GCAT DEPOSITOR V LLC ABS-15G

Exhibit 99.39

 

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 AUS Decision System 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 Questionnaire Flag 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 Co Borrower 2 FICO Most Recent Co Borrower 3 FICO Updated Credit Report Flag Updated Credit Report Date Updated FICO Method Primary Wage Earner Updated FICO Equifax Primary Wage Earner Updated FICO Experian Primary Wage Earner Updated FICO Transunion Secondary Wage Earner Updated FICO Equifax Secondary Wage Earner Updated FICO Experian Secondary Wage Earner Updated FICO Transunion Third Wage Earner Updated FICO Equifax Third Wage Earner Updated FICO Experian Third Wage Earner Updated FICO Transunion Fourth Wage Earner Updated FICO Equifax Fourth Wage Earner Updated FICO Experian Fourth Wage Earner Updated FICO Transunion Updated Primary Borrower FICO Updated Co Borrower FICO Updated Co Borrower 2 FICO Updated Co Borrower 3 FICO Updated Qualifying 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 Lates 30d in 0-12m Prior Mortgage/Rent Lates 60d in 0-12m Prior Mortgage/Rent Lates 90d in 0-12m Prior Mortgage/Rent Lates 120d+ in 0-12m Prior Mortgage/Rent Lates 30d in 13-24m Prior Mortgage/Rent Lates 60d in 13-24m Prior Mortgage/Rent Lates 90d in 13-24m Prior Mortgage/Rent Lates 120d+ in 13-24m 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 Subordinate Lien Max Draw Amount (HELOC) Subordinate Lien 2 Type Subordinate Lien 2 Max Draw Amount (HELOC) Subordinate Lien 3 Type Subordinate Lien 3 Max Draw Amount (HELOC) 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 Leasehold Lease Expiration Date Buydown Flag Assumable Mortgage Flag Foreign National Alternative Credit Documentation Liquid / Cash Reserves (ASF) Months Liquid Reserves Total Assets Available for Reserves Months Reserves Blanket Mortgage Flag Qualifying HCLTV Condo Warrantability Flag E-Note Flag O&E in lieu of Title Insurance Business Purpose Flag Borrower Note Executed As Co Borrower Note Executed As Co Borrower 2 Note Executed As Co Borrower 3 Note Executed As Borrower 1 Trust Name Borrower 2 Trust Name Borrower 3 Trust Name Borrower 4 Trust Name
GCAT2026NQM30544   XXXX XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A N/A 0 06/30/2025 6.770% Manual Underwriting Manual Underwriting No 8.318%   8.250% 8.250% $564.95 No   $546.00 $45.50 $927.00 $77.25 $0.00 $0.00 $0.00 $687.70 $4,275.85 N/A XXXX   $0.00 XXXX   14.71% 14.71% 14.71% 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 - Business Bank Statements Verified - 2024, 2025 Borrower - 2024, 2025 XXXX XXXX OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX 691                 No                                       NA XXXX XXXX 0 XXXX XXXX XXXX 0 XXXX XXXX 0 XXXX XXXX 0 XXXX 0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Other USA PATRIOT ACT INFORMATION FORM OK United States of America (USA) XXXX XXXX XXXX N/A XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX   XXXX   XXXX XXXX Fee Simple XXXX No No N/A 7109.64 10.3 7109.64 10.3 No 80.0 N/A No No No Borrower As Individual N/A N/A N/A        
GCAT2026NQM30545   XXXX XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX ATR/QM: Exempt No No No N/A N/A       Manual Underwriting Manual Underwriting No     6.875% 6.875% $597.81 No   $1,349.76 $112.48 $1,053.00 $87.75 $0.00 $0.00 $0.00 $798.04   N/A XXXX   $0.00 XXXX   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 1.002 1.363 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 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 XXXX XXXX IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX 721                 No                                       NA XXXX XXXX 0 XXXX XXXX XXXX 0 XXXX XXXX 0 XXXX XXXX 0 XXXX 0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Real ID Driver's License   IN United States of America (USA) XXXX XXXX XXXX N/A XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX   XXXX   XXXX XXXX Fee Simple XXXX No No N/A .00 0.0 65910.26 82.6 No 63.64 N/A No No Yes Borrower As Individual N/A N/A N/A        
GCAT2026NQM30546   XXXX XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A N/A 0 09/02/2025 6.570% Manual Underwriting Manual Underwriting No 7.708%   7.375% 7.375% $3,099.75 No   $3,693.12 $307.76 $1,038.72 $86.56 $0.00 $0.00 $0.00 $3,494.07 $38,899.12 N/A XXXX   $0.00 XXXX   20.35% 12.49% 12.49% No               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       NA 0 No   NA 0 0 N/A     0   No 0     Borrower - SESoleProprietor - Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 Borrower - Executed 4506T Verified - 2024, 2025 XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX 745                 No                                       NA XXXX XXXX 0 XXXX XXXX XXXX 0 XXXX XXXX 0 XXXX XXXX 0 XXXX 0 0 0 0 0 0 0 0 0 0 0 Unknown No             No Permanent Resident Alien Permanent Non-US Citizen N/A Real ID Driver's License   GA United States of America (USA) XXXX XXXX XXXX I-151 Permanent Resident Card XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX   XXXX   XXXX XXXX Fee Simple XXXX No No N/A 27562.36 7.9 27562.36 7.9 No 85.0 N/A No No No Borrower As Individual N/A N/A N/A        
GCAT2026NQM30547   XXXX XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX ATR/QM: Exempt Yes No No N/A N/A       Manual Underwriting Manual Underwriting No     6.625% 6.625% $1,752.85 Yes 6.625% $5,169.60 $430.80 $459.00 $38.25 $4,344.00 $362.00 $0.00 $2,583.90 $9,822.77 Yes XXXX FL $362.00 XXXX Monthly 49.68% 47.23% 47.23% 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       NA 0 No   NA 0 0 N/A     0   No 0     Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 Borrower - Executed 4506T Verified - 2024, 2025 XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX 749                 No                                       NA XXXX XXXX 0 XXXX XXXX XXXX 0 XXXX XXXX 0 XXXX XXXX 0 XXXX 0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Real ID Driver's License   FL United States of America (USA) XXXX XXXX XXXX N/A XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX   XXXX   XXXX XXXX Fee Simple XXXX No No N/A .00 0.0 106083.11 41.1 No 75.0 Yes No No Yes Borrower As Individual N/A N/A N/A        
GCAT2026NQM30548   XXXX XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A N/A 0 09/03/2025 6.570% Manual Underwriting Manual Underwriting No 7.663%   7.625% 7.625% $2,010.08 No   $7,800.00 $650.00 $1,706.04 $142.17 $800.04 $66.67 $0.00 $2,868.92 $6,838.59 N/A XXXX TX $66.67 XXXX Annually 44.08% 44.08% 44.08% No               Self-Employed           12 Month Bank Statement 0   NA   N/A 0     0 0     3 0 NA   No No 0 No Yes Yes 12 0 No       100.00% 100.00%     N/A 0 N/A       NA 0 No   NA 0 0 N/A     0   No 0   N/A Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Personal Bank Statements Verified - 2024, 2025 Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 718                 No                                       NA XXXX XXXX 0 XXXX XXXX XXXX 0 XXXX XXXX 0 XXXX XXXX 0 XXXX 0 0 0 0 0 0 0 0 0 0 0 Unknown No             No Permanent Resident Alien Permanent Non-US Citizen N/A Real ID Driver's License   TX United States of America (USA) XXXX XXXX XXXX I-551 Permanent Resident Card  XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX   XXXX   XXXX XXXX Fee Simple XXXX No No N/A 189193.65 66.0 189193.65 66.0 No 80.0 N/A No No No Borrower As Individual N/A N/A N/A        
GCAT2026NQM30549   XXXX XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A N/A 0 09/04/2025 6.570% Manual Underwriting Manual Underwriting No 7.753%   7.375% 7.375% $1,320.92 No   $3,505.08 $292.09 $777.96 $64.83 $2,808.00 $234.00 $0.00 $1,911.84 $2,519.83 Yes XXXX FL $234.00 XXXX Monthly 47.14% 47.14% 47.14% No               Employed           1YR Full Doc 1 YR W2   1 Month   N/A 0     0 0     1 1 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 14 12 FNMA 1005     0   No 0     Borrower - Wage - 1 YR W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2024, 2025 Borrower - Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2024, 2025 XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX 723                 No                                       NA XXXX XXXX 0 XXXX XXXX XXXX 0 XXXX XXXX 0 XXXX XXXX 0 XXXX 0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Real ID Driver's License   FL United States of America (USA) XXXX XXXX XXXX N/A XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX   XXXX   XXXX XXXX Fee Simple XXXX No No N/A 52396.41 27.4 52396.41 27.4 No 75.0 Yes No No No Borrower As Individual N/A N/A N/A        
GCAT2026NQM30550   XXXX XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX ATR/QM: Exempt No No No N/A N/A       Manual Underwriting Manual Underwriting No     6.750% 6.750% $826.96 Yes 18.000% $2,686.56 $223.88 $1,545.48 $128.79 $0.00 $0.00 $0.00 $1,179.63   N/A XXXX   $0.00 XXXX   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 1.352 1.352 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 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 XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX 729                 No                                       NA XXXX XXXX 0 XXXX XXXX XXXX 0 XXXX XXXX 0 XXXX XXXX 0 XXXX 0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Passport   N/A United States of America (USA) XXXX XXXX XXXX N/A XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX   XXXX   XXXX XXXX Fee Simple XXXX No No N/A 273770.00 232.1 392438.49 332.7 No 75.0 N/A No Yes Yes Member on Behalf of Entity N/A N/A N/A        
GCAT2026NQM30551   XXXX XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A N/A 0 09/03/2025 6.570% Manual Underwriting Manual Underwriting No 6.802%   6.375% 6.375% $1,506.65 No   $5,175.00 $431.25 $2,289.72 $190.81 $900.00 $75.00 $0.00 $2,203.71 $5,659.79 N/A XXXX TX $75.00 XXXX Annually 45.58% 48.55% 48.55% 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       NA 0 No   NA 0 0 N/A     0   No 0     Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 798                 No                                       NA XXXX XXXX 0 XXXX XXXX XXXX 0 XXXX XXXX 0 XXXX XXXX 0 XXXX 0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Real ID Driver's License   GA United States of America (USA) XXXX XXXX XXXX N/A XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX   XXXX   XXXX XXXX Fee Simple XXXX No No N/A 64305.73 29.2 64305.73 29.2 No 70.0 N/A No No No Borrower As Individual N/A N/A N/A        
GCAT2026NQM30553   XXXX XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX ATR/QM: Exempt Yes No No N/A N/A       Manual Underwriting Manual Underwriting No     6.500% 6.500% $1,213.57 No   $2,429.52 $202.46 $657.00 $54.75 $0.00 $0.00 $0.00 $1,470.78   N/A XXXX   $0.00 XXXX   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 1.224 1.224   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 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 XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX 777                 No                                       NA XXXX XXXX 0 XXXX XXXX XXXX 0 XXXX XXXX 0 XXXX XXXX 0 XXXX 0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Standard Driver's License - Not for federal use   VA United States of America (USA) XXXX XXXX XXXX N/A XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX   XXXX   XXXX XXXX Fee Simple XXXX No No N/A 275230.23 187.1 275230.23 187.1 No 80.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A        
GCAT2026NQM30554   XXXX XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX ATR/QM: Exempt Yes No No N/A N/A       Manual Underwriting Manual Underwriting No     6.500% 6.500% $1,115.68 No   $7,303.80 $608.65 $1,424.04 $118.67 $594.00 $49.50 $0.00 $1,892.50   N/A XXXX TX $49.50 XXXX 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%     Stocks/Bonds   0       0   0 No 0   0 0     0 0   Yes 1.189 1.189 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 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 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 XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 801                 No                                       NA XXXX XXXX 0 XXXX XXXX XXXX 0 XXXX XXXX 0 XXXX XXXX 0 XXXX 0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Real ID Driver's License   TX United States of America (USA) XXXX XXXX XXXX N/A XXXX XXXX US Citizen US Citizen N/A Real ID Driver's License   TX XXXX XXXX XXXX XXXX N/A XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX   XXXX   XXXX XXXX Fee Simple XXXX No No N/A 115684.58 61.1 115684.58 61.1 No 80.0 N/A No No Yes Borrower As Individual Borrower As Individual N/A N/A        
GCAT2026NQM30555   XXXX XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX ATR/QM: Exempt Yes No No N/A N/A       Manual Underwriting Manual Underwriting No     6.500% 6.500% $721.59 No   $517.32 $43.11 $1,215.00 $101.25 $1,200.00 $100.00 $0.00 $965.95   N/A XXXX TX $100.00 XXXX 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%     Stocks/Bonds   0       0   0 No 0   0 0     0 0   Yes 1.708 1.055   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 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 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 XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 763                 No                                       NA XXXX XXXX 0 XXXX XXXX XXXX 0 XXXX XXXX 0 XXXX XXXX 0 XXXX 0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Real ID Driver's License   CA United States of America (USA) XXXX XXXX XXXX N/A XXXX XXXX US Citizen US Citizen N/A Real ID Driver's License   CA XXXX XXXX XXXX XXXX N/A XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX   XXXX   XXXX XXXX Fee Simple XXXX No No N/A 32774.13 33.9 32774.13 33.9 No 70.0 N/A No No Yes Borrower As Individual Borrower As Individual N/A N/A        
GCAT2026NQM30556   XXXX XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX ATR/QM: Exempt Yes No No N/A N/A       Manual Underwriting Manual Underwriting No     6.990% 6.990% $1,276.09 No   $6,989.40 $582.45 $1,440.96 $120.08 $1,200.00 $100.00 $0.00 $2,078.62   N/A XXXX TX $100.00 XXXX 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 1.099 1.099 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 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 XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 760                 No                                       NA XXXX XXXX 0 XXXX XXXX XXXX 0 XXXX XXXX 0 XXXX XXXX 0 XXXX 0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Real ID Driver's License   TX United States of America (USA) XXXX XXXX XXXX N/A XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX   XXXX   XXXX XXXX Fee Simple XXXX No No N/A 33563.59 16.2 33563.59 16.2 No 80.0 N/A No No Yes Borrower As Individual N/A N/A N/A        
GCAT2026NQM30557   XXXX XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX ATR/QM: Exempt Yes No No N/A N/A       Manual Underwriting Manual Underwriting No     6.875% 6.875% $1,077.36 No   $6,941.88 $578.49 $2,166.96 $180.58 $2,000.04 $166.67 $0.00 $2,003.10   N/A XXXX TX $166.67 XXXX 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 1.073 1.073   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 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 XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 793                 No                                       NA XXXX XXXX 0 XXXX XXXX XXXX 0 XXXX XXXX 0 XXXX XXXX 0 XXXX 0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Real ID Driver's License   TX United States of America (USA) XXXX XXXX XXXX N/A XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX   XXXX   XXXX XXXX Fee Simple XXXX No No N/A 31877.20 15.9 31877.20 15.9 No 80.0 N/A No No Yes Borrower As Individual N/A N/A N/A        
GCAT2026NQM30558   XXXX XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX ATR/QM: Exempt Yes No No N/A N/A       Manual Underwriting Manual Underwriting No     6.625% 6.625% $1,039.87 No   $2,643.00 $220.25 $2,122.68 $176.89 $0.00 $0.00 $0.00 $1,437.01   N/A XXXX   $0.00 XXXX   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 1.273 1.273 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 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 XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 716                 No                                       NA XXXX XXXX 0 XXXX XXXX XXXX 0 XXXX XXXX 0 XXXX XXXX 0 XXXX 0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Other MILITARY ID TX United States of America (USA) XXXX XXXX XXXX N/A XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX   XXXX   XXXX XXXX Fee Simple XXXX No No N/A 34970.06 24.3 34970.06 24.3 No 80.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A        
GCAT2026NQM30559   XXXX XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A Client Affirms Non-QM Status 0 09/04/2025 6.570% Manual Underwriting Manual Underwriting No 7.907%   7.875% 7.875% $8,012.02 No   $20,014.68 $1,667.89 $3,127.32 $260.61 $8,088.00 $674.00 $0.00 $10,614.52 $89,920.51 N/A XXXX FL $674.00 XXXX Monthly 18.25% 18.36% 18.36% 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       NA 0 No   NA 0 0 N/A     0   No 0   N/A Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX 806                 No                                       NA XXXX XXXX 0 XXXX XXXX XXXX 0 XXXX XXXX 0 XXXX XXXX 0 XXXX 0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Real ID Driver's License   FL United States of America (USA) XXXX XXXX XXXX N/A XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX   XXXX   XXXX XXXX Fee Simple XXXX No No N/A 220144.59 20.7 220144.59 20.7 No 85.0 N/A No No No Borrower As Individual N/A N/A N/A        
GCAT2026NQM30560   XXXX XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX ATR/QM: Exempt Yes No No N/A N/A       Manual Underwriting Manual Underwriting No     6.990% 6.990% $1,864.00 Yes 6.990% $2,891.76 $240.98 $1,647.96 $137.33 $0.00 $0.00 $0.00 $2,242.31   N/A XXXX   $0.00 XXXX   0.00% 0.00% 0.00% Yes Unknown             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 1.304 1.304 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 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 XXXX XXXX WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX 737                 No                                       NA XXXX XXXX 0 XXXX XXXX XXXX 0 XXXX XXXX 0 XXXX XXXX 0 XXXX 0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Standard Driver's License - Not for federal use   WA United States of America (USA) XXXX XXXX XXXX N/A XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX   XXXX   XXXX XXXX Fee Simple XXXX No No N/A .00 0.0 75056.36 33.5 No 80.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A        
GCAT2026NQM30562   XXXX XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A Client Affirms Non-QM Status 3710.75 01/27/2026 6.140% Manual Underwriting Manual Underwriting No 7.400%   7.125% 7.125% $1,249.96 No   $3,226.92 $268.91 $1,038.96 $86.58 $0.00 $0.00 $0.00 $1,605.45 $3,911.55 N/A XXXX   $0.00 XXXX   30.08% 29.55% 29.55% 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 - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 Borrower - ["2024","2025"] - 2024, 2025 XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX 785                 No                                       NA XXXX XXXX 0 XXXX XXXX XXXX 0 XXXX XXXX 0 XXXX XXXX 0 XXXX 0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Standard Driver's License - Not for federal use   PA United States of America (USA) XXXX XXXX XXXX N/A XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX   XXXX   XXXX XXXX Fee Simple XXXX No No N/A 45437.46 28.3 45437.46 28.3 No 80.0 N/A No No No Borrower As Individual N/A N/A N/A        
GCAT2026NQM30563   XXXX XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX ATR/QM: Exempt Yes No No N/A N/A       Manual Underwriting Manual Underwriting No     6.375% 6.375% $1,791.75 Yes 6.375% $2,045.64 $170.47 $2,505.00 $208.75 $0.00 $0.00 $0.00 $2,170.97   N/A XXXX   $0.00 XXXX   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 1.382 1.382   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 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 XXXX XXXX WI XXXX XXXX XXXX XXXX XXXX XXXX XXXX 761                 No                                       NA XXXX XXXX 0 XXXX XXXX XXXX 0 XXXX XXXX 0 XXXX XXXX 0 XXXX 0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Standard Driver's License - Not for federal use   LA United States of America (USA) XXXX XXXX XXXX N/A XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX   XXXX   XXXX XXXX Fee Simple XXXX No No N/A .00 0.0 77565.31 35.7 No 80.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A        
GCAT2026NQM30564   XXXX XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX ATR/QM: Exempt Yes No No N/A N/A       Manual Underwriting Manual Underwriting No     6.500% 6.500% $2,667.96 No   $3,033.84 $252.82 $1,295.04 $107.92 $0.00 $0.00 $0.00 $3,028.70   N/A XXXX   $0.00 XXXX   0.00% 0.00% 0.00% Yes   1 - Not Stated Not Verified 1 - Not Stated Not Verified         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 1.255 1.255 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 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 XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX 802                 No                                       NA XXXX XXXX 0 XXXX XXXX XXXX 0 XXXX XXXX 0 XXXX XXXX 0 XXXX 0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Other USA PATRIOT ACT INFORMATION FORM AZ United States of America (USA) XXXX XXXX XXXX N/A XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX   XXXX   XXXX XXXX Fee Simple XXXX No No N/A 15129.92 5.0 15129.92 5.0 No 70.0 N/A No No Yes Borrower As Individual N/A N/A N/A        
GCAT2026NQM30809   XXXX XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX ATR/QM: Exempt No No No N/A N/A       Manual Underwriting Manual Underwriting No     6.500% 6.500% $1,067.18 No   $3,498.24 $291.52 $1,310.16 $109.18 $2,040.00 $170.00 $0.00 $1,637.88   N/A XXXX SC $170.00 XXXX Monthly 892.42% 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 1.13 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 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 XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX 700                 No                                       NA XXXX XXXX 0 XXXX XXXX XXXX 0 XXXX XXXX 0 XXXX XXXX 0 XXXX 0 0 0 0 0 0 0 0 0 0 0 Unknown No             No Non Permanent Resident Alien Non-Permanent Non-US Citizen No Real ID Driver's License   SC United States of America (USA) XXXX XXXX XXXX Employment Authorization Card or Document XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX   XXXX   XXXX XXXX Fee Simple XXXX No No N/A 3241.62 2.0 3241.62 2.0 No 75.0 N/A No No Yes Borrower As Individual N/A N/A N/A        
GCAT2026NQM30565   XXXX XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A Client Affirms Non-QM Status 1648.0 02/06/2026 6.100% Manual Underwriting Manual Underwriting No 6.194%   6.125% 6.125% $2,305.72 No   $4,910.88 $409.24 $735.00 $61.25 $1,632.00 $136.00 $0.00 $2,912.21 $9,120.47 N/A XXXX AZ $136.00 XXXX Monthly 37.79% 38.42% 38.42% No               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       NA 0 No   NA 0 0 N/A     0   No 0   N/A Borrower - SESoleProprietor, SESoleProprietor, Other REO Net Rental Income(Loss) - Executed 4506T Verified, Business Bank Statements Verified - ["2025"] - 2025 Borrower - Executed 4506T Verified - ["2025"] - 2025 XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX 776                 No                                       NA XXXX XXXX 0 XXXX XXXX XXXX 0 XXXX XXXX 0 XXXX XXXX 0 XXXX 0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Standard Driver's License - Not for federal use   AZ United States of America (USA) XXXX XXXX XXXX N/A XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX   XXXX   XXXX XXXX Fee Simple XXXX No No N/A 76803.34 26.4 76803.34 26.4 No 85.0 N/A No No No Borrower As Individual N/A N/A N/A        
GCAT2026NQM30566   XXXX XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX ATR/QM: Exempt Yes No No N/A N/A       Manual Underwriting Manual Underwriting No     6.875% 6.875% $1,872.25 No   $2,966.16 $247.18 $3,071.40 $255.95 $0.00 $0.00 $0.00 $2,375.38   N/A XXXX   $0.00 XXXX   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 2.694 2.694 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 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 XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX 747                 No                                       NA XXXX XXXX 0 XXXX XXXX XXXX 0 XXXX XXXX 0 XXXX XXXX 0 XXXX 0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Real ID Driver's License   CA United States of America (USA) XXXX XXXX XXXX N/A XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX   XXXX   XXXX XXXX Fee Simple XXXX No No N/A 159245.36 67.0 159245.36 67.0 No 37.01 N/A No No Yes Borrower As Individual N/A N/A N/A        
GCAT2026NQM30567   XXXX XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX ATR/QM: Exempt Yes No No N/A N/A       Manual Underwriting Manual Underwriting No     6.250% 6.250% $1,150.78 No   $2,647.56 $220.63 $1,116.96 $93.08 $0.00 $0.00 $0.00 $1,464.49   N/A XXXX   $0.00 XXXX   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 1.468 1.468 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 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 XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX 710                 No                                       NA XXXX XXXX 0 XXXX XXXX XXXX 0 XXXX XXXX 0 XXXX XXXX 0 XXXX 0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Real ID Driver's License   CA United States of America (USA) XXXX XXXX XXXX N/A XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX   XXXX   XXXX XXXX Fee Simple XXXX No No N/A .00 0.0 164104.01 112.1 No 70.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A        
GCAT2026NQM30568   XXXX XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX ATR/QM: Exempt Yes No No N/A N/A       Manual Underwriting Manual Underwriting No     7.500% 7.500% $1,230.62 No   $2,014.32 $167.86 $1,010.04 $84.17 $0.00 $0.00 $0.00 $1,482.65   N/A XXXX   $0.00 XXXX   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 1.349 1.349   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 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 XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX 776                 No                                       NA XXXX XXXX 0 XXXX XXXX XXXX 0 XXXX XXXX 0 XXXX XXXX 0 XXXX 0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Standard Driver's License - Not for federal use   NJ United States of America (USA) XXXX XXXX XXXX N/A XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX   XXXX   XXXX XXXX Fee Simple XXXX No No N/A .00 0.0 109804.93 74.1 No 80.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A        
GCAT2026NQM30569   XXXX XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX ATR/QM: Exempt Yes No No N/A N/A       Manual Underwriting Manual Underwriting No     6.990% 6.990% $1,944.98 No   $4,555.32 $379.61 $1,260.00 $105.00 $0.00 $0.00 $0.00 $2,429.59 $43,834.12 N/A XXXX   $0.00 XXXX   20.63% 20.63% 20.63% 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       NA 0 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 - Executed 4506T Verified, Business Bank Statements Verified - ["2025","2026"] - 2025, 2026 Borrower - Executed 4506T Verified - ["2025","2026"] - 2025, 2026 XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX 755                 No                                       NA XXXX XXXX 0 XXXX XXXX XXXX 0 XXXX XXXX 0 XXXX XXXX 0 XXXX 0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Real ID Driver's License   CA United States of America (USA) XXXX XXXX XXXX N/A XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX   XXXX   XXXX XXXX Fee Simple XXXX No No N/A 30063.10 12.4 30063.10 12.4 No 80.0 N/A No No Yes Borrower As Individual N/A N/A N/A        
GCAT2026NQM30810   XXXX XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX ATR/QM: Exempt Yes No No N/A N/A       Manual Underwriting Manual Underwriting No     6.990% 6.990% $1,096.64 Yes 6.990% $2,570.28 $214.19 $1,191.00 $99.25 $0.00 $0.00 $0.00 $1,410.08   N/A XXXX   $0.00 XXXX   0.00% 0.00% 0.00% Yes Unknown             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 1.418 1.418 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 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 XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX 702                 No                                       NA XXXX XXXX 0 XXXX XXXX XXXX 0 XXXX XXXX 0 XXXX XXXX 0 XXXX 0 0 0 0 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)   NY United States of America (USA) XXXX XXXX XXXX N/A XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX   XXXX   XXXX XXXX Fee Simple XXXX No No N/A .00 0.0 153583.81 108.9 No 75.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A        
GCAT2026NQM30570   XXXX XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX ATR/QM: Exempt Yes No No N/A N/A       Manual Underwriting Manual Underwriting No     7.875% 7.875% $1,218.12 Yes 7.875% $1,363.80 $113.65 $1,405.80 $117.15 $0.00 $0.00 $0.00 $1,448.92   N/A XXXX   $0.00 XXXX   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 1.173 1.173 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 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 XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX 752                 No                                       NA XXXX XXXX 0 XXXX XXXX XXXX 0 XXXX XXXX 0 XXXX XXXX 0 XXXX 0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Real ID Driver's License   NC United States of America (USA) XXXX XXXX XXXX N/A XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX   XXXX   XXXX XXXX Fee Simple XXXX No No N/A 111433.78 76.9 267771.51 184.8 No 80.0 N/A No No Yes Borrower As Individual N/A N/A N/A        
GCAT2026NQM30571   XXXX XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A Client Affirms Non-QM Status 10259.72 02/25/2026 5.990% Manual Underwriting Manual Underwriting No 6.566%   5.990% 5.990% $1,652.94 No   $9,088.20 $757.35 $1,887.96 $157.33 $420.00 $35.00 $0.00 $2,602.62 $13,543.54 N/A XXXX TX $35.00 XXXX Annually 16.45% 16.45% 16.45% 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       NA 0 No   NA 0 0 N/A     0   No 0   N/A Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2026"] - 2025, 2026 Borrower - 3 YRS Executed 4506T Verified - ["2025","2026"] - 2025, 2026 XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 746                 No                                       NA XXXX XXXX 0 XXXX XXXX XXXX 0 XXXX XXXX 0 XXXX XXXX 0 XXXX 0 0 0 0 0 0 0 0 0 0 0 Unknown No             No Permanent Resident Alien Permanent Non-US Citizen N/A Real ID Driver's License   TX United States of America (USA) XXXX XXXX XXXX I-551 Permanent Resident Card  XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX   XXXX   XXXX XXXX Fee Simple XXXX No No N/A 32906.57 12.6 32906.57 12.6 No 80.0 N/A No No No Borrower As Individual N/A N/A N/A