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | $17,374.10 | $15,764.32 | xxx | xxx | xxx | xxx | Monthly | 0.00% | 54.18% | 54.18% | No | Employed | 2YR Full Doc | 2 | 2+ Months | N/A | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - Wage, Overtime and Bonus, Other - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified - ["2023","2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 771 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 101.92 | xxx | 101.92 | No | 71.09 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000103306 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 17541.25 | xxx | 6.230% | No AUS | No | 6.685% | 6.625% | $3,925.11 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $5,496.76 | $13,073.24 | $0.00 | 0.00% | 29.61% | 29.61% | No | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | Audited | 22 | CPA | Yes | 32 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 798 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot act | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | 0.23 | No | 43.79 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000103325 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 7.250% | $1,309.78 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $1,659.03 | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Yes | Unknown | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0 | 0 | 0.00% | 0.00% | 0.00% | Stocks/Bonds | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | 0 | Yes | 1.055 | 1.055 | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified || Co Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 730 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | Permanent Resident Alien | Real ID Driver's License | xxx | xxx | xxx | I-551 Permanent Resident Card | xxx | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 59.44 | xxx | 59.44 | No | 80.0 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000102676 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 2070 | xxx | 6.260% | No AUS | No | 6.545% | 6.500% | $6,636.71 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $9,260.47 | $19,310.92 | $0.00 | 0.00% | 36.70% | 36.70% | No | No | Employed | Employed | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 29 | 29 | Other | Yes | 76 | 34 | FNMA 1005 | No | 0 | N/A | Borrower - Wage, Overtime and Bonus, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - ["2023","2024","2025"] || Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - ["2023","2024","2025"] | Borrower - 2 YRS Executed 4506T Verified - ["2023","2024","2025"] || Co Borrower - 2 YRS Executed 4506T Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 797 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 236.99 | xxx | 236.99 | No | 43.75 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000102036 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 8550 | xxx | 6.260% | No AUS | No | 7.092% | 6.875% | $3,731.36 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $5,327.90 | $8,702.09 | $0.00 | 0.00% | 45.61% | 45.61% | No | No | Employed | Employed | Written Verification of Employment | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 180 | 34 | FNMA 1005 | Yes | 180 | 34 | FNMA 1005 | No | 0 | N/A | Borrower - Wage, Other REO Net Rental Income(Loss) - Written VOE Verified - ["2024","2023","2025"] || Co Borrower - Wage - Written VOE Verified - ["2023","2024","2025"] | Borrower - ["2024","2023","2025"] || Co Borrower - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 780 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Missing | xxx | xxx | N/A | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 6.96 | xxx | 6.96 | No | 80.0 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000103078 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | Yes | No | N/A | N/A | 2265.25 | xxx | 6.230% | LPA | LP Accept/Eligible | No | 6.748% | 6.500% | $695.27 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $1,089.94 | $4,869.22 | $0.00 | 0.00% | 39.76% | 39.76% | Yes | Employed | Full Documentation | 0 | NA | N/A | 0 | 0 | 0 | 2 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 288 | 30 | FNMA 1005 | 0 | No | 0 | N/A | Borrower - Wage, Overtime and Bonus, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - Written VOE Verified, 2 YRS Executed 4506T Verified, Lease Agreements Verified - ["2023","2024","2025"] | Borrower - 2 YRS Executed 4506T Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 770 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 38.83 | xxx | 137.8 | No | 32.26 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000099728 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 6.875% | $1,218.60 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $1,579.83 | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0.00% | 0 | 0 | No | 0 | 0 | 0 | Yes | 1.488 | 1.488 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 786 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | 34.13 | No | 70.0 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000102693 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 7.125% | $2,182.03 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $2,512.82 | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Yes | Unknown | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0 | 0 | 0.00% | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | 0 | Yes | 1.094 | 1.094 | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 703 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 7.49 | xxx | 33.26 | No | 70.0 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000104908 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 4895 | xxx | 6.230% | No AUS | No | 6.578% | 6.375% | $1,684.45 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $2,414.55 | $6,135.57 | xxx | xxx | xxx | xxx | Annually | 0.00% | 44.22% | 44.22% | No | No | Employed | Employed | Written Verification of Employment | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 30 | 30 | FNMA 1005 | Yes | 15 | 15 | FNMA 1005 | No | 0 | N/A | Borrower - Wage, Other REO Net Rental Income(Loss) - Written VOE Verified - ["2025","2024","2023"] || Co Borrower - Wage - Written VOE Verified - ["2025","2024","2023"] | Borrower - ["2025","2024","2023"] || Co Borrower - ["2025","2024","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 783 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Permanent Resident Alien | Permanent Resident Alien | N/A | Real ID Driver's License | xxx | xxx | xxx | I-551 Permanent Resident Card | xxx | Fee Simple | No | No | N/A | xxx | 3.40 | xxx | 3.4 | No | 54.0 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000101568 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 1480 | xxx | 6.170% | DU | DU Approve/Eligible | No | 7.917% | 7.625% | $2,325.10 | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | $3,430.36 | $16,067.16 | xxx | xxx | xxx | xxx | Monthly | 0.00% | 24.39% | 24.39% | Yes | Yes | Employed | Not Employed | Full Documentation | 1 | 0 | Less than 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 26 | 26 | Work Number | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - Wage - 1 YR W2 1099 Verified, Less than 1 Month Paystubs Verified, Written VOE Verified, 1 YR Executed 4506T Verified - ["2024","2025"] || Co Borrower | Borrower - 1 YR Executed 4506T Verified - ["2024","2025"] || Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 792 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | Identity Verification and Acknowledgment Certificate | xxx | xxx | xxx | N/A | US Citizen | US Citizen | N/A | Other | Identity Verification and Acknowledgment Certificate | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 4.42 | xxx | 4.42 | No | 90.0 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000105257 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 6.875% | $3,645.95 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $4,564.33 | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0.00% | 0 | 0 | No | 0 | 0 | 0 | Yes | 0.701 | 0.701 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 814 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | Unknown | N/A | xxx | 21.25 | xxx | 21.25 | No | 75.0 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000104489 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 5700 | xxx | 6.160% | No AUS | No | 6.808% | 6.625% | $3,841.86 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $5,212.52 | $30,739.83 | $0.00 | 0.00% | 32.25% | 32.25% | No | Self-Employed | 24 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 24 | No | 100.00% | 100.00% | N/A | 0 | N/A | Yes | 33 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, Business Bank Statements Verified - ["2023","2024","2025"] | Borrower - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 731 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot act | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 65.75 | xxx | 65.75 | No | 54.55 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000099236 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | Yes | No | N/A | N/A | DU | DU Approve/Eligible | No | 6.875% | $2,882.28 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $3,867.01 | $75,972.17 | xxx | xxx | xxx | xxx | Annually | 0.00% | 12.57% | 12.57% | Yes | Self-Employed | Full Documentation | 1 | Less than 1 Month | N/A | 0 | 1 | 1 | 3 | 1 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | Stocks/Bonds | Borrower Prepared | 9 | Borrower | Yes | 24 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified, CPA Letter Verified, YTD Profit And Loss Verified, 1 YR W2 1099 Verified, Less than 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - ["2024"] | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - ["2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 745 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 43.15 | xxx | 43.15 | No | 75.0 | Yes | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000102254 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 7.125% | $4,800.24 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $5,945.25 | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0.00% | 0 | 0 | No | 0 | 0 | 0 | Yes | 0.706 | 0.706 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 779 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | Permanent Resident Alien | Permanent Resident Alien | N/A | Real ID Driver's License | xxx | xxx | xxx | I-551 Permanent Resident Card | xxx | Fee Simple | No | Unknown | N/A | xxx | 13.58 | xxx | 13.58 | No | 75.0 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000103075 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 6.000% | $5,189.72 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $6,077.53 | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0.00% | 0 | 0 | No | 0 | 0 | 0 | Yes | 1.185 | 1.18 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 752 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 16.76 | xxx | 16.76 | No | 50.0 | N/A | xxx | xxx | xxx | xxx | 2 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000101963 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 6.625% | $1,344.62 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $1,704.79 | $0.00 | xxx | xxx | xxx | xxx | Monthly | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0.00% | 0 | 0 | No | 0 | 0 | 0 | Yes | 1.32 | 1.32 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 693 | 7 | xxx | xxx | 1 | 80 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 373.18 | xxx | 373.18 | No | 50.0 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000105726 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 5790 | xxx | 6.260% | No AUS | No | 6.883% | 6.625% | $1,587.97 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $2,015.03 | $4,843.66 | xxx | xxx | xxx | xxx | Annually | 0.00% | 29.89% | 29.89% | No | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | Audited | 22 | CPA | Yes | 24 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - [] | Borrower - [] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 759 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 27.54 | xxx | 27.54 | No | 80.0 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000087722 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 7.500% | $7,000.00 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $8,888.84 | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0.00% | 0 | 0 | No | 0 | 0 | 0 | Yes | 0.956 | 1.01 | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 725 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 25.27 | xxx | 46.37 | No | 69.14 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000096918 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 12821.16 | xxx | 6.310% | No AUS | No | 6.963% | 6.490% | $1,995.26 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $2,762.17 | $4,354.08 | $0.00 | 0.00% | 38.81% | 38.81% | No | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | 0.00% | 100.00% | Borrower Prepared | 12 | Borrower | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor - YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - ["2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 812 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | 6.48 | No | 45.8 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000102278 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | Yes | No | N/A | N/A | DU | DU Approve/Eligible | No | 7.250% | $1,009.62 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $1,273.53 | $5,888.25 | $0.00 | 0.00% | 46.17% | 46.17% | Yes | Self-Employed | Full Documentation | 0 | NA | N/A | 0 | 2 | 0 | 2 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | 0.00% | 100.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 1040 Schedule E Verified - ["2024","2025"] | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 1040 Schedule E Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 796 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 54.00 | xxx | 54 | No | 80.0 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000099732 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 1770 | xxx | 6.240% | No AUS | No | 6.910% | 6.875% | $4,342.29 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | $5,147.13 | $22,847.98 | $0.00 | 0.00% | 36.82% | 36.82% | Yes | Yes | Employed | Employed | 2YR Full Doc | 1 | 2 | 2+ Months | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 188 | 35 | Work Number | Yes | 15 | 23 | Work Number | No | 0 | N/A | Borrower - Wage - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - ["2023","2024","2025"] || Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - ["2024","2025"] | Borrower - 2 YRS Executed 4506T Verified - ["2023","2024","2025"] || Co Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 774 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | xxx | xxx | N/A | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 26.05 | xxx | 26.14 | No | 62.95 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000101951 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | Appendix Q Documentation | 1269.95 | xxx | 6.260% | DU | DU Approve/Eligible | No | 8.200% | 7.750% | $4,513.39 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | $5,640.54 | $12,238.52 | $0.00 | 0.00% | 48.47% | 48.47% | Yes | Employed | Full Documentation | 2 | NA | N/A | 0 | 0 | 0 | 2 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | 0.00% | 0.00% | Stocks/Bonds | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 2 YRS Executed 4506T Verified - ["2023","2024","2025"] | Borrower - 2 YRS Executed 4506T Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 753 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 101.85 | xxx | 101.85 | No | 90.0 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000102469 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 10445 | xxx | 6.170% | No AUS | No | 6.643% | 6.375% | $2,479.88 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $3,157.05 | $4,830.95 | xxx | xxx | xxx | xxx | Annually | 0.00% | 39.52% | 39.52% | No | Employed | Written Verification of Employment | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 38 | 35 | FNMA 1005 | 0 | No | 0 | N/A | Borrower - Wage, Overtime and Bonus - Written VOE Verified - ["2023","2024","2025"] | Borrower - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 772 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | .51 | xxx | 0.51 | No | 75.0 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000104307 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 7.250% | $2,405.52 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $3,506.94 | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0.00% | 0 | 0 | No | 0 | 0 | 0 | Yes | 0.97 | 0.97 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 717 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | Permanent Resident Alien | Permanent Resident Alien | N/A | Real ID Driver's License | xxx | xxx | xxx | I-151 Permanent Resident Card | xxx | Fee Simple | No | No | N/A | .00 | .00 | xxx | 19.91 | No | 65.0 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000101387 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 1920 | xxx | 6.170% | No AUS | No | 6.537% | 6.500% | $4,424.48 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $5,570.35 | $26,809.13 | $0.00 | 0.00% | 17.49% | 17.49% | No | Unknown | Asset Depletion – Debt Ratio Calculation | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | Yes | No | 84.0 | No | Yes | Yes | 6 | 0 | No | 100.00% | 0.00% | Stocks/Bonds | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - Asset Depletion - Personal Bank Statements Verified - ["2025"] | Borrower - ["2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 788 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 486.81 | xxx | 486.81 | No | 68.63 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000104586 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 5338.75 | xxx | 6.260% | No AUS | No | 6.453% | 6.375% | $4,795.99 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $5,987.07 | $6,738.39 | $0.00 | 0.00% | 48.36% | 48.36% | No | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 100.00% | 100.00% | N/A | 0 | N/A | Yes | 24 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified, Lease Agreements Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 801 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 15.34 | xxx | 15.34 | No | 75.0 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000102347 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 6.625% | $973.27 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $1,479.45 | $0.00 | xxx | xxx | xxx | xxx | Annually | 0.00% | 0.00% | 0.00% | Yes | Yes | Unknown | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0 | 0 | 0.00% | 0.00% | 0.00% | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | 0 | Yes | 1.115 | 1.115 | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified || Co Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 752 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 9.01 | xxx | 9.01 | No | 80.0 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000105675 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 2290 | xxx | 6.260% | No AUS | No | 6.126% | 6.000% | $2,997.75 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $4,538.91 | $12,424.09 | $0.00 | 0.00% | 28.56% | 28.56% | No | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | Audited | 22 | CPA | Yes | 24 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2025","2024"] | Borrower - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 793 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | .00 | 0 | No | 40.0 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000102461 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 9945 | xxx | 6.170% | No AUS | No | 6.918% | 6.750% | $4,280.75 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $5,574.75 | $25,770.13 | $0.00 | 0.00% | 26.40% | 26.40% | No | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | Third-Party Prepared (Unaudited) | 22 | Tax Preparer | Yes | 24 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 801 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | 0.38 | No | 60.0 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000100389 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 7.625% | $1,443.90 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $1,830.16 | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0.00% | 0 | 0 | No | 0 | 0 | 0 | Yes | 1.147 | 1.14 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 723 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 197.53 | xxx | 205.9 | No | 60.0 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000098488 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 6.875% | $3,843.03 | No | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 | $4,514.64 | $0.00 | xxx | xxx | xxx | xxx | Monthly | 0.00% | 0.00% | 0.00% | Yes | Yes | Unknown | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0 | 0 | 0.00% | 0.00% | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | 0 | Yes | 0.775 | 0.78 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 727 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx | N/A | US Citizen | US Citizen | N/A | Other | USA Patriot Act Disclosure | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 263.73 | xxx | 264.54 | No | 75.0 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000101748 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 7.500% | $1,402.80 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $1,752.80 | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0.00% | 0 | 0 | No | 0 | 0 | 0 | Yes | 1.255 | 1.26 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 782 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | USA Patriot Act Disclosure | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 32.99 | xxx | 32.99 | No | 75.0 | N/A | xxx | xxx | xxx | xxx | 2 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000101706 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | Yes | No | N/A | N/A | LPA | LP Accept/Eligible | No | 7.250% | $1,282.49 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $1,730.69 | $15,064.38 | $0.00 | 0.00% | 32.12% | 32.12% | Yes | Yes | Employed | Employed | Full Documentation | 1 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 125 | 34 | FNMA 1005 | No | 0 | N/A | Borrower - Wage, Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified - ["2024","2025"] || Co Borrower - Wage, Overtime and Bonus - Written VOE Verified - ["2023","2024","2025"] | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] || Co Borrower - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 799 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 20.00 | xxx | 20 | No | 80.0 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000101849 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 7.375% | $2,978.54 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $3,857.52 | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0.00% | 0 | 0 | No | 0 | 0 | 0 | Yes | 1.037 | 1.037 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 735 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 8.55 | xxx | 8.55 | No | 75.0 | N/A | xxx | xxx | xxx | xxx | 2 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000100213 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 8.250% | $3,662.42 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $4,834.53 | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0.00% | 0 | 0 | No | 0 | 0 | 0 | Yes | 1.784 | 1.72 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 762 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 12.99 | xxx | 24.05 | No | 75.0 | N/A | xxx | xxx | xxx | xxx | 4 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000101632 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 6.625% | $1,158.95 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $1,596.26 | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0.00% | 0 | 0 | No | 0 | 0 | 0 | Yes | 1.406 | 1.406 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 807 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 11.75 | xxx | 11.75 | No | 60.0 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000104357 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 7.625% | $3,291.24 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $3,797.04 | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0.00% | 0 | 0 | No | 0 | 0 | 0 | Yes | 1.211 | 1.21 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 718 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | xxx | xxx | N/A | Fee Simple | No | Yes | N/A | .00 | .00 | xxx | 38.33 | No | 75.0 | N/A | xxx | xxx | xxx | xxx | 2 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000102510 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 2529.25 | xxx | 6.260% | DU | DU Approve/Eligible | No | 8.054% | 7.750% | $1,450.73 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | $1,676.90 | $10,658.57 | $0.00 | 0.00% | 29.51% | 29.51% | Yes | Self-Employed | Full Documentation | 0 | NA | N/A | 0 | 0 | 0 | 2 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 61 | 35 | Work Number | 0 | No | 0 | N/A | Borrower - Wage - Written VOE Verified, 2 YRS Executed 4506T Verified - ["2023","2024","2025"] | Borrower - 2 YRS Executed 4506T Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 804 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA PATRIOT ACT | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 9.45 | xxx | 9.45 | No | 90.0 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000104354 | xxx | xxx | xxx | Yes | xxx | xxx | xxx | xxx | xxx | ATR/QM: Exempt | Yes | No | No | N/A | Appendix Q Documentation | 10510 | xxx | 6.260% | No AUS | No | 8.359% | 8.125% | $3,697.63 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $4,064.83 | $6,327.26 | $0.00 | 0.00% | 52.30% | 52.30% | No | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 2 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 100.00% | 100.00% | N/A | 0 | N/A | Yes | 24 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] | Borrower - 2 YRS Executed 4506T Verified - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 714 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 1.42 | xxx | 8.81 | No | 80.0 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000101380 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 7.250% | $3,197.70 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $4,021.19 | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0.00% | 0 | 0 | No | 0 | 0 | 0 | Yes | 1.281 | 1.29 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 720 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 6.50 | xxx | 6.5 | No | 75.0 | N/A | xxx | xxx | xxx | xxx | 4 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000104090 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 6.500% | $4,029.43 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $4,352.39 | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0.00% | 0 | 0 | No | 0 | 0 | 0 | Yes | 0.758 | 0.758 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 780 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 156.39 | xxx | 156.39 | No | 75.0 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000098469 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 6.875% | $5,715.28 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $6,859.10 | $0.00 | xxx | xxx | xxx | xxx | Monthly | 0.00% | 0.00% | 0.00% | Yes | Yes | Unknown | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0 | 0 | 0.00% | 0.00% | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | 0 | Yes | 0.787 | 0.81 | Yes | Borrower - N/A, N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 727 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Enhanced Driver's License (MI, MN, NY, VT, WA) | xxx | xxx | xxx | N/A | US Citizen | US Citizen | N/A | Enhanced Driver's License (MI, MN, NY, VT, WA) | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 190.37 | xxx | 190.39 | No | 67.18 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000104657 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 7.250% | $1,279.08 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $1,638.67 | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Yes | Unknown | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0 | 0 | 0.00% | 0.00% | 0.00% | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | 0 | Yes | 1.007 | 1.0 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified || Co Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 792 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 65.57 | xxx | 65.57 | No | 75.0 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000105297 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 7823.13 | xxx | 6.190% | No AUS | No | 7.068% | 6.875% | $3,325.70 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $4,842.84 | $17,676.14 | xxx | xxx | xxx | xxx | Monthly | 0.00% | 21.71% | 21.71% | No | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | Audited | 22 | CPA | Yes | 24 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 794 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 35.61 | xxx | 35.61 | No | 75.0 | No | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000106644 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 6.250% | $7,819.61 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $9,034.01 | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0.00% | 0 | 0 | No | 0 | 0 | 0 | Yes | 1.018 | 1.018 | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 778 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 8.00 | xxx | 8 | No | 68.46 | N/A | xxx | xxx | xxx | xxx | 2 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000105944 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 2450 | xxx | 6.230% | No AUS | No | 7.151% | 7.125% | $8,292.12 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $10,222.20 | $20,113.83 | $0.00 | 0.00% | 42.47% | 42.47% | No | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | 0.00% | 100.00% | Audited | 23 | CPA | Yes | 24 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 794 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | Patriot Act | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 6.26 | xxx | 7.11 | No | 69.93 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000102052 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 1380.25 | xxx | 6.260% | No AUS | No | 7.191% | 7.125% | $1,643.87 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $2,447.72 | $19,098.45 | xxx | xxx | xxx | xxx | Annually | 0.00% | 22.63% | 22.63% | Yes | Yes | Employed | Employed | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified - ["2023","2024","2025"] || Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified - ["2023","2024","2025"] | Borrower - 2 YRS Executed 4506T Verified - ["2023","2024","2025"] || Co Borrower - 2 YRS Executed 4506T Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 796 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 58.83 | xxx | 58.73 | No | 80.0 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000104768 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 6348.75 | xxx | 6.190% | LPA | LP Accept/Eligible | No | 7.621% | 7.250% | $3,622.36 | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | $4,257.09 | $25,559.22 | xxx | xxx | xxx | xxx | Annually | 0.00% | 28.09% | 28.09% | Yes | Yes | Employed | Not Employed | Full Documentation | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 285 | 34 | Work Number | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - Wage, Commission - Written VOE Verified, 2 YRS Executed 4506T Verified - ["2023","2024","2025"] || Co Borrower - N/A | Borrower - 2 YRS Executed 4506T Verified - ["2023","2024","2025"] || Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 769 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 5.17 | xxx | 5.17 | No | 90.0 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000102901 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 2006.75 | xxx | 6.230% | No AUS | No | 6.338% | 6.250% | $1,773.27 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | $2,037.16 | $6,907.79 | $0.00 | 0.00% | 41.90% | 41.90% | Yes | Yes | Retired | Retired | 1YR 1099 Only | 1 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - Retirement, SSI and Disability - 1 YR W2 1099 Verified, 2 YRS Executed 4506T Verified - ["2025","2024"] || Co Borrower - 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified - ["2025","2024"] || Co Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 757 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA PATRIOT ACT | xxx | xxx | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 32.85 | xxx | 32.85 | No | 80.0 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000102844 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 1901 | xxx | 6.230% | No AUS | No | 6.753% | 6.625% | $7,273.93 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $8,173.26 | $17,208.09 | $0.00 | 0.00% | 42.04% | 42.04% | No | No | Employed | Not Employed | 2YR Full Doc | 2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 360 | 35 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 | Borrower - Wage, Other REO Net Rental Income(Loss), Bonus - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] || Co Borrower | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] || Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 811 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | xxx | xxx | N/A | US Citizen | US Citizen | N/A | Enhanced Driver's License (MI, MN, NY, VT, WA) | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 26.94 | xxx | 26.94 | No | 80.0 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000105672 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 7904 | xxx | 6.260% | No AUS | No | 6.801% | 6.625% | $3,313.61 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $4,241.64 | $6,565.98 | xxx | xxx | xxx | xxx | Monthly | 0.00% | 44.79% | 44.79% | No | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 100.00% | 50.00% | N/A | 0 | N/A | Yes | 60 | No | NA | 0 | 0 | N/A | 0 | No | 0 | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - ["2025","2024"] | Borrower - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 815 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 5.24 | xxx | 5.24 | No | 75.0 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000105965 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 10435.42 | xxx | 6.190% | No AUS | No | 6.482% | 6.125% | $1,842.81 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $2,601.95 | $5,860.05 | xxx | xxx | xxx | xxx | Annually | 0.00% | 31.06% | 31.06% | No | Employed | Written Verification of Employment | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 26 | 26 | FNMA 1005 | 0 | No | 0 | N/A | Borrower - Wage, Bonus - Written VOE Verified - [] | Borrower - [] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 749 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 2.05 | xxx | 2.05 | No | 60.0 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000105976 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 6.750% | $2,111.19 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $2,755.76 | $0.00 | xxx | xxx | xxx | xxx | Monthly | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0 | 0 | No | 0 | 0 | 0 | Yes | 1.107 | 1.1 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 805 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 74.98 | xxx | 74.98 | No | 70.0 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000107315 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 2450 | xxx | 6.190% | No AUS | No | 6.915% | 6.875% | $5,314.55 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $6,424.86 | $14,672.96 | $0.00 | 0.00% | 33.78% | 33.78% | No | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | Third-Party Prepared (Unaudited) | 22 | Tax Preparer | Yes | 24 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - ["2025","2024"] | Borrower - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 772 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA PATRIOT ACT | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | 0.6 | No | 73.55 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000102814 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 2320 | xxx | 6.230% | No AUS | No | 6.928% | 6.875% | $9,197.00 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $11,385.17 | $529,374.10 | $0.00 | 0.00% | 4.51% | 4.51% | No | Self-Employed | 24 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 24 | No | 100.00% | 100.00% | N/A | 0 | N/A | Yes | 113 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024","2023"] | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 811 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 94.70 | xxx | 94.76 | No | 80.0 | N/A | xxx | xxx | xxx | xxx | 4 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000102174 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 7.500% | $1,230.62 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $1,699.31 | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0 | 0 | No | 0 | 0 | 0 | Yes | 1.118 | 1.118 | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 764 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 24.27 | xxx | 24.27 | No | 80.0 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000104825 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | Yes | No | N/A | N/A | LPA | LP Accept/Eligible | No | 6.625% | $2,876.60 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $3,411.12 | $7,960.95 | xxx | xxx | xxx | xxx | Annually | 0.00% | 46.00% | 46.00% | Yes | Yes | Retired | Self-Employed | Full Documentation | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 1 | 2 | 0 | Yes | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 100.00% | Stocks/Bonds,Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - Retirement, Other, Subject Property Net Rental Income(Loss) if NOO - 2 YRS Executed 4506T Verified, Award Letter Verified, Lease Agreements Verified - ["2025"] || Co Borrower - SESCorp, Other REO Net Rental Income(Loss) - 1 YR Business Tax Returns Verified, 1 YR Executed 4506T Verified - ["2024"] | Borrower - 2 YRS Executed 4506T Verified - ["2025"] || Co Borrower - 1 YR Business Tax Returns Verified, 1 YR Executed 4506T Verified - ["2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 801 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 85.16 | xxx | 85.16 | No | 57.6 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000096796 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 7.375% | $2,762.70 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $3,694.80 | $0.00 | xxx | xxx | xxx | xxx | Monthly | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0.00% | 0 | 0 | No | 0 | 0 | 0 | Yes | 0.758 | 0.757 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 759 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 11.58 | xxx | 53.01 | No | 66.67 | Yes | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000102549 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 7.125% | $2,358.01 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $3,585.15 | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0.00% | 0 | 0 | No | 0 | 0 | 0 | Yes | 2.733 | 2.75 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 820 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | 65.88 | No | 53.85 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000104529 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 7.000% | $1,970.96 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $2,885.56 | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0.00% | Stocks/Bonds | 0 | 0 | No | 0 | 0 | 0 | Yes | 1.04 | 1.04 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 754 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 30.04 | xxx | 30.04 | No | 75.0 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000104268 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 4717.49 | xxx | 6.230% | No AUS | No | 6.581% | 6.500% | $5,392.80 | No | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 | $7,517.94 | $9,232.13 | xxx | xxx | xxx | xxx | Monthly | 0.00% | 45.30% | 45.30% | No | Employed | 2YR Full Doc | 2 | 2+ Months | N/A | 0 | 0 | 0 | 2 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | Stocks/Bonds | N/A | 0 | N/A | NA | 0 | No | Yes | 292 | 292 | FNMA 1005 | 0 | No | 0 | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - ["2023","2024","2025"] | Borrower - 2 YRS Executed 4506T Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 805 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 43.69 | xxx | 43.69 | No | 80.0 | No | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000106915 | xxx | xxx | xxx | Yes | xxx | xxx | xxx | xxx | xxx | ATR/QM: Exempt | Yes | No | No | N/A | Appendix Q Documentation | 4000 | xxx | 6.220% | No AUS | No | 6.699% | 6.500% | $1,801.39 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $2,705.19 | $0.00 | xxx | xxx | xxx | xxx | Annually | 0.00% | 0.00% | 0.00% | No | No | Not Employed | Not Employed | Asset Utilization (No DTI) | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 360.0 | Yes | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - N/A - 2 YRS Executed 4506T Verified - ["2024","2023"] || Co Borrower - N/A - 2 YRS Executed 4506T Verified - ["2024","2023"] | Borrower - 2 YRS Executed 4506T Verified - ["2024","2023"] || Co Borrower - 2 YRS Executed 4506T Verified - ["2024","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 793 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot act | xxx | xxx | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 239.47 | xxx | 239.47 | No | 38.78 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000105140 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 20370 | xxx | 6.190% | No AUS | No | 6.798% | 6.625% | $7,971.87 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $9,569.61 | $14,365.39 | $0.00 | 0.00% | 43.55% | 43.55% | No | Employed | Written Verification of Employment | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 53 | 33 | Work Number | 0 | No | 0 | N/A | Borrower - Wage - Written VOE Verified - ["2023","2024","2025"] | Borrower - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 740 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 6.17 | xxx | 6.17 | No | 69.94 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000102210 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 6.875% | $1,035.98 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $1,449.92 | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0.00% | 0 | 0 | No | 0 | 0 | 0 | Yes | 1.0 | 1 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 804 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 49.35 | xxx | 49.35 | No | 73.35 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000104271 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 6.375% | $3,537.34 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $4,632.96 | $19,673.02 | $0.00 | 0.00% | 42.05% | 42.05% | Yes | Yes | Self-Employed | Self-Employed | Full Documentation | 0 | 1 | NA | 2+ Months | N/A | 0 | N/A | 0 | 1 | 0 | 1 | 1 | 2 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 100.00% | 100.00% | Borrower Prepared | 10 | Borrower | Borrower Prepared | Borrower | 9 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified - ["2024"] || Co Borrower - SECorporation - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified, YTD Profit And Loss Verified, 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024"] | Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified - ["2024"] || Co Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 704 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 11.19 | xxx | 11.19 | No | 70.0 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000104640 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 7.000% | $1,297.34 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $2,054.58 | $0.00 | xxx | xxx | xxx | xxx | Annually | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0.00% | 0 | 0 | No | 0 | 0 | 0 | Yes | 1.156 | 1.16 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 789 | NA | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 49.06 | xxx | 49.06 | No | 66.1 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000102290 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 6.750% | $7,503.75 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $8,772.89 | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0.00% | Stocks/Bonds | 0 | 0 | No | 0 | 0 | 0 | Yes | 1.22 | 1 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 787 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 47.81 | xxx | 47.81 | No | 58.0 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000105493 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 6.250% | $818.90 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $1,383.73 | $0.00 | xxx | xxx | xxx | xxx | Annually | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0.00% | 0 | 0 | No | 0 | 0 | 0 | Yes | 1.626 | 1.626 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 756 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA PATRIOT ACT | xxx | xxx | xxx | N/A | Fee Simple | No | Unknown | N/A | xxx | 11.82 | xxx | 11.82 | No | 70.0 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000096930 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 4436.61 | xxx | 5.710% | No AUS | No | 6.991% | 6.625% | $3,546.66 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $5,982.37 | $39,046.85 | $0.00 | 0.00% | 16.09% | 16.09% | No | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 2 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 0.00% | 100.00% | Stocks/Bonds | N/A | 0 | N/A | Yes | 156 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 744 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 108.40 | xxx | 108.42 | No | 31.44 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000105979 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 22345 | xxx | 6.220% | No AUS | No | 7.103% | 6.875% | $6,569.28 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $8,040.14 | $13,653.86 | $0.00 | 0.00% | 38.63% | 38.63% | No | Employed | Written Verification of Employment | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 70 | 34 | FNMA 1005 | 0 | No | 0 | N/A | Borrower - Wage, Bonus - Written VOE Verified - ["2023","2024","2025"] | Borrower - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 762 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA PATRIOT ACT | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 32.63 | xxx | 4.08 | No | 80.0 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000104000 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 8340 | xxx | 6.260% | No AUS | No | 6.576% | 6.250% | $1,982.61 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $2,727.37 | $4,047.63 | $0.00 | 0.00% | 40.48% | 40.48% | No | Employed | Written Verification of Employment | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 48 | 34 | FNMA 1005 | 0 | No | 0 | N/A | Borrower - Wage - Written VOE Verified - ["2025","2024","2023"] | Borrower - ["2025","2024","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 800 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 35.44 | xxx | 35.44 | No | 70.0 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000102669 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 1770 | xxx | 6.260% | No AUS | No | 6.918% | 6.875% | $6,093.01 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $7,966.30 | $16,271.73 | xxx | xxx | xxx | xxx | Annually | 0.00% | 42.57% | 42.57% | No | Employed | Full Documentation | 2 | 1 Month | N/A | 0 | 0 | 0 | 2 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - Wage, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified - ["2023","2024","2025"] | Borrower - 2 YRS Executed 4506T Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 741 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 121.30 | xxx | 121.3 | No | 72.75 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000106094 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 20130 | xxx | 6.220% | No AUS | No | 6.509% | 6.490% | $13,510.29 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $16,105.78 | $169,609.22 | $0.00 | 0.00% | 9.97% | 9.97% | No | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 100.00% | 100.00% | N/A | 0 | N/A | Yes | 24 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 776 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | Permanent Resident Alien | Permanent Resident Alien | N/A | Real ID Driver's License | xxx | xxx | xxx | I-551 Permanent Resident Card | xxx | Fee Simple | No | No | N/A | xxx | 37.54 | xxx | 37.88 | No | 64.77 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000107297 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 2445 | xxx | 6.260% | No AUS | No | 6.679% | 6.625% | $3,841.87 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $5,126.70 | $10,521.98 | $0.00 | 0.00% | 38.51% | 38.51% | No | Self-Employed | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 100.00% | 100.00% | N/A | 0 | N/A | Yes | 34 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SECorporation - CPA Letter Verified, Business Bank Statements Verified - ["2025","2024"] | Borrower - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 814 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 9.70 | xxx | 9.7 | No | 65.22 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000102740 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 6.750% | $1,829.05 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $2,486.44 | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0.00% | 0 | 0 | No | 0 | 0 | 0 | Yes | 1.287 | 1.005 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 799 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 16.60 | xxx | 16.6 | No | 60.0 | N/A | xxx | xxx | xxx | xxx | 2 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000100393 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 4993.75 | xxx | 6.160% | No AUS | No | 7.062% | 6.875% | $1,034.66 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $1,312.60 | $5,388.40 | $0.00 | 0.00% | 28.15% | 28.15% | No | Employed | Written Verification of Employment | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 74 | 33 | FNMA 1005 | 0 | No | 0 | N/A | Borrower - Wage - Written VOE Verified - ["2025","2024","2023"] | Borrower - ["2025","2024","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 800 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 12.92 | xxx | 12.92 | No | 70.0 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000108165 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 42695 | xxx | 6.190% | No AUS | No | 6.757% | 6.625% | $20,618.01 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $29,068.02 | $53,584.83 | $0.00 | 0.00% | 43.59% | 43.59% | No | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | Audited | 12 | Tax Preparer | Yes | 24 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - ["2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 744 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 12.34 | xxx | 12.39 | No | 64.4 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000100150 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 7.000% | $1,663.26 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $2,359.69 | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0.00% | 0 | 0 | No | 0 | 0 | 0 | Yes | 1.25 | 1.37 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 787 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | 105.04 | No | 42.02 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000102427 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 6.625% | $1,014.25 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $1,348.07 | $0.00 | xxx | xxx | xxx | xxx | Monthly | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0 | 0 | No | 0 | 0 | 0 | Yes | 1.039 | 1.39 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 785 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 40.09 | xxx | 40.09 | No | 80.0 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000103097 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 1980.25 | xxx | 6.230% | DU | DU Approve/Eligible | No | 6.764% | 6.625% | $2,241.80 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $3,769.10 | $9,677.94 | $0.00 | 0.00% | 46.24% | 46.24% | Yes | Yes | Employed | Employed | Full Documentation | 0 | 0 | NA | Less than 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | Proceeds from Sale | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 309 | 34 | Work Number | Yes | 335 | 23 | FNMA 1005 | No | 0 | N/A | Borrower - Wage, Overtime - Written VOE Verified - ["2023","2024","2025"] || Co Borrower - Wage - Less than 1 Month Paystubs Verified, Written VOE Verified - ["2025","2024"] | Borrower - ["2023","2024","2025"] || Co Borrower - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 758 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 430.68 | xxx | 430.68 | No | 58.34 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000107316 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 2095 | xxx | 6.190% | No AUS | No | 6.906% | 6.750% | $2,734.25 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $3,360.00 | $5,449.00 | xxx | xxx | xxx | xxx | Monthly | 0.00% | 42.03% | 42.03% | No | Employed | Written Verification of Employment | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 39 | 34 | FNMA 1005 | 0 | No | 0 | N/A | Borrower - Wage - Written VOE Verified - ["2025","2024","2023"] | Borrower - ["2025","2024","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 751 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | Permanent Resident Alien | Permanent Resident Alien | Real ID Driver's License | xxx | xxx | xxx | I-151 Permanent Resident Card | xxx | Fee Simple | No | No | N/A | xxx | 5.53 | xxx | 5.53 | No | 80.0 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000106343 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 6.375% | $2,128.64 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $3,125.72 | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0.00% | 0 | 0 | No | 0 | 0 | 0 | Yes | 0.896 | 0.879 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 785 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | Permanent Resident Alien | Permanent Resident Alien | N/A | Real ID Driver's License | xxx | xxx | xxx | I-551 Permanent Resident Card | xxx | Fee Simple | No | Unknown | N/A | xxx | 11.25 | xxx | 11.25 | No | 59.94 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000107348 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 6.125% | $1,828.91 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $2,491.94 | $14,397.95 | xxx | xxx | xxx | xxx | Monthly | 0.00% | 23.06% | 23.06% | Yes | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | Audited | 23 | Tax Preparer | NA | 0 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 751 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | US Patriot Act | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 9.23 | xxx | 9.23 | No | 69.84 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000103782 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 7.375% | $3,204.73 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $4,096.70 | $27,188.63 | xxx | xxx | xxx | xxx | Monthly | 0.00% | 44.79% | 44.79% | Yes | Employed | Full Documentation | 2 | 2+ Months | N/A | 0 | 0 | 0 | 2 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | Stocks/Bonds | N/A | 0 | N/A | NA | 0 | No | Yes | 212 | 34 | Other | 0 | No | 0 | N/A | Borrower - Wage, Other, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 771 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 304.86 | xxx | 304.86 | No | 80.0 | Yes | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000098611 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | Yes | No | N/A | N/A | DU | DU Approve/Eligible | No | 6.750% | $10,896.45 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $11,645.22 | $22,917.49 | $0.00 | 0.00% | 37.04% | 37.04% | Yes | Yes | Self-Employed | Self-Employed | Full Documentation | 2 | 2 | NA | 1 Month | N/A | 0 | N/A | 0 | 2 | 2 | 2 | 2 | 0 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 50.00% | 50.00% | Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - SESCorp, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 2 YRS W2 1099 Verified, 2 YRS IRS Transcripts Verified - ["2023","2024"] || Co Borrower - SESCorp, Wage - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 2 YRS IRS Transcripts Verified - ["2023","2024"] || Co Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 772 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 94.33 | xxx | 94.33 | No | 70.0 | N/A | xxx | xxx | xxx | xxx | 4 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000105994 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 7.000% | $2,328.56 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $2,611.44 | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Yes | Unknown | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0 | 0 | 0.00% | 0.00% | 0.00% | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | 0 | Yes | 1.091 | 1.091 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified || Co Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 820 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | 131.46 | No | 63.41 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000102940 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 1620 | xxx | 6.230% | No AUS | No | 6.921% | 6.875% | $2,819.28 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $3,201.88 | $18,588.34 | $0.00 | 0.00% | 27.13% | 27.13% | Yes | Yes | Employed | Employed | 1YR Full Doc | 1 | 2 | 1 Month | Less than 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 62 | 35 | Other | Yes | 47 | 47 | Work Number | No | 0 | N/A | Borrower - Wage, Bonus - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - ["2025","2024","2023"] || Co Borrower - Wage - 2 YRS W2 1099 Verified, Less than 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - ["2025","2024","2023"] | Borrower - 2 YRS Executed 4506T Verified - ["2025","2024","2023"] || Co Borrower - 2 YRS Executed 4506T Verified - ["2025","2024","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 799 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | xxx | xxx | N/A | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 13.83 | xxx | 13.83 | No | 77.33 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000108184 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 6.250% | $2,339.73 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $3,420.11 | $0.00 | xxx | xxx | xxx | xxx | Monthly | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0.00% | Proceeds from Sale | 0 | 0 | No | 0 | 0 | 0 | Yes | 1.228 | 1.228 | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 787 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | Permanent Resident Alien | Permanent Resident Alien | N/A | Other | USA Patriot Act | xxx | xxx | xxx | I-151 Permanent Resident Card | xxx | Fee Simple | No | No | N/A | xxx | 44.20 | xxx | 44.2 | No | 40.21 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000108013 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 6.875% | $939.41 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $1,114.80 | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Yes | Unknown | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0 | 0 | 0.00% | 0.00% | 0.00% | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | 0 | Yes | 1.839 | 1.839 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified || Co Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 727 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | xxx | xxx | N/A | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | 122.99 | No | 55.0 | N/A | xxx | xxx | xxx | xxx | 2 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000097249 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 6.875% | $2,788.66 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $4,183.91 | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0.00% | Stocks/Bonds | 0 | 0 | No | 0 | 0 | 0 | Yes | 1.195 | 1.195 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 749 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 60.84 | xxx | 60.84 | No | 42.88 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000105715 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 7400 | xxx | 6.190% | No AUS | No | 6.951% | 6.750% | $3,534.86 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $4,537.61 | $10,185.06 | $0.00 | 0.00% | 39.24% | 39.24% | No | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 100.00% | Third-Party Prepared (Unaudited) | 22 | CPA | Yes | 24 | No | NA | 0 | 0 | N/A | 0 | No | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 741 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 27.68 | xxx | 27.68 | No | 79.91 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000107279 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 10340 | xxx | 6.270% | No AUS | No | 6.875% | 6.500% | $2,376.57 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $2,766.44 | $6,007.35 | xxx | xxx | xxx | xxx | Annually | 0.00% | 41.10% | 41.10% | No | Employed | Written Verification of Employment | 0 | NA | N/A | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 27 | 27 | FNMA 1005 | 0 | No | 0 | N/A | Borrower - Wage, Other REO Net Rental Income(Loss) - Written VOE Verified, 3 YRS Executed 4506T Verified - ["2023","2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 794 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 14.49 | xxx | 14.49 | No | 80.0 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000101684 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 6135 | xxx | 6.170% | No AUS | No | 7.186% | 7.000% | $2,907.37 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $3,502.32 | $5,307.23 | $0.00 | 0.00% | 44.39% | 44.39% | No | Employed | Written Verification of Employment | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 54 | 34 | FNMA 1005 | 0 | No | 0 | N/A | Borrower - Wage - Written VOE Verified - ["2023","2024","2025"] | Borrower - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 746 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | 15.38 | No | 56.03 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000105993 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 4768.75 | xxx | 6.220% | No AUS | No | 7.343% | 7.000% | $1,124.36 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $1,493.67 | $3,206.73 | $0.00 | 0.00% | 46.94% | 46.94% | No | No | Self-Employed | Self-Employed | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 50.00% | 50.00% | Third-Party Prepared (Unaudited) | 22 | Tax Preparer | Third-Party Prepared (Unaudited) | Tax Preparer | 22 | Yes | 24 | Yes | 24 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | Borrower - SEPartnership - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] || Co Borrower - SEPartnership - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["2024","2025"] || Co Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 751 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA PATRIOT ACT | xxx | xxx | xxx | N/A | Permanent Resident Alien | Permanent Resident Alien | N/A | Other | USA PATRIOT ACT | xxx | xxx | xxx | I-551 Permanent Resident Card | xxx | Fee Simple | No | No | N/A | xxx | 29.86 | xxx | 29.86 | No | 71.61 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000106815 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 6.875% | $1,369.70 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $1,990.06 | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0.00% | 0 | 0 | No | 0 | 0 | 0 | Yes | 0.93 | 0.93 | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 812 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 156.81 | xxx | 156.81 | No | 75.0 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000108201 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 10225 | xxx | 6.250% | No AUS | No | 6.904% | 6.500% | $1,706.58 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $2,625.74 | $4,299.26 | xxx | xxx | xxx | xxx | Annually | 0.00% | 38.58% | 38.58% | No | Employed | Written Verification of Employment | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 25 | 26 | FNMA 1005 | 0 | No | 0 | N/A | Borrower - Wage - Written VOE Verified - ["2023","2024","2025"] | Borrower - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 779 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | Permanent Resident Alien | Permanent Resident Alien | Other | USA Patriot Act | xxx | xxx | xxx | I-151 Permanent Resident Card | xxx | Fee Simple | No | No | N/A | xxx | 9.37 | xxx | 9.37 | No | 79.76 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000108015 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 17407.38 | xxx | 5.700% | No AUS | No | 7.280% | 6.750% | $5,455.42 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $6,485.41 | $8,405.59 | $0.00 | 0.00% | 43.97% | 43.97% | No | Self-Employed | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | 0.00% | 100.00% | Audited | 12 | Tax Preparer | Yes | 180 | No | NA | 0 | 0 | N/A | 0 | No | 0 | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - ["2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 748 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 26.47 | xxx | 26.78 | No | 68.81 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000101715 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 7.250% | $873.53 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $1,182.27 | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0.00% | 0 | 0 | No | 0 | 0 | 0 | Yes | 1.269 | 1.248 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 787 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 5.77 | xxx | 5.77 | No | 65.0 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000104154 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 7.250% | $3,325.61 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $4,063.46 | $0.00 | $0.00 | 0.00% | 0.00% | 0.00% | Yes | Yes | Unknown | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0 | 0 | 0.00% | 0.00% | 0.00% | Stocks/Bonds,Stocks/Bonds | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | 0 | Yes | 0.837 | 0.836 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified || Co Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 772 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 102.20 | xxx | 102.2 | No | 75.0 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000108202 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 7502.5 | xxx | 6.270% | No AUS | No | 6.686% | 6.375% | $1,678.21 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $2,314.57 | $4,614.47 | xxx | xxx | xxx | xxx | Annually | 0.00% | 34.08% | 34.08% | No | Employed | Written Verification of Employment | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 31 | 31 | FNMA 1005 | 0 | No | 0 | Borrower - Wage, Other REO Net Rental Income(Loss) - Written VOE Verified - ["2025","2024","2023"] | Borrower - ["2025","2024","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 773 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 12.44 | xxx | 12.44 | No | 72.9 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000106144 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 1495 | xxx | 6.190% | No AUS | No | 6.954% | 6.875% | $1,922.17 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $3,259.16 | $7,292.45 | xxx | xxx | xxx | xxx | Annually | 0.00% | 41.66% | 41.66% | No | Employed | Written Verification of Employment | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | Yes | 24 | No | Yes | 31 | 31 | FNMA 1005 | 0 | No | 0 | N/A | Borrower - Wage, Other REO Net Rental Income(Loss) - CPA Letter Verified, Written VOE Verified - ["2023","2024","2025"] | Borrower - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 808 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | Permanent Resident Alien | Permanent Resident Alien | N/A | Other | USA Patriot Act | xxx | xxx | xxx | I-551 Permanent Resident Card | xxx | Fee Simple | No | No | N/A | xxx | 3.66 | xxx | 3.66 | No | 70.0 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000104379 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 5.750% | $1,089.77 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $1,803.66 | $0.00 | xxx | xxx | xxx | xxx | Annually | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0.00% | Stocks/Bonds | 0 | 0 | No | 0 | 0 | 0 | Yes | 1.317 | 1.317 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 788 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 175.41 | xxx | 175.41 | No | 70.0 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000105186 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | Appendix Q Documentation | 1595 | xxx | 6.190% | DU | DU Approve/Eligible | No | 7.638% | 7.250% | $1,289.31 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | $1,490.48 | $6,933.27 | $0.00 | 0.00% | 26.94% | 26.94% | Yes | Yes | Retired | Retired | Full Documentation | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | Yes | Yes | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | N/A | Borrower - Retirement, SSI and Disability - 2 YRS Executed 4506T Verified, Award Letter Verified - ["2025"] || Co Borrower - SSI and Disability - 2 YRS Executed 4506T Verified, Award Letter Verified - ["2025"] | Borrower - 2 YRS Executed 4506T Verified - ["2025"] || Co Borrower - 2 YRS Executed 4506T Verified - ["2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 808 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License | xxx | xxx | xxx | N/A | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 9.64 | xxx | 9.64 | No | 90.0 | N/A | xxx | xxx | xxx | xxx | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000103768 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 7.000% | $3,867.07 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $4,475.81 | $17,479.28 | xxx | xxx | xxx | xxx | Annually | 0.00% | 41.56% | 41.56% | Yes | Yes | Employed | Employed | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 100 | 35 | Work Number | Yes | 76 | 35 | Work Number | No | 0 | Borrower - Wage, Bonus, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - ["2025","2024","2023"] || Co Borrower - Wage, Bonus - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - ["2025","2024","2023"] | Borrower - 2 YRS Executed 4506T Verified - ["2025","2024","2023"] || Co Borrower - 2 YRS Executed 4506T Verified - ["2025","2024","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 769 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Enhanced Driver's License (MI, MN, NY, VT, WA) | xxx | xxx | xxx | N/A | US Citizen | US Citizen | N/A | Enhanced Driver's License (MI, MN, NY, VT, WA) | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 31.25 | xxx | 31.25 | No | 75.0 | N/A | xxx | xxx | xxx | xxx | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000107298 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 9850 | xxx | 6.260% | No AUS | No | 6.914% | 6.875% | $4,414.56 | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | $4,774.13 | $16,279.97 | $0.00 | 0.00% | 35.25% | 35.25% | No | Employed | Written Verification of Employment | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | 0.00% | N/A | 0 | N/A | NA | 0 | No | Yes | 39 | 35 | FNMA 1005 | 0 | No | 0 | N/A | Borrower - Wage, Commission, Other REO Net Rental Income(Loss) - Written VOE Verified - ["2023","2024","2025"] | Borrower - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 789 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA PATRIOT ACT | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | xxx | 2.85 | xxx | 2.85 | No | 74.67 | N/A | xxx | xxx | xxx | xxx | 2 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4000105725 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | No AUS | No | 6.625% | $1,534.98 | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | $1,872.14 | $0.00 | xxx | xxx | xxx | xxx | Monthly | 0.00% | 0.00% | 0.00% | Yes | Unknown | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | 0 | 0 | No | 0 | 0 | 0 | Yes | 1.042 | 1.042 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 797 | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | US Citizen | US Citizen | N/A | Other | USA PATRIOT ACT | xxx | xxx | xxx | N/A | Fee Simple | No | No | N/A | .00 | .00 | xxx | 122 | No | 63.93 | N/A | xxx | xxx | xxx | xxx | 1 |