Exhibit 99.01 Schedule 4
| SitusAMC Loan ID | Customer Loan ID | Seller Loan ID | Investor Loan Number | TILA Status Loan Designation | Exempt QM/ATR Equivalency | CDFI Bank Originated Loan | Application Date | TRID Tested | GSE | HOEPA Fees | TILA Fees | Rate Lock Date | Calculated APR | Original P&I | Qualifying P&I | Qualifying Rate | Is Borrower Non Occupant | Is Co Borrower Non Occupant | Borrower Employment Indicator | Co Borrower Employment Indicator | Co Borrower 2 Employment Indicator | Co Borrower 3 Employment Indicator | Co Borrower2 Length of Employment | Co Borrower3 Length of Employment | Borrower Foreign National Indicator | Co Borrower Foreign National Indicator | Co Borrower 2 Foreign National Indicator | Co Borrower 3 Foreign National Indicator | Borrower Country Name | Co Borrower Country Name | Co Borrower2 Country Name | Co Borrower3 Country Name | Residual Income | Num Units | Annual Property Tax | Annual Insurance Costs | Monthly Property Tax | Monthly Insurance Costs | HOA Name | HOA Address State | Fee Amount | Next Due Date | HOA Payment Frequency | Investor DTI | QM DTI | Non QM DTI | Original Credit Report Date | Qualifying Credit Score | Third Wage Earner Original FICO Equifax | Third Wage Earner Original FICO Experian | Third Wage Earner Original FICO Transunion | Fourth Wage Earner Original FICO Equifax | Fourth Wage Earner Original FICO Experian | Fourth Wage Earner Original FICO Transunion | Most Recent Updated Credit Report Date | Primary Wage Earner Updated FICO Equifax | Primary Wage Earner Updated FICO Experian | Primary Wage Earner Updated FICO Transunion | Secondary Wage Earner Updated FICO Equifax | Secondary Wage Earner Updated FICO Experian | Secondary Wage Earner Updated FICO Transunion | Third Wage Earner Updated FICO Equifax | Third Wage Earner Updated FICO Experian | Third Wage Earner Updated FICO Transunion | Fourth Wage Earner Updated FICO Equifax | Fourth Wage Earner Updated FICO Experian | Fourth Wage Earner Updated FICO Transunion | Most Recent Updated Co Borrower 2 FICO | Most Recent Updated Co Borrower 3 FICO | Co Borrower 2 Asset Verification Level | Co Borrower 3 Asset Verification Level | Co Borrower 2 Income Verification Level | Co Borrower 3 Income Verification Level | Co Borrower 2 Employment Verification Level | Co Borrower 3 Employment Verification Level | Asset Depletion Flag | Bank Statements Flag | Number of Statements | Type of Statements | Percent of Income From Statements | Borrower Business Ownership % | CoBorrower Business Ownership % | P&L Type | Income Doc Detail | Tax Return Doc Details | Document Level | Document Type | Most Recent Bankruptcy Type | Most Recent Bankruptcy Filing Date | Most Recent Bankruptcy Discharge Date | Number of Bankruptcy Events | Months Bankruptcy (7, 11) | Months Bankruptcy (13) | Most Recent Deed-in -Lieu Date | Number of Deed-in-Lieu Events | Months Deed-in-Lieu | Most Recent Short Sale Date | Number of Short Sale Events | Months Short Sale (or Pre FC) | Most Recent Foreclosure Date | Number of Foreclosure Events | Months Foreclosure | Prior Mortgage/Rent Late 30d in 24m | Prior Mortgage/Rent Late 60d in 24m | Prior Mortgage/Rent Late 90d in 24m | Has ACH | Guideline Name | UW Guideline Author | ATR QM Total Points and Fees Audit | Loan Regulation Benchmark Date | Benchmark Rate | HUD 1 Page 1 Credits Total | Collateral Underwriter Risk Score | AUS Decision System | Property Inspection Waiver (PIW) | Rating Result | Eligible For Rep and Warrant Relief Per Collateral Advisor | Is Equity Shared Loan | Investor Qualifying Rate | Borrower Years of W2s | CoBorrower Years of W2s | Years of Personal Tax Returns | Years of Business Tax Returns | Years of 4506T | Years of Tax Transcripts | Months of Personal Bank Statements | Months of Business Bank Statements | Months of Profit and Loss Statements | Expense Letter | Total DSCR | Total Inverse DSCR | Subordinate Lien Type | Is Shared Appreciation Mortgage | Duration of Payout Months | Seller VSH Indicator | Seller Indicated VSH Guideline | Validated VSH | IO Remaining Amortization Term at Recast | Maturity Date | Borrower Own Funds Cash Amount | Borrower Own Funds Percent | Is the Note an eNote | Borrower WVOE - # of Months of Income provided | Co Borrower WVOE - # of Months of Income provided | Co Borrower2 WVOE - # of Months of Income provided | Co Borrower3 WVOE - # of Months of Income provided | Were the origination guidelines utilized for this diligence review? | Title Evidence | Ownership Type | Borrower Type | Borrower Designation | Co Borrower Type | Co Borrower Designation | Co Borrower2 Type | Co Borrower2 Designation | Co Borrower3 Type | Co Borrower3 Designation | Senior Lien Position | Senior Lien Original Loan Amount | Senior Lien Original Interest Rate | Senior Lien Note Projected Closing Date | Senior Lien Current Balance | Senior Lien Current P&I | Loan Closed in the Name of an Entity | Note Executed by | Assumable Mortgage Flag | Leasehold Flag | Buydown Flag | Borrower Experian FICO Model Used | Borrower Equifax FICO Model Used | Borrower TransUnion FICO Model Used | Co Borrower Experian FICO Model Used | Co Borrower Equifax FICO Model Used | Co Borrower TransUnion FICO Model Used | Co Borrower2 Experian FICO Model Used | Co Borrower2 Equifax FICO Model Used | Co Borrower2 TransUnion FICO Model Used | Co Borrower3 Experian FICO Model Used | Co Borrower3 Equifax FICO Model Used | Co Borrower3 TransUnion FICO Model Used | Borrower Documentation Used to Determine Legal Residency | Co Borrower Documentation Used to Determine Legal Residency | Co Borrower2 Documentation Used to Determine Legal Residency | Co Borrower3 Documentation Used to Determine Legal Residency | Delayed Financing? | Months Reserves | Correspondent Type | Departure Residence | Rate Increase on Default | Default Interest Rate | Default Interest Accrual Start Days | MERS Min Number | Co Borrower Other Income | Co Borrower Wage Income | Primary Housing Lates 0 6 Months 30 | Primary Housing Lates 0 6 Months 60 | Primary Housing Lates 0 6 Months 90 | Primary Housing Lates 7 12 Months 30 | Primary Housing Lates 7 12 Months 60 | Primary Housing Lates 7 12 Months 90 | Primary Housing Lates 13 24 Months 30 | Primary Housing Lates 13 24 Months 60 | Primary Housing Lates 13 24 Months 90 | Primary Housing Lates 25 36 Months 30 | Primary Housing Lates 25 36 Months 60 | Primary Housing Lates 25 36 Months 90 | Borrower 1 ITIN Flag | Borrower 2 ITIN Flag | Borrower 3 ITIN Flag | Borrower 4 ITIN Flag | Total Number of Mortgaged Properties | Amortization Term Less IO |
| XXXXX | 4000005497 | XXXXX | Non QM | Yes | No | $11,943.00 | $14,420.32 | 7.452% | $4,524.19 | $4,524.19 | 7.250% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $33,550.68 | 1 | $10,362.48 | $1,632.36 | $863.54 | $136.03 | 15.185% | 15.185% | 15.185% | 06/22/2022 | 683 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2021 [Coborrower]; 4506-C - 2020 [Coborrower]; 4506-C - 2019 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXXX | $11,943.00 | 5.370% | $0.00 | None | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 3.470% | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 13.92 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000097486 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $5,319.97 | $9,191.47 | 7.830% | $1,749.78 | $1,749.78 | 7.250% | No | No | Employed | US Citizen | $7,332.25 | 1 | $5,372.04 | $1,286.64 | $447.67 | $107.22 | 48.478% | 48.478% | 48.478% | 07/23/2025 | 795 | No | No | [Borrower - |
Primary Income - Wages]; Employer Letter - 2025 [Borrower - | Primary Income - Wages]; Other - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | $5,319.97 | 6.790% | $8,500.00 | DU | Yes | ApproveEligible | N/A | No | 7.250% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 21.930% | No | 7 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 9.69 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000097492 | XXXXX | Safe Harbor QM (APOR) | Yes | No | $2,185.00 | $3,505.73 | 7.939% | $1,783.64 | $1,783.64 | 7.625% | No | No | Employed | Employed | US Citizen | US Citizen | $6,537.62 | 1 | $4,547.64 | $2,048.64 | $378.97 | $170.72 | 32.692% | 32.692% | 32.692% | 08/25/2025 | 799 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | $2,185.00 | 6.570% | $0.00 | 2.3 | DU | ApproveEligible | Yes | No | 7.625% | 1 | 1 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 45.250% | No | 19 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 32.38 | No | No | $0.00 | $3,335.99 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000097465 | XXXXX | Higher Priced QM (APOR) | Yes | Yes | $1,695.00 | $2,030.89 | 8.138% | $3,752.23 | $3,752.23 | 7.875% | No | No | Employed | Employed | US Citizen | US Citizen | $13,108.01 | 1 | $2,355.00 | $2,771.64 | $196.25 | $230.97 | 47.907% | 47.907% | 47.907% | 07/23/2025 | 778 | No | No | [Borrower - |
Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; Tax Return Extension - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; Tax Return Extension - 2024 [Coborrower]; Transcripts (1040) - No Results Returned - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | $1,695.00 | 6.630% | $12,500.00 | 2.5 | DU | ApproveEligible | Yes | No | 7.875% | 0 | 0 | 1 | 0 | 2 | 2 | 0.00 | No | Not Stated | XXXXX | XXXXX | 39.600% | No | 31 | 31 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 40.61 | No | No | $0.00 | $3,867.31 | No | No | No | No | 4 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000097466 | XXXXX | Safe Harbor QM (APOR) | Yes | No | $6,534.00 | $2,624.61 | 7.283% | $1,579.16 | $1,579.16 | 6.990% | No | No | Employed | US Citizen | $6,314.18 | 1 | $3,960.00 | $1,744.32 | $330.00 | $145.36 | 43.419% | 43.419% | 43.419% | 08/07/2025 | 778 | No | No | [Borrower - |
Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | $6,534.00 | 6.630% | $15,840.00 | 1.0 | LP / LPA | Accept Plus | Yes | No | 6.990% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 11.920% | No | 28 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 8.21 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000097457 | XXXXX | Higher Priced QM (APOR) | Yes | Yes | $12,574.00 | $5,035.03 | 8.161% | $3,675.19 | $3,675.19 | 7.750% | No | No | Employed | US Citizen | $21,314.20 | 1 | $5,068.20 | $4,129.44 | $422.35 | $344.12 | 47.987% | 47.987% | 47.987% | 06/30/2025 | 766 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | $12,574.00 | 6.610% | $20,000.00 | 2.7 | DU | ApproveEligible | Yes | No | 7.750% | 0 | 1 | 0 | 3 | 1 | 0.00 | No | Not Stated | XXXXX | XXXXX | 15.870% | No | 30 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 6.76 | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000097443 | XXXXX | N/A | No | Yes | $0.00 | $0.00 | 7.510% | $2,061.58 | $2,061.58 | 7.125% | No | No | Employed | Employed | US Citizen | US Citizen | $6,463.76 | 1 | $2,166.72 | $5,332.68 | $180.56 | $444.39 | 42.586% | 42.586% | 42.586% | 08/15/2025 | 739 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | 6.630% | $1,000.00 | 1.0 | DU | ApproveEligible | No | No | 7.125% | 0 | 1 | 2 | 0 | 1 | 0 | 0.00 | No | XXXXX | XXXXX | 3.220% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 6.63 | No | $0.00 | $6,826.73 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000097476 | XXXXX | N/A | No | Yes | $0.00 | $0.00 | 7.055% | $1,469.24 | $1,469.24 | 6.750% | No | No | Employed | Employed | US Citizen | US Citizen | $15,491.49 | 1 | $5,967.36 | $2,877.48 | $497.28 | $239.79 | 32.211% | 32.211% | 32.211% | 08/13/2025 | 786 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | 6.610% | $5,000.00 | 1.1 | LP / LPA | Accept/Eligible | Yes | No | 6.750% | 2 | 2 | 1 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | 40.130% | No | 28 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 25.83 | No | No | $0.00 | $11,145.03 | No | No | No | No | 4 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000097471 | XXXXX | N/A | No | Yes | $0.00 | $0.00 | 7.569% | $2,487.56 | $2,487.56 | 7.250% | No | No | Employed | US Citizen | $10,106.74 | 1 | $1,886.88 | $3,375.84 | $157.24 | $281.32 | 41.866% | 41.866% | 41.866% | 08/18/2025 | 782 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 [Borrower - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | Yes | 6.610% | $8,580.00 | 4.2 | DU | ApproveEligible | No | No | 7.250% | 2 | 1 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | 55.320% | No | 31 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 57.9 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000097496 | XXXXX | N/A | No | No | $0.00 | $0.00 | 7.807% | $1,624.39 | $1,624.39 | 7.625% | No | No | Employed | US Citizen | $6,578.50 | 1 | $718.20 | $2,867.64 | $59.85 | $238.97 | 39.702% | 39.702% | 39.702% | 05/10/2025 | 802 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Non-Primary Income - Housing Allowance]; Paystubs - 2025 [Borrower - | Non-Primary Income - Housing Allowance]; Paystubs - 2025 [Borrower - | Non-Primary Income - Housing Allowance]; W-2 - 2024 [Borrower - | Non-Primary Income - Housing Allowance]; W-2 - 2023 [Borrower - | Non-Primary Income - Rations]; Paystubs - 2025 [Borrower - | Non-Primary Income - Rations]; Paystubs - 2025 [Borrower - | Non-Primary Income - Rations]; W-2 - 2024 [Borrower - | Non-Primary Income - Rations]; W-2 - 2023 [Borrower - | Non-Primary Income - Flight / Hazard Pay]; Paystubs - 2025 [Borrower - | Non-Primary Income - Flight / Hazard Pay]; Paystubs - 2025 [Borrower - | Non-Primary Income - Flight / Hazard Pay]; W-2 - 2024 [Borrower - | Non-Primary Income - Flight / Hazard Pay]; W-2 - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | 6.920% | $5,400.00 | 3.2 | LP / LPA | Accept/Eligible | Yes | No | 7.625% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 53.910% | No | 40 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 50.83 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000091768 | XXXXX | N/A | No | No | $3,662.38 | $3,662.38 | 6.875% | No | No | US Citizen | US Citizen | 1 | $14,145.72 | $2,019.60 | $1,178.81 | $168.30 | 0.000% | 0.000% | 0.000% | 09/02/2025 | 735 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.5 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | XXXXX | XXXXX | 14.990% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 29.68 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000092689 | XXXXX | N/A | No | No | $1,921.52 | $1,921.52 | 6.875% | No | No | 0 | US Citizen | US Citizen | 1 | $4,875.00 | $1,771.08 | $406.25 | $147.59 | 0.000% | 0.000% | 0.000% | 09/03/2025 | 811 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 999.0 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.05 | 0.96 | XXXXX | XXXXX | 69.810% | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 53.43 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000094256 | XXXXX | N/A | No | No | $6,136.74 | $6,136.74 | 8.125% | No | No | US Citizen | 3 | $11,375.64 | $4,029.96 | $947.97 | $335.83 | 0.000% | 0.000% | 0.000% | 09/25/2025 | 747 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.11 | 0.9 | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 15.06 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000169 | XXXXX | Non QM | Yes | No | $6,116.00 | $1,220.97 | 6.734% | $5,339.26 | $5,339.26 | 6.750% | No | No | Self-Employed | US Citizen | $8,949.35 | 1 | $12,862.56 | $726.12 | $1,071.88 | $60.51 | 44.067% | 44.067% | 44.067% | 09/17/2025 | 811 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 |
Alternative Documentation (A) | 1yr P&L w/o Bank Statements | 0 | 0 | 0 | No | XXXXX | $6,116.00 | 6.220% | $16,035.00 | 1.0 | None | N/A | No | 6.750% | 0 | 0 | 0 | 3 | 0 | 12.00 | No | XXXXX | XXXXX | 33.080% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | Yes | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 18.87 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000095079 | XXXXX | N/A | No | No | $3,723.96 | $3,723.96 | 6.875% | No | No | US Citizen | 1 | $12,500.04 | $2,078.04 | $1,041.67 | $173.17 | 0.000% | 0.000% | 0.000% | 09/17/2025 | 805 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.04 | 0.96 | 240 | XXXXX | XXXXX | 27.360% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 13.5 | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000173 | XXXXX | Non QM | Yes | No | $6,066.90 | $4,079.93 | 6.683% | $2,604.08 | $2,604.08 | 6.625% | No | Yes | Not Employed | Self-Employed | Self-Employed | 32.71 | US Citizen | US Citizen | US Citizen | $16,191.61 | 1 | $6,354.60 | $1,092.00 | $529.55 | $91.00 | 32.535% | 32.535% | 32.535% | 743 | 801 | 815 | 797 | Level 4-Stated/Verified as defined | Level 3-Stated/Partially Verified | Level 3-Stated/Verified as defined | No | Yes | 12 | Business | 100.000% | 50.000% | [Coborrower(s) - |
Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2025 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $6,066.90 | 6.220% | $11,687.16 | 1.8 | None | No | No | 6.625% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 64.630% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual | No | Individual | No | Yes | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 79.17 | No | No | $24,000.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000187 | XXXXX | Non QM | Yes | No | $7,592.00 | $10,382.76 | 6.667% | $3,534.52 | $3,534.52 | 6.500% | No | No | Employed | Non-Employment Income | US Citizen | US Citizen | $6,528.22 | 1 | $8,737.56 | $1,089.00 | $728.13 | $90.75 | 43.083% | 43.083% | 43.083% | 09/30/2025 | 812 | Yes | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | No | XXXXX | $7,592.00 | 6.310% | $5,000.00 | 1.0 | None | Yes | No | 6.500% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | XXXXX | XXXXX | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 215.21 | Yes | No | $11,469.64 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000197 | XXXXX | N/A | No | No | $2,236.01 | $2,236.01 | 6.125% | No | No | US Citizen | 1 | $6,550.92 | $813.00 | $545.91 | $67.75 | 0.000% | 0.000% | 0.000% | 10/09/2025 | 808 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | No | No | 6.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.98 | 1.02 | XXXXX | XXXXX | 66.370% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 32.94 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000212 | XXXXX | Non QM | Yes | No | $2,065.00 | $4,594.19 | 6.859% | $10,274.37 | $10,274.37 | 6.875% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $17,825.55 | 1 | $18,554.88 | $2,566.08 | $1,546.24 | $213.84 | 40.582% | 40.582% | 40.582% | 10/17/2025 | 780 | No | Yes | 24 | Business | 100.000% | 50.000% | 50.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense
Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $2,065.00 | 6.240% | $15,000.00 | 1.0 | None | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | XXXXX | XXXXX | 34.950% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 29.58 | No | $15,000.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000097289 | XXXXX | N/A | No | No | $4,076.31 | $4,076.31 | 8.125% | No | No | US Citizen | 1 | $5,667.00 | $1,294.44 | $472.25 | $107.87 | 0.000% | 0.000% | 0.000% | 09/29/2025 | 703 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.3 | N/A | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.47 | 2.12 | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 117.59 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000098856 | XXXXX | N/A | No | No | $1,656.25 | $1,656.25 | 6.625% | No | No | US Citizen | 1 | $4,119.72 | $0.00 | $343.31 | $0.00 | 0.000% | 0.000% | 0.000% | 09/26/2025 | 801 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.6 | No | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.96 | 1.04 | 240 | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 33.94 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000098170 | XXXXX | Non QM | Yes | No | $22,320.04 | $20,117.95 | 7.402% | $6,932.63 | $6,932.63 | 7.250% | No | No | Employed | US Citizen | $15,859.62 | 1 | $15,879.00 | $1,350.00 | $1,323.25 | $112.50 | 37.927% | 37.927% | 37.927% | 07/14/2025 | 740 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $22,320.04 | 6.170% | $0.00 | None | N/A | No | 7.250% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 10.490% | No | 33 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 9.48 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100060 | XXXXX | Non QM | Yes | No | $8,725.00 | $5,399.75 | 8.035% | $4,519.29 | $5,844.21 | 9.177% | No | No | Employed | US Citizen | $8,976.59 | 1 | $14,482.44 | $1,695.96 | $1,206.87 | $141.33 | 47.197% | 44.522% | 47.197% | 09/16/2025 | 779 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $8,725.00 | 6.620% | $0.00 | 1.0 | None | N/A | No | 9.177% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | No | 33 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 1.95 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000209 | XXXXX | Non QM | Yes | No | $1,430.00 | $1,502.46 | 7.264% | $10,587.38 | $10,587.38 | 7.250% | No | No | Self-Employed | US Citizen | $145,289.08 | 1 | $21,246.72 | $6,335.28 | $1,770.56 | $527.94 | 24.685% | 24.685% | 24.685% | 09/03/2025 | 807 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $1,430.00 | 6.240% | $0.00 | 1.0 | None | No | No | 7.250% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 24.18 | No | No | $0.00 | $0.00 | No | No | No | No | 10 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100745 | XXXXX | N/A | No | No | $4,137.28 | $4,137.28 | 7.750% | No | No | US Citizen | 3 | $10,613.40 | $2,787.96 | $884.45 | $232.33 | 0.000% | 0.000% | 0.000% | 08/01/2025 | 766 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.54 | 1.84 | XXXXX | XXXXX | 49.480% | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 25.13 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103584 | XXXXX | Non QM | Yes | No | $18,435.40 | $11,143.15 | 8.160% | $4,361.50 | $4,361.50 | 8.000% | No | No | Employed | Employed | US Citizen | US Citizen | $16,112.62 | 1 | $9,140.16 | $611.04 | $761.68 | $50.92 | 43.086% | 43.086% | 43.086% | 10/15/2025 | 712 | No | No | [Borrower - |
Primary Income - Wages]; Other - 2025 [Borrower - | Primary Income - Wages]; Other - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $18,435.40 | 6.170% | $1,500.00 | 1.0 | None | N/A | No | 8.000% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 11.680% | No | 33 | 0 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 10.8 | Yes | No | $0.00 | $18,979.33 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100142 | XXXXX | Non QM | Yes | No | $2,465.00 | $9,261.31 | 6.928% | $7,942.79 | $7,942.79 | 6.875% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $23,135.70 | 1 | $20,874.96 | $1,649.16 | $1,739.58 | $137.43 | 39.078% | 39.078% | 39.078% | 10/21/2025 | 789 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 |
Alternative Documentation (A) | 2yr P&L w/o Bank Statements | 0 | 0 | 0 | No | XXXXX | $2,465.00 | 6.160% | $4,000.00 | 1.0 | None | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 24.00 | No | XXXXX | XXXXX | 33.070% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 8.15 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100296 | XXXXX | Non QM | Yes | No | $2,375.00 | $4,553.26 | 6.834% | $2,821.40 | $2,821.40 | 6.750% | No | No | Employed | Permanent Resident Alien | $6,605.09 | 1 | $9,418.08 | $528.12 | $784.84 | $44.01 | 44.958% | 44.958% | 44.958% | 10/27/2025 | 777 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $2,375.00 | 6.160% | $0.00 | 1.0 | None | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | No | 28 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | No | 0.85 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100373 | XXXXX | Non QM | Yes | No | $1,575.00 | $3,978.50 | 6.061% | $2,697.98 | $2,697.98 | 6.000% | No | No | Employed | US Citizen | $8,459.92 | 1 | $11,250.00 | $1,833.96 | $937.50 | $152.83 | 47.939% | 47.939% | 47.939% | 10/31/2025 | 794 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $1,575.00 | 6.160% | $0.00 | None | N/A | No | 6.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 62.950% | No | 34 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 28.35 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100709 | XXXXX | Non QM | Yes | No | $10,581.76 | $1,619.27 | 6.520% | $3,070.60 | $3,070.60 | 6.500% | No | No | Employed | Non-Permanent Resident Alien | XXX | $6,997.49 | 1 | $7,590.72 | $1,180.20 | $632.56 | $98.35 | 41.688% | 41.688% | 41.688% | 10/27/2025 | 790 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $10,581.76 | 6.160% | $25,000.00 | 1.0 | None | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 22.300% | No | 25 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Employment Authorization | 2.9 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100310 | XXXXX | Non QM | Yes | No | $12,263.75 | $16,080.23 | 6.595% | $4,075.43 | $4,075.43 | 6.375% | No | No | Employed | Non-Permanent Resident Alien | XXX | $8,123.44 | 1 | $12,562.56 | $1,719.00 | $1,046.88 | $143.25 | 40.920% | 40.920% | 40.920% | 09/04/2025 | 784 | No | No | [Borrower - |
Primary Income - Wages]; Employer Letter - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $12,263.75 | 6.160% | $25,000.00 | None | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 17.980% | No | 34 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Employment Authorization | 0.06 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101456 | XXXXX | Non QM | Yes | No | $16,245.00 | $4,872.29 | 6.935% | $4,335.73 | $4,335.73 | 6.875% | No | No | Employed | US Citizen | $8,079.47 | 1 | $10,380.60 | $1,437.00 | $865.05 | $119.75 | 39.885% | 39.885% | 39.885% | 11/04/2025 | 813 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $16,245.00 | 6.170% | $0.00 | None | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | No | 34 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 2.78 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000098741 | XXXXX | N/A | No | No | $4,986.09 | $4,986.09 | 6.875% | No | No | US Citizen | 1 | $12,650.04 | $1,257.96 | $1,054.17 | $104.83 | 0.000% | 0.000% | 0.000% | 10/16/2025 | 787 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.86 | 1.16 | XXXXX | XXXXX | 30.790% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 9.18 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102246 | XXXXX | Non QM | Yes | No | $37,850.00 | $4,331.08 | 6.648% | $7,523.65 | $7,523.65 | 6.625% | No | No | Employed | Employed | US Citizen | US Citizen | $23,964.40 | 1 | $25,427.76 | $1,124.64 | $2,118.98 | $93.72 | 44.779% | 44.779% | 44.779% | 10/21/2025 | 806 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 |
[Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $37,850.00 | 6.260% | $57,232.00 | 1.0 | None | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 10.260% | No | 34 | 34 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 4.93 | Yes | No | $0.00 | $14,897.10 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000098924 | XXXXX | Non QM | Yes | No | $15,705.00 | $15,227.43 | 6.949% | $4,608.29 | $4,608.29 | 6.750% | No | No | Self-Employed | US Citizen | $19,695.98 | 1 | $12,687.48 | $599.28 | $1,057.29 | $49.94 | 27.876% | 27.876% | 27.876% | 10/10/2025 | 743 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $15,705.00 | 6.160% | $5,250.00 | None | N/A | No | 6.750% | 0 | 0 | 0 | 3 | 0 | 12.00 | No | XXXXX | XXXXX | 79.090% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 46.23 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000099059 | XXXXX | N/A | No | No | $2,524.44 | $2,524.44 | 6.250% | No | No | 0 | US Citizen | US Citizen | 1 | $1,455.84 | $792.12 | $121.32 | $66.01 | 0.000% | 0.000% | 0.000% | 10/10/2025 | 790 | Level 2-Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | 1.0 | N/A | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.96 | 1.04 | XXXXX | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 145.26 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100063 | XXXXX | Non QM | Yes | No | $2,375.00 | $4,276.13 | 6.804% | $4,092.65 | $4,092.65 | 6.750% | No | No | Self-Employed | Non-Permanent Resident Alien | XXX | $10,193.83 | 1 | $13,337.28 | $1,500.12 | $1,111.44 | $125.01 | 42.634% | 42.634% | 42.634% | 10/15/2025 | 743 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2024 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $2,375.00 | 6.160% | $0.00 | 1.0 | None | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 21.00 | No | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Employment Authorization | No | 0.06 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100349 | XXXXX | Non QM | Yes | No | $20,589.75 | $25,314.87 | 7.577% | $3,702.08 | $3,702.08 | 7.125% | No | No | Self-Employed | US Citizen | $8,700.79 | 1 | $9,812.52 | $2,550.00 | $817.71 | $212.50 | 38.779% | 38.779% | 38.779% | 10/15/2025 | 705 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2025 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $20,589.75 | 6.160% | $5,000.00 | 1.0 | None | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | XXXXX | 3.180% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 6.47 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100513 | XXXXX | Non QM | Yes | No | $2,720.00 | $4,001.75 | 8.240% | $2,918.69 | $3,716.14 | 9.293% | No | No | Employed | US Citizen | $7,408.48 | 1 | $7,515.60 | $1,968.96 | $626.30 | $164.08 | 40.732% | 38.788% | 40.732% | 10/20/2025 | 765 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $2,720.00 | 6.550% | $0.00 | 1.0 | None | N/A | No | 9.293% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | No | 34 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Yes | 0.85 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000081501 | XXXXX | N/A | No | No | $36,255.00 | $6,182.03 | 6.530% | $7,995.66 | $7,995.66 | 6.500% | No | No | Not Employed | Self-Employed | US Citizen | $153,274.12 | 1 | $17,726.76 | $1,407.96 | $1,477.23 | $117.33 | 30.396% | 30.396% | 30.396% | 10/22/2025 | 771 | No | No | [Coborrower(s) - |
Primary Income - P&L Statement Only]; Business License - 2025 [Coborrower(s) - | Primary Income - P&L Statement Only]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - P&L Statement Only]; Other - 2025 [Coborrower(s) - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Coborrower(s) - | Primary Income - P&L Statement Only]; P&L Statement - 2024 [Coborrower(s) - | Primary Income - P&L Statement Only]; P&L Statement - 2023 |
Alternative Documentation (A) | 2yr P&L w/o Bank Statements | 0 | 0 | 0 | Yes | XXXXX | $36,255.00 | 6.260% | $0.00 | 1.0 | None | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 49.82 | No | No | $220,207.48 | $0.00 | No | No | No | No | 6 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100772 | XXXXX | Non QM | Yes | No | $1,640.00 | $6,715.65 | 6.556% | $5,557.14 | $5,557.14 | 6.500% | No | No | Self-Employed | US Citizen | $36,614.35 | 1 | $11,928.36 | $4,404.96 | $994.03 | $367.08 | 33.732% | 33.732% | 33.732% | 11/03/2025 | 783 | No | Yes | 36 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Borrower]; 1084 or income worksheet - Year Not Available [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.160% | $4,990.00 | 4.6 | None | Yes | No | 6.500% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | Yes | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 203.03 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100577 | XXXXX | Non QM | Yes | No | $5,145.00 | $6,813.00 | 6.773% | $2,881.40 | $2,881.40 | 6.625% | No | No | Not Employed | Employed | US Citizen | US Citizen | $7,481.33 | 1 | $6,802.20 | $2,213.04 | $566.85 | $184.42 | 44.583% | 44.583% | 44.583% | 09/30/2025 | 756 | No | No | [Coborrower(s) - |
Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2025 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $5,145.00 | 6.160% | $0.00 | 1.0 | None | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | No | 33 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 39.17 | No | $0.00 | $13,500.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101467 | XXXXX | Non QM | Yes | No | $13,307.70 | $16,228.93 | 6.669% | $2,278.15 | $2,278.15 | 6.250% | No | No | Self-Employed | US Citizen | $3,883.35 | 1 | $9,624.96 | $1,937.04 | $802.08 | $161.42 | 46.657% | 46.657% | 46.657% | 10/20/2025 | 693 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $13,307.70 | 6.170% | $5,000.00 | 1.3 | None | N/A | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | XXXXX | 58.360% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 9.37 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000203 | XXXXX | Non QM | Yes | No | $1,170.00 | $2,858.00 | 6.399% | $7,158.91 | $7,158.91 | 6.375% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $13,738.17 | 1 | $10,639.56 | $6,678.96 | $886.63 | $556.58 | 40.438% | 40.438% | 40.438% | 10/14/2025 | 806 | No | Yes | 12 | Business | 76.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2013 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2013 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $1,170.00 | 6.290% | $0.00 | 5.0 | None | No | No | 6.375% | 0 | 2 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Trustee | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 8.76 | No | $0.00 | $5,625.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100578 | XXXXX | N/A | No | No | $3,833.21 | $3,833.21 | 6.750% | No | No | US Citizen | 1 | $5,703.72 | $2,295.72 | $475.31 | $191.31 | 0.000% | 0.000% | 0.000% | 10/29/2025 | 752 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.12 | 0.89 | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 22.01 | Yes | 20.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000205 | XXXXX | N/A | No | No | $10,990.03 | $10,990.03 | 7.125% | No | No | US Citizen | 1 | $10,195.44 | $2,180.64 | $849.62 | $181.72 | 0.000% | 0.000% | 0.000% | 10/10/2025 | 740 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 3.4 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.07 | 0.94 | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 95.41 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000241 | XXXXX | Non QM | Yes | No | $1,595.00 | $7,375.00 | 6.434% | $7,461.48 | $7,461.48 | 6.375% | No | No | Self-Employed | US Citizen | $18,105.88 | 1 | $18,687.48 | $3,101.28 | $1,557.29 | $258.44 | 41.440% | 41.440% | 41.440% | 10/16/2025 | 787 | No | Yes | 12 | Personal | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: % | Expense Ratio Source: | #
of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: % | Expense Ratio Source: | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: % | Expense Ratio Source: | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: % | Expense Ratio Source: | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: % | Expense Ratio Source: | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: % | Expense Ratio Source: | # of Bank Statements Required: 12]; Other - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $1,595.00 | 6.170% | $330.86 | 1.0 | None | Yes | No | 6.375% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 43.770% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | Yes | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 41.53 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100267 | XXXXX | Non QM | Yes | No | $2,375.00 | $4,772.81 | 6.843% | $3,418.11 | $3,418.11 | 6.750% | No | No | Employed | Permanent Resident Alien | $6,707.83 | 1 | $17,318.76 | $1,713.96 | $1,443.23 | $142.83 | 46.337% | 46.337% | 46.337% | 10/01/2025 | 770 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $2,375.00 | 6.160% | $0.00 | 1.2 | None | N/A | No | 6.750% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | No | 33 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | No | 1.7 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000215 | XXXXX | N/A | No | No | $14,816.91 | $14,816.91 | 6.375% | No | No | US Citizen | 4 | $22,308.36 | $5,417.40 | $1,859.03 | $451.45 | 0.000% | 0.000% | 0.000% | 09/22/2025 | 787 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | No | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.14 | 0.88 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 39.68 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100845 | XXXXX | N/A | No | No | $2,565.00 | $1,432.77 | 7.152% | $3,590.92 | $3,590.92 | 7.125% | No | No | Not Employed | Self-Employed | US Citizen | $13,178.55 | 1 | $11,269.80 | $2,232.00 | $939.15 | $186.00 | 28.837% | 28.837% | 28.837% | 11/24/2025 | 788 | No | No | [Coborrower(s) - |
Primary Income - P&L Statement Only]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - P&L Statement Only]; Other - 2025 [Coborrower(s) - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Coborrower(s) - | Primary Income - P&L Statement Only]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - P&L Statement Only]; Other - 2024 [Coborrower(s) - | Primary Income - P&L Statement Only]; Other - 2024 [Coborrower(s) - | Primary Income - P&L Statement Only]; Other - 2024 |
Alternative Documentation (A) | 2yr P&L w/o Bank Statements | 0 | 0 | 0 | No | XXXXX | $2,565.00 | 6.170% | $0.00 | 1.3 | None | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 11.91 | Retail | No | No | $18,518.80 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103411 | XXXXX | Non QM | Yes | No | $6,775.00 | $7,483.00 | 6.933% | $2,853.83 | $2,853.83 | 6.750% | No | No | Self-Employed | US Citizen | $24,862.83 | 1 | $6,729.84 | $1,696.32 | $560.82 | $141.36 | 42.180% | 42.180% | 42.180% | 10/15/2025 | 760 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; Account Statements - Business -
2025 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $6,775.00 | 6.230% | $0.00 | None | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 5.46 | No | No | $0.00 | $0.00 | No | No | No | No | 5 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000237 | XXXXX | Non QM | Yes | No | $2,065.00 | $5,560.58 | 6.538% | $4,424.48 | $4,424.48 | 6.500% | No | No | Non-Employment Income | US Citizen | $9,869.19 | 1 | $13,740.00 | $4,770.00 | $1,145.00 | $397.50 | 38.906% | 38.906% | 38.906% | 10/16/2025 | 743 | Yes | No | [Borrower - |
Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Other - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | No | XXXXX | $2,065.00 | 6.170% | $0.00 | 2.9 | None | Yes | No | 6.500% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 202.29 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000222 | XXXXX | Non QM | Yes | No | $1,950.00 | $7,340.31 | 6.396% | $7,299.28 | $7,299.28 | 6.375% | No | No | Non-Employment Income | US Citizen | $18,391.62 | 1 | $19,917.36 | $5,294.40 | $1,659.78 | $441.20 | 42.649% | 42.649% | 42.649% | 10/21/2025 | 788 | Yes | No | [Borrower - |
Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | No | XXXXX | $1,950.00 | 6.260% | $0.00 | 4.1 | None | No | No | 6.375% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 412.62 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000105546 | XXXXX | Non QM | Yes | No | $2,375.00 | $12,658.83 | 7.994% | $7,079.16 | $9,031.65 | 9.025% | No | No | Self-Employed | Permanent Resident Alien | $42,307.83 | 1 | $17,499.96 | $4,263.00 | $1,458.33 | $355.25 | 28.365% | 27.367% | 28.365% | 11/18/2025 | 740 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $2,375.00 | 6.510% | $0.00 | 1.8 | None | N/A | No | 9.025% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 3.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 12.7 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000229 | XXXXX | N/A | No | No | $7,497.96 | $7,497.96 | 7.000% | No | No | US Citizen | 1 | $18,706.92 | $5,391.96 | $1,558.91 | $449.33 | 0.000% | 0.000% | 0.000% | 10/17/2025 | 696 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 3.4 | No | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.47 | 0.68 | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 388.62 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000104600 | XXXXX | Non QM | Yes | No | $2,720.00 | $8,646.35 | 6.723% | $4,029.48 | $4,029.48 | 6.625% | No | No | Employed | US Citizen | $8,058.83 | 1 | $11,237.52 | $2,426.76 | $936.46 | $202.23 | 42.437% | 42.437% | 42.437% | 11/10/2025 | 732 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $2,720.00 | 6.190% | $0.00 | 1.0 | None | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 3.940% | No | 34 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 0.32 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103546 | XXXXX | Non QM | Yes | No | $46,740.00 | $62,143.45 | 7.678% | $20,976.44 | $20,976.44 | 7.500% | No | No | Self-Employed | US Citizen | $100,621.86 | 1 | $31,653.24 | $2,865.72 | $2,637.77 | $238.81 | 24.875% | 24.875% | 24.875% | 09/30/2025 | 757 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $46,740.00 | 6.230% | $0.00 | 5.0 | None | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 20.35 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000104293 | XXXXX | Non QM | Yes | No | $21,196.25 | $25,027.66 | 7.085% | $6,562.72 | $6,562.72 | 6.875% | No | No | Self-Employed | US Citizen | $17,347.11 | 1 | $18,125.04 | $3,533.04 | $1,510.42 | $294.42 | 33.933% | 33.933% | 33.933% | 11/24/2025 | 775 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 |
Alternative Documentation (A) | 2yr P&L w/o Bank Statements | 0 | 0 | 0 | Yes | XXXXX | $21,196.25 | 6.260% | $0.00 | 1.1 | None | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 24.00 | No | XXXXX | XXXXX | 0.050% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 0.06 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000104228 | XXXXX | Non QM | Yes | No | $2,720.00 | $6,028.47 | 6.671% | $4,902.86 | $4,902.86 | 6.625% | No | No | Employed | Permanent Resident Alien | $9,859.68 | 1 | $14,109.12 | $1,689.12 | $1,175.76 | $140.76 | 43.871% | 43.871% | 43.871% | 11/21/2025 | 752 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $2,720.00 | 6.230% | $0.00 | 1.0 | None | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | No | 32 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 1.67 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000105289 | XXXXX | Non QM | Yes | No | $13,965.00 | $2,886.04 | 6.500% | $7,306.71 | $7,306.71 | 6.500% | No | No | Employed | US Citizen | $11,930.72 | 1 | $18,125.04 | $2,166.00 | $1,510.42 | $180.50 | 43.328% | 43.328% | 43.328% | 11/20/2025 | 811 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $13,965.00 | 6.190% | $20,000.00 | None | Yes | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 54.570% | No | 12 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 55.23 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000105000 | XXXXX | N/A | No | No | $28,496.25 | $15,112.47 | 7.386% | $3,587.55 | $3,587.55 | 7.125% | No | No | Self-Employed | US Citizen | $18,223.84 | 1 | $6,403.32 | $1,187.16 | $533.61 | $98.93 | 37.314% | 37.314% | 37.314% | 12/15/2025 | 784 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 |
Alternative Documentation (A) | 2yr P&L w/o Bank Statements | 0 | 0 | 0 | No | XXXXX | $28,496.25 | 6.190% | $0.00 | 1.5 | None | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 24.00 | No | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 121.7 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000106064 | XXXXX | Non QM | Yes | No | $9,570.00 | $15,415.77 | 8.190% | $5,355.51 | $7,390.64 | 9.928% | No | No | Self-Employed | Non-Permanent Resident Alien | $13,176.86 | 1 | $14,312.52 | $2,919.96 | $1,192.71 | $243.33 | 42.079% | 33.133% | 42.079% | 11/17/2025 | 756 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 |
Alternative Documentation (A) | 2yr P&L w/o Bank Statements | 0 | 0 | 0 | No | XXXXX | $9,570.00 | 6.160% | $0.00 | 1.5 | None | N/A | No | 9.928% | 0 | 0 | 0 | 0 | 0 | 24.00 | No | XXXXX | XXXXX | 29.510% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Employment Authorization | 0.88 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000250 | XXXXX | Non QM | Yes | No | $1,950.00 | $5,633.71 | 6.772% | $7,011.35 | $7,011.35 | 6.750% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $49,681.25 | 1 | $10,107.96 | $1,518.84 | $842.33 | $126.57 | 16.145% | 16.145% | 16.145% | 11/06/2025 | 750 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $1,950.00 | 6.260% | $0.00 | 2.3 | None | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 22.24 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000105102 | XXXXX | Non QM | Yes | No | $2,565.00 | $10,134.68 | 6.688% | $7,181.73 | $7,181.73 | 6.625% | No | No | Employed | Non-Permanent Resident Alien | XXX | $12,202.68 | 1 | $17,525.04 | $350.04 | $1,460.42 | $29.17 | 41.892% | 41.892% | 41.892% | 11/24/2025 | 817 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $2,565.00 | 6.190% | $1,000.00 | 1.0 | None | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 10.600% | No | 35 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Employment Authorization | 12.94 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000106055 | XXXXX | Non QM | Yes | No | $2,565.00 | $7,451.25 | 6.828% | $4,488.30 | $4,488.30 | 6.750% | No | No | Employed | Non-Permanent Resident Alien | XXX | $9,708.99 | 1 | $10,812.48 | $428.04 | $901.04 | $35.67 | 36.125% | 36.125% | 36.125% | 12/01/2025 | 742 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $2,565.00 | 6.220% | $0.00 | 1.0 | None | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 8.620% | No | 25 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Employment Authorization | 10 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000246 | XXXXX | N/A | No | No | $2,952.64 | $2,952.64 | 7.375% | No | No | 0 | US Citizen | US Citizen | US Citizen | 1 | $7,125.00 | $1,686.96 | $593.75 | $140.58 | 0.000% | 0.000% | 0.000% | 09/04/2025 | 783 | 778 | 796 | 788 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.0 | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.81 | 1.23 | XXXXX | XXXXX | 56.130% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 43.74 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000106059 | XXXXX | Non QM | Yes | No | $2,745.00 | $4,266.75 | 6.825% | $2,918.69 | $2,918.69 | 6.750% | No | No | Self-Employed | Permanent Resident Alien | $7,629.68 | 3 | $19,103.52 | $4,571.04 | $1,591.96 | $380.92 | 39.260% | 39.260% | 39.260% | 08/08/2025 | 764 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; Audited P&L - 2025 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2025 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $2,745.00 | 6.220% | $0.00 | None | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | No | 88.14 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000105151 | XXXXX | Non QM | Yes | No | $3,120.00 | $9,636.77 | 6.727% | $4,802.33 | $4,802.33 | 6.625% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $9,181.45 | 1 | $16,018.80 | $2,501.04 | $1,334.90 | $208.42 | 45.334% | 45.334% | 45.334% | 11/21/2025 | 800 | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2025 |
[Borrower]; 1084 or income worksheet - Year Not
Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $3,120.00 | 6.190% | $0.00 | 1.3 | None | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 47.280% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 9.09 | No | No | $8,397.70 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000106057 | XXXXX | Non QM | Yes | No | $15,175.00 | $7,386.03 | 6.907% | $7,955.41 | $7,955.41 | 6.875% | No | No | Self-Employed | US Citizen | $14,443.55 | 1 | $21,624.96 | $3,549.00 | $1,802.08 | $295.75 | 41.224% | 41.224% | 41.224% | 12/05/2025 | 798 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 |
Alternative Documentation (A) | 2yr P&L w/o Bank Statements | 0 | 0 | 0 | No | XXXXX | $15,175.00 | 6.220% | $0.00 | 1.0 | None | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 24.00 | No | XXXXX | XXXXX | 6.150% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 7.87 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000106980 | XXXXX | Non QM | Yes | No | $11,245.00 | $12,732.11 | 6.862% | $3,201.55 | $3,201.55 | 6.625% | No | No | Employed | Permanent Resident Alien | $8,877.62 | 1 | $9,596.88 | $2,013.12 | $799.74 | $167.76 | 36.588% | 36.588% | 36.588% | 11/26/2025 | 719 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $11,245.00 | 6.270% | $0.00 | 1.0 | None | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | No | 35 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | No | 34.66 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000106979 | XXXXX | Non QM | Yes | No | $7,410.00 | $10,190.13 | 6.696% | $2,964.40 | $2,964.40 | 6.500% | No | No | Employed | Permanent Resident Alien | $5,910.53 | 1 | $9,000.00 | $1,608.00 | $750.00 | $134.00 | 43.203% | 43.203% | 43.203% | 11/17/2025 | 810 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $7,410.00 | 6.230% | $0.00 | 1.0 | None | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 30.870% | No | 35 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 6.75 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000107763 | XXXXX | Non QM | Yes | No | $7,220.00 | $1,385.32 | 6.263% | $2,770.73 | $2,770.73 | 6.250% | No | No | Employed | US Citizen | $10,254.57 | 1 | $14,375.04 | $1,209.24 | $1,197.92 | $100.77 | 33.842% | 33.842% | 33.842% | 12/01/2025 | 768 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $7,220.00 | 6.220% | $15,336.16 | 1.0 | None | N/A | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 3.160% | No | 36 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 0.11 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000266 | XXXXX | N/A | No | No | $6,834.38 | $6,834.38 | 6.750% | No | No | US Citizen | US Citizen | 2 | $20,250.00 | $3,716.04 | $1,687.50 | $309.67 | 0.000% | 0.000% | 0.000% | 11/14/2025 | 745 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | 240 | XXXXX | XXXXX | 31.470% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 8.68 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000107090 | XXXXX | N/A | No | No | $12,002.50 | $14,836.20 | 7.437% | $4,732.60 | $4,732.60 | 7.250% | No | No | Self-Employed | US Citizen | $36,068.67 | 1 | $7,875.00 | $2,106.96 | $656.25 | $175.58 | 47.189% | 47.189% | 47.189% | 10/28/2025 | 723 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 2yr P&L w/o Bank Statements | 0 | 0 | 0 | No | XXXXX | $12,002.50 | 6.190% | $0.00 | 1.0 | None | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 34.00 | No | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 120.91 | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000106723 | XXXXX | Non QM | Yes | No | $13,770.00 | $13,060.98 | 6.720% | $7,241.92 | $7,241.92 | 6.625% | No | No | Employed | Permanent Resident Alien | $15,541.34 | 1 | $17,671.92 | $2,796.96 | $1,472.66 | $233.08 | 37.835% | 37.835% | 37.835% | 10/30/2025 | 721 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $13,770.00 | 6.270% | $24,000.00 | None | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 7.240% | No | 34 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 9.07 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000107099 | XXXXX | Non QM | Yes | No | $7,065.00 | $1,250.29 | 6.510% | $4,898.53 | $4,898.53 | 6.500% | No | No | Employed | Employed | Permanent Resident Alien | US Citizen | $9,224.72 | 1 | $13,812.60 | $3,281.04 | $1,151.05 | $273.42 | 45.640% | 45.640% | 45.640% | 12/04/2025 | 767 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2025 |
[Borrower]; 1084 or income worksheet - Year Not
Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $7,065.00 | 6.270% | $0.00 | 2.0 | None | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | No | 35 | 35 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | No | 0 | No | $0.00 | $5,969.72 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000107592 | XXXXX | Non QM | Yes | No | $11,112.00 | $1,622.46 | 6.772% | $3,684.04 | $3,684.04 | 6.750% | No | No | Employed | US Citizen | $9,609.91 | 1 | $8,888.04 | $0.00 | $740.67 | $0.00 | 43.471% | 43.471% | 43.471% | 12/05/2025 | 786 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $11,112.00 | 6.270% | $20,000.00 | None | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 12.540% | No | 35 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 5.47 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000107405 | XXXXX | Non QM | Yes | No | $2,220.00 | $5,671.67 | 7.796% | $3,208.18 | $4,213.61 | 8.908% | No | No | Employed | Non-Permanent Resident Alien | XXX | $9,230.63 | 1 | $11,000.04 | $1,561.08 | $916.67 | $130.09 | 38.463% | 35.964% | 38.463% | 12/09/2025 | 804 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $2,220.00 | 6.460% | $0.00 | 1.0 | None | N/A | No | 8.908% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 3.000% | No | 35 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Employment Authorization | 0 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000106977 | XXXXX | Non QM | Yes | No | $2,720.00 | $1,753.23 | 6.643% | $3,406.45 | $3,406.45 | 6.625% | No | No | Employed | Permanent Resident Alien | $5,677.40 | 1 | $9,539.28 | $1,368.00 | $794.94 | $114.00 | 46.949% | 46.949% | 46.949% | 11/18/2025 | 771 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $2,720.00 | 6.270% | $0.00 | None | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | No | 27 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | No | 0 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000107407 | XXXXX | Non QM | Yes | No | $2,375.00 | $2,706.55 | 6.789% | $3,080.84 | $3,080.84 | 6.750% | No | No | Employed | US Citizen | $9,214.31 | 1 | $12,283.44 | $914.76 | $1,023.62 | $76.23 | 36.453% | 36.453% | 36.453% | 11/30/2025 | 786 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $2,375.00 | 6.220% | $0.00 | 1.0 | None | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | No | 35 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 0.38 | Retail | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000106700 | XXXXX | Non QM | Yes | No | $5,050.00 | $5,931.33 | 7.143% | $2,661.21 | $2,661.21 | 7.000% | No | No | Self-Employed | US Citizen | $10,787.62 | 1 | $13,411.32 | $2,335.08 | $1,117.61 | $194.59 | 29.029% | 29.029% | 29.029% | 12/10/2025 | 793 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $5,050.00 | 6.270% | $0.00 | 1.0 | None | Yes | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000282 | XXXXX | N/A | No | No | $4,270.04 | $4,270.04 | 6.875% | No | No | US Citizen | US Citizen | 1 | $1,634.16 | $915.00 | $136.18 | $76.25 | 0.000% | 0.000% | 0.000% | 11/19/2025 | 746 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.83 | 1.21 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Trustee | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 200.36 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000105498 | XXXXX | Non QM | Yes | No | $12,802.19 | $14,413.53 | 7.013% | $6,528.23 | $6,528.23 | 6.875% | No | No | Self-Employed | US Citizen | $19,339.03 | 1 | $13,848.36 | $1,593.48 | $1,154.03 | $132.79 | 31.843% | 31.843% | 31.843% | 10/01/2025 | 738 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 |
Alternative Documentation (A) | 2yr P&L w/o Bank Statements | 0 | 0 | 0 | No | XXXXX | $12,802.19 | 6.220% | $0.00 | 1.3 | None | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 24.00 | No | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 2.7 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000107103 | XXXXX | Non QM | Yes | No | $3,715.00 | $5,999.48 | 8.662% | $923.58 | $1,306.20 | 9.908% | No | No | Employed | Permanent Resident Alien | $5,821.03 | 1 | $11,246.64 | $1,005.00 | $937.22 | $83.75 | 35.322% | 33.074% | 35.322% | 12/11/2025 | 743 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $3,715.00 | 6.410% | $0.00 | 1.0 | None | N/A | No | 9.908% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 2.820% | No | 35 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 0.17 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000106739 | XXXXX | Non QM | Yes | No | $8,678.75 | $3,186.51 | 6.828% | $2,427.38 | $2,427.38 | 6.750% | No | No | Employed | US Citizen | $4,561.40 | 1 | $1,118.64 | $612.00 | $93.22 | $51.00 | 39.181% | 39.181% | 39.181% | 11/28/2025 | 708 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $8,678.75 | 6.270% | $14,970.00 | None | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 2.900% | No | 28 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 0.26 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000106702 | XXXXX | Non QM | Yes | No | $6,673.00 | $9,601.96 | 6.561% | $3,119.35 | $3,119.35 | 6.375% | No | No | Self-Employed | US Citizen | $9,941.84 | 1 | $13,125.00 | $2,670.96 | $1,093.75 | $222.58 | 42.599% | 42.599% | 42.599% | 11/25/2025 | 793 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 |
Alternative Documentation (A) | 2yr P&L w/o Bank Statements | 0 | 0 | 0 | No | XXXXX | $6,673.00 | 6.270% | $8,500.00 | 1.3 | None | Yes | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 24.00 | No | XXXXX | XXXXX | 55.340% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 4.35 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000105133 | XXXXX | Non QM | Yes | No | $1,640.00 | $4,711.07 | 6.665% | $5,250.55 | $5,250.55 | 6.625% | No | No | Employed | US Citizen | $20,778.54 | 1 | $4,963.92 | $3,660.96 | $413.66 | $305.08 | 43.472% | 43.472% | 43.472% | 12/04/2025 | 780 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Borrower - | Non-Primary Income - Social Security]; Account Statements - 2025 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.190% | $0.00 | 2.6 | None | No | No | 6.625% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | 34.130% | No | 35 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 21.48 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000104695 | XXXXX | N/A | No | No | $7,295.24 | $9,987.69 | 7.185% | $3,297.24 | $3,297.24 | 7.000% | No | No | Self-Employed | US Citizen | $10,963.65 | 1 | $8,850.00 | $3,365.04 | $737.50 | $280.42 | 42.990% | 42.990% | 42.990% | 11/06/2025 | 801 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $7,295.24 | 6.190% | $0.00 | 1.0 | None | Yes | No | 7.000% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 35.500% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 21.46 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000107113 | XXXXX | Non QM | Yes | No | $2,715.00 | $3,538.36 | 7.917% | $4,006.68 | $5,047.02 | 8.883% | No | No | Self-Employed | Non-Permanent Resident Alien | XXX | $16,026.19 | 1 | $10,424.40 | $3,153.96 | $868.70 | $262.83 | 34.168% | 33.064% | 34.168% | 12/08/2025 | 793 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $2,715.00 | 6.410% | $0.00 | 1.0 | None | N/A | No | 8.883% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Employment Authorization | No | 5.77 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000106880 | XXXXX | Non QM | Yes | No | $2,390.00 | $5,204.29 | 6.480% | $2,869.80 | $2,869.80 | 6.375% | No | No | Self-Employed | US Citizen | $6,275.07 | 1 | $9,856.92 | $3,332.04 | $821.41 | $277.67 | 42.144% | 42.144% | 42.144% | 12/11/2025 | 783 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $2,390.00 | 6.270% | $0.00 | 1.0 | None | N/A | No | 6.375% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 42.300% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 33.41 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000106709 | XXXXX | Non QM | Yes | No | $2,565.00 | $814.94 | 6.755% | $5,983.32 | $5,983.32 | 6.750% | No | No | Employed | Not Employed | US Citizen | US Citizen | $8,087.48 | 1 | $12,220.44 | $2,313.96 | $1,018.37 | $192.83 | 47.823% | 47.823% | 47.823% | 11/19/2025 | 714 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | Yes | XXXXX | $2,565.00 | 6.270% | $0.00 | 1.8 | None | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | No | 35 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 15.16 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000107107 | XXXXX | Non QM | Yes | No | $16,640.00 | $6,246.11 | 6.945% | $4,756.16 | $4,756.16 | 6.875% | No | No | Self-Employed | US Citizen | $25,449.83 | 1 | $11,312.52 | $2,160.96 | $942.71 | $180.08 | 37.989% | 37.989% | 37.989% | 12/02/2025 | 757 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 |
Alternative Documentation (A) | 2yr P&L w/o Bank Statements | 0 | 0 | 0 | No | XXXXX | $16,640.00 | 6.270% | $8,500.00 | 1.0 | None | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 24.00 | No | XXXXX | XXXXX | 6.490% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 5.29 | Yes | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000292 | XXXXX | N/A | No | No | $2,270.09 | $2,270.09 | 6.750% | No | No | US Citizen | 1 | $11,937.48 | $1,599.96 | $994.79 | $133.33 | 0.000% | 0.000% | 0.000% | 11/25/2025 | 739 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.1 | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.14 | 0.87 | XXXXX | XXXXX | 84.310% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 50.52 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000107473 | XXXXX | N/A | No | No | $81,871.00 | $33,389.24 | 7.582% | $7,083.72 | $7,083.72 | 7.250% | No | No | Self-Employed | US Citizen | $15,733.30 | 1 | $16,224.96 | $18,155.04 | $1,352.08 | $1,512.92 | 46.637% | 46.637% | 46.637% | 11/04/2025 | 792 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2022 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $81,871.00 | 6.270% | $63,400.00 | 3.7 | None | N/A | No | 7.250% | 0 | 0 | 0 | 2 | 0 | 13.00 | No | XXXXX | XXXXX | 21.720% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 10.45 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000105250 | XXXXX | N/A | No | No | $2,410.00 | $6,696.91 | 7.434% | $5,439.06 | $6,112.48 | 7.375% | No | No | Self-Employed | US Citizen | $56,020.21 | 1 | $14,750.04 | $2,079.00 | $1,229.17 | $173.25 | 35.395% | 34.618% | 35.395% | 12/08/2025 | 763 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $2,410.00 | 6.190% | $11,200.00 | 4.4 | None | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 24 | 0.00 | No | 360 | XXXXX | XXXXX | 7.430% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 18.61 | Yes | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000108436 | XXXXX | Non QM | Yes | No | $2,720.00 | $3,735.44 | 7.061% | $3,486.19 | $3,486.19 | 7.000% | No | No | Employed | US Citizen | $14,687.22 | 1 | $9,751.08 | $0.00 | $812.59 | $0.00 | 28.564% | 28.564% | 28.564% | 11/03/2025 | 712 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $2,720.00 | 6.270% | $0.00 | None | Yes | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | No | 35 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 0.16 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000105549 | XXXXX | N/A | No | No | $16,529.00 | $5,463.20 | 8.117% | $1,710.44 | $1,710.44 | 7.875% | No | No | Self-Employed | US Citizen | $6,307.64 | 1 | $3,301.20 | $1,089.96 | $275.10 | $90.83 | 36.421% | 36.421% | 36.421% | 11/08/2025 | 695 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 |
Alternative Documentation (A) | 1yr P&L w/o Bank Statements | 0 | 0 | 0 | No | XXXXX | $16,529.00 | 6.220% | $0.00 | 1.0 | None | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 109 | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000107307 | XXXXX | N/A | No | No | $35,890.00 | $6,614.00 | 6.730% | $4,149.22 | $4,149.22 | 6.625% | No | No | Self-Employed | US Citizen | $13,001.33 | 1 | $10,136.16 | $1,292.04 | $844.68 | $107.67 | 41.534% | 41.534% | 41.534% | 11/21/2025 | 776 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements
Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $35,890.00 | 6.270% | $0.00 | None | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 8.640% | No | Yes | Preliminary | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 31.04 | No | No | $0.00 | $0.00 | No | No | No | No | 5 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000107406 | XXXXX | Non QM | Yes | No | $2,425.00 | $3,866.33 | 6.572% | $3,545.90 | $3,545.90 | 6.500% | No | No | Employed | Non-Permanent Resident Alien | XXX | $8,368.51 | 1 | $12,882.84 | $3,060.00 | $1,073.57 | $255.00 | 43.479% | 43.479% | 43.479% | 10/31/2025 | 755 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $2,425.00 | 6.220% | $0.00 | 1.0 | None | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | No | 35 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Employment Authorization | No | 1.82 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000106941 | XXXXX | Non QM | Yes | No | $31,550.00 | $23,667.57 | 7.073% | $19,959.07 | $19,959.07 | 7.000% | No | No | Self-Employed | US Citizen | $47,772.79 | 1 | $50,000.04 | $4,755.60 | $4,166.67 | $396.30 | 34.368% | 34.368% | 34.368% | 12/09/2025 | 727 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 |
Alternative Documentation (A) | 2yr P&L w/o Bank Statements | 0 | 0 | 0 | No | XXXXX | $31,550.00 | 6.270% | $0.00 | 4.4 | None | No | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 24.00 | No | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 3.3 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000106832 | XXXXX | Non QM | Yes | No | $14,295.00 | $15,479.32 | 6.740% | $8,292.03 | $8,292.03 | 6.625% | No | No | Self-Employed | US Citizen | $285,922.42 | 1 | $17,164.92 | $2,617.32 | $1,430.41 | $218.11 | 4.020% | 4.020% | 4.020% | 12/08/2025 | 800 | No | Yes | 12 | Business | 100.000% | 25.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Yes | XXXXX | $14,295.00 | 6.270% | $0.00 | None | N/A | No | 6.625% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 32.190% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 24.54 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000305 | XXXXX | Non QM | Yes | No | $13,770.00 | $20,275.65 | 6.202% | $15,190.26 | $15,190.26 | 6.125% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $46,788.66 | 1 | $55,906.44 | $8,305.44 | $4,658.87 | $692.12 | 0.000% | 0.000% | 0.000% | 11/13/2025 | 789 | Yes | No | [Borrower - |
Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | No | XXXXX | $13,770.00 | 6.220% | $7,750.00 | 1.7 | None | No | No | 6.125% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | XXXXX | XXXXX | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Trustee | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 639.38 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000319 | XXXXX | N/A | No | No | $8,023.82 | $8,023.82 | 7.750% | No | No | US Citizen | US Citizen | 1 | $20,000.04 | $2,709.96 | $1,666.67 | $225.83 | 0.000% | 0.000% | 0.000% | 10/31/2025 | 789 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.7 | Yes | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.76 | 1.32 | XXXXX | XXXXX | 51.250% | No | Yes | Preliminary | Fee Simple | Individual | Trustee | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 27.75 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000106730 | XXXXX | Non QM | Yes | No | $2,490.00 | $5,984.69 | 7.408% | $5,045.65 | $5,747.34 | 7.937% | No | No | Self-Employed | US Citizen | $71,100.43 | 1 | $15,559.80 | $1,550.04 | $1,296.65 | $129.17 | 9.924% | 10.257% | 9.924% | 11/06/2025 | 799 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $2,490.00 | 6.410% | $0.00 | 2.0 | None | N/A | No | 7.937% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 2.030% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 10.01 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000107114 | XXXXX | Non QM | Yes | No | $1,640.00 | $2,840.74 | 7.208% | $5,764.51 | $8,812.44 | 7.865% | No | No | Non-Employment Income | US Citizen | $3,809.46 | 1 | $66,821.76 | $3,756.96 | $5,568.48 | $313.08 | 0.000% | 0.000% | 0.000% | 12/09/2025 | 823 | Yes | No | [Borrower - |
Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.150% | $0.00 | 1.0 | None | N/A | No | 7.865% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | 240 | XXXXX | XXXXX | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 136.16 | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000235 | XXXXX | N/A | No | No | $1,131.01 | $1,131.01 | 7.000% | No | No | US Citizen | 1 | $1,867.32 | $515.04 | $155.61 | $42.92 | 0.000% | 0.000% | 0.000% | 10/27/2025 | 769 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.3 | Yes | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.72 | 0.58 | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 52.24 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000106155 | XXXXX | Non QM | Yes | No | $2,470.00 | $4,568.50 | 6.929% | $4,089.38 | $4,089.38 | 6.875% | No | Yes | Not Employed | Employed | Employed | 2.98 | US Citizen | US Citizen | US Citizen | $15,067.47 | 1 | $8,718.96 | $5,746.44 | $726.58 | $478.87 | 47.765% | 47.765% | 47.765% | 11/20/2025 | 759 | 777 | 774 | 768 | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Yes | No | [Coborrower(s) - |
Primary Income - K-1 (< 25%)]; Other - 2025 [Coborrower(s) - | Primary Income - K-1 (< 25%)]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2024 [Coborrower(s) - | Primary Income - K-1 (< 25%)]; K-1 - 2024 [Coborrower(s) - | Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2023 [Coborrower(s) - | Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2022 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; CPA Letter - 2025 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; Other - 2025 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2025 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2022 [Coborrower(s) - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Coborrower(s) - | Non-Primary Income - Asset Depletion]; Account Statements - 2025 [Coborrower(s) - | Primary Income - K-1 (< 25%)]; Other - 2025 [Coborrower(s) - | Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2024 [Coborrower(s) - | Primary Income - K-1 (< 25%)]; K-1 - 2024 [Coborrower(s) - | Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2023 [Coborrower(s) - | Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2022 [Coborrower(s) - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | No | XXXXX | $2,470.00 | 6.260% | $0.00 | None | N/A | No | 6.875% | 0 | 0 | 1 | 0 | 3 | 1 | 0.00 | No | 60 | XXXXX | XXXXX | 89.560% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 98.05 | Yes | No | $28,845.47 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000106432 | XXXXX | Non QM | Yes | No | $3,364.00 | $3,407.21 | 6.925% | $4,986.09 | $4,986.09 | 6.875% | No | No | Self-Employed | US Citizen | $24,290.55 | 1 | $13,581.96 | $1,731.84 | $1,131.83 | $144.32 | 22.103% | 22.103% | 22.103% | 11/21/2025 | 751 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 2yr P&L w/o Bank Statements | 0 | 0 | 0 | No | XXXXX | $3,364.00 | 6.220% | $0.00 | None | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 24.00 | No | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 0.26 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000105823 | XXXXX | Non QM | Yes | No | $2,270.00 | $3,820.83 | 7.102% | $2,128.97 | $2,128.97 | 7.000% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $6,615.19 | 1 | $1,588.44 | $915.96 | $132.37 | $76.33 | 36.791% | 36.791% | 36.791% | 12/05/2025 | 804 | Yes | No | [Borrower - |
Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | No | XXXXX | $2,270.00 | 6.220% | $0.00 | None | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | 60 | XXXXX | XXXXX | 100.000% | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 37.6 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000311 | XXXXX | Non QM | Yes | No | $1,595.00 | $0.00 | 6.330% | $5,801.99 | $5,801.99 | 6.375% | No | No | Self-Employed | US Citizen | $41,670.82 | 1 | $20,375.04 | $2,772.00 | $1,697.92 | $231.00 | 16.209% | 16.209% | 16.209% | 12/15/2025 | 786 | No | Yes | 12 | Business | 100.000% | 98.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 98.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 98.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 98.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 98.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 98.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 98.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 98.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 98.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $1,595.00 | 6.270% | $17,000.00 | 1.0 | None | Yes | No | 6.375% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 70.270% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 70.6 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000268 | XXXXX | Non QM | Yes | No | $13,595.00 | $20,628.41 | 6.627% | $7,584.82 | $7,584.82 | 6.500% | No | No | Self-Employed | US Citizen | $18,371.22 | 1 | $12,560.28 | $2,781.96 | $1,046.69 | $231.83 | 35.701% | 35.701% | 35.701% | 11/06/2025 | 688 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $13,595.00 | 6.230% | $0.00 | 1.0 | None | No | No | 6.500% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 16.98 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000291 | XXXXX | N/A | No | No | $1,490.28 | $1,490.28 | 7.000% | No | No | US Citizen | 1 | $3,653.76 | $1,179.36 | $304.48 | $98.28 | 0.000% | 0.000% | 0.000% | 10/14/2025 | 812 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.03 | 0.97 | XXXXX | XXXXX | 24.610% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 27.91 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000301 | XXXXX | N/A | No | No | $1,463.67 | $1,463.67 | 7.000% | No | No | US Citizen | 1 | $4,781.28 | $969.96 | $398.44 | $80.83 | 0.000% | 0.000% | 0.000% | 11/03/2025 | 759 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | Yes | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.27 | 0.79 | XXXXX | XXXXX | 4.730% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 21.93 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000277 | XXXXX | Non QM | Yes | No | $1,950.00 | $20,521.70 | 6.547% | $13,778.22 | $13,778.22 | 6.500% | No | No | Non-Employment Income | US Citizen | $35,499.96 | 1 | $35,983.80 | $11,013.00 | $2,998.65 | $917.75 | 45.840% | 45.840% | 45.840% | 11/06/2025 | 792 | Yes | No | [Borrower - |
Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | No | XXXXX | $1,950.00 | 6.220% | $0.00 | 1.0 | None | Yes | No | 6.500% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | XXXXX | XXXXX | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 317.23 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000109040 | XXXXX | Non QM | Yes | No | $1,640.00 | $16,608.51 | 6.291% | $12,314.34 | $12,314.34 | 6.250% | No | No | Self-Employed | US Citizen | $39,699.92 | 1 | $56,596.56 | $3,356.04 | $4,716.38 | $279.67 | 33.682% | 33.682% | 33.682% | 11/19/2025 | 750 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 35.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements
Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 35.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 35.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 35.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 35.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 35.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 35.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.180% | $5,000.00 | 3.1 | None | Yes | No | 6.250% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 45.880% | No | Yes | Preliminary | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 26.21 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000108653 | XXXXX | N/A | No | No | $59,346.75 | $40,196.94 | 7.218% | $6,782.79 | $6,782.79 | 6.875% | No | No | Self-Employed | US Citizen | $20,228.75 | 1 | $18,437.52 | $2,418.00 | $1,536.46 | $201.50 | 27.020% | 27.020% | 27.020% | 12/02/2025 | 728 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2024 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2023 |
Alternative Documentation (A) | 2yr P&L w/o Bank Statements | 0 | 0 | 0 | No | XXXXX | $59,346.75 | 6.250% | $30,000.00 | 1.3 | None | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 27.00 | No | XXXXX | XXXXX | 37.160% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 12.16 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000108705 | XXXXX | Non QM | Yes | No | $9,425.00 | $14,828.36 | 6.677% | $4,335.99 | $4,335.99 | 6.500% | No | No | Self-Employed | Permanent Resident Alien | $9,720.10 | 1 | $12,249.96 | $3,093.96 | $1,020.83 | $257.83 | 36.614% | 36.614% | 36.614% | 01/02/2026 | 769 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2025 |
Alternative Documentation (A) | 2yr P&L w/o Bank Statements | 0 | 0 | 0 | No | XXXXX | $9,425.00 | 6.250% | $0.00 | 1.0 | None | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 24.00 | No | XXXXX | XXXXX | 12.510% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 0.97 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000106732 | XXXXX | Non QM | Yes | No | $1,640.00 | $4,261.10 | 6.728% | $1,914.53 | $1,914.53 | 6.625% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $5,046.13 | 1 | $10,365.36 | $5,646.96 | $863.78 | $470.58 | 0.000% | 0.000% | 0.000% | 10/28/2025 | 793 | Yes | No | [Borrower - |
Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.250% | $0.00 | 2.7 | None | No | No | 6.625% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | XXXXX | XXXXX | 100.000% | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 430.29 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000106088 | XXXXX | Non QM | Yes | No | $2,758.25 | $9,222.40 | 7.521% | $10,470.74 | $10,470.74 | 7.500% | No | No | Employed | Self-Employed | US Citizen | US Citizen | $168,442.57 | 1 | $18,873.48 | $16,136.76 | $1,572.79 | $1,344.73 | 8.180% | 8.180% | 8.180% | 11/24/2025 | 764 | No | Yes | 12 | Business | 95.000% | 100.000% | [Borrower - |
Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Borrower]; 1084 or income worksheet - Year Not Available [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $2,758.25 | 6.220% | $0.00 | 1.0 | None | Yes | No | 7.500% | 2 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 51.460% | No | 24 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 54.65 | No | $174,668.45 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000108922 | XXXXX | Non QM | Yes | No | $2,715.00 | $5,132.49 | 6.410% | $4,554.25 | $4,554.25 | 6.375% | No | No | Self-Employed | US Citizen | $10,327.09 | 1 | $10,047.72 | $2,414.04 | $837.31 | $201.17 | 45.860% | 45.860% | 45.860% | 12/16/2025 | 788 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 |
Alternative Documentation (A) | 2yr P&L w/o Bank Statements | 0 | 0 | 0 | No | XXXXX | $2,715.00 | 6.250% | $0.00 | None | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 36.00 | No | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 5.15 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000106329 | XXXXX | Non QM | Yes | No | $0.00 | $3,234.20 | 6.625% | $6,319.87 | $6,319.87 | 6.625% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $15,666.23 | 1 | $17,027.52 | $6,188.52 | $1,418.96 | $515.71 | 37.512% | 37.512% | 37.512% | 12/10/2025 | 800 | Yes | No | [Borrower - |
Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | No | XXXXX | 6.180% | $0.00 | 3.7 | None | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 25.39 | No | $3,147.20 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000109240 | XXXXX | Non QM | Yes | No | $4,758.00 | $6,882.87 | 7.712% | $1,326.10 | $1,326.10 | 7.375% | No | No | Employed | US Citizen | $3,602.20 | 1 | $1,007.28 | $765.96 | $83.94 | $63.83 | 40.720% | 40.720% | 40.720% | 01/07/2026 | 812 | No | No | [Borrower - |
Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Other - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $4,758.00 | 6.180% | $1,000.00 | 2.6 | None | No | No | 7.375% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | 87.880% | No | 36 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 67.12 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000109939 | XXXXX | Non QM | Yes | No | $5,690.00 | $10,557.61 | 6.903% | $2,177.06 | $2,177.06 | 6.625% | No | No | Self-Employed | US Citizen | $12,476.99 | 1 | $12,375.00 | $2,149.92 | $1,031.25 | $179.16 | 25.544% | 25.544% | 25.544% | 11/12/2025 | 789 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 |
Alternative Documentation (A) | 2yr P&L w/o Bank Statements | 0 | 0 | 0 | No | XXXXX | $5,690.00 | 6.180% | $0.00 | 1.0 | None | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 24.00 | No | XXXXX | XXXXX | 72.630% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 15.38 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000106398 | XXXXX | Non QM | Yes | No | $1,640.00 | $4,041.55 | 6.266% | $5,319.80 | $5,319.80 | 6.250% | No | No | Employed | Employed | US Citizen | US Citizen | $7,769.59 | 1 | $14,277.60 | $757.20 | $1,189.80 | $63.10 | 46.109% | 46.109% | 46.109% | 01/06/2026 | 800 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.270% | $110,000.00 | 1.0 | None | No | No | 6.250% | 2 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 21.440% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 16.36 | Yes | No | $0.00 | $5,727.84 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000293 | XXXXX | Non QM | Yes | No | $1,595.00 | $9,712.16 | 6.786% | $10,617.32 | $10,617.32 | 6.750% | No | No | Self-Employed | US Citizen | $118,228.79 | 1 | $25,577.64 | $2,811.72 | $2,131.47 | $234.31 | 10.136% | 10.136% | 10.136% | 12/09/2025 | 717 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 65.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 24]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 65.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 65.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 65.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 65.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $1,595.00 | 6.250% | $5,000.00 | 1.0 | None | No | No | 6.750% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | XXXXX | XXXXX | 25.030% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 13.72 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000105472 | XXXXX | N/A | No | No | $29,905.00 | $11,123.33 | 7.909% | $5,435.86 | $5,627.19 | 7.985% | No | No | Not Employed | Self-Employed | Permanent Resident Alien | $17,523.10 | 1 | $11,446.92 | $1,581.96 | $953.91 | $131.83 | 42.783% | 42.158% | 42.783% | 12/09/2025 | 769 | No | No | [Coborrower(s) - |
Primary Income - P&L Statement Only]; Other - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - P&L Statement Only]; P&L Statement - 2025 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | Yes | XXXXX | $29,905.00 | 6.190% | $0.00 | 1.3 | None | N/A | No | 7.985% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | Yes | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 67.35 | No | No | $30,625.70 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000109334 | XXXXX | Non QM | Yes | No | $46,750.00 | $2,947.00 | 6.744% | $11,622.88 | $11,622.88 | 6.750% | No | No | Self-Employed | US Citizen | $25,650.29 | 1 | $27,999.96 | $6,080.04 | $2,333.33 | $506.67 | 36.372% | 36.372% | 36.372% | 12/24/2025 | 758 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 |
Alternative Documentation (A) | 2yr P&L w/o Bank Statements | 0 | 0 | 0 | No | XXXXX | $46,750.00 | 6.180% | $55,000.00 | None | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 24.00 | No | XXXXX | XXXXX | 4.320% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 3.3 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000314 | XXXXX | Non QM | Yes | No | $1,950.00 | $13,229.13 | 6.535% | $11,619.94 | $11,619.94 | 6.500% | No | No | Self-Employed | US Citizen | $14,422.67 | 1 | $28,725.00 | $6,082.44 | $2,393.75 | $506.87 | 50.543% | 50.543% | 50.543% | 12/11/2025 | 771 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2016 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $1,950.00 | 6.250% | $10,000.00 | 2.6 | None | No | No | 6.500% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 39.890% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 30.59 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000109126 | XXXXX | Non QM | Yes | No | $1,640.00 | $5,757.08 | 6.152% | $6,088.26 | $6,088.26 | 6.125% | No | No | Employed | US Citizen | $32,396.13 | 1 | $7,265.52 | $3,280.56 | $605.46 | $273.38 | 32.037% | 32.037% | 32.037% | 10/20/2025 | 818 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 [Borrower - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Tax Return Extension - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | Yes | XXXXX | $1,640.00 | 6.180% | $0.00 | 2.6 | None | No | No | 6.125% | 2 | 2 | 0 | 3 | 2 | 0.00 | No | XXXXX | XXXXX | 58.300% | No | 22 | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 60.67 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000109990 | XXXXX | N/A | No | No | $2,872.00 | $5,791.56 | 8.043% | $900.86 | $900.86 | 7.599% | No | No | Self-Employed | US Citizen | $12,264.60 | 1 | $3,039.24 | $771.96 | $253.27 | $64.33 | 29.103% | 29.103% | 29.103% | 12/12/2025 | 772 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $2,872.00 | 6.180% | $34,000.00 | 1.0 | None | Yes | No | 7.599% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 0.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 11.33 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000105810 | XXXXX | Exempt from ATR | N/A | Yes | No | No | $14,063.63 | $9,522.63 | 7.158% | $3,358.11 | $3,358.11 | 7.000% | No | No | Not Employed | Self-Employed | US Citizen | $37,687.21 | 1 | $1,475.52 | $1,362.96 | $122.96 | $113.58 | 39.011% | 39.011% | 39.011% | 10/16/2025 | 747 | No | Yes | 12 | Business | 100.000% | 100.000% | [Coborrower(s) - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements
Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; 4506-C (for Business) - 2024 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; 4506-C (for Business) - 2023 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2023 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; 4506-C (for Business) - 2022 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $14,063.63 | 6.170% | $0.00 | 1.0 | None | Yes | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 100.000% | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 147.12 | No | No | $61,793.00 | $0.00 | No | No | No | No | 4 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000107007 | XXXXX | Non QM | Yes | No | $1,640.00 | $3,341.52 | 6.560% | $2,275.44 | $2,275.44 | 6.500% | No | No | Not Employed | Employed | US Citizen | US Citizen | $14,164.23 | 1 | $4,603.92 | $1,107.96 | $383.66 | $92.33 | 40.367% | 40.367% | 40.367% | 12/17/2025 | 782 | No | No | [Coborrower(s) - |
Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; Employer Letter - 2025 [Coborrower(s) - | Primary Income - Wages]; Other - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.270% | $0.00 | 3.8 | None | No | No | 6.500% | 0 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | 57.650% | No | 35 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 52.36 | No | No | $0.00 | $23,752.25 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000107993 | XXXXX | N/A | No | No | $23,074.38 | $12,830.59 | 7.758% | $3,015.36 | $3,015.36 | 7.500% | No | No | Employed | US Citizen | $22,054.26 | 1 | $5,174.88 | $1,833.96 | $431.24 | $152.83 | 21.235% | 21.235% | 21.235% | 12/11/2025 | 803 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Other - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $23,074.38 | 6.250% | $0.00 | 1.6 | None | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | No | 24 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 54.76 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000110059 | XXXXX | Non QM | Yes | No | $11,848.50 | $15,596.51 | 7.113% | $3,986.90 | $3,986.90 | 6.875% | No | No | Employed | US Citizen | $7,752.55 | 1 | $10,837.56 | $2,309.04 | $903.13 | $192.42 | 39.716% | 39.716% | 39.716% | 11/12/2025 | 793 | No | No | [Borrower - |
Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $11,848.50 | 6.180% | $0.00 | 1.0 | None | Yes | No | 6.875% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 34.980% | No | 36 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 3.87 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000108410 | XXXXX | Non QM | Yes | No | $7,165.00 | $8,917.00 | 6.643% | $3,337.32 | $3,337.32 | 6.500% | No | No | Employed | US Citizen | $7,639.82 | 1 | $9,038.16 | $2,559.00 | $753.18 | $213.25 | 40.314% | 40.314% | 40.314% | 12/29/2025 | 813 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $7,165.00 | 6.250% | $0.00 | None | Yes | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | No | 36 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 5.03 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000108941 | XXXXX | Non QM | Yes | No | $2,215.00 | $4,093.38 | 7.946% | $4,397.50 | $5,313.67 | 8.708% | No | No | Employed | Permanent Resident Alien | $12,284.59 | 1 | $14,790.00 | $2,555.40 | $1,232.50 | $212.95 | 43.759% | 43.388% | 43.759% | 12/29/2025 | 758 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $2,215.00 | 6.420% | $0.00 | 1.5 | None | N/A | No | 8.708% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | No | 35 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 2.52 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000108634 | XXXXX | Non QM | Yes | No | $2,620.00 | $2,616.28 | 6.921% | $2,956.18 | $2,956.18 | 6.875% | No | No | Employed | US Citizen | $6,126.12 | 1 | $7,550.04 | $714.96 | $629.17 | $59.58 | 39.242% | 39.242% | 39.242% | 11/13/2025 | 751 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $2,620.00 | 6.250% | $0.00 | 1.4 | None | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | No | 35 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 5.01 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000109127 | XXXXX | Non QM | Yes | No | $2,215.00 | $6,826.49 | 7.760% | $4,742.56 | $6,062.39 | 8.755% | No | No | Employed | Permanent Resident Alien | $14,569.67 | 2 | $14,812.56 | $1,122.72 | $1,234.38 | $93.56 | 33.774% | 31.983% | 33.774% | 12/29/2025 | 810 | No | No | [Borrower - |
Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $2,215.00 | 6.390% | $0.00 | None | N/A | No | 8.755% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 17.450% | No | 27 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 3.44 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000107783 | XXXXX | N/A | No | No | $19,875.00 | $9,083.33 | 8.415% | $4,171.65 | $5,647.65 | 9.703% | No | No | Self-Employed | US Citizen | $186,816.46 | 1 | $13,749.96 | $2,405.04 | $1,145.83 | $200.42 | 13.831% | 13.521% | 13.831% | 12/02/2025 | 714 | No | Yes | 12 | Business | 100.000% | 49.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $19,875.00 | 6.420% | $500.00 | 1.0 | None | N/A | No | 9.703% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 59.740% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 29.03 | No | No | $0.00 | $0.00 | No | No | No | No | 8 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000108755 | XXXXX | Non QM | Yes | No | $23,424.03 | $3,865.85 | 6.774% | $5,343.93 | $5,343.93 | 6.750% | No | No | Self-Employed | US Citizen | $11,785.58 | 1 | $4,107.12 | $2,397.72 | $342.26 | $199.81 | 43.878% | 43.878% | 43.878% | 12/11/2025 | 744 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $23,424.03 | 6.250% | $29,900.00 | 1.8 | None | No | No | 6.750% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 5.280% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 8.75 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000106803 | XXXXX | Non QM | Yes | No | $2,126.09 | $4,165.07 | 6.940% | $3,225.52 | $3,225.52 | 6.875% | No | No | Self-Employed | Permanent Resident Alien | $6,293.59 | 1 | $7,340.16 | $1,901.04 | $611.68 | $158.42 | 46.378% | 46.378% | 46.378% | 01/13/2026 | 729 | No | Yes | 12 | Personal | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements
Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $2,126.09 | 6.160% | $0.00 | 1.0 | None | Yes | No | 6.875% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | No | 32.79 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000109473 | XXXXX | Non QM | Yes | No | $5,745.00 | $6,851.75 | 7.092% | $1,970.79 | $1,970.79 | 6.875% | No | No | Employed | US Citizen | $7,263.50 | 1 | $11,874.96 | $925.56 | $989.58 | $77.13 | 44.127% | 44.127% | 44.127% | 12/22/2025 | 790 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $5,745.00 | 6.180% | $0.00 | 1.1 | None | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | No | 24 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 81.85 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000109097 | XXXXX | Non QM | Yes | No | $1,690.00 | $4,378.46 | 7.312% | $1,413.19 | $1,413.19 | 7.125% | No | No | Self-Employed | US Citizen | $47,192.51 | 1 | $6,894.48 | $2,865.96 | $574.54 | $238.83 | 6.268% | 6.268% | 6.268% | 12/08/2025 | 772 | No | Yes | 12 | Business | 100.000% | 90.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $1,690.00 | 6.180% | $2,215.00 | 1.0 | None | Yes | No | 7.125% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 30.490% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 8.96 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000109118 | XXXXX | Safe Harbor QM (APOR) | Yes | No | $1,740.00 | $0.00 | 6.979% | $4,098.26 | $4,098.26 | 7.000% | No | No | Self-Employed | US Citizen | $16,478.16 | 1 | $9,624.96 | $1,107.96 | $802.08 | $92.33 | 23.396% | 23.396% | 23.396% | 12/16/2025 | 775 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 [Borrower - | Primary Income - P&L Statement Only]; Audited P&L - 2025 |
Alternative Documentation (A) | 1yr P&L w/o Bank Statements | 0 | 0 | 0 | No | XXXXX | $1,740.00 | 6.170% | $15,000.00 | 1.0 | None | No | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | Not Stated | XXXXX | XXXXX | 5.090% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 22.33 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000105861 | XXXXX | N/A | No | No | $24,154.65 | $5,235.22 | 7.805% | $7,115.41 | $7,115.41 | 7.750% | No | No | Self-Employed | US Citizen | $35,742.57 | 1 | $15,013.32 | $4,013.04 | $1,251.11 | $334.42 | 28.855% | 28.855% | 28.855% | 11/12/2025 | 769 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Yes | XXXXX | $24,154.65 | 6.220% | $5,000.00 | 1.0 | None | Yes | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 36.480% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 29.3 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000317 | XXXXX | N/A | No | No | $1,795.76 | $1,795.76 | 7.375% | No | No | US Citizen | 1 | $4,264.44 | $1,495.08 | $355.37 | $124.59 | 0.000% | 0.000% | 0.000% | 12/02/2025 | 663 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.2 | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.03 | 0.97 | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 152.51 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000108781 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $0.00 | $3,473.88 | 6.755% | $21,071.91 | $21,071.91 | 6.750% | No | No | Non-Employment Income | US Citizen | $47,666.63 | 1 | $31,292.52 | $10,538.04 | $2,607.71 | $878.17 | 0.000% | 0.000% | 0.000% | 11/18/2025 | 773 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | No | XXXXX | 5.720% | $0.00 | 1.3 | None | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | Other | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 947.78 | No | $0.00 | $0.00 | No | No | No | No | 1 | 180 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000109247 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $6,610.00 | $9,252.74 | 8.437% | $2,168.09 | $2,168.09 | 8.125% | No | No | Employed | Non-Permanent Resident Alien | XXX | $5,628.85 | 1 | $8,609.76 | $1,134.96 | $717.48 | $94.58 | 38.590% | 38.590% | 38.590% | 10/31/2025 | 728 | No | No | [Borrower - |
Primary Income - Wages]; Other - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $6,610.00 | 6.190% | $0.00 | 2.4 | None | Yes | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 31.940% | No | 2 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Employment Authorization | 5.96 | Yes | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000108579 | XXXXX | Non QM | Yes | No | $12,226.00 | $13,974.90 | 7.147% | $2,205.23 | $2,205.23 | 6.750% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $8,296.29 | 1 | $4,563.84 | $1,783.92 | $380.32 | $148.66 | 34.091% | 34.091% | 34.091% | 12/08/2025 | 745 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $12,226.00 | 6.270% | $0.00 | 1.0 | None | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 47.22 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000110290 | XXXXX | Non QM | Yes | No | $8,920.00 | $3,797.08 | 6.670% | $3,765.03 | $3,765.03 | 6.625% | No | No | Employed | US Citizen | $14,934.33 | 1 | $11,727.60 | $1,413.96 | $977.30 | $117.83 | 26.728% | 26.728% | 26.728% | 12/25/2025 | 792 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $8,920.00 | 6.170% | $0.00 | 1.0 | None | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | No | 35 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 1.64 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000106175 | XXXXX | Non QM | Yes | No | $8,965.00 | $13,445.96 | 8.051% | $5,057.36 | $5,057.36 | 7.875% | No | No | Self-Employed | Non-Permanent Resident Alien | XXX | $10,671.82 | 1 | $11,625.00 | $2,717.04 | $968.75 | $226.42 | 38.627% | 38.627% | 38.627% | 10/03/2025 | 732 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; Audited P&L - 2025 [Borrower - | Primary Income - P&L Statement Only]; Business License - 2025 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2025 [Borrower - | Primary Income - P&L Statement Only]; Balance Sheet - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | XXXXX | $8,965.00 | 6.290% | $0.00 | 1.0 | None | Yes | No | 7.875% | 0 | 0 | 0 | 2 | 0 | 12.00 | No | XXXXX | XXXXX | 30.590% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | VISA | 4.89 | Retail | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103908 | XXXXX | N/A | No | No | $2,719.53 | $2,719.53 | 7.375% | No | No | US Citizen | 1 | $6,562.56 | $1,043.04 | $546.88 | $86.92 | 0.000% | 0.000% | 0.000% | 09/11/2025 | 752 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.5 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.83 | 1.2 | XXXXX | XXXXX | 1.900% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 20.62 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000106579 | XXXXX | N/A | No | No | $3,088.95 | $3,088.95 | 6.750% | No | No | US Citizen | 1 | $8,062.56 | $1,392.96 | $671.88 | $116.08 | 0.000% | 0.000% | 0.000% | 11/11/2025 | 793 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.8 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.42 | 0.7 | XXXXX | XXXXX | 70.260% | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 72.94 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000111881 | XXXXX | Non QM | Yes | No | $1,690.00 | $4,381.70 | 6.529% | $7,110.77 | $7,110.77 | 6.500% | No | No | Self-Employed | US Citizen | $20,520.50 | 1 | $18,750.00 | $1,323.96 | $1,562.50 | $110.33 | 45.999% | 45.999% | 45.999% | 12/22/2025 | 809 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $1,690.00 | 6.060% | $0.00 | 1.0 | None | Yes | No | 6.500% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 12.510% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 25.3 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000108730 | XXXXX | Non QM | Yes | No | $15,056.00 | $4,317.72 | 6.937% | $3,567.12 | $3,567.12 | 6.875% | No | No | Self-Employed | US Citizen | $7,885.72 | 1 | $5,653.08 | $1,571.88 | $471.09 | $130.99 | 39.913% | 39.913% | 39.913% | 12/16/2025 | 765 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; Third Party Verification - 2026 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | Yes | XXXXX | $15,056.00 | 6.250% | $0.00 | 2.2 | None | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 7.39 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000110743 | XXXXX | N/A | No | No | $0.00 | 6.866% | $2,308.45 | $2,308.45 | 6.875% | No | No | Employed | Employed | US Citizen | US Citizen | $6,298.71 | 1 | $4,099.44 | $1,134.96 | $341.62 | $94.58 | 49.359% | 49.359% | 49.359% | 08/04/2025 | 763 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | 6.310% | $0.00 | 1.0 | DU | ApproveEligible | No | No | 6.875% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | No | 32 | 33 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 7.31 | No | No | $0.00 | $4,104.53 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000110742 | XXXXX | N/A | No | Yes | $0.00 | 7.917% | $1,624.39 | $1,624.39 | 7.625% | No | No | Not Employed | Self-Employed | US Citizen | US Citizen | $38,353.97 | 1 | $1,293.96 | $2,236.56 | $107.83 | $186.38 | 7.772% | 7.772% | 7.772% | 10/22/2025 | 769 | No | No | [Coborrower(s) - |
Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | 6.290% | $0.00 | 4.1 | LP / LPA | Accept/Eligible | No | No | 7.625% | 0 | 0 | 1 | 0 | 2 | 2 | 0.00 | No | XXXXX | XXXXX | 42.630% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 34.06 | Retail | No | No | $41,585.92 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000110739 | XXXXX | N/A | No | No | $0.00 | $0.00 | 6.971% | $1,222.92 | $1,222.92 | 6.990% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $11,741.80 | 1 | $2,251.68 | $1,164.00 | $187.64 | $97.00 | 34.794% | 34.794% | 34.794% | 10/15/2025 | 808 | No | No | [Borrower - |
Primary Income - Sole Proprietor]; Third Party Verification - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | 6.240% | $1,250.00 | 1.0 | DU | ApproveEligible | N/A | No | 6.990% | 0 | 0 | 2 | 0 | 3 | 2 | No | XXXXX | XXXXX | 47.160% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 36.3 | No | No | ($151.75) | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000110738 | XXXXX | N/A | No | Yes | $0.00 | 6.472% | $4,083.16 | $4,083.16 | 6.500% | No | No | Not Employed | Employed | US Citizen | US Citizen | $22,147.03 | 1 | $6,119.64 | $2,778.96 | $509.97 | $231.58 | 32.191% | 32.191% | 32.191% | 10/21/2025 | 777 | No | No | [Coborrower(s) - |
Primary Income - Wages]; Employer Letter - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Account Transcripts - 2024 [Borrower]; Tax Return Extension - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Account Transcripts - 2024 [Coborrower]; Tax Return Extension - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | 6.240% | $0.00 | 2.6 | LP / LPA | Accept/Eligible | No | No | 6.500% | 0 | 2 | 2 | 0 | 2 | 2 | 0.00 | No | XXXXX | XXXXX | No | 34 | Yes | Preliminary | Fee Simple | Individually and as Trustee | Individually and as Trustee | No | Individually and as Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 16.16 | Retail | No | No | $0.00 | $26,631.76 | No | No | No | No | 5 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000110737 | XXXXX | N/A | No | Yes | $0.00 | 6.869% | $1,847.61 | $1,847.61 | 6.875% | No | No | Self-Employed | US Citizen | $72,602.08 | 1 | $6,903.12 | $753.96 | $575.26 | $62.83 | 21.997% | 21.997% | 21.997% | 10/22/2025 | 751 | No | No | [Borrower - |
Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2022 [Borrower - | Non-Primary Income - K-1 (< 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - K-1 (< 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - K-1 (< 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - K-1 (< 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - K-1 (< 25%)]; K-1 - 2024 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Tax Return Extension - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | 6.240% | $0.00 | 1.0 | LP / LPA | Accept/Eligible | No | No | 6.875% | 0 | 2 | 0 | 3 | 0 | No | XXXXX | XXXXX | No | Yes | Short Form | Fee Simple | Individual | Individual | No | Individual | No | No | Beacon 5.0 | FICO Risk Score Classic 04 | 1253.5 | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000110736 | XXXXX | N/A | No | No | $0.00 | 7.447% | $1,566.24 | $1,566.24 | 7.500% | No | No | Self-Employed | US Citizen | $2,867.73 | 1 | $6,615.12 | $1,616.04 | $551.26 | $134.67 | 43.512% | 43.512% | 43.512% | 10/13/2025 | 809 | No | No | [Borrower - |
Primary Income - Sole Proprietor]; Third Party Verification - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Borrower - | Non-Primary Income - Child Support]; Divorce Decree - 2024 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | 6.240% | $0.00 | 2.7 | LP / LPA | Accept/Eligible | Yes | No | 7.500% | 0 | 1 | 0 | 3 | 1 | No | XXXXX | XXXXX | 31.820% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 9.74 | Retail | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000110735 | XXXXX | N/A | No | Yes | $0.00 | 6.869% | $3,473.51 | $3,473.51 | 6.875% | No | No | Self-Employed | US Citizen | $71,528.51 | 1 | $8,361.12 | $989.04 | $696.76 | $82.42 | 23.150% | 23.150% | 23.150% | 10/22/2025 | 751 | No | No | [Borrower - |
Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 [Borrower - | Non-Primary Income - K-1 (< 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - K-1 (< 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - K-1 (< 25%)]; K-1 - 2024 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | 6.240% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.875% | 0 | 2 | 0 | 3 | 0 | No | XXXXX | XXXXX | No | Yes | Short Form | Fee Simple | Individual | Individual | No | Individual | No | No | Beacon 5.0 | FICO Risk Score Classic 04 | 732.51 | Retail | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000110734 | XXXXX | N/A | No | Yes | $6,160.00 | $8,092.99 | 7.905% | $1,896.89 | $1,896.89 | 7.625% | No | No | Self-Employed | US Citizen | $12,088.41 | 1 | $5,296.56 | $869.28 | $441.38 | $72.44 | 21.060% | 21.060% | 21.060% | 09/24/2025 | 726 | No | No | Audited | [Borrower - |
Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Other - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | $6,160.00 | 6.310% | $0.00 | 1.0 | LP / LPA | Accept/Eligible | N/A | No | 7.625% | 0 | 2 | 0 | 2 | 2 | 8.97 | No | XXXXX | XXXXX | 15.180% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 8.19 | Retail | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000110733 | XXXXX | N/A | No | Yes | $0.00 | $0.00 | 7.216% | $491.17 | $491.17 | 7.250% | No | No | Employed | US Citizen | $5,782.75 | 1 | $1,875.96 | $1,666.20 | $156.33 | $138.85 | 44.313% | 44.313% | 44.313% | 10/06/2025 | 766 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 [Borrower - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | 6.160% | $900.00 | 1.0 | DU | ApproveEligible | Yes | No | 7.250% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | 53.110% | No | 33 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 60.94 | Retail | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000110732 | XXXXX | N/A | No | Yes | $0.00 | 6.583% | $3,355.23 | $3,355.23 | 6.625% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $38,175.26 | 2 | $3,430.32 | $4,464.96 | $285.86 | $372.08 | 23.767% | 23.767% | 23.767% | 10/24/2025 | 771 | No | No | Borrower Prepared | [Borrower - |
Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Paystubs - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2023 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Paystubs - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2023 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; Paystubs - 2025 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | 6.160% | $0.00 | LP / LPA | Accept/Eligible | No | No | 6.625% | 2 | 2 | 2 | 0 | 2 | 2 | 10.40 | No | XXXXX | XXXXX | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | 95.33 | Retail | No | No | $22,610.17 | $0.00 | No | No | No | No | 5 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000110731 | XXXXX | N/A | No | Yes | $0.00 | $0.00 | 6.613% | $1,920.93 | $1,920.93 | 6.625% | No | No | Self-Employed | US Citizen | $9,898.86 | 1 | $4,848.96 | $1,148.04 | $404.08 | $95.67 | 47.293% | 47.293% | 47.293% | 10/27/2025 | 714 | No | No | [Borrower - |
Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 Transcript - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 Transcript - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Account Transcripts - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | 6.160% | $2,500.00 | 1.0 | LP / LPA | Accept/Eligible | Yes | No | 6.625% | 2 | 1 | 0 | 2 | 1 | No | XXXXX | XXXXX | 4.340% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 10.95 | No | No | $0.00 | $0.00 | No | No | No | No | 15 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000110728 | XXXXX | N/A | No | Yes | $0.00 | 6.965% | $2,286.33 | $2,286.33 | 6.990% | No | No | Employed | US Citizen | $13,615.82 | 1 | $7,262.28 | $959.04 | $605.19 | $79.92 | 22.225% | 22.225% | 22.225% | 11/25/2025 | 802 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | 6.170% | $0.00 | 2.4 | LP / LPA | Accept/Eligible | Yes | No | 6.990% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | 52.850% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 43.21 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000110727 | XXXXX | N/A | No | Yes | $0.00 | 7.593% | $4,824.32 | $4,824.32 | 7.625% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $12,923.17 | 1 | $3,784.92 | $4,817.04 | $315.41 | $401.42 | 44.139% | 44.139% | 44.139% | 10/10/2025 | 652 | No | No | [Borrower - |
Primary Income - Sole Proprietor]; Third Party Verification - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | 6.170% | $0.00 | 2.9 | LP / LPA | Accept/Eligible | No | No | 7.625% | 0 | 0 | 1 | 0 | 3 | 1 | No | XXXXX | XXXXX | 42.120% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 27.4 | Retail | No | No | $0.00 | $19,166.66 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000110725 | XXXXX | N/A | No | Yes | $0.00 | 6.845% | $488.76 | $488.76 | 6.875% | No | No | Employed | Permanent Resident Alien | $3,974.36 | 1 | $1,886.28 | $785.04 | $157.19 | $65.42 | 25.964% | 25.964% | 25.964% | 10/14/2025 | 772 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | 6.170% | $0.00 | DU | ApproveEligible | Yes | No | 6.875% | 2 | 0 | 0 | 3 | 2 | 0.00 | No | XXXXX | XXXXX | 100.000% | No | 31 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 122.48 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000110724 | XXXXX | N/A | No | Yes | $0.00 | 6.586% | $3,163.14 | $3,163.14 | 6.625% | No | No | Employed | Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | $20,135.52 | 1 | $4,740.00 | $500.40 | $395.00 | $41.70 | 34.634% | 34.634% | 34.634% | 11/05/2025 | 779 | No | No | [Borrower - |
Primary Income - Wages]; Other - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | 6.170% | $0.00 | 1.0 | LP / LPA | Accept/Eligible | No | No | 6.625% | 1 | 1 | 0 | 0 | 3 | 1 | 0.00 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | VISA | VISA | 21.88 | Retail | No | No | $0.00 | $21,137.66 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000110723 | XXXXX | N/A | No | Yes | $0.00 | 7.981% | $4,748.02 | $4,748.02 | 7.625% | No | No | Employed | Self-Employed | US Citizen | US Citizen | $46,644.48 | 1 | $4,903.44 | $5,339.52 | $408.62 | $444.96 | 22.137% | 22.137% | 22.137% | 09/19/2025 | 734 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | 6.170% | $0.00 | 2.6 | LP / LPA | Accept/Eligible | Yes | No | 7.625% | 2 | 2 | 2 | 0 | 2 | 2 | 0.00 | No | XXXXX | XXXXX | 23.140% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 7.59 | Yes | No | $56,612.08 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000110722 | XXXXX | N/A | No | Yes | $0.00 | $0.00 | 6.590% | $4,403.74 | $4,403.74 | 6.625% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $8,425.46 | 4 | $8,603.88 | $3,198.96 | $716.99 | $266.58 | 44.685% | 44.685% | 44.685% | 11/10/2025 | 706 | No | No | [Borrower - |
Primary Income - Sole Proprietor]; Third Party Verification - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2024 [Coborrower(s) - | Primary Income - Sole Proprietor]; P&L Statement - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Coborrower(s) - | Primary Income - Sole Proprietor]; P&L Statement - 2024 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 1 | 0 | 0 | No | 6.170% | $10,000.00 | LP / LPA | Accept/Eligible | No | No | 6.625% | 0 | 0 | 1 | 0 | 3 | 1 | No | XXXXX | XXXXX | 57.840% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 55.61 | No | No | $11,172.42 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000110721 | XXXXX | N/A | No | Yes | $0.00 | $0.00 | 7.115% | $2,667.93 | $2,667.93 | 7.125% | No | No | Employed | US Citizen | $7,255.85 | 1 | $4,147.32 | $3,491.04 | $345.61 | $290.92 | 42.069% | 42.069% | 42.069% | 10/01/2025 | 716 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | 6.170% | $0.00 | 1.8 | LP / LPA | Accept/Eligible | No | No | 7.125% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | 37.140% | No | 10 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 21.85 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000110720 | XXXXX | N/A | No | Yes | $0.00 | $0.00 | 6.595% | $3,025.47 | $3,025.47 | 6.625% | No | No | Employed | Employed | US Citizen | US Citizen | $9,155.69 | 1 | $3,380.76 | $4,483.92 | $281.73 | $373.66 | 31.610% | 31.610% | 31.610% | 11/25/2025 | 802 | No | No | [Borrower - |
Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Tax Return Extension - 2024 [Borrower]; 4506-C - 2023 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Tax Return Extension - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | 6.170% | $9,420.00 | 2.6 | LP / LPA | Accept/Eligible | Yes | No | 6.625% | 0 | 0 | 1 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | 71.780% | No | 34 | 34 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 79.36 | No | No | $0.00 | $10,316.07 | No | No | No | No | 4 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000110719 | XXXXX | N/A | No | Yes | $0.00 | 6.498% | $1,763.63 | $1,763.63 | 6.500% | No | No | Employed | Employed | US Citizen | US Citizen | $13,598.10 | 1 | $1,751.88 | $345.84 | $145.99 | $28.82 | 38.833% | 38.833% | 38.833% | 09/23/2025 | 737 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | 6.160% | $0.00 | 1.0 | DU | ApproveEligible | No | No | 6.500% | 1 | 2 | 1 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 81.2 | Broker | No | No | $0.00 | $12,018.26 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000110717 | XXXXX | N/A | No | Yes | $0.00 | 6.461% | $2,361.48 | $2,361.48 | 6.490% | No | No | Employed | Employed | US Citizen | US Citizen | $9,264.37 | 1 | $6,310.80 | $1,245.00 | $525.90 | $103.75 | 29.114% | 29.114% | 29.114% | 11/07/2025 | 808 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | 6.170% | $0.00 | 1.0 | LP / LPA | Accept/Eligible | Yes | No | 6.490% | 0 | 2 | 1 | 0 | 2 | 2 | 0.00 | No | XXXXX | XXXXX | No | 4 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 34.57 | Retail | No | No | $0.00 | $6,734.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000110714 | XXXXX | N/A | No | No | $0.00 | 6.971% | $798.36 | $798.36 | 7.000% | No | No | Employed | US Citizen | $8,129.89 | 1 | $1,890.00 | $615.24 | $157.50 | $51.27 | 35.033% | 35.033% | 35.033% | 11/14/2025 | 794 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2025 [Borrower - | Non-Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Non-Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2024 [Borrower - | Non-Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | 6.260% | $0.00 | 1.0 | LP / LPA | Accept/Eligible | Yes | No | 7.000% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | 39.990% | No | 34 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 14.85 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000110713 | XXXXX | N/A | No | Yes | $2,490.00 | $3,774.82 | 7.403% | $794.99 | $794.99 | 7.125% | No | No | Employed | US Citizen | $5,915.74 | 1 | $1,523.88 | $1,622.28 | $126.99 | $135.19 | 38.271% | 38.271% | 38.271% | 11/08/2025 | 813 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | $2,490.00 | 6.260% | $1,800.00 | 1.0 | DU | ApproveEligible | No | No | 7.125% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | 33.220% | No | 33 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 9.05 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000110710 | XXXXX | N/A | No | No | $1,640.00 | $2,877.16 | 6.523% | $5,019.71 | $5,019.71 | 6.490% | No | No | Employed | Non-Employment Income | US Citizen | US Citizen | $8,090.70 | 1 | $3,772.08 | $965.04 | $314.34 | $80.42 | 44.866% | 44.866% | 44.866% | 11/13/2025 | 807 | No | No | [Borrower - |
Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | $1,640.00 | 6.260% | $0.00 | 1.3 | LP / LPA | Accept/Eligible | No | No | 6.490% | 0 | 0 | 1 | 0 | 2 | 1 | 0.00 | No | XXXXX | XXXXX | No | 20 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | 23.64 | Retail | No | No | $3,674.70 | $0.00 | No | No | No | No | 6 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000110707 | XXXXX | N/A | No | Yes | $0.00 | $0.00 | 7.094% | $1,010.58 | $1,010.58 | 7.125% | No | No | Self-Employed | US Citizen | $6,217.16 | 1 | $771.12 | $2,430.96 | $64.26 | $202.58 | 30.617% | 30.617% | 30.617% | 11/11/2025 | 824 | No | No | [Borrower - |
Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | 6.230% | $2,500.00 | 2.0 | LP / LPA | Accept/Eligible | No | No | 7.125% | 1 | 1 | 0 | 3 | 1 | No | XXXXX | XXXXX | 49.080% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 44.41 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000110706 | XXXXX | N/A | No | Yes | $0.00 | 7.238% | $1,391.64 | $1,391.64 | 7.250% | No | No | Self-Employed | US Citizen | $14,380.96 | 1 | $9,576.00 | $918.00 | $798.00 | $76.50 | 37.986% | 37.986% | 37.986% | 10/15/2025 | 706 | No | No | [Borrower - |
Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Account Transcripts - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Account Transcripts - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | 6.230% | $0.00 | 1.0 | DU | ApproveEligible | No | No | 7.250% | 1 | 2 | 0 | 2 | 2 | No | XXXXX | XXXXX | 7.460% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 204.35 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000110705 | XXXXX | N/A | No | Yes | $0.00 | $0.00 | 7.365% | $1,822.83 | $1,822.83 | 7.375% | No | No | Non-Employment Income | US Citizen | $4,106.85 | 1 | $3,659.40 | $1,574.04 | $304.95 | $131.17 | 25.169% | 25.169% | 25.169% | 11/03/2025 | 799 | No | No | [Borrower - |
Primary Income - Pension]; 1099-R - 2024 [Borrower - | Non-Primary Income - Social Security]; Account Statements - 2025 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | No | 6.230% | $0.00 | 2.3 | LP / LPA | Accept/Eligible | No | No | 7.375% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | 63.490% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | 57.77 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000110704 | XXXXX | N/A | No | Yes | $0.00 | 7.442% | $2,240.88 | $2,240.88 | 7.490% | No | No | Not Employed | Non-Employment Income | US Citizen | US Citizen | $4,243.10 | 1 | $2,103.96 | $734.04 | $175.33 | $61.17 | 48.871% | 48.871% | 48.871% | 11/17/2025 | 786 | No | No | [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 | [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | No | 6.230% | $0.00 | 1.1 | LP / LPA | Accept/Eligible | No | No | 7.490% | 0 | 0 | 1 | 0 | 2 | 1 | 0.00 | No | XXXXX | XXXXX | 58.310% | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | 88.83 | No | No | $3,112.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000110702 | XXXXX | N/A | No | Yes | $0.00 | $0.00 | 7.250% | $2,701.42 | $2,701.42 | 7.250% | No | No | Employed | US Citizen | $8,490.19 | 1 | $1,901.64 | $1,235.04 | $158.47 | $102.92 | 47.792% | 47.792% | 47.792% | 11/13/2025 | 694 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Borrower - | Non-Primary Income - Wages]; Other - 2025 [Borrower - | Non-Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Non-Primary Income - Wages]; The Work Number - Income - 2025 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | 6.270% | $10,166.87 | 1.0 | LP / LPA | Accept/Eligible | N/A | No | 7.250% | 2 | 1 | 0 | 3 | 2 | 0.00 | No | XXXXX | XXXXX | 44.730% | No | 13 | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 40.9 | Retail | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000110700 | XXXXX | N/A | Yes | No | Yes | $0.00 | 6.493% | $1,570.95 | $1,570.95 | 6.490% | No | No | Self-Employed | US Citizen | $8,666.09 | 1 | $3,120.48 | $1,236.00 | $260.04 | $103.00 | 44.334% | 44.334% | 44.334% | 09/23/2025 | 794 | No | No | Third Party Prepared (Unaudited) | [Borrower - |
Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | 6.230% | $0.00 | 1.0 | LP / LPA | Accept/Eligible | Yes | No | 6.490% | 0 | 2 | 0 | 3 | 2 | 10.00 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 52.05 | Retail | No | No | $0.00 | $0.00 | No | No | No | No | 7 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000110699 | XXXXX | N/A | No | Yes | $0.00 | $0.00 | 6.590% | $2,545.88 | $2,545.88 | 6.625% | No | No | Self-Employed | US Citizen | $10,129.72 | 1 | $8,685.60 | $2,331.96 | $723.80 | $194.33 | 42.321% | 42.321% | 42.321% | 11/17/2025 | 821 | No | No | [Borrower - |
Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | 6.230% | $10,000.00 | 1.2 | LP / LPA | Accept/Eligible | Yes | No | 6.625% | 0 | 1 | 0 | 2 | 1 | No | XXXXX | XXXXX | 40.450% | No | Yes | Short Form | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 35.4 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000110698 | XXXXX | N/A | No | Yes | $0.00 | 7.354% | $1,961.52 | $1,961.52 | 7.375% | No | No | Employed | US Citizen | $4,952.48 | 1 | $5,111.40 | $1,025.04 | $425.95 | $85.42 | 38.151% | 38.151% | 38.151% | 09/25/2025 | 784 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Non-Primary Income - Housing Allowance]; Paystubs - 2025 [Borrower - | Non-Primary Income - Housing Allowance]; Paystubs - 2024 [Borrower - | Non-Primary Income - Housing Allowance]; Paystubs - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | 6.190% | $0.00 | 2.5 | LP / LPA | Accept/Eligible | Yes | No | 7.375% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 32.260% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 7.41 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000110697 | XXXXX | N/A | No | Yes | $0.00 | 7.582% | $2,078.08 | $2,078.08 | 7.625% | No | No | Employed | US Citizen | $32,284.00 | 1 | $8,754.36 | $5,350.56 | $729.53 | $445.88 | 47.505% | 47.505% | 47.505% | 09/11/2025 | 734 | No | No | [Borrower - |
Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | 6.230% | $0.00 | 1.0 | LP / LPA | Accept/Eligible | Yes | No | 7.625% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | 100.000% | No | 34 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | 171.12 | Retail | No | No | $0.00 | $0.00 | No | No | No | No | 5 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000110696 | XXXXX | N/A | No | Yes | $0.00 | 6.858% | $1,576.63 | $1,576.63 | 6.875% | No | No | Employed | US Citizen | $17,369.15 | 1 | $8,145.00 | $2,616.96 | $678.75 | $218.08 | 26.354% | 26.354% | 26.354% | 10/31/2025 | 754 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 [Borrower - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | 6.230% | $0.00 | 1.2 | LP / LPA | Accept/Eligible | No | No | 6.875% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | 50.330% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 31.65 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000110695 | XXXXX | N/A | No | Yes | $0.00 | $0.00 | 6.621% | $1,152.56 | $1,152.56 | 6.625% | No | No | Employed | Employed | US Citizen | US Citizen | $11,331.79 | 1 | $3,437.16 | $2,664.00 | $286.43 | $222.00 | 42.223% | 42.223% | 42.223% | 11/20/2025 | 769 | No | No | [Borrower - |
Primary Income - Wages]; Employer Letter - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | 6.230% | $2,500.00 | 1.0 | LP / LPA | Accept/Eligible | Yes | No | 6.625% | 2 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individually and as Trustee | Individually and as Trustee | No | Individually and as Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 737.68 | No | No | $0.00 | $5,208.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000110694 | XXXXX | N/A | No | Yes | $0.00 | 6.620% | $3,361.63 | $3,361.63 | 6.625% | No | No | Employed | US Citizen | $9,339.74 | 3 | $7,836.84 | $3,027.00 | $653.07 | $252.25 | 32.624% | 32.624% | 32.624% | 10/16/2025 | 799 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | 6.260% | $0.00 | LP / LPA | Accept/Eligible | No | No | 6.625% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | 100.000% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 124.49 | Retail | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000110693 | XXXXX | N/A | No | Yes | $0.00 | 7.462% | $666.83 | $666.83 | 7.250% | No | No | Employed | Employed | Permanent Resident Alien | Permanent Resident Alien | $6,688.35 | 1 | $1,393.80 | $1,023.60 | $116.15 | $85.30 | 40.968% | 40.968% | 40.968% | 11/19/2025 | 760 | No | No | [Borrower - |
Primary Income - Wages]; Employer Letter - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; Account Transcripts - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; Account Transcripts - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; Transcripts (1040) - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | 6.260% | $0.00 | 1.0 | LP / LPA | Accept/Eligible | Yes | No | 7.250% | 0 | 2 | 2 | 0 | 3 | 3 | 0.00 | No | XXXXX | XXXXX | 33.910% | No | 7 | 34 | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | Resident Alien Card | 14 | No | No | $0.00 | $3,339.40 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000110692 | XXXXX | N/A | No | Yes | $2,555.00 | $3,615.56 | 7.116% | $893.42 | $893.42 | 6.875% | No | No | Employed | Employed | US Citizen | US Citizen | $12,506.63 | 1 | $2,888.16 | $915.96 | $240.68 | $76.33 | 30.435% | 30.435% | 30.435% | 11/21/2025 | 773 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | $2,555.00 | 6.260% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.875% | 1 | 1 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | 32.520% | No | 35 | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 8.03 | No | No | $0.00 | $9,090.38 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000110691 | XXXXX | N/A | No | No | $0.00 | $0.00 | 7.590% | $3,444.97 | $3,444.97 | 7.625% | No | No | Employed | Employed | US Citizen | US Citizen | $44,424.98 | 1 | $4,632.48 | $489.00 | $386.04 | $40.75 | 22.058% | 22.058% | 22.058% | 10/30/2025 | 782 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | 6.260% | $10,951.20 | 1.0 | LP / LPA | Accept/Eligible | No | No | 7.625% | 1 | 1 | 0 | 0 | 1 | 0 | 0.00 | No | XXXXX | XXXXX | 31.010% | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 14.66 | No | No | $0.00 | $45,136.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000110690 | XXXXX | N/A | No | Yes | $0.00 | 6.600% | $3,017.15 | $3,017.15 | 6.625% | No | No | Employed | Employed | Permanent Resident Alien | Permanent Resident Alien | $7,766.02 | 1 | $6,728.76 | $1,353.00 | $560.73 | $112.75 | 44.415% | 44.415% | 44.415% | 11/24/2025 | 780 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | 6.260% | $0.00 | 3.8 | LP / LPA | Accept/Eligible | Yes | No | 6.625% | 1 | 1 | 1 | 0 | 2 | 1 | 0.00 | No | XXXXX | XXXXX | 40.110% | No | 34 | 35 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | Resident Alien Card | 60.64 | No | No | $0.00 | $5,224.93 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000110689 | XXXXX | N/A | No | Yes | $0.00 | $0.00 | 7.597% | $2,759.86 | $2,759.86 | 7.625% | No | No | Employed | US Citizen | $7,859.69 | 3 | $5,621.64 | $4,949.04 | $468.47 | $412.42 | 40.742% | 40.742% | 40.742% | 10/30/2025 | 658 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | 6.260% | $10,398.00 | LP / LPA | Accept/Eligible | N/A | No | 7.625% | 2 | 1 | 0 | 2 | 1 | 0.00 | No | XXXXX | XXXXX | 32.440% | No | 27 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | 8.77 | Retail | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000110687 | XXXXX | N/A | No | Yes | $0.00 | 6.980% | $3,216.81 | $3,216.81 | 6.990% | No | No | Employed | Employed | US Citizen | US Citizen | $16,131.33 | 1 | $3,607.32 | $1,890.96 | $300.61 | $157.58 | 33.869% | 33.869% | 33.869% | 09/19/2025 | 801 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | Yes | 6.320% | $0.00 | 2.8 | DU | ApproveEligible | No | No | 6.990% | 2 | 1 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | No | Yes | Short Form | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 253.79 | No | No | $0.00 | $6,207.46 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000110686 | XXXXX | N/A | Yes | No | Yes | $0.00 | 7.450% | $2,083.10 | $2,083.10 | 7.500% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $6,545.60 | 1 | $4,906.20 | $2,569.92 | $408.85 | $214.16 | 32.576% | 32.576% | 32.576% | 11/25/2025 | 742 | No | No | [Borrower - |
Primary Income - Social Security]; Account Statements - 2025 [Borrower - | Non-Primary Income - Pension]; Account Statements - 2025 [Coborrower(s) - | Primary Income - Social Security]; Account Statements - 2025 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Coborrower]; 1040 - 2024 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | No | 6.260% | $0.00 | 2.5 | LP / LPA | Accept/Eligible | No | No | 7.500% | 0 | 0 | 1 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 96.280% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 101.17 | Retail | No | No | $2,800.13 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000110685 | XXXXX | N/A | No | Yes | $0.00 | 6.985% | $3,467.89 | $3,467.89 | 7.000% | No | No | Employed | US Citizen | $7,553.47 | 3 | $10,647.36 | $2,075.04 | $887.28 | $172.92 | 49.955% | 49.955% | 49.955% | 11/14/2025 | 769 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 [Borrower - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | 6.260% | $0.00 | DU | ApproveEligible | No | No | 7.000% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 42.950% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 24.71 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000110683 | XXXXX | N/A | No | Yes | $0.00 | 6.365% | $4,969.12 | $4,969.12 | 6.375% | No | No | Employed | US Citizen | $9,583.47 | 2 | $8,933.04 | $12,668.88 | $744.42 | $1,055.74 | 44.510% | 44.510% | 44.510% | 11/25/2025 | 746 | No | No | [Borrower - |
Primary Income - Wages]; Other - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Non-Primary Income - K-1 (< 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Sole Proprietor]; Other - 2025 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | Yes | 6.260% | $0.00 | LP / LPA | Accept/Eligible | No | No | 6.375% | 0 | 1 | 0 | 2 | 1 | 0.00 | No | XXXXX | XXXXX | No | 27 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 21.86 | Retail | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000110681 | XXXXX | N/A | No | Yes | $0.00 | 6.611% | $1,293.43 | $1,293.43 | 6.625% | No | No | Employed | US Citizen | $6,501.52 | 1 | $6,108.24 | $2,561.40 | $509.02 | $213.45 | 46.194% | 46.194% | 46.194% | 11/26/2025 | 800 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | 6.190% | $0.00 | 1.0 | LP / LPA | Accept/Eligible | Yes | No | 6.625% | 2 | 1 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 21.99 | Retail | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000110679 | XXXXX | N/A | No | Yes | $0.00 | 6.958% | $505.12 | $505.12 | 6.990% | No | No | Employed | US Citizen | $4,569.46 | 1 | $1,334.76 | $1,314.48 | $111.23 | $109.54 | 35.852% | 35.852% | 35.852% | 11/11/2025 | 803 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | 6.190% | $0.00 | 2.0 | LP / LPA | Accept/Eligible | No | No | 6.990% | 1 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | 39.150% | No | 35 | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 12.87 | Retail | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000110678 | XXXXX | N/A | No | Yes | $0.00 | $0.00 | 7.096% | $4,096.21 | $4,096.21 | 7.125% | No | No | Employed | US Citizen | $31,693.88 | 1 | $2,340.48 | $1,845.96 | $195.04 | $153.83 | 19.087% | 19.087% | 19.087% | 12/08/2025 | 683 | No | No | [Borrower - |
Primary Income - K-1 (< 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - K-1 (< 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - K-1 (< 25%)]; K-1 - 2024 [Borrower - | Primary Income - K-1 (< 25%)]; K-1 - 2023 [Borrower - | Non-Primary Income - K-1 (< 25%)]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - K-1 (< 25%)]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - K-1 (< 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - K-1 (< 25%)]; K-1 - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | 6.190% | $7,500.00 | 1.9 | LP / LPA | Accept/Eligible | No | No | 7.125% | 0 | 2 | 0 | 2 | 2 | No | XXXXX | XXXXX | 24.420% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | 6.97 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000110677 | XXXXX | N/A | No | Yes | $0.00 | 6.621% | $2,521.22 | $2,521.22 | 6.625% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $40,487.68 | 1 | $6,225.24 | $4,399.32 | $518.77 | $366.61 | 30.480% | 30.480% | 30.480% | 12/02/2025 | 755 | No | No | [Borrower - |
Primary Income - S-Corp (>= 25%)]; Business License - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Paystubs - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 Transcript - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 Transcript - 2023 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | 6.190% | $0.00 | 1.8 | LP / LPA | Accept/Eligible | Yes | No | 6.625% | 2 | 2 | 2 | 0 | 2 | 2 | No | XXXXX | XXXXX | 36.540% | No | 35 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 13.05 | No | No | $0.00 | $16,666.00 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000110676 | XXXXX | N/A | No | No | $0.00 | 6.988% | $451.95 | $451.95 | 6.990% | No | No | Self-Employed | US Citizen | $4,263.48 | 1 | $888.96 | $1,092.00 | $74.08 | $91.00 | 25.574% | 25.574% | 25.574% | 12/04/2025 | 719 | No | No | [Borrower - |
Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; Business Account Transcripts - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; Business Account Transcripts - 2023 [Borrower - | Non-Primary Income - Wages]; Other - 2026 [Borrower - | Non-Primary Income - Wages]; VVOE - 2026 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2025 [Borrower - | Non-Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | 6.190% | $0.00 | 1.0 | DU | ApproveEligible | No | No | 6.990% | 2 | 2 | 0 | 2 | 2 | No | XXXXX | XXXXX | 12.880% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 16.25 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000110671 | XXXXX | N/A | No | Yes | $0.00 | $0.00 | 6.353% | $3,892.95 | $3,892.95 | 6.375% | No | No | Employed | US Citizen | $26,310.07 | 1 | $3,002.40 | $4,099.08 | $250.20 | $341.59 | 27.921% | 27.921% | 27.921% | 12/08/2025 | 773 | No | No | [Borrower - |
Primary Income - Wages]; Other - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | 6.220% | $12,000.00 | 4.5 | LP / LPA | Accept/Eligible | Yes | No | 6.375% | 2 | 0 | 0 | 3 | 2 | 0.00 | No | XXXXX | XXXXX | 20.220% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 36.7 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000110669 | XXXXX | N/A | No | Yes | $0.00 | 7.105% | $2,216.53 | $2,216.53 | 7.125% | No | No | Employed | Not Employed | US Citizen | US Citizen | $13,291.71 | 1 | $7,229.52 | $1,727.16 | $602.46 | $143.93 | 44.713% | 44.713% | 44.713% | 12/17/2025 | 681 | No | No | [Borrower - |
Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Borrower - | Primary Income - Wages]; Employer Letter - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 [Borrower - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | Yes | 6.220% | $0.00 | 1.7 | LP / LPA | Accept/Eligible | No | No | 7.125% | 2 | 0 | 1 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 13.14 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000110668 | XXXXX | N/A | No | No | $0.00 | $0.00 | 6.583% | $1,992.97 | $1,992.97 | 6.625% | No | No | Self-Employed | US Citizen | $5,061.01 | 2 | $6,428.40 | $1,511.04 | $535.70 | $125.92 | 40.123% | 40.123% | 40.123% | 09/19/2025 | 782 | No | No | Borrower Prepared | [Borrower - |
Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | 6.240% | $5,000.00 | DU | ApproveEligible | No | No | 6.625% | 2 | 1 | 0 | 3 | 1 | 8.97 | No | XXXXX | XXXXX | 23.780% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 22.98 | Retail | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000110664 | XXXXX | N/A | No | Yes | $0.00 | $0.00 | 8.042% | $557.13 | $557.13 | 7.375% | No | No | Employed | US Citizen | $5,166.21 | 1 | $847.80 | $1,767.72 | $70.65 | $147.31 | 29.464% | 29.464% | 29.464% | 10/22/2025 | 695 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | 6.260% | $1,898.00 | 3.1 | DU | ApproveEligible | No | No | 7.375% | 1 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | 64.660% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 53.9 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000110663 | XXXXX | N/A | No | Yes | $0.00 | $0.00 | 6.973% | $2,517.29 | $2,517.29 | 6.990% | No | No | Employed | US Citizen | $10,654.03 | 2 | $6,340.68 | $2,759.04 | $528.39 | $229.92 | 47.575% | 47.575% | 47.575% | 11/20/2025 | 702 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2025 [Borrower - | Non-Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Non-Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2024 [Borrower - | Non-Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2023 [Borrower - | Non-Primary Income - Wages]; W-2 - 2023 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2025 [Borrower - | Non-Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Non-Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2024 [Borrower - | Non-Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2023 [Borrower - | Non-Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | 6.220% | $4,000.00 | DU | ApproveEligible | N/A | No | 6.990% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 34.870% | No | 25 | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 13.32 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000110655 | XXXXX | N/A | No | Yes | $0.00 | 7.348% | $1,210.06 | $1,210.06 | 7.375% | No | No | Employed | Employed | US Citizen | US Citizen | $8,778.71 | 1 | $4,466.76 | $1,122.00 | $372.23 | $93.50 | 39.033% | 39.033% | 39.033% | 11/13/2025 | 751 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | 6.220% | $0.00 | DU | ApproveEligible | No | No | 7.375% | 2 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 37.160% | No | 35 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 18.34 | No | No | $0.00 | $8,603.00 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000110654 | XXXXX | N/A | No | Yes | $0.00 | 7.111% | $2,829.62 | $2,829.62 | 7.125% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $5,482.88 | 1 | $2,408.52 | $270.96 | $200.71 | $22.58 | 43.147% | 43.147% | 43.147% | 11/13/2025 | 676 | No | No | [Borrower - |
Primary Income - Social Security]; Award Letter / Continuance Letter -
2024 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Coborrower(s) - | Non-Primary Income - IRA Distribution]; 1099-R - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | No | 6.160% | $0.00 | 1.0 | DU | ApproveEligible | No | No | 7.125% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individually and as Trustee | Individually and as Trustee | No | Individually and as Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 523.31 | Retail | No | No | $7,250.99 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000110651 | XXXXX | N/A | No | Yes | $0.00 | 6.864% | $2,785.38 | $2,785.38 | 6.875% | No | No | Employed | Employed | US Citizen | US Citizen | $37,082.06 | 1 | $3,366.60 | $1,559.76 | $280.55 | $129.98 | 25.836% | 25.836% | 25.836% | 12/04/2025 | 769 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | Yes | 6.220% | $0.00 | 1.0 | LP / LPA | Accept/Eligible | Yes | No | 6.875% | 2 | 1 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 17.44 | No | No | $0.00 | $35,000.00 | No | No | No | No | 5 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000110649 | XXXXX | N/A | No | Yes | $0.00 | 7.113% | $1,137.24 | $1,137.24 | 7.125% | No | No | Employed | Employed | US Citizen | US Citizen | $10,878.96 | 1 | $1,312.08 | $1,836.00 | $109.34 | $153.00 | 21.518% | 21.518% | 21.518% | 10/31/2025 | 796 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | 6.170% | $0.00 | DU | ApproveEligible | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | 41.670% | No | 31 | 28 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 25.72 | Retail | No | No | $0.00 | $6,477.47 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000110648 | XXXXX | N/A | No | No | $0.00 | 6.602% | $3,625.76 | $3,625.76 | 6.625% | No | No | Employed | Employed | US Citizen | US Citizen | $18,218.97 | 1 | $3,377.28 | $3,713.04 | $281.44 | $309.42 | 42.780% | 42.780% | 42.780% | 12/16/2025 | 742 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | Yes | 6.220% | $0.00 | 1.0 | LP / LPA | Accept/Eligible | Yes | No | 6.625% | 2 | 2 | 2 | 0 | 2 | 1 | 0.00 | No | XXXXX | XXXXX | 100.000% | No | 35 | 36 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 267.27 | Retail | No | No | $0.00 | $6,839.99 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000110646 | XXXXX | N/A | No | Yes | $0.00 | $0.00 | 6.823% | $4,253.61 | $4,253.61 | 6.875% | No | No | Self-Employed | US Citizen | $27,139.17 | 1 | $10,887.72 | $1,018.92 | $907.31 | $84.91 | 49.125% | 49.125% | 49.125% | 11/10/2025 | 745 | No | No | Borrower Prepared | [Borrower - |
Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | 6.260% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.875% | 2 | 2 | 0 | 2 | 2 | 8.97 | No | XXXXX | XXXXX | 66.260% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 103.73 | Retail | No | No | $0.00 | $0.00 | No | No | No | No | 6 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000110645 | XXXXX | N/A | No | Yes | $0.00 | $0.00 | 6.858% | $1,392.69 | $1,392.69 | 6.875% | No | No | Employed | Self-Employed | US Citizen | US Citizen | $10,884.78 | 1 | $4,190.04 | $1,395.96 | $349.17 | $116.33 | 47.798% | 47.798% | 47.798% | 12/08/2025 | 765 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | 6.270% | $5,300.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.875% | 2 | 1 | 1 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 127 | No | No | $8,615.38 | $0.00 | No | No | No | No | 6 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000110644 | XXXXX | N/A | No | Yes | $0.00 | 7.490% | $2,933.83 | $2,933.83 | 7.490% | No | No | Employed | Not Employed | US Citizen | US Citizen | $12,530.64 | 1 | $2,363.16 | $1,013.04 | $196.93 | $84.42 | 38.948% | 38.948% | 38.948% | 12/08/2025 | 719 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2021 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | 6.220% | $0.00 | 1.0 | LP / LPA | Accept/Eligible | Yes | No | 7.490% | 1 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | No | 36 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 7.71 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000110641 | XXXXX | N/A | No | Yes | $0.00 | $0.00 | 6.834% | $2,300.89 | $2,300.89 | 6.875% | No | No | Employed | US Citizen | $5,730.92 | 1 | $4,067.16 | $1,395.00 | $338.93 | $116.25 | 37.660% | 37.660% | 37.660% | 11/10/2025 | 749 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | 6.260% | $9,340.00 | 2.9 | DU | ApproveEligible | Yes | No | 6.875% | 1 | 0 | 0 | 1 | 0 | 0.00 | No | XXXXX | XXXXX | 39.040% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 23.58 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000110638 | XXXXX | N/A | No | Yes | $0.00 | 6.864% | $3,021.87 | $3,021.87 | 6.875% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $16,097.40 | 1 | $5,437.56 | $1,495.20 | $453.13 | $124.60 | 32.463% | 32.463% | 32.463% | 11/14/2025 | 778 | No | No | [Borrower - |
Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | 6.250% | $0.00 | 1.0 | LP / LPA | Accept/Eligible | Yes | No | 6.875% | 1 | 2 | 2 | 0 | 2 | 2 | No | XXXXX | XXXXX | 47.830% | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 41.4 | Yes | No | $0.00 | $3,286.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000110636 | XXXXX | N/A | No | Yes | $1,690.00 | $3,167.64 | 7.532% | $4,727.57 | $4,727.57 | 7.490% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $51,363.39 | 1 | $10,434.00 | $4,280.04 | $869.50 | $356.67 | 25.636% | 25.636% | 25.636% | 12/16/2025 | 755 | No | No | [Borrower - |
Primary Income - C-Corp]; Third Party Verification - 2026 [Borrower - | Primary Income - C-Corp]; Account Statements - Business - 2025 [Borrower - | Primary Income - C-Corp]; CPA Letter - 2025 [Borrower - | Primary Income - C-Corp]; W-2 - 2024 [Borrower - | Primary Income - C-Corp]; 1120 - 2023 [Borrower - | Primary Income - C-Corp]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - C-Corp]; W-2 - 2023 [Borrower - | Primary Income - C-Corp]; 1120 - 2022 [Borrower - | Primary Income - C-Corp]; 4506-C (for Business) - 2022 [Coborrower(s) - | Primary Income - C-Corp]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - C-Corp]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - C-Corp]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - C-Corp]; W-2 - 2024 [Coborrower(s) - | Primary Income - C-Corp]; 1120 - 2023 [Coborrower(s) - | Primary Income - C-Corp]; 4506-C (for Business) - 2023 [Coborrower(s) - | Primary Income - C-Corp]; W-2 - 2023 [Coborrower(s) - | Primary Income - C-Corp]; 1120 - 2022 [Coborrower(s) - | Primary Income - C-Corp]; 4506-C (for Business) - 2022 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | $1,690.00 | 6.270% | $16,899.00 | 1.0 | LP / LPA | Accept/Eligible | Yes | No | 7.490% | 2 | 2 | 2 | 0 | 3 | 2 | No | XXXXX | XXXXX | 19.970% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 64.92 | No | No | $34,485.08 | $0.00 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000110635 | XXXXX | N/A | No | Yes | $0.00 | 6.849% | $2,956.18 | $2,956.18 | 6.875% | No | No | Not Employed | Employed | US Citizen | US Citizen | $1,877.77 | 1 | $6,637.08 | $1,416.00 | $553.09 | $118.00 | 40.741% | 40.741% | 40.741% | 11/12/2025 | 696 | No | No | [Coborrower(s) - |
Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | 6.270% | $0.00 | 2.6 | LP / LPA | Accept/Eligible | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | 32.700% | No | 2 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 6.04 | No | No | $0.00 | $3,168.75 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000110634 | XXXXX | N/A | No | Yes | $0.00 | 7.123% | $2,896.99 | $2,896.99 | 7.125% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $46,285.22 | 1 | $1,004.04 | $2,741.04 | $83.67 | $228.42 | 21.882% | 21.882% | 21.882% | 11/11/2025 | 676 | No | No | Borrower Prepared | [Borrower - |
Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Paystubs - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2022 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2022 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Paystubs - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2022 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2022 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | 6.270% | $0.00 | 3.2 | LP / LPA | Accept/Eligible | Yes | No | 7.125% | 1 | 1 | 2 | 0 | 3 | 2 | 10.60 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 19.74 | Retail | No | No | $29,677.18 | $0.00 | No | No | No | No | 4 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000110633 | XXXXX | N/A | No | Yes | $0.00 | 7.123% | $2,753.82 | $2,753.82 | 7.125% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $45,123.75 | 1 | $8,175.00 | $2,573.04 | $681.25 | $214.42 | 23.842% | 23.842% | 23.842% | 11/11/2025 | 676 | No | No | Third Party Prepared (Unaudited) | [Borrower - |
Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2022 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2022 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Other - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Paystubs - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2025 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2022 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2021 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2025 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2022 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Paystubs - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | 6.270% | $0.00 | 2.9 | LP / LPA | Accept/Eligible | No | No | 7.125% | 1 | 1 | 2 | 0 | 3 | 2 | 10.60 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 16.06 | Retail | No | No | $29,677.18 | $0.00 | No | No | No | No | 4 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000110632 | XXXXX | N/A | No | Yes | $0.00 | 7.454% | $3,347.36 | $3,347.36 | 7.490% | No | No | Employed | Employed | US Citizen | US Citizen | $7,951.56 | 1 | $3,894.36 | $1,608.00 | $324.53 | $134.00 | 46.523% | 46.523% | 46.523% | 11/19/2025 | 778 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | 6.190% | $0.00 | 2.7 | LP / LPA | Accept/Eligible | No | No | 7.490% | 2 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 29.690% | No | 35 | 34 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 11.94 | No | No | $0.00 | $8,250.90 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000110630 | XXXXX | N/A | No | Yes | $0.00 | 6.745% | $747.19 | $747.19 | 6.750% | No | No | Self-Employed | US Citizen | $7,146.27 | 1 | $2,107.08 | $261.00 | $175.59 | $21.75 | 34.283% | 34.283% | 34.283% | 12/01/2025 | 785 | No | No | [Borrower - |
Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Borrower - | Primary Income - Sole Proprietor]; Other - 2019 [Borrower - | Non-Primary Income - Social Security]; Account Statements - 2025 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Tax Return Extension - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | 6.270% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.750% | 0 | 1 | 0 | 2 | 2 | No | XXXXX | XXXXX | 51.670% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 82.72 | Retail | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000110629 | XXXXX | N/A | No | Yes | $0.00 | $0.00 | 6.576% | $2,617.27 | $2,617.27 | 6.625% | No | No | Employed | US Citizen | $7,383.62 | 1 | $1,662.12 | $2,610.72 | $138.51 | $217.56 | 41.799% | 41.799% | 41.799% | 11/14/2025 | 770 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | 6.260% | $3,000.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.625% | 0 | 1 | 0 | 1 | 1 | 0.00 | No | XXXXX | XXXXX | 100.000% | No | 35 | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 156.22 | Broker | Yes | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000110627 | XXXXX | N/A | No | No | $0.00 | 6.834% | $4,532.81 | $4,532.81 | 6.875% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $10,495.76 | 1 | $2,483.04 | $3,190.32 | $206.92 | $265.86 | 37.296% | 37.296% | 37.296% | 10/28/2025 | 726 | No | No | [Borrower - |
Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Paystubs - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Other - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Other - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2024 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Tax Return Extension - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Tax Return Extension - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | 6.230% | $0.00 | 5.0 | DU | ApproveEligible | Yes | No | 6.875% | 1 | 0 | 1 | 0 | 3 | 0 | No | XXXXX | XXXXX | 44.890% | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 23.13 | Retail | No | No | ($6.25) | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000110626 | XXXXX | N/A | No | Yes | $0.00 | $0.00 | 6.971% | $372.19 | $372.19 | 6.990% | No | No | Employed | US Citizen | $12,140.73 | 1 | $805.68 | $1,322.04 | $67.14 | $110.17 | 39.003% | 39.003% | 39.003% | 09/23/2025 | 755 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | 6.270% | $800.00 | 1.8 | DU | ApproveEligible | Yes | No | 6.990% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | 0.710% | No | 35 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 35 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000110623 | XXXXX | N/A | No | Yes | $0.00 | 7.244% | $638.52 | $638.52 | 7.250% | No | No | Employed | US Citizen | $7,236.21 | 1 | $971.40 | $1,173.96 | $80.95 | $97.83 | 42.247% | 42.247% | 42.247% | 12/04/2025 | 696 | No | No | [Borrower - |
Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2025 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | 6.250% | $0.00 | 2.0 | DU | ApproveEligible | Yes | No | 7.250% | 0 | 1 | 0 | 2 | 1 | 0.00 | No | XXXXX | XXXXX | 80.620% | No | 34 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 76.12 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000110621 | XXXXX | N/A | No | Yes | $0.00 | 6.974% | $2,980.83 | $2,980.83 | 6.999% | No | No | Employed | Employed | Permanent Resident Alien | Permanent Resident Alien | $15,420.11 | 1 | $9,108.00 | $795.96 | $759.00 | $66.33 | 39.553% | 39.553% | 39.553% | 11/21/2025 | 711 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; Other - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | 6.190% | $0.00 | 1.0 | LP / LPA | Accept/Eligible | Yes | No | 6.999% | 2 | 0 | 1 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | 37.960% | No | 1 | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | Resident Alien Card | 22.06 | No | No | $0.00 | $12,133.33 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000110620 | XXXXX | N/A | No | Yes | $0.00 | 6.611% | $2,857.07 | $2,857.07 | 6.625% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $10,562.96 | 1 | $2,305.92 | $4,150.68 | $192.16 | $345.89 | 40.539% | 40.539% | 40.539% | 11/12/2025 | 770 | No | No | [Borrower - |
Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; Transcripts (1040) - 2022 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; Transcripts (1040) - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | 6.260% | $0.00 | 3.5 | LP / LPA | Accept/Eligible | No | No | 6.625% | 2 | 2 | 2 | 0 | 2 | 3 | No | XXXXX | XXXXX | No | 35 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 39.44 | No | No | $0.00 | $11,493.08 | No | No | No | No | 4 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000110619 | XXXXX | N/A | No | Yes | $0.00 | $0.00 | 6.609% | $1,878.37 | $1,878.37 | 6.625% | No | No | Self-Employed | US Citizen | $2,164.15 | 1 | $1,730.16 | $0.00 | $144.18 | $0.00 | 41.909% | 41.909% | 41.909% | 11/26/2025 | 707 | No | No | [Borrower - |
Primary Income - Sole Proprietor]; CPA Letter - 2025 [Borrower - | Primary Income - Sole Proprietor]; Other - 2025 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | 6.260% | $7,878.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.625% | 0 | 1 | 0 | 1 | 2 | No | XXXXX | XXXXX | 0.760% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 71.37 | Retail | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000110618 | XXXXX | N/A | No | Yes | $0.00 | $0.00 | 6.602% | $2,809.36 | $2,809.36 | 6.625% | No | No | Not Employed | Non-Employment Income | Employed | 9.31 | US Citizen | US Citizen | US Citizen | $9,841.10 | 2 | $4,499.16 | $1,466.04 | $374.93 | $122.17 | 38.981% | 38.981% | 38.981% | 09/18/2025 | 799 | 806 | 803 | 809 | Level 3-Stated/Partially Verified | Level 4-Stated/Verified as defined | Level 3-Stated/Verified as defined | No | No | [Coborrower(s) - |
Primary Income - Pension]; Account Statements - 2025 [Coborrower(s) - | Primary Income - Pension]; Account Statements - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | 6.230% | $7,100.00 | LP / LPA | Accept/Eligible | N/A | No | 6.625% | 0 | 0 | 1 | 0 | 3 | 1 | 0.00 | No | XXXXX | XXXXX | 100.000% | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 935.71 | Broker | No | No | $5,775.00 | $10,353.00 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000110617 | XXXXX | N/A | No | Yes | $0.00 | $0.00 | 6.598% | $3,644.01 | $3,644.01 | 6.625% | No | No | Employed | Self-Employed | US Citizen | US Citizen | $20,717.97 | 4 | $9,999.96 | $2,973.60 | $833.33 | $247.80 | 33.624% | 33.624% | 33.624% | 11/17/2025 | 796 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; W-2 Transcript - 2024 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; W-2 Transcript - 2023 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Other - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | 6.190% | $0.00 | DU | ApproveEligible | No | No | 6.625% | 1 | 2 | 2 | 0 | 3 | 2 | 0.00 | No | XXXXX | XXXXX | 51.810% | No | Yes | Preliminary | Fee Simple | Individually and as Trustee | Individually and as Trustee | No | Individually and as Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 38.22 | Retail | No | No | $20,550.78 | $0.00 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000110616 | XXXXX | N/A | No | Yes | $0.00 | $0.00 | 6.965% | $2,582.09 | $2,582.09 | 6.990% | No | No | Employed | US Citizen | $9,414.07 | 1 | $6,474.96 | $3,104.52 | $539.58 | $258.71 | 45.240% | 45.240% | 45.240% | 12/10/2025 | 787 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 [Borrower - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | 6.220% | $2,572.00 | 1.8 | DU | ApproveEligible | Yes | No | 6.990% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | 93.940% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 124.86 | Retail | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000110615 | XXXXX | N/A | No | Yes | $0.00 | 6.600% | $2,785.35 | $2,785.35 | 6.625% | No | No | Employed | Employed | US Citizen | US Citizen | $7,733.85 | 1 | $16,714.80 | $3,336.12 | $1,392.90 | $278.01 | 49.483% | 49.483% | 49.483% | 11/21/2025 | 720 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Leave and Earnings Statement (LES) - 2025 [Coborrower(s) - | Primary Income - Wages]; Military VOE - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Non-Primary Income - Housing Allowance]; Leave and Earnings Statement (LES) - 2025 [Coborrower(s) - | Non-Primary Income - Rations]; Leave and Earnings Statement (LES) - 2025 [Coborrower(s) - | Non-Primary Income - Other]; Other - 2025 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Account Transcripts - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Account Transcripts - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Account Transcripts - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Account Transcripts - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | 6.220% | $0.00 | 3.5 | DU | ApproveEligible | No | No | 6.625% | 1 | 2 | 2 | 0 | 2 | 2 | 0.00 | No | XXXXX | XXXXX | 59.910% | No | 1 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 43.65 | No | No | $4,344.77 | $5,951.10 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000110729 | XXXXX | Higher Priced QM (APOR) | Yes | Yes | $5,888.00 | $7,633.73 | 8.050% | $2,700.94 | $2,700.94 | 7.625% | No | No | Employed | Employed | US Citizen | US Citizen | $13,491.74 | 1 | $3,626.52 | $1,951.32 | $302.21 | $162.61 | 45.036% | 45.036% | 45.036% | 10/27/2025 | 730 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025 [Coborrower(s) - | Primary Income - Wages]; Employer Letter - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | $5,888.00 | 6.160% | $0.00 | 2.9 | DU | ApproveEligible | No | No | 7.625% | 0 | 1 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 54.540% | No | 24 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 51.21 | Retail | No | No | $0.00 | $11,341.20 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000110726 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $1,395.00 | $4,218.40 | 7.061% | $2,174.67 | $2,174.67 | 6.990% | No | No | Employed | US Citizen | $10,138.93 | 1 | $1,210.56 | $1,353.00 | $100.88 | $112.75 | 39.166% | 39.166% | 39.166% | 11/03/2025 | 757 | No | No | [Borrower - |
Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | $1,395.00 | 6.170% | $2,150.00 | LP / LPA | Yes | Accept/Eligible | Yes | No | 6.990% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 39.400% | No | 35 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 33.1 | Retail | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000110712 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $2,558.75 | $4,734.35 | 6.720% | $2,353.14 | $2,353.14 | 6.625% | No | No | Employed | Non-Employment Income | US Citizen | US Citizen | $4,914.12 | 1 | $445.92 | $2,600.64 | $37.16 | $216.72 | 45.643% | 45.643% | 45.643% | 11/21/2025 | 794 | No | No | [Borrower - |
Primary Income - Wages]; Other - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | Yes | $2,558.75 | 6.220% | $0.00 | 2.5 | LP / LPA | Accept/Eligible | No | No | 6.625% | 1 | 0 | 1 | 0 | 2 | 1 | 0.00 | No | Not Stated | XXXXX | XXXXX | 100.000% | No | 35 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 127.01 | Retail | No | No | $1,239.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000110711 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $1,780.00 | $4,989.58 | 6.527% | $3,972.83 | $3,972.83 | 6.490% | No | No | Employed | US Citizen | $16,446.95 | 1 | $16,534.20 | $6,224.16 | $1,377.85 | $518.68 | 35.434% | 35.434% | 35.434% | 11/07/2025 | 784 | No | No | [Borrower - |
Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | $1,780.00 | 6.260% | $6,500.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.490% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 95.550% | No | 34 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 97.49 | Retail | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000110709 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $6,465.25 | $2,644.13 | 6.970% | $4,220.43 | $4,220.43 | 6.750% | No | No | Not Employed | Employed | US Citizen | US Citizen | $21,570.13 | 1 | $7,179.72 | $2,843.16 | $598.31 | $236.93 | 33.359% | 33.359% | 33.359% | 11/14/2025 | 773 | No | No | [Coborrower(s) - |
Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | $6,465.25 | 6.220% | $16,500.00 | 2.2 | LP / LPA | Accept/Eligible | No | No | 6.750% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 100.000% | No | 35 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 196.26 | Yes | No | $0.00 | $32,367.83 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000110701 | XXXXX | Safe Harbor QM (APOR) | Yes | No | $1,195.00 | $4,622.38 | 7.407% | $4,309.81 | $4,309.81 | 7.375% | No | No | Employed | Not Employed | US Citizen | US Citizen | $21,726.69 | 1 | $8,084.88 | $3,288.96 | $673.74 | $274.08 | 32.042% | 32.042% | 32.042% | 10/23/2025 | 794 | No | No | [Borrower - |
Primary Income - Wages]; Other - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | $1,195.00 | 6.230% | $0.00 | 999.0 | LP / LPA | Accept/Eligible | Yes | No | 7.375% | 2 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 26.060% | No | 34 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 2.92 | Retail | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000110688 | XXXXX | Higher Priced QM (APOR) | Yes | Yes | $6,447.96 | $8,356.90 | 7.940% | $2,005.48 | $2,005.48 | 7.490% | No | No | Employed | Employed | US Citizen | US Citizen | $13,535.68 | 1 | $657.48 | $5,327.64 | $54.79 | $443.97 | 30.171% | 30.171% | 30.171% | 11/07/2025 | 802 | No | No | [Borrower - |
Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | $6,447.96 | 6.260% | $10,000.00 | 1.0 | DU | ApproveEligible | No | No | 7.490% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | No | XXXXX | XXXXX | 19.830% | No | 34 | 10 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 9.17 | No | No | $0.00 | $17,184.18 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000110682 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $5,184.71 | $8,418.98 | 7.486% | $2,497.35 | $2,497.35 | 6.990% | No | No | Employed | US Citizen | $20,852.67 | 1 | $1,224.96 | $2,412.48 | $102.08 | $201.04 | 34.031% | 34.031% | 34.031% | 12/11/2025 | 781 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | $5,184.71 | 6.260% | $0.00 | 2.2 | LP / LPA | Accept/Eligible | No | No | 6.990% | 1 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 34.790% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 31.24 | Retail | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000110680 | XXXXX | Higher Priced QM (APOR) | Yes | Yes | $4,487.93 | $5,658.29 | 8.224% | $1,087.61 | $1,087.61 | 7.490% | No | No | Employed | US Citizen | $10,390.98 | 1 | $1,978.08 | $2,085.96 | $164.84 | $173.83 | 39.872% | 39.872% | 39.872% | 12/09/2025 | 745 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Business Account Transcripts - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2022 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Other - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Other - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2022 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; Transcripts (1040) - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | $4,487.93 | 6.190% | $0.00 | 4.4 | LP / LPA | Accept/Eligible | Yes | No | 7.490% | 1 | 2 | 0 | 3 | 3 | 0.00 | No | Not Stated | XXXXX | XXXXX | 72.010% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 67.67 | Retail | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000110675 | XXXXX | Safe Harbor QM (APOR) | Yes | No | $1,395.00 | $2,457.60 | 7.029% | $3,343.09 | $3,343.09 | 6.990% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $35,933.59 | 1 | $4,229.52 | $2,087.04 | $352.46 | $173.92 | 27.334% | 27.334% | 27.334% | 10/14/2025 | 777 | No | No | [Borrower - |
Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Tax Return Extension - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Tax Return Extension - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | $1,395.00 | 6.260% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.990% | 1 | 0 | 1 | 0 | 2 | 1 | No | Not Stated | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 122.67 | Retail | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000110674 | XXXXX | Safe Harbor QM (APOR) | Yes | No | $3,505.26 | $4,051.71 | 7.346% | $1,639.21 | $1,639.21 | 6.875% | No | No | Employed | Employed | US Citizen | US Citizen | $10,832.87 | 1 | $2,937.12 | $1,876.68 | $244.76 | $156.39 | 49.532% | 49.532% | 49.532% | 12/23/2025 | 787 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2025 [Coborrower(s) - | Non-Primary Income - Pension]; Paystubs - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | $3,505.26 | 6.190% | $0.00 | 1.6 | DU | ApproveEligible | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 26.070% | No | 32 | 31 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 12.9 | No | No | $1,601.00 | $5,278.75 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000110673 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $0.00 | $3,458.11 | 7.297% | $4,790.14 | $4,790.14 | 7.125% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $24,078.44 | 1 | $9,663.60 | $2,559.96 | $805.30 | $213.33 | 33.388% | 33.388% | 33.388% | 12/18/2025 | 784 | No | No | Borrower Prepared | [Borrower - |
Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | 6.190% | $0.00 | 5.0 | LP / LPA | Accept/Eligible | Yes | No | 7.125% | 2 | 2 | 2 | 0 | 3 | 0 | 11.00 | No | Not Stated | XXXXX | XXXXX | 13.370% | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 2.84 | No | No | $0.00 | $16,910.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000110672 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $4,346.63 | $13,803.14 | 7.185% | $3,720.60 | $3,720.60 | 6.990% | No | No | Not Employed | Employed | US Citizen | US Citizen | $7,503.68 | 1 | $5,021.40 | $827.28 | $418.45 | $68.94 | 39.483% | 39.483% | 39.483% | 08/15/2025 | 781 | No | No | [Coborrower(s) - |
Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2022 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | $4,346.63 | 6.240% | $0.00 | 1.7 | DU | ApproveEligible | N/A | No | 6.990% | 0 | 3 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | No | 35 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 18.85 | No | No | $0.00 | $12,399.27 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000110670 | XXXXX | Safe Harbor QM (APOR) | Yes | No | $2,679.00 | $5,438.50 | 6.800% | $5,312.02 | $5,312.02 | 6.750% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $9,393.35 | 1 | $7,113.84 | $1,731.96 | $592.82 | $144.33 | 49.443% | 49.443% | 49.443% | 09/26/2025 | 823 | Yes | No | [Borrower - |
Primary Income - Social Security]; Account Statements - 2025 [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2025 [Coborrower(s) - | Primary Income - Social Security]; Account Statements - 2025 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | Yes | $2,679.00 | 6.220% | $0.00 | 3.4 | LP / LPA | Accept/Ineligible | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | Not Stated | XXXXX | XXXXX | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 613.46 | No | No | $1,553.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000110667 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $2,607.00 | $2,207.69 | 6.669% | $2,881.40 | $2,881.40 | 6.625% | No | No | Self-Employed | Self-Employed | Not Employed | 0 | US Citizen | US Citizen | US Citizen | $15,881.00 | 1 | $14,067.48 | $2,012.88 | $1,172.29 | $167.74 | 33.285% | 33.285% | 33.285% | 12/02/2025 | 646 | 778 | 783 | 776 | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | No | No | [Borrower - |
Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2022 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; K-1 - 2025 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; 1065 - 2024 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | $2,607.00 | 6.220% | $6,500.00 | 1.0 | LP / LPA | Accept/Eligible | Yes | No | 6.625% | 0 | 0 | 1 | 0 | 3 | 2 | No | Not Stated | XXXXX | XXXXX | 49.330% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 21.98 | Retail | No | No | $11,439.96 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000110666 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $1,490.00 | $2,738.58 | 6.666% | $3,313.61 | $3,313.61 | 6.625% | No | No | Non-Employment Income | US Citizen | $7,865.21 | 1 | $2,535.96 | $852.00 | $211.33 | $71.00 | 39.868% | 39.868% | 39.868% | 12/08/2025 | 782 | No | No | [Borrower - |
Primary Income - Note Receivable]; Account Statements - 2025 [Borrower - | Primary Income - Note Receivable]; Account Statements - 2025 [Borrower - | Primary Income - Note Receivable]; Account Statements - 2025 [Borrower - | Primary Income - Note Receivable]; Note - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | $1,490.00 | 6.220% | $0.00 | 3.3 | LP / LPA | Accept/Eligible | No | No | 6.625% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 11.96 | Retail | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000110665 | XXXXX | Higher Priced QM (APOR) | Yes | Yes | $6,118.81 | $7,181.71 | 7.992% | $1,424.91 | $1,424.91 | 7.125% | No | No | Employed | Employed | US Citizen | US Citizen | $8,819.16 | 1 | $5,534.04 | $2,729.04 | $461.17 | $227.42 | 30.500% | 30.500% | 30.500% | 10/31/2025 | 670 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | $6,118.81 | 6.220% | $0.00 | 1.0 | LP / LPA | Accept/Eligible | Yes | No | 7.125% | 1 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 14.350% | No | 35 | 22 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 7.71 | No | No | $0.00 | $6,582.85 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000110661 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $6,900.00 | $3,517.79 | 6.698% | $1,920.93 | $1,920.93 | 6.625% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $4,374.15 | 1 | $5,885.04 | $6,802.68 | $490.42 | $566.89 | 47.453% | 47.453% | 47.453% | 11/10/2025 | 789 | No | No | [Borrower - |
Primary Income - Social Security]; Award Letter / Continuance Letter -
2025 [Borrower - | Primary Income - Social Security]; 1099-SSA - 2024 [Borrower - | Non-Primary Income - Pension]; 1099-R - 2024 [Borrower - | Non-Primary Income - Annuity]; Account Statements - 2025 [Borrower - | Non-Primary Income - Annuity]; Award Letter / Continuance Letter - 2025 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Coborrower(s) - | Primary Income - Social Security]; 1099-SSA - 2024 |
[Borrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | Yes | $6,900.00 | 6.260% | $0.00 | 2.6 | DU | ApproveEligible | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 1 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individually and as Trustee | Individually and as Trustee | No | Individually and as Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 284.47 | Broker | No | No | $1,744.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000110658 | XXXXX | Exempt from ATR | Safe Harbor QM (APOR) | Yes | Yes | Yes | $1,505.00 | $1,507.70 | 7.048% | $1,196.34 | $1,196.34 | 6.990% | No | No | Employed | Not Employed | US Citizen | US Citizen | $13,108.98 | 1 | $1,618.44 | $1,602.00 | $134.87 | $133.50 | 37.077% | 37.077% | 37.077% | 11/10/2025 | 776 | No | No | [Borrower - |
Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | $1,505.00 | 6.220% | $5,000.00 | LP / LPA | Accept/Eligible | No | No | 6.990% | 1 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 100.000% | No | 23 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 396.56 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000110656 | XXXXX | Higher Priced QM (APOR) | Yes | Yes | $6,524.75 | $7,862.35 | 8.060% | $2,045.52 | $2,045.52 | 7.625% | No | No | Non-Employment Income | Employed | US Citizen | US Citizen | $11,896.41 | 1 | $3,741.84 | $4,034.76 | $311.82 | $336.23 | 30.114% | 30.114% | 30.114% | 10/21/2025 | 771 | No | No | [Borrower - |
Primary Income - VA Service Related Disability]; Leave and Earnings Statement
(LES) - 2025 [Borrower - | Primary Income - VA Service Related Disability]; Leave and Earnings Statement (LES) - 2025 [Borrower - | Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | $6,524.75 | 6.220% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 7.625% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 52.430% | No | 34 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 43.1 | No | No | $0.00 | $11,666.68 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000110652 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $2,045.00 | $2,702.21 | 6.702% | $2,055.40 | $2,055.40 | 6.625% | No | No | Employed | US Citizen | $16,244.69 | 1 | $3,735.48 | $2,901.72 | $311.29 | $241.81 | 44.665% | 44.665% | 44.665% | 12/11/2025 | 767 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | $2,045.00 | 6.220% | $0.00 | 3.4 | DU | ApproveEligible | No | No | 6.625% | 1 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 38.610% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 19.05 | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000110647 | XXXXX | Higher Priced QM (APOR) | Yes | Yes | $14,572.17 | $22,566.81 | 7.828% | $3,430.84 | $3,430.84 | 7.125% | No | No | Employed | Employed | Employed | Employed | 2.24 | 5.46 | US Citizen | US Citizen | US Citizen | US Citizen | $22,544.82 | 1 | $7,697.76 | $3,608.88 | $641.48 | $300.74 | 41.744% | 41.744% | 41.744% | 10/16/2025 | 714 | 802 | 788 | 795 | 772 | 788 | 776 | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 5-Stated/Verified as defined | Level 5-Stated/Verified as defined | Level 3-Stated/Verified as defined | Level 3-Stated/Verified as defined | No | No | [Borrower - |
Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | Yes | $14,572.17 | 6.290% | $0.00 | LP / LPA | Yes | Accept/Eligible | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXXX | No | 34 | 33 | 10 | 34 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 4.56 | Retail | No | No | $0.00 | $34,444.86 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000110643 | XXXXX | Higher Priced QM (APOR) | Yes | Yes | $3,065.00 | $3,830.02 | 7.815% | $848.89 | $848.89 | 7.125% | No | No | Non-Employment Income | US Citizen | $2,149.63 | 1 | $2,263.08 | $1,621.92 | $188.59 | $135.16 | 49.771% | 49.771% | 49.771% | 11/13/2025 | 784 | No | No | [Borrower - |
Primary Income - Social Security]; Account Statements - 2025 [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Borrower - | Primary Income - Social Security]; 1099-SSA - 2024 [Borrower - | Non-Primary Income - Pension]; Account Statements - 2025 [Borrower - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025 [Borrower - | Non-Primary Income - Pension]; 1099-R - 2024 [Borrower - | Non-Primary Income - Pension]; Account Statements - 2025 [Borrower - | Non-Primary Income - Pension]; 1099-R - 2024 [Borrower - | Non-Primary Income - Pension]; Account Statements - 2025 [Borrower - | Non-Primary Income - Pension]; 1099-R - 2024 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | No | $3,065.00 | 6.250% | $2,500.00 | 1.0 | LP / LPA | Accept/Eligible | Yes | No | 7.125% | 0 | 1 | 0 | 2 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 100.000% | No | Yes | Short Form | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 96 | Retail | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000110642 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $2,640.00 | $4,993.42 | 7.066% | $2,791.45 | $2,791.45 | 6.990% | No | No | Employed | US Citizen | $9,297.13 | 1 | $1,069.44 | $1,118.64 | $89.12 | $93.22 | 33.603% | 33.603% | 33.603% | 11/16/2025 | 795 | No | No | [Borrower - |
Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | $2,640.00 | 6.260% | $1,200.00 | 1.0 | LP / LPA | Accept/Eligible | Yes | No | 6.990% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 34.290% | No | 36 | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 4.57 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000110625 | XXXXX | Higher Priced QM (APOR) | Yes | Yes | $3,707.08 | $5,543.83 | 8.419% | $2,699.98 | $2,699.98 | 7.750% | No | No | Employed | Employed | US Citizen | US Citizen | $17,555.37 | 1 | $1,486.08 | $6,380.28 | $123.84 | $531.69 | 43.191% | 43.191% | 43.191% | 12/04/2025 | 732 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | Yes | $3,707.08 | 6.190% | $0.00 | DU | ApproveEligible | No | No | 7.750% | 2 | 2 | 0 | 0 | 3 | 1 | 0.00 | No | Not Stated | XXXXX | XXXXX | 37.670% | No | 35 | 35 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 30.91 | Retail | No | No | $0.00 | $17,417.63 | No | No | No | No | 9 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000110624 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $995.00 | $3,366.66 | 6.661% | $2,913.41 | $2,913.41 | 6.625% | No | No | Employed | US Citizen | $13,409.72 | 1 | $12,330.00 | $1,844.88 | $1,027.50 | $153.74 | 41.328% | 41.328% | 41.328% | 11/24/2025 | 801 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Borrower - | Non-Primary Income - Social Security]; 1099-SSA - 2024 [Borrower - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025 [Borrower - | Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | $995.00 | 6.260% | $0.00 | 1.4 | DU | ApproveEligible | No | No | 6.625% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 16.66 | Retail | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000110744 | XXXXX | N/A | No | Yes | $4,283.75 | $6,893.13 | 7.085% | $3,514.24 | $3,514.24 | 6.990% | No | No | Self-Employed | US Citizen | $115,682.00 | 1 | $3,223.32 | $3,069.96 | $268.61 | $255.83 | 16.051% | 16.051% | 16.051% | 10/07/2025 | 767 | No | No | [Borrower - |
Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search /
Directory Assistance - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | $4,283.75 | 6.220% | $0.00 | 4.5 | LP / LPA | Accept/Eligible | No | No | 6.990% | 0 | 1 | 0 | 2 | 0 | No | Not Stated | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 191.17 | Retail | No | No | $0.00 | $0.00 | No | No | No | No | 6 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000110740 | XXXXX | N/A | No | Yes | $17,353.60 | $19,507.40 | 8.064% | $3,107.57 | $3,107.57 | 7.625% | No | No | Employed | US Citizen | $6,040.23 | 1 | $9,689.52 | $1,956.96 | $807.46 | $163.08 | 44.825% | 44.825% | 44.825% | 10/17/2025 | 633 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Tax Return Extension - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | $17,353.60 | 6.240% | $0.00 | 3.5 | LP / LPA | Accept/Eligible | Yes | No | 7.625% | 2 | 2 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | No | 33 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 6.46 | Retail | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000110730 | XXXXX | N/A | No | Yes | $1,350.00 | $3,425.40 | 7.163% | $3,233.85 | $3,233.85 | 7.125% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $48,804.87 | 1 | $3,816.96 | $3,320.04 | $318.08 | $276.67 | 16.759% | 16.759% | 16.759% | 10/30/2025 | 709 | No | No | [Borrower - |
Non-Primary Income - S-Corp (>= 25%)]; Account Statements - Business -
2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Business Return Transcripts - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Paystubs - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2023 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Business Return Transcripts - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Account Transcripts - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; Account Transcripts - 2023 [Borrower]; Account Transcripts - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Account Transcripts - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; Account Transcripts - 2023 [Coborrower]; Account Transcripts - 2022 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | $1,350.00 | 6.160% | $0.00 | 2.0 | LP / LPA | Accept/Eligible | Yes | No | 7.125% | 2 | 0 | 1 | 0 | 2 | 3 | No | Not Stated | XXXXX | XXXXX | No | Yes | Final | Fee Simple | Individually and as Trustee | Individually and as Trustee | No | Individually and as Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 388.51 | Retail | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000110716 | XXXXX | N/A | No | Yes | $7,281.35 | $7,934.05 | 7.153% | $2,621.97 | $2,621.97 | 6.990% | No | No | Self-Employed | US Citizen | $50,603.83 | 1 | $4,689.84 | $1,824.96 | $390.82 | $152.08 | 25.643% | 25.643% | 25.643% | 11/24/2025 | 755 | No | No | [Borrower - |
Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | $7,281.35 | 6.260% | $0.00 | 1.0 | LP / LPA | Accept/Eligible | Yes | No | 6.990% | 0 | 1 | 0 | 2 | 1 | No | Not Stated | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 136.11 | Retail | No | No | $0.00 | $0.00 | No | No | No | No | 6 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000110708 | XXXXX | N/A | No | Yes | $3,857.50 | $5,701.74 | 7.064% | $1,551.99 | $1,551.99 | 6.875% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $19,541.31 | 1 | $3,591.24 | $1,812.00 | $299.27 | $151.00 | 18.640% | 18.640% | 18.640% | 10/15/2025 | 763 | No | No | Third Party Prepared (Unaudited) | [Borrower - |
Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 |
[Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2021 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | $3,857.50 | 6.260% | $0.00 | 2.7 | LP / LPA | Accept/Eligible | Yes | No | 6.875% | 0 | 0 | 1 | 0 | 4 | 2 | 8.00 | No | Not Stated | XXXXX | XXXXX | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 155.66 | No | No | $10,264.00 | $0.00 | No | No | No | No | 4 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000110703 | XXXXX | Exempt from ATR | N/A | Yes | No | Yes | $3,526.17 | $3,756.07 | 7.869% | $1,045.77 | $1,045.77 | 7.625% | No | No | Employed | US Citizen | $3,517.20 | 1 | $1,974.84 | $1,751.52 | $164.57 | $145.96 | 37.589% | 37.589% | 37.589% | 11/14/2025 | 671 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | $3,526.17 | 6.230% | $0.00 | 2.5 | LP / LPA | Accept/Eligible | No | No | 7.625% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 28.04 | Retail | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000110684 | XXXXX | N/A | No | Yes | $6,470.42 | $7,730.29 | 6.860% | $1,872.91 | $1,872.91 | 6.625% | No | No | Employed | US Citizen | $5,487.91 | 1 | $4,828.92 | $1,260.96 | $402.41 | $105.08 | 44.426% | 44.426% | 44.426% | 11/18/2025 | 721 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | $6,470.42 | 6.260% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.625% | 1 | 1 | 0 | 1 | 1 | 0.00 | No | Not Stated | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 6.52 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000110662 | XXXXX | N/A | No | Yes | $10,134.94 | $11,634.11 | 7.120% | $5,443.33 | $5,443.33 | 6.990% | No | No | Employed | Not Employed | US Citizen | N/A | $21,730.18 | 1 | $4,489.68 | $1,087.80 | $374.14 | $90.65 | 44.951% | 44.951% | 44.951% | 09/03/2025 | 724 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Non-Primary Income - IRA Distribution]; Account Statements - 2025 [Borrower - | Non-Primary Income - IRA Distribution]; Account Statements - 2025 [Borrower - | Non-Primary Income - IRA Distribution]; Other - 2025 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | $10,134.94 | 6.160% | $0.00 | 1.7 | LP / LPA | Accept/Eligible | Yes | No | 6.990% | 2 | 0 | 1 | 0 | 1 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individually and as Trustee | Individual | Trustee | No | Individually and as Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 44.08 | Retail | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000110659 | XXXXX | N/A | No | No | $2,211.88 | $3,673.23 | 7.092% | $1,919.12 | $1,919.12 | 6.990% | No | No | Self-Employed | US Citizen | $6,463.52 | 1 | $4,119.60 | $1,095.00 | $343.30 | $91.25 | 47.924% | 47.924% | 47.924% | 10/20/2025 | 765 | No | No | Borrower Prepared | [Borrower - |
Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | $2,211.88 | 6.220% | $0.00 | 1.0 | DU | ApproveEligible | No | No | 6.990% | 0 | 1 | 0 | 2 | 1 | 10.00 | No | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 128.01 | Retail | No | No | $0.00 | $0.00 | No | No | No | No | 7 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000110657 | XXXXX | N/A | No | Yes | $12,489.03 | $13,798.03 | 7.125% | $3,632.82 | $3,632.82 | 6.875% | No | No | Employed | Non-Employment Income | US Citizen | US Citizen | $8,331.59 | 1 | $8,206.56 | $5,351.04 | $683.88 | $445.92 | 46.194% | 46.194% | 46.194% | 10/21/2025 | 730 | No | No | [Borrower - |
Primary Income - K-1 (< 25%)]; VVOE - 2025 [Borrower - | Primary Income - K-1 (< 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Borrower - | Non-Primary Income - Social Security]; 1099-SSA - 2024 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Coborrower(s) - | Primary Income - Social Security]; 1099-SSA - 2024 [Coborrower(s) - | Primary Income - Social Security]; 1099-SSA - 2023 [Coborrower(s) - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025 [Coborrower(s) - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | $12,489.03 | 6.160% | $0.00 | 1.3 | DU | ApproveEligible | N/A | No | 6.875% | 0 | 0 | 2 | 0 | 3 | 0 | No | Not Stated | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 75.47 | No | No | $6,961.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000110653 | XXXXX | N/A | No | Yes | $9,845.00 | $4,765.70 | 7.058% | $2,857.91 | $2,857.91 | 6.990% | No | No | Employed | Employed | US Citizen | US Citizen | $20,964.06 | 1 | $1,678.32 | $839.88 | $139.86 | $69.99 | 37.449% | 37.449% | 37.449% | 11/11/2025 | 778 | No | No | [Borrower - |
Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | $9,845.00 | 6.260% | $0.00 | 1.0 | LP / LPA | Accept/Eligible | Yes | No | 6.990% | 0 | 1 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | No | 34 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 12.15 | No | No | $0.00 | $13,094.83 | No | No | No | No | 4 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000110640 | XXXXX | N/A | No | No | $1,595.00 | $2,015.71 | 7.000% | $3,329.84 | $3,329.84 | 7.000% | No | No | Employed | US Citizen | $19,740.64 | 2 | $16,419.84 | $1,557.96 | $1,368.32 | $129.83 | 41.904% | 41.904% | 41.904% | 11/19/2025 | 750 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | $1,595.00 | 6.230% | $0.00 | LP / LPA | Accept/Eligible | N/A | No | 7.000% | 1 | 2 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 35.25 | No | No | $0.00 | $0.00 | No | No | No | No | 9 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000110637 | XXXXX | N/A | No | Yes | $1,810.92 | $3,207.49 | 7.176% | $3,131.44 | $3,131.44 | 7.125% | No | No | Employed | US Citizen | $7,133.26 | 1 | $7,235.52 | $1,329.00 | $602.96 | $110.75 | 49.578% | 49.578% | 49.578% | 12/17/2025 | 685 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 1040 - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | $1,810.92 | 6.270% | $0.00 | 1.0 | LP / LPA | Accept/Eligible | Yes | No | 7.125% | 2 | 2 | 0 | 0 | 0 | 0.00 | No | No | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 20.44 | Retail | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000110631 | XXXXX | N/A | No | Yes | $4,120.00 | $6,237.40 | 6.986% | $2,667.13 | $2,667.13 | 6.875% | No | No | Non-Employment Income | US Citizen | $9,843.98 | 2 | $2,207.76 | $555.00 | $183.98 | $46.25 | 45.948% | 45.948% | 45.948% | 11/12/2025 | 790 | No | No | [Borrower - |
Primary Income - Social Security]; 1099-SSA - 2024 [Borrower - | Non-Primary Income - Pension]; 1099-R - 2024 [Borrower - | Non-Primary Income - Pension]; 1099-R - 2023 [Borrower - | Non-Primary Income - Interest / Dividends]; Account Statements - 2025 [Borrower - | Non-Primary Income - IRA Distribution]; Account Statements - 2025 [Borrower - | Non-Primary Income - IRA Distribution]; Deposit Receipt - 2025 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | No | $4,120.00 | 6.260% | $0.00 | LP / LPA | Accept/Eligible | No | No | 6.875% | 0 | 2 | 0 | 2 | 2 | 0.00 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individually and as Trustee | No | Individually and as Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 382.37 | Retail | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000110628 | XXXXX | N/A | No | Yes | $12,558.00 | $4,213.25 | 7.070% | $2,658.52 | $2,658.52 | 6.990% | No | No | Self-Employed | Non-Employment Income | US Citizen | US Citizen | $7,594.99 | 1 | $1,495.20 | $5,730.24 | $124.60 | $477.52 | 35.472% | 35.472% | 35.472% | 10/24/2025 | 791 | No | No | [Borrower - |
Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | $12,558.00 | 6.170% | $0.00 | 1.0 | LP / LPA | Accept/Eligible | Yes | No | 6.990% | 1 | 0 | 1 | 0 | 1 | 1 | No | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 45.17 | No | No | $2,313.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000304 | XXXXX | Non QM | Yes | No | $1,595.00 | $7,312.28 | 6.396% | $15,921.16 | $15,921.16 | 6.375% | No | No | Self-Employed | US Citizen | $125,164.00 | 1 | $33,165.84 | $7,628.16 | $2,763.82 | $635.68 | 14.581% | 14.581% | 14.581% | 11/25/2025 | 781 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 85.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 85.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 85.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 85.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 85.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 85.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 85.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $1,595.00 | 6.270% | $0.00 | 2.9 | None | No | No | 6.375% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 14.06 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000105486 | XXXXX | Non QM | Yes | No | $7,770.00 | $8,866.75 | 6.599% | $2,245.93 | $2,245.93 | 6.375% | No | No | Employed | Permanent Resident Alien | $4,332.58 | 1 | $13,084.80 | $1,406.04 | $1,090.40 | $117.17 | 45.843% | 45.843% | 45.843% | 12/05/2025 | 792 | No | No | [Borrower - |
Primary Income - Wages]; Employer Letter - 2026 [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $7,770.00 | 6.220% | $0.00 | 1.0 | None | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 37.040% | No | 36 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 17.01 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000109446 | XXXXX | N/A | No | No | $19,185.00 | $9,295.50 | 8.208% | $3,081.81 | $3,081.81 | 8.000% | No | No | Employed | US Citizen | $10,353.87 | 1 | $7,119.60 | $990.96 | $593.30 | $82.58 | 47.174% | 47.174% | 47.174% | 11/19/2025 | 670 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $19,185.00 | 6.180% | $0.00 | 1.0 | None | Yes | No | 8.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 0.000% | No | 35 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 4.46 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000110357 | XXXXX | N/A | No | No | $2,690.00 | $3,747.92 | 7.314% | $3,581.43 | $3,581.43 | 7.250% | No | No | Employed | US Citizen | $9,934.98 | 4 | $7,193.88 | $3,858.00 | $599.49 | $321.50 | 34.671% | 34.671% | 34.671% | 01/23/2026 | 739 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $2,690.00 | 6.170% | $0.00 | None | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | No | 36 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 24.75 | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000108712 | XXXXX | Non QM | Yes | No | $18,301.80 | $1,086.86 | 7.261% | $3,274.45 | $3,274.45 | 7.250% | No | No | Self-Employed | US Citizen | $8,069.02 | 2 | $7,500.00 | $2,893.32 | $625.00 | $241.11 | 37.924% | 37.924% | 37.924% | 11/17/2025 | 668 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $18,301.80 | 6.250% | $30,490.82 | None | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | XXXXX | 22.520% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 8.27 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000299 | XXXXX | N/A | No | No | $9,103.00 | $4,349.86 | 6.825% | $1,325.44 | $1,325.44 | 6.625% | No | No | Self-Employed | US Citizen | $21,978.68 | 1 | $9,681.00 | $1,881.12 | $806.75 | $156.76 | 38.948% | 38.948% | 38.948% | 12/08/2025 | 736 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $9,103.00 | 6.170% | $0.00 | 1.9 | None | Yes | No | 6.625% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 68.33 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000112336 | XXXXX | Non QM | Yes | No | $1,640.00 | $3,711.58 | 6.441% | $3,043.99 | $3,043.99 | 6.375% | No | No | Employed | US Citizen | $6,509.25 | 1 | $5,022.12 | $2,667.00 | $418.51 | $222.25 | 36.495% | 36.495% | 36.495% | 01/15/2026 | 798 | No | No | [Borrower - |
Primary Income - Wages]; Employer Letter - 2026 [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Non-Primary Income - Alimony]; Deposit Receipt - 2026 [Borrower - | Non-Primary Income - Alimony]; Other - 2026 [Borrower - | Non-Primary Income - Alimony]; Account Statements - 2025 [Borrower - | Non-Primary Income - Alimony]; Divorce Decree - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.250% | $0.00 | 3.2 | None | No | No | 6.375% | 2 | 0 | 0 | 3 | 2 | 0.00 | No | XXXXX | XXXXX | 100.000% | No | 27 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 199.14 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000107975 | XXXXX | Non QM | Yes | No | $7,184.84 | $11,003.19 | 6.575% | $7,256.14 | $7,256.14 | 6.500% | No | No | Employed | Employed | US Citizen | US Citizen | $15,075.36 | 1 | $11,092.80 | $2,217.00 | $924.40 | $184.75 | 39.069% | 39.069% | 39.069% | 12/29/2025 | 796 | No | No | [Borrower - |
Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Employer Letter - 2026 [Coborrower(s) - | Primary Income - Wages]; Other - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; Vesting Schedule - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; Year End Summary - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2023 [Coborrower(s) - | Primary Income - Wages]; Year End Summary - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $7,184.84 | 6.170% | $0.00 | 1.0 | None | Yes | No | 6.500% | 1 | 2 | 2 | 0 | 2 | 2 | 0.00 | No | XXXXX | XXXXX | 32.870% | No | 16 | 36 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | Yes | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 49.79 | Yes | No | $0.00 | $10,291.67 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000109824 | XXXXX | Non QM | Yes | No | $2,320.00 | $3,489.75 | 7.957% | $3,001.79 | $3,001.79 | 7.875% | No | No | Employed | Permanent Resident Alien | $6,296.78 | 1 | $1,851.96 | $2,105.04 | $154.33 | $175.42 | 41.876% | 41.876% | 41.876% | 12/18/2025 | 740 | No | No | [Borrower - |
Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $2,320.00 | 6.060% | $0.00 | 1.0 | None | Yes | No | 7.875% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | 31.360% | No | 2 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 25.49 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000110333 | XXXXX | Non QM | Yes | No | $11,320.00 | $3,881.99 | 7.795% | $4,304.70 | $5,401.94 | 8.697% | No | No | Self-Employed | US Citizen | $14,370.99 | 1 | $15,399.36 | $1,530.96 | $1,283.28 | $127.58 | 32.352% | 31.116% | 32.352% | 12/12/2025 | 808 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 |
Alternative Documentation (A) | 2yr P&L w/o Bank Statements | 0 | 0 | 0 | No | XXXXX | $11,320.00 | 6.320% | $0.00 | 1.3 | None | N/A | No | 8.697% | 0 | 0 | 0 | 0 | 0 | 24.00 | No | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 2.63 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000109772 | XXXXX | Non QM | Yes | No | $2,745.00 | $5,810.22 | 6.646% | $12,806.22 | $12,806.22 | 6.625% | No | No | Self-Employed | US Citizen | $27,896.06 | 1 | $14,413.92 | $4,847.40 | $1,201.16 | $403.95 | 34.821% | 34.821% | 34.821% | 10/17/2025 | 775 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2024 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $2,745.00 | 6.180% | $0.00 | None | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 22.00 | No | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 36.69 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000112967 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $6,375.00 | $7,986.00 | 7.829% | $1,678.11 | $1,678.11 | 7.500% | No | No | Employed | US Citizen | $5,794.56 | 1 | $0.00 | $0.00 | $0.00 | $0.00 | 36.787% | 36.787% | 36.787% | 11/04/2025 | 794 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $6,375.00 | 6.140% | $0.00 | None | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 69.300% | No | 12 | Yes | Shares/Stock/Ownership (Co-op) | Leasehold | Individual | Individual | No | Individual | No | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 45.56 | Yes | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000367 | XXXXX | Non QM | Yes | No | $1,430.00 | $3,153.80 | 6.912% | $4,992.66 | $4,992.66 | 6.875% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $12,427.34 | 1 | $13,340.04 | $3,464.76 | $1,111.67 | $288.73 | 37.772% | 37.772% | 37.772% | 01/21/2026 | 795 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $1,430.00 | 6.060% | $0.00 | 1.0 | None | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 141.44 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000109265 | XXXXX | Non QM | Yes | No | $1,640.00 | $3,466.87 | 6.546% | $3,438.45 | $3,438.45 | 6.500% | No | No | Employed | Self-Employed | US Citizen | US Citizen | $18,529.60 | 1 | $7,151.64 | $1,707.96 | $595.97 | $142.33 | 35.873% | 35.873% | 35.873% | 01/06/2026 | 791 | No | No | [Borrower - |
Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Sole Proprietor]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; Other - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; Other - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; P&L Statement - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 [Coborrower(s) - | Non-Primary Income - K-1 (< 25%)]; Other - 2026 [Coborrower(s) - | Non-Primary Income - K-1 (< 25%)]; Other - 2026 [Coborrower(s) - | Non-Primary Income - K-1 (< 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Non-Primary Income - K-1 (< 25%)]; K-1 - 2024 [Coborrower(s) - | Non-Primary Income - K-1 (< 25%)]; K-1 - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.180% | $10,000.00 | 1.6 | None | No | No | 6.500% | 2 | 0 | 2 | 0 | 3 | 3 | 0.00 | No | XXXXX | XXXXX | 100.000% | No | 36 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 248.99 | No | No | $16,172.33 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000109373 | XXXXX | Non QM | Yes | No | $4,760.00 | $9,049.42 | 7.640% | $3,328.26 | $3,328.26 | 7.500% | No | No | Self-Employed | US Citizen | $29,600.24 | 1 | $4,123.44 | $1,572.00 | $343.62 | $131.00 | 29.349% | 29.349% | 29.349% | 11/17/2025 | 766 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Yes | XXXXX | $4,760.00 | 6.180% | $0.00 | None | Yes | No | 7.500% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 40.62 | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000110812 | XXXXX | N/A | No | No | $2,166.67 | $2,166.67 | 6.500% | No | No | US Citizen | US Citizen | 2 | $12,345.00 | $2,031.60 | $1,028.75 | $169.30 | 0.000% | 0.000% | 0.000% | 12/19/2025 | 796 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | No | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.41 | 0.71 | 240 | XXXXX | XXXXX | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Trustee | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 135.39 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000109096 | XXXXX | Non QM | Yes | No | $1,640.00 | $3,358.54 | 6.803% | $3,787.81 | $3,787.81 | 6.750% | No | No | Self-Employed | US Citizen | $5,545.08 | 1 | $6,059.88 | $2,220.00 | $504.99 | $185.00 | 45.325% | 45.325% | 45.325% | 01/03/2026 | 768 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Expense Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2009 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.180% | $0.00 | 1.2 | DU | ApproveEligible | Yes | No | 6.750% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | Yes | XXXXX | XXXXX | 39.490% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 27.11 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000108955 | XXXXX | Non QM | Yes | No | $1,855.00 | $2,569.12 | 6.740% | $1,358.89 | $1,358.89 | 6.625% | No | No | Employed | US Citizen | $7,750.97 | 1 | $6,146.40 | $1,606.56 | $512.20 | $133.88 | 43.592% | 43.592% | 43.592% | 12/29/2025 | 785 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,855.00 | 6.180% | $0.00 | 1.0 | None | N/A | No | 6.625% | 2 | 0 | 0 | 2 | 2 | 0.00 | No | XXXXX | XXXXX | 100.000% | No | 12 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 93.36 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000109091 | XXXXX | Non QM | Yes | No | $4,415.00 | $3,495.35 | 7.556% | $1,243.22 | $1,243.22 | 7.375% | No | No | Self-Employed | US Citizen | $34,919.83 | 1 | $5,633.88 | $2,739.72 | $469.49 | $228.31 | 7.701% | 7.701% | 7.701% | 11/17/2025 | 767 | No | Yes | 12 | Business | 100.000% | 33.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 33.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 33.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 33.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 33.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $4,415.00 | 6.180% | $10,000.00 | 1.0 | None | Yes | No | 7.375% | 0 | 0 | 0 | 4 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 26.470% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 31.35 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000111196 | XXXXX | Non QM | Yes | No | $1,640.00 | $3,901.83 | 6.656% | $6,692.53 | $6,692.53 | 6.625% | No | No | Employed | Not Employed | US Citizen | US Citizen | $34,783.01 | 1 | $14,121.72 | $1,690.56 | $1,176.81 | $140.88 | 27.135% | 27.135% | 27.135% | 01/07/2026 | 775 | No | No | [Borrower - |
Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.170% | $6,500.00 | 3.2 | None | No | No | 6.625% | 2 | 0 | 0 | 0 | 2 | 2 | 0.00 | No | XXXXX | XXXXX | 100.000% | No | 23 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 463.07 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000111671 | XXXXX | Non QM | Yes | No | $4,759.40 | $6,048.99 | 6.834% | $1,792.87 | $1,792.87 | 6.625% | No | No | Self-Employed | US Citizen | $432,567.96 | 1 | $4,880.40 | $2,217.96 | $406.70 | $184.83 | 2.116% | 2.116% | 2.116% | 01/12/2026 | 773 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $4,759.40 | 6.060% | $0.00 | 2.1 | None | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 2.570% | No | Yes | Short Form | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 116.44 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000112360 | XXXXX | Non QM | Yes | No | $11,435.00 | $13,344.44 | 7.204% | $1,738.24 | $1,738.24 | 6.750% | No | No | Self-Employed | US Citizen | $8,455.37 | 1 | $8,588.88 | $1,704.00 | $715.74 | $142.00 | 47.855% | 47.855% | 47.855% | 01/02/2026 | 798 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Yes | XXXXX | $11,435.00 | 6.060% | $0.00 | 1.0 | None | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 12.980% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 9.39 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000109060 | XXXXX | Non QM | Yes | No | $2,370.00 | $7,029.63 | 6.433% | $5,458.86 | $5,458.86 | 6.375% | No | No | Self-Employed | US Citizen | $55,410.70 | 1 | $14,260.20 | $2,711.04 | $1,188.35 | $225.92 | 27.374% | 27.374% | 27.374% | 01/07/2026 | 800 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $2,370.00 | 6.180% | $0.00 | 3.0 | None | Yes | No | 6.375% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 169.8 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000115044 | XXXXX | N/A | No | No | $3,927.19 | $3,927.19 | 7.375% | No | No | 0 | US Citizen | 1 | $6,349.08 | $3,966.96 | $529.09 | $330.58 | 0.000% | 0.000% | 0.000% | 01/28/2026 | 704 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | 240 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | LLC | Guarantor - Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 11.8 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000110321 | XXXXX | N/A | No | No | $0.00 | 7.324% | $2,541.68 | $2,541.68 | 7.375% | No | No | Employed | Not Employed | US Citizen | US Citizen | $13,443.67 | 2 | $8,422.68 | $3,396.36 | $701.89 | $283.03 | 45.745% | 45.745% | 45.745% | 12/30/2025 | 777 | No | No | [Borrower - |
Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Non-Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Borrower - | Non-Primary Income - Sole Proprietor]; 1099 - 2024 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 [Borrower - | Non-Primary Income - Sole Proprietor]; 1099 - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.170% | $0.00 | DU | ApproveIneligible | No | No | 7.375% | 2 | 0 | 2 | 0 | 2 | 2 | 0.00 | No | XXXXX | XXXXX | 52.780% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 37.56 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000110651 | XXXXX | Non QM | Yes | No | $1,640.00 | $3,325.45 | 6.413% | $4,616.64 | $4,616.64 | 6.375% | No | No | Employed | US Citizen | $12,213.51 | 1 | $6,544.80 | $1,860.96 | $545.40 | $155.08 | 36.729% | 36.729% | 36.729% | 01/13/2026 | 804 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.170% | $0.00 | 2.5 | None | Yes | No | 6.375% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 60.620% | No | 24 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 68.3 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000111057 | XXXXX | Non QM | Yes | No | $3,056.14 | $4,779.53 | 7.070% | $1,271.81 | $1,271.81 | 6.875% | No | No | Non-Employment Income | US Citizen | $9,206.90 | 1 | $3,019.44 | $1,116.00 | $251.62 | $93.00 | 16.791% | 16.791% | 16.791% | 01/06/2026 | 786 | Yes | No | [Borrower - |
Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | No | XXXXX | $3,056.14 | 6.170% | $0.00 | 2.5 | None | No | No | 6.875% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 526.47 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000109617 | XXXXX | Non QM | Yes | No | $5,672.24 | $7,215.96 | 6.662% | $2,679.97 | $2,679.97 | 6.500% | No | No | Non-Employment Income | US Citizen | $7,067.77 | 1 | $4,265.04 | $2,683.56 | $355.42 | $223.63 | 39.124% | 39.124% | 39.124% | 01/05/2026 | 812 | Yes | No | [Borrower - |
Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Primary Income - Social Security]; Account Statements - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | No | XXXXX | $5,672.24 | 6.180% | $0.00 | 3.3 | None | No | No | 6.500% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | XXXXX | XXXXX | 100.000% | No | Yes | Short Form | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 315.68 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000110685 | XXXXX | Non QM | Yes | No | $2,565.00 | $2,948.84 | 7.783% | $4,416.58 | $5,464.96 | 8.686% | No | No | Employed | Permanent Resident Alien | $10,572.44 | 1 | $17,688.24 | $3,870.96 | $1,474.02 | $322.58 | 45.782% | 44.767% | 45.782% | 01/08/2026 | 738 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $2,565.00 | 6.320% | $0.00 | 1.2 | None | N/A | No | 8.686% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | No | 24 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | No | 1.62 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000115344 | XXXXX | N/A | No | No | $857.29 | $857.29 | 6.875% | No | No | US Citizen | 1 | $1,706.76 | $1,860.12 | $142.23 | $155.01 | 0.000% | 0.000% | 0.000% | 10/09/2025 | 720 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.73 | 0.58 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 105.73 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000106990 | XXXXX | Non QM | Yes | No | $1,640.00 | $3,325.60 | 6.696% | $2,727.08 | $2,727.08 | 6.625% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $4,137.86 | 1 | $6,467.28 | $467.04 | $538.94 | $38.92 | 45.091% | 45.091% | 45.091% | 12/17/2025 | 809 | No | No | Third Party Prepared (Unaudited) | [Borrower - |
Primary Income - Sole Proprietor]; CPA Letter - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Account Statements - Business - 2025 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.170% | $0.00 | 1.5 | None | No | No | 6.625% | 0 | 1 | 2 | 0 | 2 | 2 | 10.97 | No | XXXXX | XXXXX | 52.570% | No | 24 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 33.91 | Yes | No | $0.00 | $3,160.35 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000105552 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $14,465.00 | $17,053.25 | 7.495% | $3,153.00 | $3,153.00 | 7.125% | No | No | Self-Employed | Permanent Resident Alien | $5,618.95 | 1 | $8,343.60 | $1,557.00 | $695.30 | $129.75 | 42.073% | 42.073% | 42.073% | 11/06/2025 | 765 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $14,465.00 | 6.220% | $0.00 | 1.1 | None | N/A | No | 7.125% | 0 | 0 | 0 | 3 | 0 | 12.00 | No | XXXXX | XXXXX | 48.540% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 30.28 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000115163 | XXXXX | Non QM | Yes | No | $1,792.80 | $3,130.55 | 6.758% | $1,383.07 | $1,383.07 | 6.625% | No | No | Non-Employment Income | US Citizen | $8,851.10 | 1 | $2,999.52 | $1,001.04 | $249.96 | $83.42 | 19.090% | 19.090% | 19.090% | 10/17/2025 | 781 | No | No | [Borrower - |
Non-Primary Income - Social Security]; Account Statements - 2025 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Borrower - | Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2025 [Borrower - | Primary Income - IRA Distribution]; 1099-R - 2024 [Borrower - | Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2024 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | No | XXXXX | $1,792.80 | 6.290% | $0.00 | 1.1 | None | No | No | 6.625% | 0 | 2 | 0 | 2 | 1 | 0.00 | No | XXXXX | XXXXX | 100.000% | No | Yes | Short Form | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 1197.56 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000107556 | XXXXX | Non QM | Yes | No | $5,619.90 | $0.00 | 6.739% | $2,456.40 | $2,456.40 | 6.750% | No | No | Self-Employed | Non-Permanent Resident Alien | XXX | $20,375.73 | 1 | $6,312.48 | $5,052.24 | $526.04 | $421.02 | 36.247% | 36.247% | 36.247% | 12/04/2025 | 765 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements
Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Third Party Verification - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $5,619.90 | 6.060% | $96,275.40 | 1.0 | None | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 24 | 0.00 | No | XXXXX | XXXXX | 1.980% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | Yes | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Employment Authorization | 10.2 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000110040 | XXXXX | Non QM | Yes | No | $2,715.00 | $6,582.19 | 7.776% | $4,239.21 | $5,390.20 | 8.697% | No | No | Self-Employed | US Citizen | $11,002.06 | 1 | $12,239.64 | $1,744.80 | $1,019.97 | $145.40 | 37.558% | 35.722% | 37.558% | 01/06/2026 | 786 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 |
Alternative Documentation (A) | 2yr P&L w/o Bank Statements | 0 | 0 | 0 | No | XXXXX | $2,715.00 | 6.390% | $0.00 | 1.0 | None | N/A | No | 8.697% | 0 | 0 | 0 | 0 | 0 | 24.00 | No | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 0.12 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000110316 | XXXXX | Non QM | Yes | No | $21,308.57 | $0.00 | 5.883% | $4,229.45 | $4,229.45 | 5.875% | No | No | Employed | Permanent Resident Alien | $16,402.04 | 1 | $15,776.88 | $1,593.24 | $1,314.74 | $132.77 | 34.392% | 34.392% | 34.392% | 12/31/2025 | 755 | No | No | [Borrower - |
Primary Income - Wages]; Employer Letter - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $21,308.57 | 6.170% | $40,000.00 | 1.0 | None | N/A | No | 5.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 7.890% | No | 36 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 9.13 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000110340 | XXXXX | Non QM | Yes | No | $12,649.85 | $14,587.85 | 6.883% | $2,433.46 | $2,433.46 | 6.500% | No | No | Self-Employed | US Citizen | $6,627.36 | 1 | $1,949.16 | $1,095.00 | $162.43 | $91.25 | 35.264% | 35.264% | 35.264% | 01/13/2026 | 680 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $12,649.85 | 6.170% | $0.00 | 1.7 | None | No | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 129.36 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000112163 | XXXXX | N/A | No | No | $6,122.15 | $3,843.07 | 6.847% | $2,432.73 | $2,432.73 | 6.750% | No | No | Not Employed | Employed | Employed | 29.52 | US Citizen | US Citizen | $30,577.57 | 2 | $3,336.12 | $4,726.44 | $278.01 | $393.87 | 23.040% | 23.040% | 23.040% | 01/21/2026 | 799 | Level 3-Stated/Partially Verified | Level 5-Stated/Verified as defined | Level 3-Stated/Verified as defined | No | No | [Coborrower(s) - |
Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Non-Primary Income - Sole Proprietor]; Other - 2026 [Coborrower(s) - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Coborrower(s) - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; CPA Letter - 2026 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $6,122.15 | 6.060% | $0.00 | None | N/A | No | 6.750% | 0 | 2 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 48.740% | No | 25 | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 75.44 | No | No | $24,227.33 | $15,504.41 | No | No | No | No | 7 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000110453 | XXXXX | N/A | No | No | $1,640.00 | $2,643.74 | 7.510% | $1,215.59 | $1,215.59 | 7.375% | No | No | Not Employed | Employed | Not Employed | 0 | US Citizen | US Citizen | $5,820.93 | 1 | $2,683.20 | $1,386.00 | $223.60 | $115.50 | 26.403% | 26.403% | 26.403% | 12/30/2025 | 815 | 808 | 811 | 819 | Level 4-Stated/Verified as defined | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | No | No | [Coborrower(s) - |
Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.170% | $0.00 | 1.0 | None | Yes | No | 7.375% | 0 | 2 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 46.340% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 30.08 | Yes | No | $0.00 | $7,909.20 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000108143 | XXXXX | Non QM | Yes | No | $1,790.00 | $3,020.16 | 7.033% | $5,402.26 | $5,402.26 | 7.000% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $20,147.26 | 1 | $3,810.36 | $1,864.80 | $317.53 | $155.40 | 28.530% | 28.530% | 28.530% | 01/12/2026 | 779 | Yes | No | [Borrower - |
Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | No | XXXXX | $1,790.00 | 6.250% | $0.00 | 2.1 | None | Yes | No | 7.000% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | 120 | XXXXX | XXXXX | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 605.46 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000110034 | XXXXX | Non QM | Yes | No | $2,760.00 | $16,872.08 | 6.887% | $19,707.86 | $19,707.86 | 6.875% | No | No | Self-Employed | US Citizen | $27,754.97 | 1 | $31,430.76 | $9,099.96 | $2,619.23 | $758.33 | 46.021% | 46.021% | 46.021% | 01/29/2026 | 773 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 |
Alternative Documentation (A) | 2yr P&L w/o Bank Statements | 0 | 0 | 0 | Yes | XXXXX | $2,760.00 | 6.180% | $0.00 | 1.7 | None | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 24.00 | No | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 19.28 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000113067 | XXXXX | Non QM | Yes | No | $1,640.00 | $8,412.81 | 6.284% | $6,565.08 | $6,565.08 | 6.250% | No | No | Non-Employment Income | US Citizen | $30,989.29 | 1 | $21,456.72 | $5,520.00 | $1,788.06 | $460.00 | 46.549% | 46.549% | 46.549% | 01/22/2026 | 807 | Yes | No | [Borrower - |
Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.060% | $0.00 | 4.2 | None | No | No | 6.250% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 558.36 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000368 | XXXXX | N/A | No | No | $3,648.36 | $3,648.36 | 6.750% | No | No | US Citizen | US Citizen | 1 | $9,024.84 | $2,845.68 | $752.07 | $237.14 | 0.000% | 0.000% | 0.000% | 11/18/2025 | 782 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.75 | 1.33 | XXXXX | XXXXX | 8.180% | No | Yes | Commitment | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 10.32 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116128 | XXXXX | N/A | No | No | $1,176.57 | $1,176.57 | 6.625% | No | No | US Citizen | 1 | $4,724.52 | $735.96 | $393.71 | $61.33 | 0.000% | 0.000% | 0.000% | 01/07/2026 | 781 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.26 | 0.79 | XXXXX | XXXXX | 60.530% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 45.54 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000109552 | XXXXX | Non QM | Yes | No | $20,145.00 | $33,876.50 | 6.889% | $11,674.77 | $11,674.77 | 6.750% | No | No | Self-Employed | Permanent Resident Alien | $25,149.11 | 1 | $45,000.00 | $3,690.96 | $3,750.00 | $307.58 | 41.241% | 41.241% | 41.241% | 12/08/2025 | 708 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2025 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $20,145.00 | 6.180% | $0.00 | 2.4 | None | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 18.83 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000339 | XXXXX | N/A | No | No | $2,026.15 | $2,026.15 | 6.625% | No | No | US Citizen | 1 | $4,554.36 | $440.04 | $379.53 | $36.67 | 0.000% | 0.000% | 0.000% | 12/22/2025 | 783 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 3.1 | No | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.56 | 1.78 | 240 | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Trustee | No | Trustee | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 23.74 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000107154 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $18,095.00 | $20,288.00 | 7.193% | $3,941.57 | $3,941.57 | 6.875% | No | No | Self-Employed | US Citizen | $27,041.72 | 1 | $20,620.08 | $14,808.00 | $1,718.34 | $1,234.00 | 23.597% | 23.597% | 23.597% | 10/30/2025 | 747 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $18,095.00 | 6.270% | $0.00 | None | N/A | No | 6.875% | 0 | 0 | 0 | 3 | 0 | 12.00 | No | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 81.33 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000109154 | XXXXX | N/A | No | No | $1,247.74 | $1,247.74 | 6.375% | No | No | US Citizen | 1 | $5,479.44 | $1,298.04 | $456.62 | $108.17 | 0.000% | 0.000% | 0.000% | 10/10/2025 | 755 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.54 | 0.65 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 8.44 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000109218 | XXXXX | N/A | No | No | $3,655.47 | $3,655.47 | 6.999% | No | No | Permanent Resident Alien | 1 | $9,812.52 | $4,848.96 | $817.71 | $404.08 | 0.000% | 0.000% | 0.000% | 11/18/2025 | 793 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.4 | N/A | No | 6.999% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.02 | 0.98 | XXXXX | XXXXX | 100.000% | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 119.52 | Yes | 18.000% | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000109151 | XXXXX | N/A | No | No | $1,588.55 | $1,588.55 | 7.375% | No | No | US Citizen | 2 | $5,087.64 | $2,191.56 | $423.97 | $182.63 | 0.000% | 0.000% | 0.000% | 08/20/2025 | 714 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.16 | 0.86 | XXXXX | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 16.53 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103910 | XXXXX | N/A | Yes | No | No | $46,645.00 | $17,756.38 | 7.244% | $4,290.77 | $4,290.77 | 6.999% | No | No | Not Employed | Self-Employed | US Citizen | $68,048.06 | 1 | $6,020.04 | $1,062.00 | $501.67 | $88.50 | 7.828% | 7.828% | 7.828% | 08/26/2025 | 807 | No | No | [Coborrower(s) - |
Primary Income - P&L Statement Only]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - P&L Statement Only]; P&L Statement - 2025 |
Alternative Documentation (A) | 1yr P&L w/o Bank Statements | 0 | 0 | 0 | XXXXX | $46,645.00 | 6.220% | $0.00 | None | N/A | No | 6.999% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 127.86 | No | $73,827.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000106604 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $8,615.15 | $9,011.24 | 7.437% | $1,263.95 | $1,263.95 | 6.999% | No | No | Self-Employed | US Citizen | $4,056.88 | 1 | $4,875.00 | $464.04 | $406.25 | $38.67 | 37.871% | 37.871% | 37.871% | 10/29/2025 | 771 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 |
Alternative Documentation (A) | 1yr P&L w/o Bank Statements | 0 | 0 | 0 | XXXXX | $8,615.15 | 6.260% | $5,000.00 | 1.0 | None | N/A | No | 6.999% | 0 | 0 | 0 | 3 | 0 | 12.00 | No | XXXXX | XXXXX | 58.950% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 9.88 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000111831 | XXXXX | Non QM | Yes | No | $1,890.00 | $6,559.99 | 6.285% | $5,258.22 | $5,258.22 | 6.250% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $14,454.21 | 1 | $9,839.16 | $1,890.00 | $819.93 | $157.50 | 44.551% | 44.551% | 44.551% | 786 | Yes | No | [Borrower - |
Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | No | XXXXX | $1,890.00 | 6.060% | $0.00 | 2.6 | None | No | No | 6.250% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 359.86 | Retail | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000110145 | XXXXX | Non QM | Yes | No | $9,548.00 | $12,748.50 | 6.896% | $4,540.19 | $4,540.19 | 6.750% | No | No | Self-Employed | US Citizen | $27,414.89 | 1 | $5,105.16 | $2,384.04 | $425.43 | $198.67 | 27.953% | 27.953% | 27.953% | 01/08/2026 | 708 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 |
Alternative Documentation (A) | 2yr P&L w/o Bank Statements | 0 | 0 | 0 | No | XXXXX | $9,548.00 | 6.180% | $0.00 | 1.4 | None | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 24.00 | No | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 36.99 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000111248 | XXXXX | Non QM | Yes | No | $1,840.00 | $4,024.90 | 6.779% | $4,131.57 | $4,131.57 | 6.750% | No | No | Self-Employed | US Citizen | $67,117.76 | 1 | $10,743.84 | $2,128.20 | $895.32 | $177.35 | 7.282% | 7.282% | 7.282% | 12/10/2025 | 770 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $1,840.00 | 6.270% | $0.00 | 1.0 | None | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 137.46 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000114185 | XXXXX | Non QM | Yes | No | $7,290.00 | $3,027.69 | 7.384% | $13,176.67 | $17,108.42 | 7.375% | No | No | Self-Employed | US Citizen | $53,687.89 | 1 | $33,500.04 | $2,963.04 | $2,791.67 | $246.92 | 39.592% | 35.168% | 39.592% | 12/12/2025 | 764 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 [Borrower - | Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $7,290.00 | 6.170% | $222,000.00 | None | N/A | No | 7.375% | 0 | 0 | 0 | 2 | 0 | 12.00 | No | 240 | XXXXX | XXXXX | 19.160% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 12.82 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 240 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000115272 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $11,868.28 | $14,527.20 | 9.679% | $4,225.29 | $4,225.29 | 9.375% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $19,368.72 | 1 | $6,379.32 | $1,995.96 | $531.61 | $166.33 | 33.910% | 33.910% | 33.910% | 09/09/2025 | 707 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2024 [Borrower - | Primary Income - P&L Statement Only]; Other - 2023 [Coborrower(s) - | Primary Income - P&L Statement Only]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - P&L Statement Only]; Other - 2025 [Coborrower(s) - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Coborrower(s) - | Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Coborrower(s) - | Primary Income - P&L Statement Only]; Other - 2024 [Coborrower(s) - | Primary Income - P&L Statement Only]; Other - 2024 |
[Borrower]; 1084 or income worksheet - Year Not
Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $11,868.28 | 6.170% | $45,000.00 | 4.4 | None | No | No | 9.375% | 0 | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | XXXXX | 19.530% | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 3.52 | Yes | Yes | $23,013.75 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000115388 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $15,300.00 | $21,873.75 | 7.563% | $6,354.21 | $6,354.21 | 7.375% | No | No | Self-Employed | US Citizen | $18,358.30 | 1 | $8,895.60 | $4,382.88 | $741.30 | $365.24 | 42.398% | 42.398% | 42.398% | 11/26/2025 | 791 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Non-Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Non-Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Non-Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Non-Primary Income - P&L Statement Only]; Third Party Verification - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $15,300.00 | 6.170% | $0.00 | 2.1 | None | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | XXXXX | 31.140% | No | Yes | Commitment | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 18.02 | Yes | Yes | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116614 | XXXXX | N/A | No | No | $1,361.70 | $1,361.70 | 6.750% | No | No | US Citizen | 1 | $1,239.36 | $0.00 | $103.28 | $0.00 | 0.000% | 0.000% | 0.000% | 11/14/2025 | 771 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 121.47 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000108915 | XXXXX | Non QM | Yes | No | $1,640.00 | $6,643.70 | 6.546% | $4,550.26 | $4,550.26 | 6.500% | No | No | Not Employed | Non-Employment Income | US Citizen | US Citizen | $3,986.23 | 1 | $3,746.04 | $1,401.96 | $312.17 | $116.83 | 0.000% | 0.000% | 0.000% | 12/23/2025 | 814 | Yes | No | [Coborrower(s) - |
Primary Income - Asset Depletion]; Account Statements - 2025 [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2025 |
[Coborrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.250% | $0.00 | 2.6 | None | Yes | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | Other | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 301.94 | No | $10,713.16 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000112655 | XXXXX | Non QM | Yes | No | $1,640.00 | $8,081.74 | 6.533% | $6,725.20 | $6,725.20 | 6.500% | No | No | Employed | US Citizen | $73,879.82 | 1 | $20,851.44 | $542.04 | $1,737.62 | $45.17 | 37.959% | 37.959% | 37.959% | 12/29/2025 | 728 | No | No | [Borrower - |
Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Non-Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Non-Primary Income - Sole Proprietor]; P&L Statement - 2026 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Borrower]; 1084 or income worksheet - Year Not Available [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.060% | $0.00 | 1.0 | None | Yes | No | 6.500% | 2 | 2 | 0 | 3 | 2 | 0.00 | No | XXXXX | XXXXX | 81.600% | No | 36 | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 69 | No | No | $0.00 | $0.00 | No | No | No | No | 5 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000372 | XXXXX | N/A | No | No | $1,096.94 | $1,096.94 | 7.250% | No | No | US Citizen | 1 | $2,253.60 | $1,005.00 | $187.80 | $83.75 | 0.000% | 0.000% | 0.000% | 01/03/2026 | 755 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.24 | 0.8 | XXXXX | XXXXX | 53.880% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 42.43 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000115848 | XXXXX | N/A | No | No | $1,419.30 | $1,419.30 | 6.375% | No | No | 0 | 0 | US Citizen | US Citizen | 2 | $3,826.08 | $2,493.96 | $318.84 | $207.83 | 0.000% | 0.000% | 0.000% | 12/11/2025 | 806 | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.41 | 0.71 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | LLC | Guarantor - Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 71.78 | Yes | 18.000% | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000109016 | XXXXX | Non QM | Yes | No | $1,640.00 | $3,687.69 | 6.312% | $2,308.94 | $2,308.94 | 6.250% | No | No | Employed | Not Employed | US Citizen | US Citizen | $16,778.09 | 1 | $12,101.28 | $1,162.20 | $1,008.44 | $96.85 | 19.465% | 19.465% | 19.465% | 12/23/2025 | 809 | No | No | [Borrower - |
Primary Income - Wages]; Employer Letter - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Other - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.180% | $0.00 | 1.2 | None | Yes | No | 6.250% | 2 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | 69.890% | No | 12 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 23.74 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116067 | XXXXX | N/A | No | No | $690.61 | $690.61 | 7.374% | No | No | US Citizen | 3 | $3,679.44 | $962.16 | $306.62 | $80.18 | 0.000% | 0.000% | 0.000% | 11/18/2025 | 785 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 7.374% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.32 | 0.43 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 87.48 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000113236 | XXXXX | Non QM | Yes | No | $2,565.00 | $5,300.26 | 7.830% | $4,130.01 | $5,032.14 | 8.659% | No | No | Employed | Permanent Resident Alien | $12,796.03 | 1 | $10,462.32 | $1,860.36 | $871.86 | $155.03 | 32.372% | 31.778% | 32.372% | 01/02/2026 | 814 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $2,565.00 | 6.190% | $0.00 | None | Yes | No | 8.659% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | No | 36 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | No | 2.74 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116376 | XXXXX | N/A | No | No | $1,100.01 | $1,100.01 | 7.250% | No | No | US Citizen | 1 | $4,890.00 | $2,644.56 | $407.50 | $220.38 | 0.000% | 0.000% | 0.000% | 11/03/2025 | 748 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.07 | 0.93 | XXXXX | XXXXX | 90.740% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 76.05 | Yes | 18.000% | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000110777 | XXXXX | Non QM | Yes | No | $1,799.84 | $3,424.03 | 7.046% | $2,874.11 | $2,874.11 | 7.000% | No | No | Employed | Employed | US Citizen | US Citizen | $34,009.11 | 1 | $1,895.16 | $756.96 | $157.93 | $63.08 | 22.504% | 22.504% | 22.504% | 12/31/2025 | 732 | No | No | [Borrower - |
Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; Other - 2026 [Coborrower(s) - | Primary Income - Wages]; Other - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,799.84 | 6.170% | $0.00 | 2.7 | None | No | No | 7.000% | 2 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 100.000% | No | 36 | 36 | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 154.01 | Retail | No | No | $0.00 | $30,374.44 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000113538 | XXXXX | Non QM | Yes | No | $20,000.00 | $10,342.72 | 7.015% | $9,662.37 | $9,662.37 | 6.975% | No | No | Self-Employed | US Citizen | $35,119.69 | 1 | $23,124.96 | $5,919.48 | $1,927.08 | $493.29 | 38.316% | 38.316% | 38.316% | 01/12/2026 | 773 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $20,000.00 | 6.140% | $0.00 | None | No | No | 6.975% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 58.350% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 55.91 | Yes | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000110354 | XXXXX | Non QM | Yes | No | $2,394.00 | $3,166.27 | 6.702% | $1,664.81 | $1,664.81 | 6.625% | No | No | Employed | US Citizen | $7,678.97 | 1 | $6,011.04 | $3,168.12 | $500.92 | $264.01 | 38.917% | 38.917% | 38.917% | 12/29/2025 | 800 | No | No | [Borrower - |
Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; Transcripts (1040) - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $2,394.00 | 6.170% | $0.00 | 3.3 | None | No | No | 6.625% | 3 | 0 | 0 | 3 | 3 | 0.00 | No | XXXXX | XXXXX | 57.720% | No | 24 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 46.64 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000114672 | XXXXX | N/A | No | No | $2,665.00 | $6,089.00 | 6.779% | $6,667.59 | $6,667.59 | 6.750% | No | No | Not Employed | Self-Employed | Permanent Resident Alien | $43,479.34 | 1 | $26,338.08 | $3,205.20 | $2,194.84 | $267.10 | 35.090% | 35.090% | 35.090% | 01/07/2026 | 721 | No | No | [Coborrower(s) - |
Primary Income - P&L Statement Only]; Other - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; Other - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - P&L Statement Only]; Other - 2021 [Coborrower(s) - | Primary Income - P&L Statement Only]; Other - 2021 [Coborrower(s) - | Primary Income - P&L Statement Only]; Other - 2021 [Coborrower(s) - | Primary Income - P&L Statement Only]; Third Party Verification - 2021 |
Alternative Documentation (A) | 2yr P&L w/o Bank Statements | 0 | 0 | 0 | No | XXXXX | $2,665.00 | 6.100% | $0.00 | 2.2 | None | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | No | 35.75 | No | No | $66,983.80 | $0.00 | No | No | No | No | 4 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000112475 | XXXXX | Non QM | Yes | No | $13,088.75 | $13,438.84 | 6.900% | $4,742.87 | $4,742.87 | 6.750% | No | No | Self-Employed | Permanent Resident Alien | $17,385.14 | 1 | $12,187.56 | $1,029.36 | $1,015.63 | $85.78 | 28.295% | 28.295% | 28.295% | 01/15/2026 | 761 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 |
Alternative Documentation (A) | 2yr P&L w/o Bank Statements | 0 | 0 | 0 | No | XXXXX | $13,088.75 | 6.130% | $0.00 | 1.0 | None | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 24.00 | No | XXXXX | XXXXX | 29.630% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 4.59 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000115042 | XXXXX | Non QM | Yes | No | $5,745.00 | $8,660.62 | 7.048% | $1,248.61 | $1,248.61 | 6.625% | No | No | Employed | US Citizen | $4,515.44 | 1 | $5,562.48 | $1,336.92 | $463.54 | $111.41 | 34.559% | 34.559% | 34.559% | 01/06/2026 | 809 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $5,745.00 | 6.100% | $1,300.00 | 1.0 | None | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 75.640% | No | 25 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 31.24 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000115578 | XXXXX | N/A | No | No | $2,904.84 | $2,904.84 | 7.389% | No | No | US Citizen | 2 | $10,573.56 | $1,952.04 | $881.13 | $162.67 | 0.000% | 0.000% | 0.000% | 12/09/2025 | 801 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | No | No | 7.389% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.16 | 0.86 | XXXXX | XXXXX | 8.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 18.12 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000109710 | XXXXX | Non QM | Yes | No | $1,640.00 | $4,277.30 | 6.825% | $2,433.54 | $2,433.54 | 6.750% | No | No | Employed | Employed | US Citizen | US Citizen | $17,632.96 | 1 | $1,081.08 | $1,659.96 | $90.09 | $138.33 | 29.700% | 29.700% | 29.700% | 01/08/2026 | 797 | No | No | [Borrower - |
Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - No Results Returned - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Coborrower(s) - | Primary Income - Wages]; Other - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - No Results Returned - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.180% | $0.00 | 1.0 | None | No | No | 6.750% | 2 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 100.000% | No | 36 | 36 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | 208.42 | No | No | $0.00 | $9,134.62 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000107775 | XXXXX | Non QM | Yes | No | $2,609.00 | $7,025.69 | 6.825% | $4,189.94 | $4,189.94 | 6.750% | No | No | Employed | Employed | US Citizen | US Citizen | $16,210.87 | 1 | $10,694.76 | $1,101.96 | $891.23 | $91.83 | 29.791% | 29.791% | 29.791% | 12/22/2025 | 803 | No | No | [Borrower - |
Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $2,609.00 | 6.250% | $0.00 | 1.0 | None | Yes | No | 6.750% | 3 | 3 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | 87.180% | No | 36 | 35 | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 85.44 | No | No | $0.00 | $9,194.47 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000114197 | XXXXX | Non QM | Yes | No | $1,640.00 | $3,802.98 | 7.291% | $3,574.60 | $3,574.60 | 7.250% | No | No | Non-Employment Income | US Citizen | $10,396.71 | 1 | $8,435.28 | $1,519.44 | $702.94 | $126.62 | 0.000% | 0.000% | 0.000% | 01/08/2026 | 754 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion (Residual Income) | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.100% | $0.00 | 1.0 | None | Yes | No | 7.250% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 306.86 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000115365 | XXXXX | N/A | No | No | $1,783.00 | $1,783.00 | 7.500% | No | No | US Citizen | 2 | $4,143.48 | $1,242.96 | $345.29 | $103.58 | 0.000% | 0.000% | 0.000% | 02/02/2026 | 766 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.16 | 0.86 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 23.3 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000112553 | XXXXX | N/A | No | No | $7,830.00 | $3,372.22 | 7.226% | $1,724.72 | $1,724.72 | 7.125% | No | No | Self-Employed | US Citizen | $16,962.89 | 1 | $7,344.96 | $2,523.00 | $612.08 | $210.25 | 25.178% | 25.178% | 25.178% | 01/13/2026 | 758 | No | Yes | 12 | Business | 100.000% | 75.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 75.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 75.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 75.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 75.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 75.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 75.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 75.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 75.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $7,830.00 | 6.060% | $0.00 | 1.9 | None | Yes | No | 7.125% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 43.120% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 26.33 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000113298 | XXXXX | N/A | No | No | $11,173.62 | $11,173.62 | 7.125% | No | No | 0 | US Citizen | US Citizen | US Citizen | 1 | $28,944.96 | $4,746.96 | $2,412.08 | $395.58 | 0.000% | 0.000% | 0.000% | 01/26/2026 | 760 | 760 | 764 | 752 | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.79 | 1.27 | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 36.28 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116075 | XXXXX | N/A | No | No | $1,468.00 | $0.00 | 7.063% | $2,182.79 | $2,182.79 | 7.094% | No | No | Self-Employed | US Citizen | $8,360.83 | 1 | $3,545.76 | $1,218.96 | $295.48 | $101.58 | 44.578% | 44.578% | 44.578% | 01/26/2026 | 780 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $1,468.00 | 6.130% | $9,999.87 | 1.0 | None | Yes | No | 7.094% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 1.050% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 22.88 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117008 | XXXXX | Non QM | Yes | No | $9,749.00 | $11,970.95 | 6.890% | $4,789.25 | $4,789.25 | 6.750% | No | No | Employed | US Citizen | $8,887.75 | 1 | $6,707.04 | $2,547.00 | $558.92 | $212.25 | 42.036% | 42.036% | 42.036% | 01/23/2026 | 803 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $9,749.00 | 6.130% | $210,000.00 | 2.0 | None | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 4.030% | No | 25 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 5.15 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000113453 | XXXXX | Non QM | Yes | No | $5,754.88 | $2,690.88 | 7.188% | $1,913.31 | $1,913.31 | 7.125% | No | No | Employed | US Citizen | $5,927.68 | 1 | $5,560.08 | $1,620.84 | $463.34 | $135.07 | 42.390% | 42.390% | 42.390% | 11/25/2025 | 761 | No | No | [Borrower - |
Non-Primary Income - Wages]; VVOE - 2026 [Borrower - | Non-Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $5,754.88 | 6.140% | $13,000.00 | None | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 4.030% | No | 12 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 5.95 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116371 | XXXXX | Non QM | Yes | No | $5,293.00 | $7,888.50 | 6.504% | $3,181.74 | $3,181.74 | 6.375% | No | No | Employed | US Citizen | $7,259.75 | 4 | $14,034.00 | $3,714.12 | $1,169.50 | $309.51 | 39.490% | 39.490% | 39.490% | 11/04/2025 | 808 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $5,293.00 | 6.130% | $0.00 | None | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 65.250% | No | 34 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 34.29 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116791 | XXXXX | Non QM | Yes | No | $22,994.95 | $25,889.62 | 7.310% | $5,268.13 | $5,268.13 | 7.000% | No | No | Self-Employed | US Citizen | $9,407.71 | 1 | $12,328.32 | $2,173.56 | $1,027.36 | $181.13 | 44.610% | 44.610% | 44.610% | 01/23/2026 | 775 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $22,994.95 | 6.130% | $1,500.00 | None | Yes | No | 7.000% | 0 | 0 | 0 | 3 | 0 | 12.00 | No | XXXXX | XXXXX | 37.220% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 14.42 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116414 | XXXXX | Non QM | Yes | No | $21,495.00 | $7,795.95 | 6.935% | $6,405.06 | $6,405.06 | 6.875% | No | No | Self-Employed | US Citizen | $18,429.06 | 1 | $16,250.04 | $3,041.76 | $1,354.17 | $253.48 | 33.860% | 33.860% | 33.860% | 11/27/2025 | 775 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | Yes | XXXXX | $21,495.00 | 6.130% | $0.00 | 2.5 | None | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | XXXXX | 65.370% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 62.96 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000115076 | XXXXX | N/A | No | No | $3,734.97 | $3,734.97 | 6.750% | No | No | US Citizen | US Citizen | 1 | $9,826.08 | $984.00 | $818.84 | $82.00 | 0.000% | 0.000% | 0.000% | 01/12/2026 | 754 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.19 | 0.84 | XXXXX | XXXXX | 81.690% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 99.03 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000111696 | XXXXX | Non QM | Yes | No | $2,225.00 | $7,449.22 | 6.530% | $6,447.09 | $6,447.09 | 6.500% | No | No | Self-Employed | US Citizen | $12,571.60 | 1 | $20,819.64 | $2,816.04 | $1,734.97 | $234.67 | 44.310% | 44.310% | 44.310% | 01/13/2026 | 789 | No | No | Third Party Prepared (Unaudited) | [Borrower - |
Primary Income - S-Corp (>= 25%)]; Other - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Paystubs - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; Business Account Transcripts - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; Business Account Transcripts - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $2,225.00 | 6.060% | $0.00 | 1.6 | None | Yes | No | 6.500% | 3 | 2 | 0 | 3 | 2 | 12.00 | No | XXXXX | XXXXX | 56.590% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 52.27 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000113531 | XXXXX | Non QM | Yes | No | $2,705.00 | $4,759.49 | 7.008% | $1,760.57 | $1,760.57 | 6.875% | No | No | Non-Employment Income | US Citizen | $10,250.90 | 1 | $3,387.00 | $399.60 | $282.25 | $33.30 | 42.893% | 42.893% | 42.893% | 01/16/2026 | 810 | Yes | No | [Borrower - |
Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Non-Primary Income - Pension]; Paystubs - 2026 [Borrower - | Non-Primary Income - Pension]; 1099-R - 2024 [Borrower - | Non-Primary Income - Pension]; 1099-R - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | No | XXXXX | $2,705.00 | 6.140% | $0.00 | 1.0 | None | Yes | No | 6.875% | 0 | 0 | 0 | 1 | 0 | 0.00 | No | 60 | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 171.63 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000114104 | XXXXX | Non QM | Yes | No | $2,565.00 | $4,629.00 | 7.832% | $4,302.89 | $5,242.31 | 8.658% | No | No | Employed | US Citizen | $12,556.78 | 1 | $7,797.00 | $876.96 | $649.75 | $73.08 | 41.596% | 41.055% | 41.596% | 01/29/2026 | 765 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $2,565.00 | 6.190% | $0.00 | 1.0 | None | N/A | No | 8.658% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | No | 36 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 3.47 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000109011 | XXXXX | N/A | No | No | $928.98 | $928.98 | 7.625% | No | No | Not Employed | Not Employed | US Citizen | 2 | $2,514.48 | $2,775.84 | $209.54 | $231.32 | 0.000% | 0.000% | 0.000% | 01/15/2026 | 711 | No | No | Full Documentation (F) | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | None | No | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.24 | 0.81 | XXXXX | XXXXX | 0.850% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 16.26 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116935 | XXXXX | N/A | No | No | $2,021.16 | $2,021.16 | 7.125% | No | No | US Citizen | 1 | $9,966.24 | $5,252.04 | $830.52 | $437.67 | 0.000% | 0.000% | 0.000% | 02/02/2026 | 807 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.4 | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.37 | 0.73 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 82.67 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000115510 | XXXXX | N/A | No | No | $957.09 | $957.09 | 7.875% | No | No | US Citizen | 1 | $2,871.72 | $1,697.52 | $239.31 | $141.46 | 0.000% | 0.000% | 0.000% | 01/16/2026 | 742 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.08 | 0.92 | XXXXX | XXXXX | 75.070% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 62.18 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116714 | XXXXX | N/A | No | No | $621.61 | $621.61 | 7.375% | No | No | US Citizen | 2 | $1,820.76 | $3,378.96 | $151.73 | $281.58 | 0.000% | 0.000% | 0.000% | 01/02/2026 | 671 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.09 | 0.48 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 72.88 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000115446 | XXXXX | N/A | No | No | $1,686.36 | $1,686.36 | 6.750% | No | No | Permanent Resident Alien | 1 | $9,746.88 | $3,927.96 | $812.24 | $327.33 | 0.000% | 0.000% | 0.000% | 12/08/2025 | 727 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.24 | 0.81 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 84.47 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000114848 | XXXXX | Non QM | Yes | No | $2,465.00 | $4,685.27 | 7.957% | $3,424.24 | $4,066.30 | 8.658% | No | No | Employed | Non-Permanent Resident Alien | XXX | $8,456.94 | 1 | $8,687.52 | $1,221.60 | $723.96 | $101.80 | 39.593% | 39.621% | 39.593% | 01/07/2026 | 716 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $2,465.00 | 6.160% | $4,800.00 | 1.0 | None | N/A | No | 8.658% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 30.370% | No | 36 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Employment Authorization | 2.3 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000114439 | XXXXX | N/A | No | No | $20,150.00 | $6,095.50 | 6.758% | $2,561.24 | $2,561.24 | 6.625% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $50,988.73 | 1 | $9,624.96 | $1,001.88 | $802.08 | $83.49 | 18.763% | 18.763% | 18.763% | 01/22/2026 | 771 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $20,150.00 | 6.140% | $0.00 | 1.3 | None | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 29.520% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 14.47 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000115931 | XXXXX | N/A | No | No | $3,613.11 | $3,613.11 | 6.875% | No | No | US Citizen | 1 | $15,841.08 | $1,818.00 | $1,320.09 | $151.50 | 0.000% | 0.000% | 0.000% | 02/04/2026 | 723 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.4 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.18 | 0.85 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 78.18 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116655 | XXXXX | N/A | No | No | $2,241.09 | $2,241.09 | 6.625% | No | No | US Citizen | 1 | $10,724.04 | $4,758.96 | $893.67 | $396.58 | 0.000% | 0.000% | 0.000% | 01/09/2026 | 730 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.08 | 0.93 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 91.81 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116242 | XXXXX | N/A | No | No | $1,109.10 | $1,109.10 | 6.750% | No | No | US Citizen | 1 | $2,980.80 | $1,131.96 | $248.40 | $94.33 | 0.000% | 0.000% | 0.000% | 02/04/2026 | 758 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 3.7 | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.76 | 1.32 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 26.53 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000114531 | XXXXX | Non QM | Yes | No | $1,468.00 | $3,376.76 | 7.165% | $4,205.35 | $5,086.82 | 8.158% | No | No | Self-Employed | US Citizen | $15,215.06 | 1 | $21,428.16 | $3,080.04 | $1,785.68 | $256.67 | 46.725% | 43.639% | 46.725% | 01/23/2026 | 815 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2013 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $1,468.00 | 5.960% | $0.00 | 1.0 | None | No | No | 8.158% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 28.13 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000113708 | XXXXX | N/A | No | No | $11,147.72 | $5,273.41 | 7.467% | $3,295.35 | $3,295.35 | 7.375% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $8,356.74 | 1 | $10,663.80 | $846.96 | $888.65 | $70.58 | 47.771% | 47.771% | 47.771% | 01/14/2026 | 783 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements
Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $11,147.72 | 6.140% | $0.00 | 1.0 | None | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 15.460% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 11.7 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000113826 | XXXXX | Non QM | Yes | No | $6,122.00 | $7,429.90 | 6.170% | $2,249.63 | $2,249.63 | 6.000% | No | No | Employed | US Citizen | $5,400.82 | 1 | $11,318.76 | $4,568.04 | $943.23 | $380.67 | 41.295% | 41.295% | 41.295% | 01/27/2026 | 805 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $6,122.00 | 6.140% | $0.00 | 1.0 | None | N/A | No | 6.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 52.200% | No | 25 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 11.08 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117003 | XXXXX | Non QM | Yes | No | $2,420.00 | $6,550.43 | 7.762% | $3,805.61 | $4,758.64 | 8.658% | No | No | Self-Employed | Non-Permanent Resident Alien | XXX | $28,475.27 | 1 | $13,575.96 | $2,808.12 | $1,131.33 | $234.01 | 17.700% | 17.078% | 17.700% | 02/02/2026 | 732 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $2,420.00 | 6.160% | $1,000.00 | 1.7 | None | N/A | No | 8.658% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 35.540% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Employment Authorization | 0.75 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116069 | XXXXX | N/A | No | No | $1,543.78 | $1,543.78 | 6.875% | No | No | US Citizen | 1 | $8,662.32 | $2,796.00 | $721.86 | $233.00 | 0.000% | 0.000% | 0.000% | 12/02/2025 | 812 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.28 | 0.78 | XXXXX | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 87.91 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000112924 | XXXXX | Non QM | Yes | No | $3,260.00 | $5,372.89 | 6.989% | $2,627.72 | $2,627.72 | 6.875% | No | No | Self-Employed | Permanent Resident Alien | $6,392.56 | 1 | $8,066.64 | $830.04 | $672.22 | $69.17 | 37.886% | 37.886% | 37.886% | 02/09/2026 | 673 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 |
Alternative Documentation (A) | 2yr P&L w/o Bank Statements | 0 | 0 | 0 | No | XXXXX | $3,260.00 | 6.060% | $0.00 | 1.0 | None | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 24.00 | No | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | No | 6.72 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000113238 | XXXXX | Non QM | Yes | No | $14,370.00 | $0.00 | 6.111% | $3,037.99 | $3,037.99 | 6.125% | No | No | Employed | US Citizen | $8,002.85 | 1 | $13,754.88 | $1,319.04 | $1,146.24 | $109.92 | 38.440% | 38.440% | 38.440% | 01/19/2026 | 740 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $14,370.00 | 6.140% | $22,432.00 | 1.0 | None | N/A | No | 6.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 56.240% | No | 36 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 16.38 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000115257 | XXXXX | Non QM | Yes | No | $2,365.00 | $3,838.28 | 6.796% | $3,875.37 | $3,875.37 | 6.750% | No | No | Self-Employed | US Citizen | $30,297.38 | 1 | $7,072.80 | $3,252.96 | $589.40 | $271.08 | 22.233% | 22.233% | 22.233% | 01/30/2026 | 764 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $2,365.00 | 6.100% | $0.00 | 1.4 | None | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 28.590% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 3.22 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116052 | XXXXX | Non QM | Yes | No | $31,695.00 | $6,391.53 | 6.260% | $14,777.21 | $14,777.21 | 6.250% | No | No | Self-Employed | US Citizen | $42,379.57 | 1 | $90,958.20 | $9,891.60 | $7,579.85 | $824.30 | 37.672% | 37.672% | 37.672% | 01/15/2026 | 766 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Yes | XXXXX | $31,695.00 | 6.130% | $0.00 | 2.6 | None | N/A | No | 6.250% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 22.590% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 32.47 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000114421 | XXXXX | N/A | No | No | $1,594.71 | $1,594.71 | 6.250% | No | No | US Citizen | 1 | $4,687.56 | $1,446.96 | $390.63 | $120.58 | 0.000% | 0.000% | 0.000% | 01/21/2026 | 812 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.28 | 0.78 | XXXXX | XXXXX | 43.470% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 17.24 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000115700 | XXXXX | N/A | No | No | $2,994.58 | $2,994.58 | 6.375% | No | No | US Citizen | 3 | $11,027.76 | $3,746.40 | $918.98 | $312.20 | 0.000% | 0.000% | 0.000% | 01/21/2026 | 792 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.86 | 0.54 | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 108.67 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000115364 | XXXXX | Non QM | Yes | No | $2,565.00 | $6,309.13 | 6.466% | $3,568.54 | $3,568.54 | 6.375% | No | No | Employed | Permanent Resident Alien | $6,756.98 | 1 | $9,062.52 | $1,405.92 | $755.21 | $117.16 | 40.556% | 40.556% | 40.556% | 01/27/2026 | 806 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $2,565.00 | 6.100% | $0.00 | 1.0 | None | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 3.090% | No | 25 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 3.23 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000114470 | XXXXX | Non QM | Yes | No | $10,671.36 | $14,527.03 | 6.611% | $3,343.94 | $3,343.94 | 6.375% | No | No | Self-Employed | US Citizen | $9,843.99 | 1 | $7,835.52 | $769.32 | $652.96 | $64.11 | 30.676% | 30.676% | 30.676% | 01/05/2026 | 787 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $10,671.36 | 6.140% | $20,100.00 | 1.0 | None | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | XXXXX | 18.270% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 6.29 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000113122 | XXXXX | Non QM | Yes | No | $0.00 | $2,337.90 | 6.506% | $5,976.84 | $5,976.84 | 6.500% | No | No | Self-Employed | US Citizen | $13,035.98 | 1 | $8,582.88 | $4,733.16 | $715.24 | $394.43 | 37.053% | 37.053% | 37.053% | 01/15/2026 | 784 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | 6.140% | $50,000.00 | 2.9 | None | Yes | No | 6.500% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 18.380% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 11.81 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000113653 | XXXXX | Non QM | Yes | No | $26,481.00 | $1,028.42 | 6.490% | $6,636.71 | $6,636.71 | 6.500% | No | No | Self-Employed | US Citizen | $22,025.13 | 1 | $15,791.40 | $5,802.00 | $1,315.95 | $483.50 | 29.480% | 29.480% | 29.480% | 01/09/2026 | 795 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $26,481.00 | 6.060% | $105,000.00 | 2.2 | None | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | XXXXX | 38.850% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 88.07 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000115137 | XXXXX | Non QM | Yes | No | $2,565.00 | $9,496.67 | 7.813% | $5,309.37 | $6,552.89 | 8.658% | No | No | Self-Employed | Permanent Resident Alien | $22,951.13 | 1 | $15,000.00 | $2,070.00 | $1,250.00 | $172.50 | 40.152% | 39.575% | 40.152% | 12/29/2025 | 728 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2024 |
Alternative Documentation (A) | 2yr P&L w/o Bank Statements | 0 | 0 | 0 | No | XXXXX | $2,565.00 | 6.160% | $2,000.00 | None | N/A | No | 8.658% | 0 | 0 | 0 | 0 | 0 | 24.00 | No | XXXXX | XXXXX | 5.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 8.97 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116237 | XXXXX | N/A | No | No | $1,965.19 | $1,965.19 | 6.375% | No | No | US Citizen | 2 | $10,212.48 | $3,870.00 | $851.04 | $322.50 | 0.000% | 0.000% | 0.000% | 01/21/2026 | 777 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | No | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.77 | 0.57 | XXXXX | No | Yes | Final | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 94.03 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000114491 | XXXXX | N/A | No | No | $5,024.23 | $5,024.23 | 7.250% | No | No | US Citizen | 3 | $12,275.04 | $1,653.96 | $1,022.92 | $137.83 | 0.000% | 0.000% | 0.000% | 12/17/2025 | 766 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.12 | 0.89 | XXXXX | XXXXX | 22.700% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 7.4 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000382 | XXXXX | Non QM | Yes | No | $1,950.00 | $9,181.17 | 6.313% | $6,003.24 | $6,003.24 | 6.250% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $13,722.55 | 1 | $16,250.04 | $8,952.96 | $1,354.17 | $746.08 | 47.624% | 47.624% | 47.624% | 01/23/2026 | 797 | No | Yes | 24 | Business | 100.000% | 50.000% | 50.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense
Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $1,950.00 | 6.060% | $0.00 | 1.1 | None | Yes | No | 6.250% | 0 | 0 | 0 | 0 | 2 | 0 | 24 | 0.00 | No | XXXXX | XXXXX | 67.430% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 64.44 | Yes | No | $13,100.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000115035 | XXXXX | Non QM | Yes | No | $14,223.00 | $19,802.40 | 6.723% | $5,056.02 | $5,056.02 | 6.499% | No | No | Non-Employment Income | US Citizen | $23,466.72 | 1 | $12,500.04 | $1,190.04 | $1,041.67 | $99.17 | 20.984% | 20.984% | 20.984% | 12/16/2025 | 817 | Yes | No | [Borrower - |
Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | No | XXXXX | $14,223.00 | 6.100% | $3,000.00 | 2.5 | None | N/A | No | 6.499% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 60 | XXXXX | XXXXX | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 291.58 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117222 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $19,219.00 | $24,076.22 | 9.001% | $3,758.45 | $3,758.45 | 8.500% | No | No | Self-Employed | US Citizen | $9,062.30 | 1 | $10,930.56 | $1,421.04 | $910.88 | $118.42 | 43.447% | 43.447% | 43.447% | 12/31/2025 | 673 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $19,219.00 | 6.100% | $0.00 | None | N/A | No | 8.500% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | XXXXX | 1.620% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 6.01 | Yes | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000113842 | XXXXX | N/A | No | No | $8,163.07 | $7,513.19 | 7.782% | $1,812.19 | $1,812.19 | 7.499% | No | No | Self-Employed | US Citizen | $40,067.47 | 1 | $3,783.48 | $2,654.04 | $315.29 | $221.17 | 19.811% | 19.811% | 19.811% | 01/28/2026 | 757 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; Account Transcripts - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $8,163.07 | 6.140% | $5,000.00 | 1.0 | None | Yes | No | 7.499% | 0 | 0 | 0 | 0 | 1 | 12 | 0.00 | No | XXXXX | XXXXX | 0.920% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 19.34 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117229 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $35,227.50 | $41,847.46 | 7.754% | $10,481.23 | $10,481.23 | 7.500% | No | No | Employed | Employed | US Citizen | US Citizen | $17,233.74 | 3 | $10,206.36 | $6,018.00 | $850.53 | $501.50 | 44.407% | 44.407% | 44.407% | 02/09/2026 | 722 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 1084 or income worksheet - Year Not
Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $35,227.50 | 6.180% | $0.00 | None | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 28.800% | No | 12 | 12 | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 4.61 | Yes | $0.00 | $15,000.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116872 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $6,337.50 | $7,750.17 | 8.234% | $2,366.39 | $2,366.39 | 8.000% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $11,388.08 | 1 | $6,824.64 | $5,163.00 | $568.72 | $430.25 | 44.635% | 44.635% | 44.635% | 09/30/2025 | 708 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - P&L Statement Only]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Coborrower(s) - | Primary Income - P&L Statement Only]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - P&L Statement Only]; Third Party Verification - 2025 |
[Borrower]; 1084 or income worksheet - Year Not
Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $6,337.50 | 6.230% | $12,900.00 | 1.5 | None | Yes | No | 8.000% | 0 | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | XXXXX | 43.630% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 21.64 | No | Yes | $5,769.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000110821 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $10,525.00 | $13,231.00 | 8.211% | $2,755.26 | $2,755.26 | 7.875% | No | No | Employed | Permanent Resident Alien | $4,765.33 | 1 | $10,304.88 | $1,979.04 | $858.74 | $164.92 | 44.655% | 44.655% | 44.655% | 09/18/2025 | 754 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $10,525.00 | 6.230% | $0.00 | 1.0 | None | Yes | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 36.630% | No | 12 | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 20.11 | Yes | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116866 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $9,000.00 | $10,819.33 | 7.699% | $1,637.22 | $1,637.22 | 7.250% | No | No | Employed | US Citizen | $2,912.74 | 1 | $5,072.64 | $1,458.00 | $422.72 | $121.50 | 46.226% | 46.226% | 46.226% | 08/26/2025 | 745 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $9,000.00 | 6.160% | $7,972.00 | 1.0 | None | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 39.300% | No | 12 | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 13.7 | Yes | Yes | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116833 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $6,009.38 | $7,909.02 | 8.027% | $1,988.04 | $1,988.04 | 7.750% | No | No | Self-Employed | US Citizen | $9,620.45 | 1 | $7,260.00 | $3,324.12 | $605.00 | $277.01 | 30.491% | 30.491% | 30.491% | 10/25/2025 | 700 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $6,009.38 | 6.260% | $110,000.00 | 1.0 | None | Yes | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | XXXXX | 8.390% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 9.54 | Yes | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000341 | XXXXX | Non QM | Yes | No | $1,050.00 | $5,660.65 | 6.259% | $15,625.00 | $21,927.85 | 6.250% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $139,092.11 | 1 | $61,866.60 | $7,272.96 | $5,155.55 | $606.08 | 20.208% | 16.592% | 20.208% | 01/13/2026 | 771 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $1,050.00 | 6.170% | $0.00 | 2.1 | None | No | No | 6.250% | 0 | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | 240 | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 81.67 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 240 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116255 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $20,040.00 | $26,068.50 | 7.298% | $8,327.16 | $8,327.16 | 7.125% | No | No | Self-Employed | US Citizen | $47,390.66 | 1 | $32,972.04 | $4,065.00 | $2,747.67 | $338.75 | 42.238% | 42.238% | 42.238% | 01/29/2026 | 787 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | Yes | XXXXX | $20,040.00 | 6.100% | $0.00 | 1.4 | None | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | XXXXX | 23.540% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 6.38 | No | Yes | $0.00 | $0.00 | No | No | No | No | 4 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116881 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $7,250.00 | $9,484.09 | 7.317% | $1,746.42 | $1,746.42 | 7.000% | No | No | Self-Employed | US Citizen | $4,118.94 | 1 | $4,558.20 | $1,265.52 | $379.85 | $105.46 | 36.794% | 36.794% | 36.794% | 12/11/2025 | 768 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $7,250.00 | 6.060% | $12,100.00 | None | No | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | XXXXX | 35.060% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 10.06 | Yes | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000110649 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $8,460.00 | $10,189.57 | 8.502% | $2,614.41 | $2,614.41 | 8.250% | No | No | Self-Employed | US Citizen | $5,371.64 | 1 | $5,870.40 | $1,143.96 | $489.20 | $95.33 | 41.106% | 41.106% | 41.106% | 11/12/2025 | 734 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2023 [Borrower - | Primary Income - P&L Statement Only]; Other - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $8,460.00 | 6.260% | $10,000.00 | 5.0 | None | Yes | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | XXXXX | 11.890% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 8.77 | Yes | Yes | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000110653 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $22,206.40 | $26,259.90 | 8.096% | $8,294.79 | $8,294.79 | 7.875% | No | No | Self-Employed | US Citizen | $24,951.12 | 1 | $9,536.04 | $1,674.00 | $794.67 | $139.50 | 33.962% | 33.962% | 33.962% | 11/14/2025 | 744 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 1yr P&L w/o Bank Statements | 0 | 0 | 0 | No | XXXXX | $22,206.40 | 6.190% | $10,000.00 | 1.0 | None | No | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | XXXXX | 24.400% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 4.15 | Yes | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116675 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $7,500.00 | $9,701.83 | 8.011% | $1,698.70 | $1,698.70 | 7.625% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $3,453.07 | 1 | $0.00 | $425.04 | $0.00 | $35.42 | 45.120% | 45.120% | 45.120% | 01/12/2026 | 757 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $7,500.00 | 6.100% | $0.00 | None | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | XXXXX | 18.720% | No | Yes | Shares/Stock/Ownership (Co-op) | Leasehold | Individual | Individual | Individual | Individual | No | Individual | No | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 9.69 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116825 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $16,970.00 | $21,482.50 | 8.148% | $5,278.51 | $5,278.51 | 7.875% | No | No | Self-Employed | US Citizen | $9,271.38 | 1 | $7,148.28 | $1,509.00 | $595.69 | $125.75 | 44.758% | 44.758% | 44.758% | 01/20/2026 | 713 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 [Borrower - | Primary Income - P&L Statement Only]; Audited P&L - 2025 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $16,970.00 | 6.100% | $0.00 | 1.0 | None | No | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | XXXXX | 27.440% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 3.15 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000110794 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $9,820.00 | $7,146.06 | 8.366% | $3,125.27 | $3,125.27 | 8.250% | No | No | Non-Employment Income | US Citizen | $13,396.32 | 1 | $5,193.96 | $1,650.60 | $432.83 | $137.55 | 25.244% | 25.244% | 25.244% | 11/14/2025 | 708 | Yes | No | [Borrower - |
Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | No | XXXXX | $9,820.00 | 6.230% | $13,000.00 | 1.0 | None | Yes | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 60 | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 307.03 | Yes | Yes | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116451 | XXXXX | N/A | No | No | $1,684.30 | $1,684.30 | 7.125% | No | No | Permanent Resident Alien | 2 | $7,543.68 | $3,147.96 | $628.64 | $262.33 | 0.000% | 0.000% | 0.000% | 02/03/2026 | 675 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.67 | 0.6 | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 93.94 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000113810 | XXXXX | Safe Harbor QM (APOR) | Yes | No | $2,240.00 | $3,815.00 | 6.395% | $7,486.44 | $7,486.44 | 6.375% | No | No | Self-Employed | US Citizen | $20,414.68 | 1 | $35,096.04 | $2,316.96 | $2,924.67 | $193.08 | 39.467% | 39.467% | 39.467% | 01/13/2026 | 811 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2014 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2013 |
Alternative Documentation (A) | 2yr P&L w/o Bank Statements | 0 | 0 | 0 | No | XXXXX | $2,240.00 | 6.140% | $0.00 | 1.1 | None | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 36.00 | No | Not Stated | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 7.76 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116394 | XXXXX | Non QM | Yes | No | $2,390.00 | $4,013.52 | 6.792% | $4,767.20 | $4,767.20 | 6.750% | No | No | Self-Employed | US Citizen | $9,245.67 | 1 | $6,341.76 | $3,098.52 | $528.48 | $258.21 | 43.930% | 43.930% | 43.930% | 01/27/2026 | 698 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 [Borrower - | Primary Income - P&L Statement Only]; Audited P&L - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2008 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 1yr P&L w/o Bank Statements | 0 | 0 | 0 | No | XXXXX | $2,390.00 | 6.130% | $0.00 | 1.0 | None | No | No | 6.750% | 0 | 0 | 0 | 2 | 0 | 12.00 | No | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 60.17 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000115627 | XXXXX | N/A | No | No | $1,921.49 | $1,921.49 | 6.500% | No | No | US Citizen | 1 | $3,942.48 | $1,561.56 | $328.54 | $130.13 | 0.000% | 0.000% | 0.000% | 11/21/2025 | 790 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.3 | Yes | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | XXXXX | XXXXX | 29.380% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 12.7 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000114081 | XXXXX | Non QM | Yes | No | $15,314.00 | $20,315.23 | 6.648% | $4,287.23 | $4,287.23 | 6.375% | No | No | Self-Employed | US Citizen | $9,261.90 | 1 | $10,737.48 | $1,752.96 | $894.79 | $146.08 | 36.822% | 36.822% | 36.822% | 01/20/2026 | 814 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 |
Alternative Documentation (A) | 2yr P&L w/o Bank Statements | 0 | 0 | 0 | No | XXXXX | $15,314.00 | 6.140% | $0.00 | 1.0 | None | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 24.00 | No | XXXXX | XXXXX | 34.130% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 17.25 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000115139 | XXXXX | Non QM | Yes | No | $2,565.00 | $4,935.52 | 6.406% | $5,926.76 | $5,926.76 | 6.375% | No | No | Self-Employed | Permanent Resident Alien | $11,699.96 | 1 | $26,874.96 | $1,544.64 | $2,239.58 | $128.72 | 42.036% | 42.036% | 42.036% | 01/28/2026 | 694 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 |
Alternative Documentation (A) | 2yr P&L w/o Bank Statements | 0 | 0 | 0 | No | XXXXX | $2,565.00 | 6.100% | $0.00 | None | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 24.00 | No | XXXXX | XXXXX | 36.580% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 0.62 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000113612 | XXXXX | Non QM | Yes | No | $15,000.00 | $3,517.28 | 6.506% | $6,320.68 | $6,320.68 | 6.500% | No | No | Non-Employment Income | US Citizen | $50,248.57 | 1 | $31,701.48 | $3,593.04 | $2,641.79 | $299.42 | 22.695% | 22.695% | 22.695% | 01/07/2026 | 810 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 | Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | No | XXXXX | $15,000.00 | 6.140% | $0.00 | 3.2 | None | No | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | Other | XXXXX | XXXXX | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 753.5 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000115281 | XXXXX | N/A | No | No | $5,911.88 | $5,911.88 | 7.125% | No | No | US Citizen | US Citizen | 1 | $14,625.00 | $1,724.64 | $1,218.75 | $143.72 | 0.000% | 0.000% | 0.000% | 01/26/2026 | 778 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.77 | 1.31 | XXXXX | XXXXX | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 147.85 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117022 | XXXXX | Non QM | Yes | No | $2,620.00 | $213.00 | 6.369% | $3,019.53 | $3,019.53 | 6.375% | No | No | Self-Employed | US Citizen | $13,257.50 | 1 | $17,289.72 | $19,992.60 | $1,440.81 | $1,666.05 | 36.604% | 36.604% | 36.604% | 01/29/2026 | 797 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2024 |
Alternative Documentation (A) | 2yr P&L w/o Bank Statements | 0 | 0 | 0 | No | XXXXX | $2,620.00 | 6.130% | $0.00 | None | Yes | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 24.00 | No | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 3.63 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000113673 | XXXXX | Non QM | Yes | No | $6,997.65 | $0.00 | 6.854% | $7,672.67 | $7,672.67 | 6.875% | No | No | Employed | Self-Employed | US Citizen | US Citizen | $71,423.63 | 1 | $14,599.56 | $876.96 | $1,216.63 | $73.08 | 24.977% | 24.977% | 24.977% | 02/10/2026 | 745 | No | Yes | 24 | Business | 88.000% | 100.000% | [Borrower - |
Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $6,997.65 | 6.140% | $37,934.24 | 1.0 | None | Yes | No | 6.875% | 2 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 35.180% | No | 25 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | Yes | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 26.36 | Yes | No | $84,118.71 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000114304 | XXXXX | Non QM | Yes | No | $1,390.00 | $5,395.10 | 6.143% | $11,324.34 | $11,324.34 | 6.125% | No | No | Employed | Employed | US Citizen | US Citizen | $35,954.98 | 1 | $29,583.12 | $2,373.96 | $2,465.26 | $197.83 | 37.551% | 37.551% | 37.551% | 01/23/2026 | 793 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,390.00 | 6.140% | $0.00 | 4.0 | None | No | No | 6.125% | 2 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 42.940% | No | 25 | 25 | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 60.04 | Yes | No | $0.00 | $21,333.33 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000113849 | XXXXX | Non QM | Yes | No | $16,095.00 | $17,504.03 | 6.831% | $5,269.76 | $5,269.76 | 6.625% | No | No | Self-Employed | US Citizen | $34,517.62 | 1 | $16,500.00 | $983.04 | $1,375.00 | $81.92 | 17.943% | 17.943% | 17.943% | 01/27/2026 | 811 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $16,095.00 | 6.140% | $0.00 | 1.0 | None | N/A | No | 6.625% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 27.840% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 6.56 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000114442 | XXXXX | Non QM | Yes | No | $25,288.50 | $29,197.18 | 7.702% | $4,348.87 | $4,348.87 | 7.250% | No | No | Self-Employed | US Citizen | $8,636.21 | 1 | $10,625.04 | $3,044.04 | $885.42 | $253.67 | 38.985% | 38.985% | 38.985% | 01/06/2026 | 727 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $25,288.50 | 6.060% | $0.00 | 1.0 | None | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | XXXXX | 48.110% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 28.75 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116446 | XXXXX | N/A | No | No | $2,953.32 | $2,953.32 | 7.964% | No | No | US Citizen | US Citizen | 1 | $5,822.76 | $747.96 | $485.23 | $62.33 | 0.000% | 0.000% | 0.000% | 01/13/2026 | 725 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 7.964% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.8 | 1.25 | 360 | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 38.82 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117578 | XXXXX | N/A | No | No | $1,083.17 | $1,083.17 | 8.490% | No | No | US Citizen | 1 | $4,506.00 | $1,601.40 | $375.50 | $133.45 | 0.000% | 0.000% | 0.000% | 01/28/2026 | 660 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.6 | Yes | No | 8.490% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | No | 80.58 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000113117 | XXXXX | N/A | No | No | $1,301.38 | $1,301.38 | 5.875% | No | No | US Citizen | 1 | $1,641.96 | $2,555.28 | $136.83 | $212.94 | 0.000% | 0.000% | 0.000% | 01/23/2026 | 760 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | 1.2 | No | No | 5.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.27 | 0.79 | XXXXX | No | Yes | Preliminary | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 101.78 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117031 | XXXXX | N/A | No | No | $5,719.58 | $5,719.58 | 6.625% | No | No | US Citizen | 1 | $14,887.56 | $1,473.36 | $1,240.63 | $122.78 | 0.000% | 0.000% | 0.000% | 01/26/2026 | 806 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.69 | 1.45 | XXXXX | XXXXX | 25.640% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 0.15 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000114901 | XXXXX | Non QM | Yes | No | $2,268.00 | $3,740.78 | 6.353% | $1,970.30 | $1,970.30 | 6.250% | No | No | Employed | Not Employed | US Citizen | US Citizen | $5,148.35 | 1 | $9,875.16 | $1,050.00 | $822.93 | $87.50 | 37.596% | 37.596% | 37.596% | 01/27/2026 | 781 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $2,268.00 | 6.100% | $0.00 | 2.4 | None | No | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 81.640% | No | 36 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 14.65 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116211 | XXXXX | Non QM | Yes | No | $8,713.00 | $10,558.83 | 6.116% | $4,826.38 | $4,826.38 | 6.000% | No | No | Self-Employed | US Citizen | $26,836.78 | 1 | $14,186.04 | $1,166.04 | $1,182.17 | $97.17 | 28.581% | 28.581% | 28.581% | 12/17/2025 | 755 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 65.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 65.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 65.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 65.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 65.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $8,713.00 | 6.130% | $0.00 | 1.0 | None | No | No | 6.000% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 36.270% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 8.88 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000111455 | XXXXX | Non QM | Yes | No | $2,195.00 | $9,024.38 | 6.556% | $7,311.76 | $7,311.76 | 6.500% | No | No | Employed | US Citizen | $19,238.01 | 1 | $16,453.80 | $2,328.96 | $1,371.15 | $194.08 | 33.375% | 33.375% | 33.375% | 01/13/2026 | 757 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - No Results Returned - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - No Results Returned - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $2,195.00 | 6.170% | $0.00 | 1.0 | None | Yes | No | 6.500% | 2 | 2 | 0 | 4 | 2 | 0.00 | No | XXXXX | XXXXX | 35.160% | No | 18 | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 22.46 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000115548 | XXXXX | Non QM | Yes | No | $24,216.60 | $13,358.28 | 6.376% | $5,910.89 | $5,910.89 | 6.250% | No | No | Self-Employed | US Citizen | $10,642.83 | 1 | $8,038.68 | $5,968.68 | $669.89 | $497.39 | 46.786% | 46.786% | 46.786% | 01/27/2026 | 755 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2010 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | Yes | XXXXX | $24,216.60 | 6.100% | $0.00 | 2.5 | None | N/A | No | 6.250% | 0 | 0 | 0 | 3 | 0 | 12.00 | No | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 12.94 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116258 | XXXXX | Non QM | Yes | No | $2,376.00 | $7,970.80 | 6.555% | $7,861.66 | $7,861.66 | 6.500% | No | No | Employed | Not Employed | Permanent Resident Alien | Permanent Resident Alien | $12,440.86 | 1 | $19,437.48 | $2,569.32 | $1,619.79 | $214.11 | 47.060% | 47.060% | 47.060% | 01/05/2026 | 797 | No | No | [Borrower - |
Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $2,376.00 | 6.100% | $2,000.00 | 1.0 | None | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 19.920% | No | 25 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | Resident Alien Card | 10.29 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116046 | XXXXX | Non QM | Yes | No | $10,895.00 | $4,410.63 | 6.830% | $2,530.88 | $3,421.37 | 6.749% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $22,405.96 | 1 | $4,033.08 | $747.96 | $336.09 | $62.33 | 39.729% | 37.333% | 39.729% | 01/15/2026 | 811 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $10,895.00 | 6.100% | $5,000.00 | 1.1 | None | Yes | No | 6.749% | 0 | 0 | 0 | 0 | 0 | 0 | 12.00 | No | 240 | XXXXX | XXXXX | 57.820% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 93.39 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 240 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116869 | XXXXX | N/A | No | No | $1,279.91 | $1,279.91 | 6.999% | No | No | US Citizen | 1 | $3,825.84 | $2,001.96 | $318.82 | $166.83 | 0.000% | 0.000% | 0.000% | 02/18/2026 | 727 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | 3.1 | No | No | 6.999% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.42 | 0.71 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 102.72 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118586 | XXXXX | N/A | No | No | $2,505.84 | $2,505.84 | 7.875% | No | No | US Citizen | 1 | $3,982.68 | $980.04 | $331.89 | $81.67 | 0.000% | 0.000% | 0.000% | 10/31/2025 | 740 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.2 | 0.83 | XXXXX | XXXXX | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 38.76 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116640 | XXXXX | Non QM | Yes | No | $4,057.00 | $4,483.68 | 7.915% | $1,115.48 | $1,115.48 | 7.625% | No | No | Not Employed | Self-Employed | US Citizen | US Citizen | $4,673.54 | 1 | $2,017.08 | $1,429.56 | $168.09 | $119.13 | 28.629% | 28.629% | 28.629% | 01/27/2026 | 778 | No | Yes | 12 | Business | 100.000% | 100.000% | [Coborrower(s) - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $4,057.00 | 6.130% | $0.00 | 1.0 | None | No | No | 7.625% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 81.57 | No | $6,548.24 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116175 | XXXXX | N/A | No | No | $4,013.63 | $4,013.63 | 6.500% | No | No | US Citizen | 1 | $10,339.44 | $1,580.76 | $861.62 | $131.73 | 0.000% | 0.000% | 0.000% | 02/03/2026 | 757 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.9 | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.08 | 0.93 | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 52.15 | Yes | 20.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117378 | XXXXX | N/A | No | No | $4,547.41 | $4,547.41 | 6.875% | No | No | US Citizen | 1 | $12,361.08 | $1,905.96 | $1,030.09 | $158.83 | 0.000% | 0.000% | 0.000% | 02/06/2026 | 730 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.73 | 1.37 | XXXXX | XXXXX | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 198.68 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117116 | XXXXX | N/A | No | No | $1,563.03 | $1,563.03 | 7.125% | No | No | US Citizen | 1 | $1,894.92 | $1,526.76 | $157.91 | $127.23 | 0.000% | 0.000% | 0.000% | 02/09/2026 | 739 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.03 | 0.97 | XXXXX | XXXXX | 25.440% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 7.07 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000111446 | XXXXX | Non QM | Yes | No | $1,990.00 | $10,944.42 | 7.298% | $13,539.49 | $13,539.49 | 7.250% | No | No | Employed | Self-Employed | US Citizen | US Citizen | $33,110.88 | 1 | $33,737.52 | $4,397.52 | $2,811.46 | $366.46 | 44.815% | 44.815% | 44.815% | 01/13/2026 | 772 | No | Yes | 12 | Business | 83.000% | 100.000% | [Borrower - |
Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; Employer Letter - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $1,990.00 | 6.060% | $12,907.44 | 2.3 | None | No | No | 7.250% | 3 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 53.540% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | Yes | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 57.31 | Yes | No | $50,000.00 | $0.00 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117011 | XXXXX | N/A | No | No | $20,470.00 | $3,869.25 | 6.788% | $4,540.19 | $4,540.19 | 6.750% | No | No | Self-Employed | US Citizen | $18,929.43 | 1 | $9,776.88 | $1,835.16 | $814.74 | $152.93 | 27.199% | 27.199% | 27.199% | 01/29/2026 | 801 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 |
Alternative Documentation (A) | 2yr P&L w/o Bank Statements | 0 | 0 | 0 | No | XXXXX | $20,470.00 | 6.130% | $0.00 | 1.0 | None | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 24.00 | No | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 73.5 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000115859 | XXXXX | Non QM | Yes | No | $7,075.00 | $11,266.41 | 7.809% | $2,649.18 | $3,401.26 | 8.658% | No | No | Self-Employed | US Citizen | $14,307.12 | 1 | $9,575.04 | $1,804.92 | $797.92 | $150.41 | 29.387% | 28.245% | 29.387% | 01/28/2026 | 790 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $7,075.00 | 6.160% | $0.00 | 1.0 | None | N/A | No | 8.658% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 38.090% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 40.07 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117026 | XXXXX | Non QM | Yes | No | $2,665.00 | $3,069.79 | 6.414% | $1,062.11 | $1,062.11 | 6.250% | No | No | Employed | Permanent Resident Alien | $3,374.87 | 1 | $2,994.48 | $1,474.56 | $249.54 | $122.88 | 43.752% | 43.752% | 43.752% | 01/27/2026 | 817 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $2,665.00 | 6.130% | $0.00 | 1.0 | None | N/A | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 55.500% | No | 29 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 3.7 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116101 | XXXXX | N/A | No | No | $2,118.60 | $2,118.60 | 6.875% | No | No | US Citizen | 2 | $4,748.52 | $1,757.04 | $395.71 | $146.42 | 0.000% | 0.000% | 0.000% | 01/26/2026 | 801 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 36.73 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000111330 | XXXXX | Non QM | Yes | No | $12,199.30 | $13,620.47 | 7.262% | $3,343.15 | $3,343.15 | 7.000% | No | No | Self-Employed | US Citizen | $8,019.88 | 1 | $2,032.44 | $5,223.96 | $169.37 | $435.33 | 35.841% | 35.841% | 35.841% | 01/10/2026 | 742 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 12.87000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 12.87000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $12,199.30 | 6.170% | $450.00 | None | No | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 11.860% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 66.46 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116090 | XXXXX | Non QM | Yes | No | $2,590.00 | $4,124.70 | 6.413% | $5,165.64 | $5,165.64 | 6.375% | No | No | Employed | US Citizen | $10,429.94 | 1 | $15,313.08 | $2,211.96 | $1,276.09 | $184.33 | 45.106% | 45.106% | 45.106% | 01/08/2026 | 786 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $2,590.00 | 6.130% | $0.00 | 2.8 | None | No | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | No | 36 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 0.7 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118539 | XXXXX | Non QM | Yes | No | $1,590.00 | $614.81 | 6.641% | $10,819.65 | $10,819.65 | 6.625% | No | No | Employed | US Citizen | $29,426.43 | 1 | $13,619.40 | $2,553.96 | $1,134.95 | $212.83 | 38.163% | 38.163% | 38.163% | 12/30/2025 | 724 | No | No | [Borrower - |
Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,590.00 | 6.220% | $0.00 | 3.8 | None | No | No | 6.625% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | No | 10 | Yes | Commitment | Fee Simple | Individual | Trustee | No | Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 16.48 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116794 | XXXXX | Non QM | Yes | No | $1,690.00 | $3,017.08 | 6.925% | $3,374.97 | $3,374.97 | 6.875% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $7,363.28 | 1 | $7,220.04 | $0.00 | $601.67 | $0.00 | 41.989% | 41.989% | 41.989% | 12/30/2025 | 801 | No | No | [Borrower - |
Primary Income - Social Security]; Award Letter / Continuance Letter -
2025 [Borrower - | Non-Primary Income - Pension]; Paystubs - 2025 [Borrower - | Non-Primary Income - Pension]; 1099-R - 2024 [Borrower - | Non-Primary Income - Pension]; 1099-R - 2024 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2024 [Coborrower(s) - | Non-Primary Income - Pension]; 1099-R - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | No | XXXXX | $1,690.00 | 6.170% | $0.00 | 1.2 | None | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 257.79 | No | No | $7,134.70 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118846 | XXXXX | N/A | No | No | $1,048.82 | $1,048.82 | 7.500% | No | No | US Citizen | 1 | $2,303.76 | $1,545.96 | $191.98 | $128.83 | 0.000% | 0.000% | 0.000% | 01/19/2026 | 690 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | 1.0 | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.1 | 0.91 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 102.48 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000114703 | XXXXX | Non QM | Yes | No | $5,270.00 | $6,246.21 | 6.832% | $1,837.69 | $1,837.69 | 6.625% | No | No | Employed | US Citizen | $4,223.44 | 1 | $3,866.40 | $452.04 | $322.20 | $37.67 | 39.665% | 39.665% | 39.665% | 01/29/2026 | 768 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $5,270.00 | 6.100% | $0.00 | None | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 33.770% | No | 25 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 0.64 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000397 | XXXXX | N/A | No | No | $1,799.86 | $1,799.86 | 6.750% | No | No | US Citizen | 1 | $4,776.72 | $1,078.32 | $398.06 | $89.86 | 0.000% | 0.000% | 0.000% | 12/29/2025 | 694 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.09 | 0.92 | XXXXX | XXXXX | 36.620% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 15.3 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000395 | XXXXX | Non QM | Yes | No | $1,595.00 | $3,324.86 | 6.403% | $4,977.81 | $6,917.24 | 6.375% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $17,023.31 | 1 | $15,705.12 | $3,511.20 | $1,308.76 | $292.60 | 36.161% | 28.888% | 36.161% | 01/28/2026 | 786 | No | Yes | 24 | Personal | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: % | Expense
Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 24]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Personal - 2025 |
[Borrower]; 1084 or income worksheet - Year Not
Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $1,595.00 | 6.100% | $0.00 | 1.8 | None | Yes | No | 6.375% | 0 | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | 240 | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 47.52 | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117266 | XXXXX | Non QM | Yes | No | $21,195.00 | $980.60 | 6.999% | $9,147.91 | $9,147.91 | 7.000% | No | No | Self-Employed | US Citizen | $23,473.65 | 1 | $36,929.88 | $4,551.96 | $3,077.49 | $379.33 | 37.368% | 37.368% | 37.368% | 02/04/2026 | 800 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 26.18000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 26.18000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $21,195.00 | 6.100% | $0.00 | 1.0 | None | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 109.01 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117399 | XXXXX | Non QM | Yes | No | $2,619.80 | $4,207.09 | 6.920% | $5,418.35 | $5,418.35 | 6.875% | No | No | Self-Employed | US Citizen | $47,660.46 | 1 | $2,808.96 | $1,771.20 | $234.08 | $147.60 | 16.740% | 16.740% | 16.740% | 01/29/2026 | 755 | No | Yes | 12 | Business | 100.000% | 75.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 75.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 75.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 75.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 75.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 75.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 75.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $2,619.80 | 6.130% | $0.00 | None | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 96.81 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000113222 | XXXXX | Non QM | Yes | No | $6,370.00 | $7,534.06 | 6.488% | $1,203.07 | $1,203.07 | 6.125% | No | No | Employed | US Citizen | $3,990.41 | 1 | $6,606.72 | $1,331.52 | $550.56 | $110.96 | 33.493% | 33.493% | 33.493% | 01/20/2026 | 808 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $6,370.00 | 6.140% | $137,000.00 | 1.0 | None | N/A | No | 6.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 7.650% | No | 25 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 10.97 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116156 | XXXXX | Non QM | Yes | No | $2,715.00 | $5,246.55 | 7.858% | $4,354.06 | $5,304.65 | 8.658% | No | No | Employed | US Citizen | $9,425.69 | 1 | $11,138.04 | $401.88 | $928.17 | $33.49 | 43.895% | 43.193% | 43.895% | 02/02/2026 | 767 | No | No | [Borrower - |
Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $2,715.00 | 6.160% | $0.00 | 1.0 | None | N/A | No | 8.658% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 10.130% | No | 25 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 2.99 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117027 | XXXXX | Non QM | Yes | No | $2,465.00 | $3,446.29 | 6.667% | $4,360.52 | $4,360.52 | 6.625% | No | No | Employed | US Citizen | $10,093.83 | 1 | $10,662.84 | $1,452.96 | $888.57 | $121.08 | 34.879% | 34.879% | 34.879% | 01/27/2026 | 765 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $2,465.00 | 6.130% | $0.00 | 1.0 | None | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | No | 25 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 3.52 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000115875 | XXXXX | Non QM | Yes | No | $2,565.00 | $4,749.74 | 6.728% | $2,699.50 | $2,699.50 | 6.625% | No | No | Employed | US Citizen | $11,820.74 | 1 | $11,226.48 | $1,322.64 | $935.54 | $110.22 | 28.359% | 28.359% | 28.359% | 02/04/2026 | 758 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $2,565.00 | 6.100% | $0.00 | None | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 16.450% | No | 25 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 4.93 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116042 | XXXXX | N/A | No | No | $7,757.09 | $7,757.09 | 7.500% | No | No | US Citizen | 1 | $11,592.48 | $3,575.04 | $966.04 | $297.92 | 0.000% | 0.000% | 0.000% | 01/09/2026 | 702 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.33 | 3.06 | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 12.42 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000113602 | XXXXX | Non QM | Yes | No | $11,856.00 | $12,461.05 | 6.642% | $2,768.73 | $2,768.73 | 6.375% | No | No | Employed | Permanent Resident Alien | $5,399.13 | 1 | $8,046.72 | $1,218.96 | $670.56 | $101.58 | 40.010% | 40.010% | 40.010% | 01/18/2026 | 800 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $11,856.00 | 6.140% | $0.00 | 1.0 | None | No | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 35.010% | No | 36 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 4.02 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000115757 | XXXXX | N/A | No | No | $18,270.03 | $3,165.35 | 6.685% | $2,824.76 | $2,824.76 | 6.624% | No | No | Self-Employed | US Citizen | $56,774.41 | 1 | $6,120.48 | $2,073.00 | $510.04 | $172.75 | 20.245% | 20.245% | 20.245% | 01/21/2026 | 784 | No | Yes | 12 | Business | 100.000% | 90.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Yes | XXXXX | $18,270.03 | 6.100% | $0.00 | 1.0 | None | Yes | No | 6.624% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 23.640% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 32.15 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103672 | XXXXX | Non QM | Yes | No | $2,485.00 | $3,999.00 | 7.316% | $4,773.68 | $5,225.84 | 7.658% | No | No | Employed | US Citizen | $17,567.82 | 1 | $6,216.60 | $2,590.08 | $518.05 | $215.84 | 37.150% | 38.776% | 37.150% | 12/05/2025 | 742 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; Other - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $2,485.00 | 6.530% | $0.00 | 2.1 | None | N/A | No | 7.658% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | No | 25 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 9.02 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117629 | XXXXX | Non QM | Yes | No | $7,245.00 | $9,384.33 | 6.676% | $1,871.61 | $1,871.61 | 6.375% | No | No | Self-Employed | US Citizen | $8,872.58 | 1 | $7,587.48 | $884.28 | $632.29 | $73.69 | 35.625% | 35.625% | 35.625% | 01/29/2026 | 796 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 |
Alternative Documentation (A) | 1yr P&L w/o Bank Statements | 0 | 0 | 0 | No | XXXXX | $7,245.00 | 6.100% | $0.00 | 1.0 | None | Yes | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 13.00 | No | XXXXX | XXXXX | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 129.7 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000106596 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $13,595.00 | $15,357.80 | 7.174% | $5,321.88 | $5,321.88 | 6.999% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $66,012.03 | 1 | $12,500.04 | $2,778.12 | $1,041.67 | $231.51 | 18.230% | 18.230% | 18.230% | 10/30/2025 | 768 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXXX | $13,595.00 | 6.230% | $200,000.00 | 1.0 | None | N/A | No | 6.999% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 4.850% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 7.14 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118050 | XXXXX | Non QM | Yes | No | $10,025.60 | $5,923.65 | 7.604% | $1,795.76 | $1,795.76 | 7.375% | No | No | Self-Employed | US Citizen | $5,688.46 | 1 | $8,869.32 | $708.00 | $739.11 | $59.00 | 38.869% | 38.869% | 38.869% | 01/20/2026 | 788 | No | Yes | 12 | Personal | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: % | Expense
Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements
Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $10,025.60 | 6.100% | $0.00 | 1.0 | None | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 66.210% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 42.64 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000114807 | XXXXX | Non QM | Yes | No | $11,584.12 | $12,440.00 | 7.320% | $1,838.88 | $1,838.88 | 6.875% | No | No | Employed | Self-Employed | US Citizen | US Citizen | $3,110.82 | 1 | $3,498.96 | $1,175.76 | $291.58 | $97.98 | 47.205% | 47.205% | 47.205% | 02/19/2026 | 771 | No | Yes | 12 | Personal | 43.000% | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $11,584.12 | 6.100% | $4,000.00 | 1.6 | None | Yes | No | 6.875% | 2 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 37.720% | No | 26 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 28.89 | No | $2,525.60 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116768 | XXXXX | N/A | No | No | $12,478.57 | $6,570.50 | 7.768% | $4,289.21 | $4,289.21 | 7.659% | No | No | Self-Employed | US Citizen | $37,286.30 | 1 | $9,972.36 | $2,436.96 | $831.03 | $203.08 | 46.258% | 46.258% | 46.258% | 01/30/2026 | 724 | No | Yes | 24 | Business | 100.000% | 50.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense
Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $12,478.57 | 6.130% | $115,550.00 | 1.0 | None | Yes | No | 7.659% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 36.860% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | 41.82 | No | No | $0.00 | $0.00 | No | No | No | No | 5 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000113088 | XXXXX | Non QM | Yes | No | $13,845.00 | $14,884.31 | 6.476% | $3,854.39 | $3,854.39 | 6.250% | No | No | Self-Employed | US Citizen | $17,396.47 | 1 | $13,624.68 | $13,433.64 | $1,135.39 | $1,119.47 | 44.559% | 44.559% | 44.559% | 12/03/2025 | 705 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2008 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Yes | XXXXX | $13,845.00 | 6.140% | $0.00 | 1.8 | None | N/A | No | 6.250% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 76.1 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117518 | XXXXX | N/A | No | No | $1,114.03 | $1,114.03 | 6.624% | No | No | 0 | US Citizen | US Citizen | 1 | $1,520.40 | $2,184.96 | $126.70 | $182.08 | 0.000% | 0.000% | 0.000% | 01/31/2026 | 802 | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | 1.0 | N/A | No | 6.624% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.37 | 0.73 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 832.18 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117679 | XXXXX | N/A | No | No | $1,625.90 | $1,625.90 | 6.875% | No | No | US Citizen | 1 | $2,765.52 | $848.04 | $230.46 | $70.67 | 0.000% | 0.000% | 0.000% | 11/04/2025 | 728 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.04 | 0.96 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 4.32 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116746 | XXXXX | N/A | No | No | $1,439.99 | $1,439.99 | 7.750% | No | No | US Citizen | 1 | $5,601.96 | $824.88 | $466.83 | $68.74 | 0.000% | 0.000% | 0.000% | 01/12/2026 | 699 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.1 | No | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.79 | 1.27 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 40.58 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118778 | XXXXX | N/A | No | No | $2,651.92 | $2,651.92 | 6.490% | No | No | 0 | US Citizen | US Citizen | 1 | $7,584.12 | $1,863.96 | $632.01 | $155.33 | 0.000% | 0.000% | 0.000% | 02/09/2026 | 682 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.5 | No | No | 6.490% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 33.18 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117097 | XXXXX | Non QM | Yes | No | $1,695.00 | $2,860.48 | 6.292% | $3,694.30 | $3,694.30 | 6.250% | No | No | Non-Employment Income | US Citizen | $2,988.59 | 1 | $7,017.48 | $4,441.68 | $584.79 | $370.14 | 0.000% | 0.000% | 0.000% | 02/24/2026 | 787 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 | [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | No | XXXXX | $1,695.00 | 6.100% | $0.00 | 2.1 | None | No | No | 6.250% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 208.41 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000113438 | XXXXX | N/A | No | No | $3,326.18 | $3,326.18 | 6.999% | No | No | US Citizen | 1 | $8,056.20 | $1,575.96 | $671.35 | $131.33 | 0.000% | 0.000% | 0.000% | 01/15/2026 | 788 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.999% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.02 | 0.98 | XXXXX | XXXXX | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 525.11 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116426 | XXXXX | N/A | No | No | $2,290.64 | $2,290.64 | 7.125% | No | No | 0 | US Citizen | US Citizen | 1 | $9,735.00 | $1,310.04 | $811.25 | $109.17 | 0.000% | 0.000% | 0.000% | 12/23/2025 | 729 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.14 | 0.88 | XXXXX | XXXXX | 90.520% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 87.05 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000110670 | XXXXX | Non QM | Yes | No | $14,338.75 | $1,422.40 | 8.258% | $3,859.63 | $3,859.63 | 8.250% | No | No | Self-Employed | US Citizen | $7,961.55 | 2 | $3,380.88 | $2,670.00 | $281.74 | $222.50 | 45.856% | 45.856% | 45.856% | 01/27/2026 | 688 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; Third Party Verification - 2026 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $14,338.75 | 6.170% | $190,681.85 | None | N/A | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | XXXXX | 0.290% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 4.27 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117580 | XXXXX | Non QM | Yes | No | $3,299.00 | $4,193.82 | 7.531% | $982.33 | $982.33 | 7.250% | No | No | Self-Employed | US Citizen | $3,057.74 | 1 | $3,639.96 | $197.04 | $303.33 | $16.42 | 39.719% | 39.719% | 39.719% | 01/08/2026 | 786 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $3,299.00 | 6.170% | $500.00 | 1.0 | None | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 19.480% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 23.87 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117716 | XXXXX | N/A | No | No | $2,111.63 | $2,111.63 | 6.875% | No | No | US Citizen | 1 | $4,821.84 | $1,941.96 | $401.82 | $161.83 | 0.000% | 0.000% | 0.000% | 02/07/2026 | 771 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.87 | 1.15 | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 209.2 | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117025 | XXXXX | Non QM | Yes | No | $7,785.00 | $2,567.39 | 6.564% | $2,326.01 | $2,326.01 | 6.500% | No | No | Employed | Employed | US Citizen | US Citizen | $8,545.36 | 1 | $5,218.08 | $624.36 | $434.84 | $52.03 | 38.962% | 38.962% | 38.962% | 02/06/2026 | 763 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 1084 or income worksheet - Year Not
Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $7,785.00 | 6.130% | $7,000.00 | 2.1 | None | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 28.400% | No | 25 | 25 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 15.11 | Yes | No | $0.00 | $6,000.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117023 | XXXXX | N/A | No | No | $1,833.91 | $1,833.91 | 6.750% | No | No | Permanent Resident Alien | 1 | $4,832.64 | $1,472.04 | $402.72 | $122.67 | 0.000% | 0.000% | 0.000% | 02/23/2026 | 722 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.35 | 0.74 | XXXXX | XXXXX | 31.720% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 5.9 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000115850 | XXXXX | N/A | No | No | $39,370.00 | $3,036.25 | 6.778% | $5,837.38 | $5,837.38 | 6.750% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $37,540.36 | 1 | $13,772.40 | $1,912.20 | $1,147.70 | $159.35 | 41.968% | 41.968% | 41.968% | 02/04/2026 | 805 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 |
Alternative Documentation (A) | 2yr P&L w/o Bank Statements | 0 | 0 | 0 | No | XXXXX | $39,370.00 | 6.100% | $0.00 | None | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 24.00 | No | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 123.36 | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000114796 | XXXXX | Non QM | Yes | No | $2,715.00 | $3,657.82 | 7.083% | $2,727.74 | $2,727.74 | 7.000% | No | No | Employed | Non-Permanent Resident Alien | XXX | $7,938.21 | 1 | $8,845.44 | $1,175.16 | $737.12 | $97.93 | 40.314% | 40.314% | 40.314% | 12/17/2025 | 767 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $2,715.00 | 6.100% | $0.00 | 1.0 | None | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | No | 25 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | No | 8.7 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118230 | XXXXX | N/A | No | No | $2,660.94 | $2,660.94 | 6.999% | No | No | US Citizen | 1 | $2,362.20 | $1,087.92 | $196.85 | $90.66 | 0.000% | 0.000% | 0.000% | 02/05/2026 | 805 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.999% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.91 | 1.1 | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 109.22 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000115973 | XXXXX | N/A | No | No | $11,139.97 | $11,139.97 | 6.750% | No | No | US Citizen | 1 | $37,943.40 | $4,436.16 | $3,161.95 | $369.68 | 0.000% | 0.000% | 0.000% | 02/09/2026 | 800 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 4.0 | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.8 | 1.26 | 240 | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 117.37 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000112264 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $23,952.76 | $26,244.51 | 7.712% | $5,524.85 | $5,524.85 | 7.375% | No | No | Self-Employed | US Citizen | $10,290.95 | 2 | $9,245.04 | $4,452.96 | $770.42 | $371.08 | 42.303% | 42.303% | 42.303% | 11/25/2025 | 744 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $23,952.76 | 6.060% | $0.00 | None | N/A | No | 7.375% | 0 | 0 | 0 | 2 | 0 | 12.00 | No | XXXXX | XXXXX | 24.440% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 8.08 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117898 | XXXXX | Non QM | Yes | No | $7,415.00 | $1,539.61 | 6.531% | $2,749.50 | $2,749.50 | 6.500% | No | No | Employed | Permanent Resident Alien | $5,668.05 | 1 | $4,451.40 | $1,638.00 | $370.95 | $136.50 | 37.022% | 37.022% | 37.022% | 02/09/2026 | 726 | No | No | [Borrower - |
Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $7,415.00 | 6.100% | $12,500.00 | 1.0 | None | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 41.580% | No | 25 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 29.2 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117021 | XXXXX | Non QM | Yes | No | $2,365.00 | $3,164.36 | 6.681% | $3,294.40 | $3,294.40 | 6.625% | No | No | Employed | US Citizen | $8,491.13 | 1 | $8,089.56 | $2,241.00 | $674.13 | $186.75 | 43.393% | 43.393% | 43.393% | 02/04/2026 | 726 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $2,365.00 | 6.130% | $100,000.00 | None | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 29.930% | No | 25 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 19.95 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116980 | XXXXX | N/A | No | No | $4,454.85 | $4,454.85 | 7.375% | No | No | US Citizen | 2 | $13,993.20 | $2,389.56 | $1,166.10 | $199.13 | 0.000% | 0.000% | 0.000% | 01/12/2026 | 758 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.03 | 0.97 | XXXXX | XXXXX | 41.970% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 19.15 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117004 | XXXXX | Non QM | Yes | No | $2,370.00 | $2,832.03 | 6.688% | $2,817.37 | $2,817.37 | 6.625% | No | No | Employed | US Citizen | $5,342.87 | 1 | $7,249.08 | $2,648.04 | $604.09 | $220.67 | 43.759% | 43.759% | 43.759% | 02/05/2026 | 715 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $2,370.00 | 6.130% | $0.00 | 1.0 | None | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | No | 25 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 20.8 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000114070 | XXXXX | Non QM | Yes | No | $7,725.00 | $8,369.39 | 6.468% | $2,241.21 | $2,241.21 | 6.250% | No | No | Employed | Non-Permanent Resident Alien | XXX | $9,092.48 | 1 | $21,925.08 | $3,868.32 | $1,827.09 | $322.36 | 41.456% | 41.456% | 41.456% | 12/15/2025 | 772 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $7,725.00 | 6.140% | $0.00 | None | N/A | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 53.810% | No | 36 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Employment Authorization | 21.53 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117357 | XXXXX | Non QM | Yes | No | $10,290.00 | $10,743.68 | 6.436% | $4,593.37 | $4,593.37 | 6.125% | No | No | Non-Employment Income | Permanent Resident Alien | $21,837.38 | 1 | $8,186.76 | $1,347.00 | $682.23 | $112.25 | 29.175% | 29.175% | 29.175% | 02/20/2026 | 748 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | No | XXXXX | $10,290.00 | 5.530% | $0.00 | 2.5 | None | Yes | No | 6.125% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | No | 538.23 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 180 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000115857 | XXXXX | Non QM | Yes | No | $3,065.00 | $3,778.37 | 6.558% | $2,679.18 | $2,679.18 | 6.375% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $14,438.12 | 1 | $2,581.68 | $1,181.04 | $215.14 | $98.42 | 29.709% | 29.709% | 29.709% | 02/12/2026 | 802 | No | Yes | 24 | Business | 100.000% | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 1084 or income worksheet - Year Not
Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $3,065.00 | 5.590% | $0.00 | 1.0 | None | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 9.46 | No | No | $13,768.73 | $0.00 | No | No | No | No | 4 | 180 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117005 | XXXXX | Non QM | Yes | No | $5,910.00 | $6,280.40 | 6.468% | $4,055.15 | $4,055.15 | 6.375% | No | No | Self-Employed | US Citizen | $41,749.00 | 1 | $27,624.96 | $1,790.16 | $2,302.08 | $149.18 | 16.621% | 16.621% | 16.621% | 02/09/2026 | 768 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $5,910.00 | 6.130% | $10,450.00 | 2.2 | None | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 3.030% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 5.16 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000115863 | XXXXX | N/A | No | No | $1,310.13 | $1,310.13 | 6.375% | No | No | US Citizen | 1 | $4,998.00 | $834.96 | $416.50 | $69.58 | 0.000% | 0.000% | 0.000% | 01/03/2026 | 782 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.13 | 0.89 | XXXXX | XXXXX | 50.170% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 28.47 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117648 | XXXXX | Non QM | Yes | No | $6,290.54 | $2,528.66 | 7.196% | $2,425.39 | $2,425.39 | 7.125% | No | No | Employed | US Citizen | $8,514.55 | 1 | $4,250.52 | $1,562.04 | $354.21 | $130.17 | 30.209% | 30.209% | 30.209% | 02/11/2026 | 709 | No | No | [Borrower - |
Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $6,290.54 | 6.100% | $0.00 | 1.0 | None | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | No | 25 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 3.56 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000424 | XXXXX | N/A | No | No | $2,483.19 | $2,483.19 | 6.875% | No | No | US Citizen | US Citizen | 1 | $4,432.92 | $4,845.96 | $369.41 | $403.83 | 0.000% | 0.000% | 0.000% | 02/17/2026 | 773 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.84 | 1.2 | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 80.93 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117262 | XXXXX | N/A | No | No | $3,284.64 | $3,284.64 | 6.875% | No | No | US Citizen | 1 | $2,130.96 | $2,243.04 | $177.58 | $186.92 | 0.000% | 0.000% | 0.000% | 01/21/2026 | 729 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.29 | 0.77 | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 119.36 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116314 | XXXXX | N/A | No | No | $890.97 | $890.97 | 7.375% | No | No | US Citizen | 1 | $1,332.00 | $1,232.04 | $111.00 | $102.67 | 0.000% | 0.000% | 0.000% | 12/23/2025 | 724 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | 2.6 | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.63 | 0.61 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 23.03 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000114895 | XXXXX | N/A | No | No | $987.67 | $987.67 | 7.375% | No | No | 0 | US Citizen | US Citizen | 1 | $1,384.56 | $1,451.04 | $115.38 | $120.92 | 0.000% | 0.000% | 0.000% | 01/23/2026 | 787 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.0 | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.12 | 0.89 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Guarantor - Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Guarantor - Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 9.76 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117108 | XXXXX | Non QM | Yes | No | $11,074.51 | $12,644.56 | 9.527% | $2,885.14 | $2,885.14 | 9.125% | No | No | Self-Employed | US Citizen | $10,685.36 | 1 | $6,725.88 | $2,144.28 | $560.49 | $178.69 | 42.226% | 42.226% | 42.226% | 12/18/2025 | 745 | No | Yes | 12 | Personal | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: % | Expense
Ratio: 19.70000% | Expense Ratio Source: CPA Letter | # of Bank Statements
Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 19.70000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 19.70000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 19.70000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $11,074.51 | 6.100% | $7,880.00 | 1.0 | None | Yes | No | 9.125% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 18.110% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 6.26 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000407 | XXXXX | N/A | No | No | $3,326.51 | $3,326.51 | 7.000% | No | No | US Citizen | US Citizen | 1 | $9,542.28 | $1,476.96 | $795.19 | $123.08 | 0.000% | 0.000% | 0.000% | 01/16/2026 | 741 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | XXXXX | XXXXX | 57.640% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 36.69 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116059 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $9,115.00 | $11,551.50 | 8.055% | $2,693.71 | $2,693.71 | 7.750% | No | No | Self-Employed | US Citizen | $7,393.27 | 1 | $9,485.40 | $1,420.32 | $790.45 | $118.36 | 41.554% | 41.554% | 41.554% | 01/14/2026 | 709 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $9,115.00 | 6.130% | $36,500.00 | 1.0 | None | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | XXXXX | 22.150% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 6.4 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000406 | XXXXX | N/A | No | No | $2,046.53 | $2,046.53 | 7.250% | No | No | US Citizen | 1 | $4,855.08 | $1,479.00 | $404.59 | $123.25 | 0.000% | 0.000% | 0.000% | 01/06/2026 | 809 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.82 | 1.23 | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 112.81 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000377 | XXXXX | N/A | No | No | $2,364.94 | $2,364.94 | 6.875% | No | No | US Citizen | 1 | $3,078.72 | $1,338.00 | $256.56 | $111.50 | 0.000% | 0.000% | 0.000% | 01/14/2026 | 757 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.02 | 0.98 | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 43.94 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118101 | XXXXX | Non QM | Yes | No | $14,268.80 | $11,865.58 | 6.812% | $2,022.62 | $2,022.62 | 6.500% | No | No | Employed | US Citizen | $5,398.19 | 1 | $3,281.28 | $873.00 | $273.44 | $72.75 | 40.312% | 40.312% | 40.312% | 02/10/2026 | 794 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $14,268.80 | 6.100% | $500.00 | 1.0 | None | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 27.430% | No | 25 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 6.07 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117369 | XXXXX | N/A | No | No | $28,820.00 | $13,218.12 | 6.414% | $4,617.88 | $4,617.88 | 6.250% | No | No | Self-Employed | Non-Permanent Resident Alien | XXX | $20,994.30 | 1 | $12,500.04 | $1,997.52 | $1,041.67 | $166.46 | 31.040% | 31.040% | 31.040% | 12/18/2025 | 766 | No | Yes | 24 | Business | 100.000% | 33.330% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 33.33% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 24]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 33.33% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 33.33% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 33.33% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $28,820.00 | 6.100% | $10,000.00 | 1.0 | None | N/A | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 24 | 0.00 | No | XXXXX | XXXXX | 36.110% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Employment Authorization | 17.64 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000115135 | XXXXX | Non QM | Yes | No | $6,770.00 | $7,749.46 | 6.531% | $2,932.19 | $2,932.19 | 6.375% | No | No | Employed | Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | XXX | XXX | $4,816.43 | 1 | $7,950.00 | $1,871.76 | $662.50 | $155.98 | 44.268% | 44.268% | 44.268% | 02/02/2026 | 731 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 1084 or income worksheet - Year Not
Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $6,770.00 | 6.100% | $0.00 | 2.1 | None | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 21.860% | No | 23 | 24 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Employment Authorization | Employment Authorization | 1.2 | No | $0.00 | $4,308.77 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116634 | XXXXX | N/A | No | No | $43,395.00 | $46,327.19 | 7.940% | $17,910.30 | $17,910.30 | 7.750% | No | No | Self-Employed | US Citizen | $119,741.35 | 2 | $7,592.52 | $3,900.00 | $632.71 | $325.00 | 41.223% | 41.223% | 41.223% | 12/09/2025 | 739 | No | Yes | 24 | Business | 100.000% | 99.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 |
[Borrower]; 1084 or income worksheet - Year Not
Available [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $43,395.00 | 6.130% | $0.00 | None | No | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 47.11 | No | No | $0.00 | $0.00 | No | No | No | No | 11 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116900 | XXXXX | Non QM | Yes | No | $1,468.00 | $4,774.56 | 6.437% | $2,526.67 | $2,526.67 | 6.375% | No | No | Self-Employed | US Citizen | $30,955.79 | 1 | $8,540.76 | $1,281.96 | $711.73 | $106.83 | 18.354% | 18.354% | 18.354% | 01/16/2026 | 804 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $1,468.00 | 6.130% | $0.00 | 1.0 | None | Yes | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 7.61 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116969 | XXXXX | Non QM | Yes | No | $2,480.00 | $4,591.03 | 7.260% | $2,209.80 | $2,209.80 | 7.125% | No | No | Self-Employed | US Citizen | $10,366.97 | 1 | $2,020.08 | $1,500.96 | $168.34 | $125.08 | 27.167% | 27.167% | 27.167% | 01/12/2026 | 788 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 24]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $2,480.00 | 6.130% | $0.00 | 1.0 | None | Yes | No | 7.125% | 0 | 0 | 0 | 2 | 0 | 24 | 0.00 | No | XXXXX | XXXXX | 64.680% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 69.07 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117646 | XXXXX | Non QM | Yes | No | $1,481.00 | $1,185.29 | 6.136% | $3,888.71 | $3,888.71 | 6.125% | No | No | Employed | US Citizen | $8,960.12 | 1 | $12,500.04 | $1,134.00 | $1,041.67 | $94.50 | 38.206% | 38.206% | 38.206% | 02/05/2026 | 773 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $1,481.00 | 6.130% | $5,000.00 | 1.2 | None | Yes | No | 6.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 29.000% | No | 25 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 4.18 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000115608 | XXXXX | Non QM | Yes | No | $0.00 | $885.00 | 6.126% | $6,531.81 | $6,531.81 | 6.125% | No | No | Employed | Employed | US Citizen | US Citizen | $11,067.17 | 1 | $13,708.44 | $1,695.00 | $1,142.37 | $141.25 | 41.998% | 41.998% | 41.998% | 01/19/2026 | 804 | No | No | [Borrower - |
Primary Income - Wages]; Leave and Earnings Statement (LES) - 2026 [Borrower - | Primary Income - Wages]; Military VOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; Leave and Earnings Statement (LES) - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2022 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.100% | $0.00 | 3.6 | None | No | No | 6.125% | 4 | 1 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 100.000% | No | 0 | 0 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 200.23 | No | $0.00 | $9,254.33 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000115767 | XXXXX | N/A | No | No | $2,266.47 | $2,266.47 | 6.624% | No | No | US Citizen | 1 | $5,130.00 | $1,408.32 | $427.50 | $117.36 | 0.000% | 0.000% | 0.000% | 01/29/2026 | 796 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | 1.3 | Yes | No | 6.624% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.14 | 0.88 | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 3.12 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118046 | XXXXX | N/A | No | No | $2,566.75 | $2,566.75 | 7.875% | No | No | US Citizen | 1 | $2,514.96 | $2,355.48 | $209.58 | $196.29 | 0.000% | 0.000% | 0.000% | 02/04/2026 | 672 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | 3.8 | No | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.84 | 1.19 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 24.32 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116361 | XXXXX | N/A | No | No | $1,341.32 | $1,341.32 | 6.375% | No | No | US Citizen | 1 | $5,437.56 | $1,893.84 | $453.13 | $157.82 | 0.000% | 0.000% | 0.000% | 01/05/2026 | 791 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.15 | 0.87 | XXXXX | XXXXX | 54.120% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 1.07 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118969 | XXXXX | N/A | No | No | $4,941.05 | $4,941.05 | 6.375% | No | No | Permanent Resident Alien | 2 | $7,493.28 | $4,679.04 | $624.44 | $389.92 | 0.000% | 0.000% | 0.000% | 01/29/2026 | 800 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.48 | 0.68 | XXXXX | XXXXX | 47.180% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 3.63 | Yes | 15.000% | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000112261 | XXXXX | Non QM | Yes | No | $10,130.25 | $16,658.57 | 6.482% | $6,332.28 | $6,332.28 | 6.375% | No | No | Self-Employed | US Citizen | $21,843.01 | 1 | $7,794.96 | $4,317.00 | $649.58 | $359.75 | 35.864% | 35.864% | 35.864% | 11/09/2025 | 809 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2015 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $10,130.25 | 6.060% | $0.00 | 2.7 | None | No | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 31.050% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 34.35 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117148 | XXXXX | N/A | No | No | $1,776.11 | $1,776.11 | 6.500% | No | No | US Citizen | 1 | $6,924.00 | $4,625.76 | $577.00 | $385.48 | 0.000% | 0.000% | 0.000% | 02/03/2026 | 698 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | No | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.26 | 0.79 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 6.19 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118408 | XXXXX | N/A | No | No | $5,295.00 | $6,911.93 | 7.219% | $2,075.74 | $2,075.74 | 7.000% | No | No | Not Employed | Employed | Employed | 5.11 | US Citizen | US Citizen | $11,800.90 | 1 | $6,605.28 | $450.12 | $550.44 | $37.51 | 45.174% | 45.174% | 45.174% | 01/28/2026 | 784 | Level 3-Stated/Partially Verified | Level 5-Stated/Verified as defined | Level 3-Stated/Verified as defined | No | No | [Coborrower(s) - |
Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2023 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $5,295.00 | 5.990% | $0.00 | 1.0 | None | Yes | No | 7.000% | 0 | 3 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 83.430% | No | 24 | Yes | Short Form | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 73.48 | No | No | $0.00 | $21,524.12 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118420 | XXXXX | N/A | No | No | $2,075.74 | $2,075.74 | 7.000% | No | No | US Citizen | 1 | $5,166.48 | $969.96 | $430.54 | $80.83 | 0.000% | 0.000% | 0.000% | 02/03/2026 | 785 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.05 | 0.95 | XXXXX | XXXXX | 44.280% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 35.37 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117393 | XXXXX | Non QM | Yes | No | $6,370.00 | $7,301.72 | 7.834% | $2,838.61 | $3,549.48 | 8.658% | No | No | Self-Employed | US Citizen | $11,519.14 | 1 | $7,326.12 | $1,755.96 | $610.51 | $146.33 | 32.788% | 31.851% | 32.788% | 02/02/2026 | 771 | No | Yes | 24 | Personal, Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 |
[Borrower]; 1084 or income worksheet - Year Not
Available [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Yes | XXXXX | $6,370.00 | 6.160% | $0.00 | 1.0 | None | N/A | No | 8.658% | 0 | 0 | 0 | 0 | 0 | 12 | 12 | 0.00 | No | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 0.7 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116342 | XXXXX | Non QM | Yes | No | $3,749.51 | $5,627.67 | 6.600% | $3,321.52 | $3,321.52 | 6.500% | No | No | Non-Employment Income | US Citizen | $6,779.13 | 1 | $7,424.04 | $3,663.96 | $618.67 | $305.33 | 38.732% | 38.732% | 38.732% | 02/09/2026 | 799 | Yes | No | [Borrower - |
Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | No | XXXXX | $3,749.51 | 6.130% | $0.00 | None | Yes | No | 6.500% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 221.9 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118754 | XXXXX | N/A | No | No | $2,886.07 | $2,886.07 | 6.875% | No | No | US Citizen | 1 | $885.24 | $398.04 | $73.77 | $33.17 | 0.000% | 0.000% | 0.000% | 12/11/2025 | 741 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.2 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | 240 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 12.48 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000115672 | XXXXX | N/A | No | No | $29,541.50 | $10,674.27 | 7.627% | $3,325.61 | $3,461.41 | 7.658% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $58,562.77 | 1 | $6,967.32 | $1,851.96 | $580.61 | $154.33 | 40.060% | 39.921% | 40.060% | 01/17/2026 | 716 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Non-Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Non-Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Non-Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Non-Primary Income - P&L Statement Only]; P&L Statement - 2025 [Coborrower(s) - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; P&L Statement - 2025 |
Alternative Documentation (A) | 1yr P&L w/o Bank Statements | 0 | 0 | 0 | No | XXXXX | $29,541.50 | 5.960% | $0.00 | 1.0 | None | N/A | No | 7.658% | 0 | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 32.92 | No | No | $29,637.33 | $0.00 | No | No | No | No | 10 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000114827 | XXXXX | Non QM | Yes | No | $1,390.00 | $11,464.36 | 7.311% | $6,600.06 | $6,600.06 | 7.250% | No | No | Self-Employed | Permanent Resident Alien | $23,842.07 | 1 | $17,903.16 | $2,370.96 | $1,491.93 | $197.58 | 36.918% | 36.918% | 36.918% | 02/04/2026 | 785 | No | Yes | 36 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Borrower]; 1084 or income worksheet - Year Not Available [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $1,390.00 | 5.990% | $0.00 | 1.0 | None | Yes | No | 7.250% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | No | 68.51 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116355 | XXXXX | N/A | No | No | $4,439.65 | $4,439.65 | 6.750% | No | No | US Citizen | US Citizen | 1 | $17,112.48 | $2,883.00 | $1,426.04 | $240.25 | 0.000% | 0.000% | 0.000% | 02/13/2026 | 812 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.81 | 1.23 | XXXXX | XXXXX | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 210.15 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117174 | XXXXX | Non QM | Yes | No | $2,485.00 | $3,305.45 | 6.921% | $4,697.04 | $4,697.04 | 6.875% | No | No | Self-Employed | Permanent Resident Alien | $28,255.72 | 1 | $11,095.32 | $1,101.96 | $924.61 | $91.83 | 32.024% | 32.024% | 32.024% | 01/16/2026 | 748 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $2,485.00 | 6.100% | $0.00 | 1.0 | None | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | VISA | No | 18.59 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118152 | XXXXX | N/A | No | No | $1,637.22 | $1,637.22 | 7.250% | No | No | US Citizen | 1 | $1,837.92 | $1,118.04 | $153.16 | $93.17 | 0.000% | 0.000% | 0.000% | 02/05/2026 | 762 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.03 | 0.97 | XXXXX | XXXXX | 26.640% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 6.24 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117671 | XXXXX | Non QM | Yes | No | $2,365.00 | $3,159.50 | 6.809% | $3,191.10 | $3,191.10 | 6.750% | No | No | Employed | US Citizen | $7,055.83 | 1 | $4,694.64 | $1,018.20 | $391.22 | $84.85 | 45.724% | 45.724% | 45.724% | 01/27/2026 | 758 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $2,365.00 | 6.100% | $0.00 | None | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 36.940% | No | 25 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 24 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119579 | XXXXX | N/A | No | No | $2,648.27 | $2,648.27 | 7.500% | No | No | US Citizen | 1 | $3,016.20 | $2,514.00 | $251.35 | $209.50 | 0.000% | 0.000% | 0.000% | 01/28/2026 | 783 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.6 | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | XXXXX | XXXXX | 69.590% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 72.35 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000114725 | XXXXX | Non QM | Yes | No | $11,320.00 | $8,120.96 | 6.680% | $2,831.66 | $2,831.66 | 6.500% | No | No | Self-Employed | Non-Permanent Resident Alien | XXX | $9,096.00 | 1 | $8,608.08 | $1,708.56 | $717.34 | $142.38 | 32.902% | 32.902% | 32.902% | 01/28/2026 | 755 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 2yr P&L w/o Bank Statements | 0 | 0 | 0 | No | XXXXX | $11,320.00 | 6.100% | $0.00 | 1.7 | None | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 24.00 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Employment Authorization | No | 3.18 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000115027 | XXXXX | Exempt from ATR | N/A | Yes | No | No | $14,832.50 | $18,159.38 | 6.982% | $4,961.78 | $4,961.78 | 6.750% | No | No | Not Employed | Self-Employed | Not Employed | 0 | US Citizen | US Citizen | US Citizen | $10,875.62 | 1 | $12,750.00 | $2,148.24 | $1,062.50 | $179.02 | 42.859% | 42.859% | 42.859% | 02/02/2026 | 808 | 774 | 821 | 767 | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | No | Yes | 12 | Business | 100.000% | 100.000% | [Coborrower(s) - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2019 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $14,832.50 | 6.100% | $0.00 | 2.6 | None | No | No | 6.750% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 39.660% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 29.03 | No | No | $19,033.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118971 | XXXXX | N/A | No | No | $4,072.97 | $4,072.97 | 6.250% | No | No | US Citizen | 1 | $2,893.56 | $3,078.00 | $241.13 | $256.50 | 0.000% | 0.000% | 0.000% | 01/15/2026 | 795 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.03 | 0.97 | XXXXX | XXXXX | 9.380% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 7.32 | Yes | 15.000% | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118995 | XXXXX | N/A | No | No | $5,465.81 | $5,465.81 | 5.875% | No | No | US Citizen | 3 | $11,027.16 | $5,082.72 | $918.93 | $423.56 | 0.000% | 0.000% | 0.000% | 02/19/2026 | 808 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 5.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.26 | 0.79 | XXXXX | XXXXX | 10.430% | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 3.05 | Yes | 15.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118472 | XXXXX | N/A | No | No | $1,740.50 | $1,740.50 | 7.375% | No | No | US Citizen | 1 | $2,858.04 | $2,013.72 | $238.17 | $167.81 | 0.000% | 0.000% | 0.000% | 02/03/2026 | 789 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.6 | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.05 | 0.95 | XXXXX | XXXXX | 1.580% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 22.67 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000115876 | XXXXX | Non QM | Yes | No | $2,565.00 | $3,441.27 | 6.802% | $3,948.17 | $3,948.17 | 6.750% | No | No | Self-Employed | Permanent Resident Alien | $11,515.63 | 1 | $15,061.44 | $1,615.80 | $1,255.12 | $134.65 | 36.555% | 36.555% | 36.555% | 01/22/2026 | 801 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2024 |
Alternative Documentation (A) | 2yr P&L w/o Bank Statements | 0 | 0 | 0 | No | XXXXX | $2,565.00 | 6.100% | $0.00 | 1.0 | None | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 25.00 | No | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | No | 22.52 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117926 | XXXXX | Non QM | Yes | No | $8,865.00 | $11,039.00 | 6.678% | $3,868.26 | $3,868.26 | 6.500% | No | No | Employed | Permanent Resident Alien | $7,922.78 | 1 | $10,937.52 | $5,070.00 | $911.46 | $422.50 | 42.755% | 42.755% | 42.755% | 02/25/2026 | 801 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $8,865.00 | 6.100% | $1,000.00 | 1.0 | None | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 10.600% | No | 25 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 0.44 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116490 | XXXXX | Non QM | Yes | No | $2,600.00 | $2,873.50 | 6.535% | $5,536.92 | $5,536.92 | 6.500% | No | No | Self-Employed | US Citizen | $27,117.63 | 1 | $13,592.04 | $2,487.96 | $1,132.67 | $207.33 | 40.424% | 40.424% | 40.424% | 02/02/2026 | 736 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2024 |
Alternative Documentation (A) | 2yr P&L w/o Bank Statements | 0 | 0 | 0 | No | XXXXX | $2,600.00 | 6.130% | $0.00 | None | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 25.00 | No | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 29.06 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117681 | XXXXX | Non QM | Yes | No | $11,688.50 | $16,248.20 | 6.774% | $3,633.76 | $3,633.76 | 6.500% | No | No | Employed | US Citizen | $7,236.84 | 1 | $11,248.80 | $0.00 | $937.40 | $0.00 | 42.105% | 42.105% | 42.105% | 02/18/2026 | 776 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $11,688.50 | 6.100% | $0.00 | 1.0 | None | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 34.650% | No | 25 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 0.06 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116252 | XXXXX | Non QM | Yes | No | $4,981.00 | $8,370.00 | 6.621% | $3,741.84 | $3,741.84 | 6.500% | No | No | Self-Employed | US Citizen | $9,579.98 | 1 | $7,328.04 | $2,404.08 | $610.67 | $200.34 | 36.052% | 36.052% | 36.052% | 01/24/2026 | 773 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $4,981.00 | 6.100% | $0.00 | 1.0 | None | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 13.6 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116236 | XXXXX | Non QM | Yes | No | $1,550.00 | $2,948.44 | 6.261% | $12,314.34 | $12,314.34 | 6.250% | No | No | Employed | Employed | US Citizen | US Citizen | $25,548.45 | 1 | $29,996.04 | $5,949.00 | $2,499.67 | $495.75 | 39.282% | 39.282% | 39.282% | 01/06/2026 | 809 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | Yes | XXXXX | $1,550.00 | 6.130% | $0.00 | 4.5 | None | No | No | 6.250% | 3 | 3 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | No | 24 | 25 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 89.85 | No | $0.00 | $28,735.99 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000115854 | XXXXX | Non QM | Yes | No | $20,943.50 | $24,365.41 | 7.927% | $9,295.45 | $9,295.45 | 7.750% | No | No | Self-Employed | US Citizen | $33,553.37 | 1 | $14,293.44 | $1,693.80 | $1,191.12 | $141.15 | 30.758% | 30.758% | 30.758% | 01/07/2026 | 663 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $20,943.50 | 6.100% | $368,000.00 | None | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | XXXXX | 5.780% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 0 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000115708 | XXXXX | Non QM | Yes | No | $6,356.00 | $7,524.70 | 7.051% | $1,082.13 | $1,082.13 | 6.625% | No | No | Non-Employment Income | US Citizen | $6,690.34 | 1 | $6,825.60 | $3,931.08 | $568.80 | $327.59 | 27.380% | 27.380% | 27.380% | 01/14/2026 | 779 | Yes | No | [Borrower - |
Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion (Residual Income) | 0 | 0 | 0 | No | XXXXX | $6,356.00 | 6.100% | $2,000.00 | 1.0 | None | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 60 | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 336.53 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000115039 | XXXXX | N/A | No | No | $3,596.95 | $3,596.95 | 6.625% | No | No | US Citizen | 2 | $9,362.52 | $2,612.04 | $780.21 | $217.67 | 0.000% | 0.000% | 0.000% | 01/16/2026 | 798 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.47 | 0.68 | XXXXX | XXXXX | 3.000% | No | Yes | Preliminary | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 67.85 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000115693 | XXXXX | Non QM | Yes | No | $11,656.00 | $14,246.06 | 6.626% | $2,278.15 | $2,278.15 | 6.250% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $6,258.53 | 2 | $5,436.36 | $4,437.00 | $453.03 | $369.75 | 47.489% | 47.489% | 47.489% | 01/16/2026 | 758 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Non-Primary Income - Social Security]; Account Statements - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 |
[Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 1yr P&L w/o Bank Statements | 0 | 0 | 0 | No | XXXXX | $11,656.00 | 6.100% | $0.00 | None | N/A | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | XXXXX | No | 25 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 37.73 | No | $0.00 | $2,572.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119609 | XXXXX | N/A | No | No | $12,128.40 | $12,128.40 | 6.250% | No | No | 0 | US Citizen | $0.00 | $7,539.84 | $628.32 | 0.000% | 0.000% | 0.000% | 12/29/2025 | 778 | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.55 | 0.65 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | LLC | Guarantor - Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 487.35 | Yes | 5.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116122 | XXXXX | Non QM | Yes | No | $2,649.00 | $6,631.76 | 7.047% | $4,191.41 | $4,191.41 | 7.000% | No | No | Self-Employed | US Citizen | $12,846.70 | 1 | $7,126.08 | $1,689.96 | $593.84 | $140.83 | 43.029% | 43.029% | 43.029% | 02/03/2026 | 706 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2020 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $2,649.00 | 6.130% | $289,552.41 | 1.0 | None | Yes | No | 7.000% | 0 | 0 | 0 | 5 | 0 | 12 | 0.00 | No | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 10.13 | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000112301 | XXXXX | N/A | No | No | $916.59 | $916.59 | 7.625% | No | No | US Citizen | 1 | $1,304.64 | $2,190.00 | $108.72 | $182.50 | 0.000% | 0.000% | 0.000% | 07/11/2025 | 696 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.24 | 0.81 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 85.27 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000112281 | XXXXX | N/A | No | No | $1,364.35 | $1,364.35 | 7.250% | No | No | US Citizen | 3 | $4,724.04 | $2,027.04 | $393.67 | $168.92 | 0.000% | 0.000% | 0.000% | 08/20/2025 | 783 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.27 | 0.44 | XXXXX | XXXXX | 31.710% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 47.45 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000112261 | XXXXX | N/A | No | No | $1,609.94 | $1,609.94 | 7.250% | No | No | US Citizen | 1 | $4,338.00 | $1,884.00 | $361.50 | $157.00 | 0.000% | 0.000% | 0.000% | 09/09/2025 | 773 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.4 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.08 | 0.93 | XXXXX | XXXXX | 2.860% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 2.63 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000112290 | XXXXX | N/A | No | No | $2,788.40 | $2,788.40 | 7.250% | No | No | US Citizen | 1 | $4,153.08 | $425.04 | $346.09 | $35.42 | 0.000% | 0.000% | 0.000% | 08/13/2025 | 782 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.36 | 0.74 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 123.79 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000111986 | XXXXX | N/A | No | No | $1,573.23 | $1,573.23 | 7.500% | No | No | US Citizen | 1 | $2,301.84 | $608.04 | $191.82 | $50.67 | 0.000% | 0.000% | 0.000% | 10/07/2025 | 728 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.98 | 1.02 | XXXXX | XXXXX | 30.950% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 11.85 | Broker | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000112254 | XXXXX | N/A | No | No | $7,252.09 | $7,252.09 | 7.375% | No | No | US Citizen | 1 | $10,124.64 | $10,463.88 | $843.72 | $871.99 | 0.000% | 0.000% | 0.000% | 10/08/2025 | 775 | No | No | [Borrower]; 1084 or income worksheet - Year Not Available | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.91 | 1.1 | XXXXX | XXXXX | 15.720% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 58.11 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000112274 | XXXXX | N/A | No | No | $2,403.55 | $2,403.55 | 7.375% | No | No | Permanent Resident Alien | 1 | $3,224.52 | $1,532.04 | $268.71 | $127.67 | 0.000% | 0.000% | 0.000% | 09/17/2025 | 797 | No | No | [Borrower]; 1084 or income worksheet - Year Not Available | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.89 | 1.12 | XXXXX | XXXXX | 31.390% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 6.3 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000112259 | XXXXX | N/A | No | No | $1,693.88 | $1,693.88 | 7.375% | No | No | US Citizen | 1 | $2,412.84 | $1,371.00 | $201.07 | $114.25 | 0.000% | 0.000% | 0.000% | 10/02/2025 | 757 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.81 | 1.23 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 106.03 | Yes | 18.000% | $0.00 | $0.00 | No | No | No | No | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000112272 | XXXXX | N/A | No | No | $1,312.47 | $1,312.47 | 7.750% | No | No | US Citizen | 1 | $1,994.28 | $942.48 | $166.19 | $78.54 | 0.000% | 0.000% | 0.000% | 09/19/2025 | 706 | No | No | [Borrower]; 1084 or income worksheet - Year Not Available | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.83 | 1.2 | XXXXX | XXXXX | 53.370% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 39.28 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000112234 | XXXXX | N/A | No | No | $1,662.50 | $1,662.50 | 7.125% | No | No | US Citizen | 1 | $3,556.56 | $3,485.04 | $296.38 | $290.42 | 0.000% | 0.000% | 0.000% | 11/04/2025 | 782 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.05 | 0.95 | 240 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 66.81 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 240 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000112247 | XXXXX | N/A | No | No | $2,662.36 | $2,662.36 | 6.375% | No | No | US Citizen | US Citizen | 1 | $5,279.16 | $4,946.04 | $439.93 | $412.17 | 0.000% | 0.000% | 0.000% | 10/20/2025 | 810 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.6 | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.94 | 1.06 | XXXXX | XXXXX | 35.250% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 5.59 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000112300 | XXXXX | N/A | No | No | $3,749.53 | $3,749.53 | 7.999% | No | No | US Citizen | 2 | $5,467.68 | $860.04 | $455.64 | $71.67 | 0.000% | 0.000% | 0.000% | 12/02/2025 | 685 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 7.999% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.82 | 1.22 | 240 | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 71.81 | Yes | 18.000% | $0.00 | $0.00 | No | No | No | No | 1 | 240 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000112222 | XXXXX | N/A | No | No | $3,634.06 | $3,634.06 | 7.250% | No | No | US Citizen | 3 | $9,585.00 | $2,934.72 | $798.75 | $244.56 | 0.000% | 0.000% | 0.000% | 11/11/2025 | 752 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.41 | 0.71 | 240 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 5.04 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000112215 | XXXXX | N/A | No | No | $2,334.95 | $2,334.95 | 6.750% | No | No | Non-Permanent Resident Alien | 1 | $6,135.12 | $4,854.96 | $511.26 | $404.58 | 0.000% | 0.000% | 0.000% | 10/02/2025 | 722 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.02 | 0.99 | XXXXX | XXXXX | 19.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 0.56 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000109226 | XXXXX | N/A | No | No | $3,371.70 | $3,371.70 | 7.500% | No | No | Permanent Resident Alien | 1 | $11,137.92 | $5,211.00 | $928.16 | $434.25 | 0.000% | 0.000% | 0.000% | 12/05/2025 | 711 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.1 | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.78 | 1.29 | XXXXX | XXXXX | 5.720% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 28.32 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000112266 | XXXXX | N/A | No | No | $4,416.67 | $4,416.67 | 6.625% | No | No | US Citizen | 1 | $18,391.56 | $2,487.48 | $1,532.63 | $207.29 | 0.000% | 0.000% | 0.000% | 10/16/2025 | 809 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 999.0 | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.07 | 0.93 | 240 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 0.61 | Yes | 18.000% | $0.00 | $0.00 | No | No | No | No | 1 | 240 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000112295 | XXXXX | N/A | No | No | $5,309.57 | $5,309.57 | 7.375% | No | No | US Citizen | 2 | $8,129.40 | $2,042.04 | $677.45 | $170.17 | 0.000% | 0.000% | 0.000% | 12/17/2025 | 751 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.23 | 0.81 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 0.68 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000112132 | XXXXX | N/A | No | No | $6,221.45 | $6,221.45 | 7.250% | No | No | 0 | US Citizen | US Citizen | 1 | $6,827.28 | $5,028.72 | $568.94 | $419.06 | 0.000% | 0.000% | 0.000% | 12/09/2025 | 708 | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.5 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.09 | 0.92 | XXXXX | XXXXX | 0.500% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 0.11 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000111971 | XXXXX | N/A | No | No | $3,211.64 | $3,211.64 | 7.375% | No | No | US Citizen | 1 | $9,295.44 | $2,226.96 | $774.62 | $185.58 | 0.000% | 0.000% | 0.000% | 12/05/2025 | 728 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.79 | 1.26 | XXXXX | XXXXX | 19.560% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 6.99 | Broker | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000112183 | XXXXX | N/A | No | No | $2,629.40 | $2,629.40 | 6.500% | No | No | Non-Permanent Resident Alien | 2 | $11,300.16 | $2,589.12 | $941.68 | $215.76 | 0.000% | 0.000% | 0.000% | 12/19/2025 | 734 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.08 | 0.92 | XXXXX | XXXXX | 10.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 90.64 | Yes | 18.000% | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000112043 | XXXXX | N/A | No | No | $2,965.69 | $2,965.69 | 9.125% | No | No | US Citizen | 1 | $5,782.56 | $2,655.12 | $481.88 | $221.26 | 0.000% | 0.000% | 0.000% | 12/30/2025 | 701 | No | No | DSCR | Chapter 7 | 1 | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.1 | N/A | No | 9.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.52 | 1.93 | XXXXX | XXXXX | 0.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 6.47 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000112164 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $7,030.01 | $2,936.61 | 7.545% | $1,196.59 | $1,196.59 | 7.375% | No | No | Employed | Permanent Resident Alien | $12,249.24 | 1 | $6,424.44 | $3,681.60 | $535.37 | $306.80 | 14.936% | 14.936% | 14.936% | 12/01/2025 | 728 | No | No | [Borrower - |
Primary Income - Wages]; Employer Letter - 2025 [Borrower - | Primary Income - Wages]; Other - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | XXXXX | $7,030.01 | 6.270% | $235,000.00 | 1.0 | None | N/A | No | 7.375% | 2 | 0 | 0 | 3 | 1 | 0.00 | No | XXXXX | XXXXX | 6.180% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 9.37 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000112157 | XXXXX | N/A | No | No | $1,015.93 | $1,015.93 | 6.250% | No | No | US Citizen | 1 | $5,871.60 | $494.04 | $489.30 | $41.17 | 0.000% | 0.000% | 0.000% | 12/16/2025 | 784 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.09 | 0.92 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 58.78 | Yes | 18.000% | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000112057 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $6,215.00 | $8,921.00 | 7.624% | $2,320.67 | $2,320.67 | 7.375% | No | No | Self-Employed | US Citizen | $6,360.25 | 1 | $5,250.00 | $939.00 | $437.50 | $78.25 | 43.073% | 43.073% | 43.073% | 11/13/2025 | 700 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 1yr P&L w/o Bank Statements | 0 | 0 | 0 | XXXXX | $6,215.00 | 6.180% | $0.00 | 1.0 | None | N/A | No | 7.375% | 0 | 0 | 0 | 3 | 0 | 12.00 | No | XXXXX | XXXXX | 2.280% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 3.39 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000112072 | XXXXX | N/A | No | No | $1,940.93 | $1,940.93 | 6.750% | No | No | 0 | US Citizen | US Citizen | 1 | $1,117.92 | $3,134.40 | $93.16 | $261.20 | 0.000% | 0.000% | 0.000% | 12/08/2025 | 781 | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.87 | 1.15 | XXXXX | XXXXX | 12.580% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 25.06 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000112200 | XXXXX | N/A | No | No | $1,381.41 | $1,381.41 | 7.250% | No | No | Non-Permanent Resident Alien | 1 | $4,314.24 | $1,979.28 | $359.52 | $164.94 | 0.000% | 0.000% | 0.000% | 11/07/2025 | 721 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 3.0 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.06 | 0.94 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 43.81 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000112227 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $14,103.75 | $15,465.45 | 9.118% | $3,607.02 | $3,607.02 | 8.750% | No | No | Self-Employed | US Citizen | $11,006.09 | 2 | $7,862.76 | $2,984.88 | $655.23 | $248.74 | 36.557% | 36.557% | 36.557% | 11/20/2025 | 655 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Account Statements - Business - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2018 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 |
Alternative Documentation (A) | 1yr P&L w/Bank Statements | 0 | 0 | 0 | XXXXX | $14,103.75 | 6.170% | $0.00 | None | N/A | No | 8.750% | 0 | 0 | 0 | 3 | 0 | 12.00 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 9.41 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000112284 | XXXXX | N/A | No | No | $2,324.54 | $2,324.54 | 7.125% | No | No | US Citizen | 1 | $10,709.64 | $1,234.32 | $892.47 | $102.86 | 0.000% | 0.000% | 0.000% | 01/05/2026 | 765 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.7 | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.8 | 1.25 | XXXXX | XXXXX | 44.570% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 5.47 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000112134 | XXXXX | N/A | No | No | $2,947.89 | $2,947.89 | 7.500% | No | No | Non-Permanent Resident Alien | 1 | $13,526.40 | $2,153.04 | $1,127.20 | $179.42 | 0.000% | 0.000% | 0.000% | 12/08/2025 | 734 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.06 | 0.95 | XXXXX | XXXXX | 5.120% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 373.95 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000112125 | XXXXX | N/A | No | No | $10,434.38 | $10,434.38 | 6.625% | No | No | US Citizen | 1 | $8,583.96 | $5,033.64 | $715.33 | $419.47 | 0.000% | 0.000% | 0.000% | 01/16/2026 | 716 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.73 | 0.58 | 240 | XXXXX | No | Yes | Commitment | Fee Simple | Trust | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 10.7 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 240 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000112130 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $12,963.00 | $13,956.60 | 7.852% | $4,473.26 | $4,473.26 | 7.625% | No | No | Self-Employed | Non-Permanent Resident Alien | XXX | $6,220.04 | 1 | $6,756.36 | $1,640.04 | $563.03 | $136.67 | 45.762% | 45.762% | 45.762% | 12/10/2025 | 725 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXXX | $12,963.00 | 6.220% | $0.00 | 2.0 | None | N/A | No | 7.625% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | VISA | No | 42.22 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000112068 | XXXXX | N/A | No | No | $2,406.30 | $2,406.30 | 6.750% | No | No | US Citizen | 1 | $963.60 | $1,152.96 | $80.30 | $96.08 | 0.000% | 0.000% | 0.000% | 12/18/2025 | 697 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.9 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.08 | 0.92 | XXXXX | No | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 10.67 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000112287 | XXXXX | N/A | No | No | $2,805.09 | $2,805.09 | 6.875% | No | No | US Citizen | 1 | $5,184.96 | $822.00 | $432.08 | $68.50 | 0.000% | 0.000% | 0.000% | 12/29/2025 | 739 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.6 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.88 | 1.13 | XXXXX | XXXXX | 31.320% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 1.91 | Yes | 18.000% | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000112149 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $12,970.00 | $13,311.27 | 6.921% | $2,913.41 | $2,913.41 | 6.625% | No | No | Self-Employed | US Citizen | $22,730.91 | 1 | $5,684.04 | $1,845.84 | $473.67 | $153.82 | 27.170% | 27.170% | 27.170% | 10/29/2025 | 704 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense
Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXXX | $12,970.00 | 6.180% | $0.00 | 1.3 | None | N/A | No | 6.625% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 13.47 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000111989 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $2,420.31 | $565.00 | 7.284% | $1,406.99 | $1,406.99 | 7.250% | No | No | Self-Employed | Non-Permanent Resident Alien | XXX | $5,924.96 | 1 | $2,364.96 | $906.00 | $197.08 | $75.50 | 25.318% | 25.318% | 25.318% | 01/15/2026 | 688 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 |
Alternative Documentation (A) | 1yr P&L w/o Bank Statements | 0 | 0 | 0 | XXXXX | $2,420.31 | 6.060% | $63,832.13 | 4.6 | None | N/A | No | 7.250% | 0 | 0 | 0 | 3 | 0 | 12.00 | No | XXXXX | XXXXX | 1.810% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Employment Authorization | 11.45 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000112230 | XXXXX | N/A | No | No | $2,161.30 | $2,161.30 | 6.875% | No | No | US Citizen | 1 | $5,331.96 | $1,696.20 | $444.33 | $141.35 | 0.000% | 0.000% | 0.000% | 01/19/2026 | 777 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.08 | 0.92 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 2.42 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000112039 | XXXXX | N/A | No | No | $1,145.83 | $1,145.83 | 7.375% | No | No | US Citizen | 1 | $3,640.56 | $3,840.96 | $303.38 | $320.08 | 0.000% | 0.000% | 0.000% | 12/30/2025 | 665 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.9 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.24 | 0.8 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 83.47 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000112168 | XXXXX | N/A | No | No | $9,733.85 | $9,733.85 | 6.500% | No | No | US Citizen | 1 | $25,532.76 | $5,109.96 | $2,127.73 | $425.83 | 0.000% | 0.000% | 0.000% | 11/25/2025 | 721 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.8 | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.1 | 0.91 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 3.36 | Yes | 18.000% | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000112122 | XXXXX | N/A | No | No | $1,547.01 | $1,547.01 | 7.500% | No | No | US Citizen | 1 | $4,679.64 | $1,143.00 | $389.97 | $95.25 | 0.000% | 0.000% | 0.000% | 10/23/2025 | 786 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.6 | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.18 | 0.85 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 103.23 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000112034 | XXXXX | N/A | No | No | $1,429.03 | $1,429.03 | 7.750% | No | No | 0 | Non-Permanent Resident Alien | Non-Permanent Resident Alien | 1 | $8,617.44 | $5,037.36 | $718.12 | $419.78 | 0.000% | 0.000% | 0.000% | 11/26/2025 | 715 | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | Yes | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.86 | 1.17 | XXXXX | XXXXX | 16.110% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 6.94 | Yes | 18.000% | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000112045 | XXXXX | N/A | No | No | $909.27 | $909.27 | 7.250% | No | No | US Citizen | 1 | $2,019.12 | $905.04 | $168.26 | $75.42 | 0.000% | 0.000% | 0.000% | 12/30/2025 | 711 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | 1.0 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.39 | 0.72 | 240 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 22.82 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000112217 | XXXXX | N/A | No | No | $1,698.44 | $1,698.44 | 6.375% | No | No | Non-Permanent Resident Alien | 1 | $3,108.00 | $991.80 | $259.00 | $82.65 | 0.000% | 0.000% | 0.000% | 12/18/2025 | 683 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | No | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.1 | 0.91 | XXXXX | XXXXX | 24.990% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 0.67 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000112086 | XXXXX | N/A | No | No | $1,256.18 | $1,256.18 | 7.875% | No | No | US Citizen | 1 | $966.00 | $1,288.80 | $80.50 | $107.40 | 0.000% | 0.000% | 0.000% | 01/20/2026 | 715 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.38 | 0.72 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 32.67 | Yes | 18.000% | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000112089 | XXXXX | N/A | No | No | $4,268.85 | $4,268.85 | 7.875% | No | No | US Citizen | 2 | $13,192.44 | $4,680.96 | $1,099.37 | $390.08 | 0.000% | 0.000% | 0.000% | 12/11/2025 | 658 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | No | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 6.82 | Yes | 18.000% | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000112011 | XXXXX | N/A | No | No | $1,042.71 | $1,042.71 | 6.875% | No | No | US Citizen | 1 | $1,040.28 | $1,171.32 | $86.69 | $97.61 | 0.000% | 0.000% | 0.000% | 12/23/2025 | 694 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.8 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.47 | 0.68 | 240 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 46.68 | Yes | 18.000% | $0.00 | $0.00 | No | No | No | No | 1 | 240 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000112036 | XXXXX | N/A | No | No | $2,844.31 | $2,844.31 | 6.500% | No | No | US Citizen | 1 | $11,799.84 | $2,204.88 | $983.32 | $183.74 | 0.000% | 0.000% | 0.000% | 01/02/2026 | 765 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.0 | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.02 | 0.98 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 106.49 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000112113 | XXXXX | N/A | No | No | $1,158.95 | $1,158.95 | 7.500% | No | No | US Citizen | 1 | $2,683.68 | $1,231.92 | $223.64 | $102.66 | 0.000% | 0.000% | 0.000% | 12/13/2025 | 723 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.6 | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.21 | 0.83 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 102.97 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000112032 | XXXXX | N/A | No | No | $3,941.57 | $3,941.57 | 6.875% | No | No | US Citizen | 1 | $6,593.52 | $1,851.96 | $549.46 | $154.33 | 0.000% | 0.000% | 0.000% | 01/02/2026 | 741 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | XXXXX | XXXXX | 42.960% | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 24.64 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000112071 | XXXXX | N/A | No | No | $1,448.53 | $1,448.53 | 6.875% | No | No | 0 | Non-Permanent Resident Alien | 1 | $4,094.40 | $1,181.40 | $341.20 | $98.45 | 0.000% | 0.000% | 0.000% | 10/06/2025 | 766 | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | 1.0 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.17 | 0.86 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 106.3 | Yes | 18.000% | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000112004 | XXXXX | N/A | No | No | $2,536.10 | $2,536.10 | 7.750% | No | No | US Citizen | 1 | $1,968.60 | $1,610.52 | $164.05 | $134.21 | 0.000% | 0.000% | 0.000% | 11/20/2025 | 718 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.21 | 0.82 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 14.69 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000112147 | XXXXX | N/A | No | No | $4,860.51 | $4,860.51 | 7.250% | No | No | US Citizen | 1 | $1,977.24 | $2,082.12 | $164.77 | $173.51 | 0.000% | 0.000% | 0.000% | 12/04/2025 | 771 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.1 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.35 | 0.74 | XXXXX | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 20.69 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000112002 | XXXXX | N/A | No | No | $1,520.79 | $1,520.79 | 7.500% | No | No | US Citizen | 1 | $6,825.48 | $987.36 | $568.79 | $82.28 | 0.000% | 0.000% | 0.000% | 01/12/2026 | 791 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.3 | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.86 | 1.16 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 14.28 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000112115 | XXXXX | N/A | No | No | $2,331.03 | $2,331.03 | 7.375% | No | No | US Citizen | US Citizen | 4 | $3,400.68 | $2,601.00 | $283.39 | $216.75 | 0.000% | 0.000% | 0.000% | 11/03/2025 | 767 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.41 | 0.71 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 27.06 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 8 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000112107 | XXXXX | N/A | No | No | $1,848.70 | $1,848.70 | 7.250% | No | No | US Citizen | 1 | $1,557.24 | $2,372.88 | $129.77 | $197.74 | 0.000% | 0.000% | 0.000% | 10/27/2025 | 710 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.26 | 0.79 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 14.25 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000112196 | XXXXX | N/A | No | No | $5,016.49 | $5,016.49 | 7.625% | No | No | US Citizen | 2 | $6,757.68 | $5,304.96 | $563.14 | $442.08 | 0.000% | 0.000% | 0.000% | 11/13/2025 | 704 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.05 | 0.96 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 22.08 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000112162 | XXXXX | N/A | No | No | $1,466.40 | $1,466.40 | 6.500% | No | No | US Citizen | 1 | $2,541.96 | $747.00 | $211.83 | $62.25 | 0.000% | 0.000% | 0.000% | 11/19/2025 | 765 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.6 | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.08 | 0.93 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 114.51 | Yes | 18.000% | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000112143 | XXXXX | N/A | No | No | $1,357.18 | $1,357.18 | 7.375% | No | No | US Citizen | 1 | $3,953.16 | $1,488.24 | $329.43 | $124.02 | 0.000% | 0.000% | 0.000% | 11/24/2025 | 747 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.6 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.34 | 0.75 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 24.64 | Yes | 18.000% | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000112007 | XXXXX | N/A | No | No | $2,078.52 | $2,078.52 | 6.875% | No | No | US Citizen | 1 | $7,399.32 | $377.04 | $616.61 | $31.42 | 0.000% | 0.000% | 0.000% | 12/04/2025 | 722 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 3.1 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.05 | 0.95 | XXXXX | XXXXX | 7.690% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 8.87 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000112079 | XXXXX | N/A | No | No | $10,730.29 | $10,730.29 | 7.999% | No | No | US Citizen | 4 | $22,842.24 | $7,103.88 | $1,903.52 | $591.99 | 0.000% | 0.000% | 0.000% | 12/19/2025 | 772 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 7.999% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.82 | 1.22 | XXXXX | XXXXX | 83.550% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 83.59 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000112145 | XXXXX | N/A | No | No | $1,091.42 | $1,091.42 | 7.125% | No | No | US Citizen | 2 | $1,127.04 | $1,668.96 | $93.92 | $139.08 | 0.000% | 0.000% | 0.000% | 12/03/2025 | 710 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.55 | 0.65 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 35.88 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000112204 | XXXXX | N/A | No | No | $1,471.52 | $1,471.52 | 6.875% | No | No | US Citizen | 1 | $3,500.04 | $1,178.04 | $291.67 | $98.17 | 0.000% | 0.000% | 0.000% | 10/16/2025 | 732 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.05 | 0.95 | XXXXX | XXXXX | 2.850% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 3.73 | Yes | 18.000% | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000112298 | XXXXX | N/A | No | No | $3,591.51 | $3,591.51 | 7.375% | No | No | Non-Permanent Resident Alien | 2 | $4,381.92 | $2,235.00 | $365.16 | $186.25 | 0.000% | 0.000% | 0.000% | 07/15/2025 | 736 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.16 | 0.86 | XXXXX | XXXXX | 9.110% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 10.17 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000112289 | XXXXX | N/A | No | No | $2,788.40 | $2,788.40 | 7.250% | No | No | US Citizen | 1 | $4,153.08 | $425.04 | $346.09 | $35.42 | 0.000% | 0.000% | 0.000% | 08/13/2025 | 782 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.36 | 0.74 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 124.08 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000112257 | XXXXX | N/A | No | No | $1,605.28 | $1,605.28 | 6.750% | No | No | US Citizen | 1 | $5,007.36 | $1,520.04 | $417.28 | $126.67 | 0.000% | 0.000% | 0.000% | 09/25/2025 | 708 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.93 | 1.07 | XXXXX | XXXXX | 51.100% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 31.46 | Yes | 18.000% | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117029 | XXXXX | Non QM | Yes | No | $16,570.00 | $853.33 | 6.384% | $6,987.34 | $6,987.34 | 6.375% | No | No | Self-Employed | Non-Permanent Resident Alien | XXX | $24,706.93 | 1 | $27,851.52 | $1,697.04 | $2,320.96 | $141.42 | 44.792% | 44.792% | 44.792% | 01/05/2026 | 722 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2024 |
Alternative Documentation (A) | 2yr P&L w/o Bank Statements | 0 | 0 | 0 | No | XXXXX | $16,570.00 | 6.130% | $0.00 | 1.5 | None | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 24.00 | No | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Employment Authorization | No | 29.01 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118075 | XXXXX | N/A | No | No | $7,355.69 | $7,355.69 | 7.375% | No | No | US Citizen | 1 | $15,144.24 | $25,318.08 | $1,262.02 | $2,109.84 | 0.000% | 0.000% | 0.000% | 02/12/2026 | 734 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.9 | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.47 | 2.15 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 7.6 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118172 | XXXXX | N/A | No | No | $1,049.21 | $1,049.21 | 6.000% | No | No | US Citizen | US Citizen | 1 | $3,981.48 | $2,904.48 | $331.79 | $242.04 | 0.000% | 0.000% | 0.000% | 01/06/2026 | 797 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.8 | Yes | No | 6.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.29 | 0.77 | XXXXX | XXXXX | No | Yes | Short Form | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 71.76 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116526 | XXXXX | N/A | No | No | $511.63 | $511.63 | 7.250% | No | No | US Citizen | 1 | $1,002.36 | $1,040.04 | $83.53 | $86.67 | 0.000% | 0.000% | 0.000% | 01/09/2026 | 756 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.47 | 0.68 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 102.59 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116319 | XXXXX | N/A | No | No | $2,700.72 | $2,700.72 | 7.500% | No | No | US Citizen | 1 | $3,152.04 | $10,692.00 | $262.67 | $891.00 | 0.000% | 0.000% | 0.000% | 01/15/2026 | 731 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.81 | 1.23 | XXXXX | XXXXX | 4.700% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 47.39 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118530 | XXXXX | N/A | No | No | $2,920.15 | $2,920.15 | 6.500% | No | No | US Citizen | 1 | $9,240.00 | $1,303.20 | $770.00 | $108.60 | 0.000% | 0.000% | 0.000% | 02/17/2026 | 783 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.67 | 1.49 | XXXXX | XXXXX | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 385.31 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118168 | XXXXX | N/A | No | No | $989.26 | $989.26 | 6.000% | No | No | US Citizen | US Citizen | 1 | $3,743.40 | $4,091.88 | $311.95 | $340.99 | 0.000% | 0.000% | 0.000% | 01/06/2026 | 797 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | No | No | 6.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.46 | 0.68 | XXXXX | No | Yes | Short Form | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 11.73 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117336 | XXXXX | Non QM | Yes | No | $3,180.00 | $3,364.47 | 7.155% | $5,864.38 | $6,674.31 | 7.658% | No | No | Employed | US Citizen | $14,634.54 | 1 | $16,364.52 | $1,979.04 | $1,363.71 | $164.92 | 38.437% | 39.813% | 38.437% | 02/07/2026 | 781 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $3,180.00 | 6.160% | $0.00 | 2.4 | None | Yes | No | 7.658% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | No | 25 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 1.56 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117816 | XXXXX | N/A | No | No | $1,872.25 | $1,872.25 | 6.875% | No | No | US Citizen | 1 | $7,669.44 | $566.04 | $639.12 | $47.17 | 0.000% | 0.000% | 0.000% | 01/16/2026 | 732 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.89 | 1.13 | XXXXX | XXXXX | 37.260% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 13.3 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118020 | XXXXX | N/A | No | No | $1,297.20 | $1,297.20 | 6.750% | No | No | Permanent Resident Alien | 1 | $8,845.44 | $1,139.04 | $737.12 | $94.92 | 0.000% | 0.000% | 0.000% | 01/05/2026 | 808 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.05 | 0.95 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 15.52 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000115844 | XXXXX | Non QM | Yes | No | $0.00 | 6.497% | $2,568.72 | $2,568.72 | 6.500% | No | No | Employed | Employed | US Citizen | US Citizen | $6,283.95 | 1 | $14,434.68 | $4,397.04 | $1,202.89 | $366.42 | 42.761% | 42.761% | 42.761% | 02/02/2026 | 779 | No | No | [Borrower - |
Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2022 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2022 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.100% | $0.00 | 2.7 | None | Yes | No | 6.500% | 4 | 4 | 0 | 0 | 4 | 0 | 0.00 | No | XXXXX | XXXXX | 100.000% | No | 25 | 25 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 208.75 | Yes | No | $0.00 | $5,556.06 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000114707 | XXXXX | N/A | No | No | $5,895.76 | $5,895.76 | 6.750% | No | No | US Citizen | 1 | $16,250.04 | $3,656.52 | $1,354.17 | $304.71 | 0.000% | 0.000% | 0.000% | 02/10/2026 | 729 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.67 | 1.49 | XXXXX | XXXXX | 71.590% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 44.8 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000113454 | XXXXX | Non QM | Yes | No | $1,740.00 | $7,638.35 | 6.300% | $9,482.04 | $9,482.04 | 6.250% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $20,557.73 | 1 | $27,500.04 | $2,924.28 | $2,291.67 | $243.69 | 45.515% | 45.515% | 45.515% | 01/15/2026 | 808 | Yes | No | [Borrower - |
Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | No | XXXXX | $1,740.00 | 6.140% | $0.00 | 3.2 | None | No | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | Other | XXXXX | XXXXX | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 380.18 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117535 | XXXXX | N/A | No | No | $3,041.48 | $3,041.48 | 6.625% | No | No | US Citizen | 1 | $7,677.84 | $7,880.04 | $639.82 | $656.67 | 0.000% | 0.000% | 0.000% | 01/23/2026 | 764 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.1 | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 10.55 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000114695 | XXXXX | N/A | No | No | $8,798.90 | $8,798.90 | 7.999% | No | No | US Citizen | 3 | $14,755.20 | $2,396.76 | $1,229.60 | $199.73 | 0.000% | 0.000% | 0.000% | 01/23/2026 | 790 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 7.999% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.53 | 0.65 | 360 | XXXXX | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 126.78 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000115696 | XXXXX | N/A | No | No | $36,256.00 | $21,720.50 | 8.322% | $3,770.36 | $3,770.36 | 7.875% | No | No | Self-Employed | US Citizen | $34,660.20 | 1 | $5,805.72 | $597.96 | $483.81 | $49.83 | 40.133% | 40.133% | 40.133% | 12/10/2025 | 702 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $36,256.00 | 6.100% | $0.00 | 1.0 | None | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 39.51 | No | No | $0.00 | $0.00 | No | No | No | No | 5 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000115812 | XXXXX | N/A | No | No | $1,609.18 | $1,609.18 | 6.875% | No | No | US Citizen | 1 | $5,807.28 | $1,166.52 | $483.94 | $97.21 | 0.000% | 0.000% | 0.000% | 11/07/2025 | 730 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.16 | 0.87 | 360 | XXXXX | XXXXX | 0.880% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 11.73 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000113311 | XXXXX | Non QM | Yes | No | $18,074.60 | $19,122.39 | 6.630% | $9,195.63 | $9,195.63 | 6.499% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $17,902.96 | 1 | $20,332.80 | $4,759.08 | $1,694.40 | $396.59 | 44.199% | 44.199% | 44.199% | 01/20/2026 | 761 | No | Yes | 12 | Business | 81.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Wages]; Other - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 1084 or income worksheet - Year Not
Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Yes | XXXXX | $18,074.60 | 5.990% | $0.00 | 1.0 | None | N/A | No | 6.499% | 0 | 3 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | No | 3 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 23.99 | No | $0.00 | $6,083.34 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000112436 | XXXXX | Non QM | Yes | No | $11,560.00 | $10,353.16 | 6.645% | $4,468.26 | $4,468.26 | 6.499% | No | No | Self-Employed | US Citizen | $10,340.16 | 1 | $3,745.44 | $1,181.16 | $312.12 | $98.43 | 32.324% | 32.324% | 32.324% | 01/08/2026 | 796 | No | No | [Borrower - |
Primary Income - Sole Proprietor]; CPA Letter - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | XXXXX | $11,560.00 | 6.060% | $0.00 | None | N/A | No | 6.499% | 1 | 0 | 0 | 2 | 1 | No | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 10.97 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118305 | XXXXX | N/A | No | No | $3,065.42 | $3,065.42 | 7.125% | No | No | 0 | US Citizen | US Citizen | 3 | $3,232.80 | $5,616.00 | $269.40 | $468.00 | 0.000% | 0.000% | 0.000% | 01/08/2026 | 700 | Level 3-Stated/Partially Verified | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.31 | 0.76 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 13.01 | Yes | 18.000% | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117983 | XXXXX | N/A | No | No | $948.10 | $948.10 | 6.500% | No | No | US Citizen | US Citizen | 1 | $3,189.72 | $417.96 | $265.81 | $34.83 | 0.000% | 0.000% | 0.000% | 01/07/2026 | 717 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.6 | No | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.26 | 0.79 | XXXXX | XXXXX | 55.220% | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 6.7 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118613 | XXXXX | N/A | No | No | $1,730.56 | $1,730.56 | 7.500% | No | No | US Citizen | 1 | $5,276.76 | $2,784.60 | $439.73 | $232.05 | 0.000% | 0.000% | 0.000% | 11/26/2025 | 783 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.92 | 1.09 | XXXXX | XXXXX | 1.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 37.07 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116616 | XXXXX | N/A | No | No | $1,817.96 | $1,817.96 | 7.500% | No | No | US Citizen | 1 | $2,561.04 | $2,116.68 | $213.42 | $176.39 | 0.000% | 0.000% | 0.000% | 02/05/2026 | 734 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.4 | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.13 | 0.88 | XXXXX | XXXXX | 23.630% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 35.3 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117105 | XXXXX | N/A | No | No | $617.63 | $617.63 | 6.375% | No | No | US Citizen | 1 | $1,701.96 | $991.56 | $141.83 | $82.63 | 0.000% | 0.000% | 0.000% | 02/14/2026 | 701 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.2 | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.63 | 0.61 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 106.09 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118493 | XXXXX | Non QM | Yes | No | $20,365.00 | $22,266.86 | 7.325% | $4,326.19 | $5,060.35 | 7.668% | No | No | Self-Employed | US Citizen | $7,472.08 | 1 | $11,124.96 | $1,470.00 | $927.08 | $122.50 | 45.396% | 46.245% | 45.396% | 02/06/2026 | 783 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 40.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements
Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $20,365.00 | 6.150% | $0.00 | None | Yes | No | 7.668% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 3.030% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 12.45 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000115869 | XXXXX | Non QM | Yes | No | $2,665.00 | $3,012.82 | 7.711% | $7,365.27 | $9,210.31 | 8.658% | No | No | Self-Employed | US Citizen | $28,636.59 | 1 | $18,384.24 | $1,376.04 | $1,532.02 | $114.67 | 36.983% | 36.065% | 36.983% | 02/03/2026 | 777 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; Business License - 2026 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 |
Alternative Documentation (A) | 2yr P&L w/o Bank Statements | 0 | 0 | 0 | No | XXXXX | $2,665.00 | 6.160% | $0.00 | 1.0 | None | N/A | No | 8.658% | 0 | 0 | 0 | 0 | 0 | 24.00 | No | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 5.73 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116950 | XXXXX | N/A | No | No | $1,379.55 | $1,379.55 | 6.875% | No | No | US Citizen | 2 | $1,675.20 | $2,007.84 | $139.60 | $167.32 | 0.000% | 0.000% | 0.000% | 02/06/2026 | 701 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.48 | 0.67 | XXXXX | XXXXX | 32.660% | No | Yes | Commitment | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 4.86 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118005 | XXXXX | Non QM | Yes | No | $5,685.00 | $10,643.17 | 8.205% | $3,074.47 | $3,074.47 | 8.000% | No | No | Employed | US Citizen | $8,522.70 | 1 | $7,702.08 | $1,343.88 | $641.84 | $111.99 | 46.733% | 46.733% | 46.733% | 01/28/2026 | 672 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $5,685.00 | 6.100% | $0.00 | None | N/A | No | 8.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 11.250% | No | 12 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 12.28 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118106 | XXXXX | Non QM | Yes | No | $2,485.00 | $2,838.56 | 7.431% | $3,459.57 | $3,692.17 | 7.658% | No | No | Employed | Employed | US Citizen | US Citizen | $11,224.84 | 1 | $9,194.88 | $1,184.16 | $766.24 | $98.68 | 39.325% | 41.572% | 39.325% | 01/16/2026 | 810 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $2,485.00 | 6.160% | $0.00 | 1.2 | None | Yes | No | 7.658% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | No | 25 | 25 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 13.5 | No | No | $0.00 | $12,270.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120084 | XXXXX | N/A | No | No | $2,294.00 | $10,600.44 | 7.027% | $8,243.10 | $8,243.10 | 7.000% | No | No | Self-Employed | US Citizen | $19,713.84 | 1 | $4,069.80 | $7,164.00 | $339.15 | $597.00 | 44.160% | 44.160% | 44.160% | 09/17/2025 | 751 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $2,294.00 | 6.290% | $0.00 | 3.4 | None | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 22.45 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120417 | XXXXX | Non QM | Yes | No | $2,630.28 | $0.00 | 7.098% | $2,539.33 | $2,539.33 | 7.125% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $3,998.73 | 1 | $8,958.00 | $1,679.64 | $746.50 | $139.97 | 46.428% | 46.428% | 46.428% | 12/11/2025 | 788 | No | No | [Borrower - |
Primary Income - Social Security]; Award Letter / Continuance Letter -
2025 [Borrower - | Primary Income - Social Security]; 1099-SSA - 2024 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Coborrower(s) - | Primary Income - Social Security]; 1099-SSA - 2024 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $2,630.28 | 6.260% | $20,000.00 | 3.1 | None | No | No | 7.125% | 0 | 0 | 1 | 0 | 2 | 2 | 0.00 | No | XXXXX | XXXXX | 47.720% | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 21.05 | Yes | No | $1,813.58 | $0.00 | No | No | No | No | 4 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118582 | XXXXX | N/A | No | No | $1,272.39 | $1,272.39 | 7.000% | No | No | US Citizen | 2 | $4,367.16 | $2,084.04 | $363.93 | $173.67 | 0.000% | 0.000% | 0.000% | 01/21/2026 | 754 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | No | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.49 | 0.67 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 9.48 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117948 | XXXXX | N/A | No | No | $1,430.20 | $1,430.20 | 7.875% | No | No | US Citizen | 1 | $3,433.32 | $1,827.00 | $286.11 | $152.25 | 0.000% | 0.000% | 0.000% | 02/16/2026 | 792 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.9 | 1.11 | XXXXX | XXXXX | 28.320% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 3.49 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118811 | XXXXX | Non QM | Yes | No | $8,359.00 | $10,404.25 | 7.377% | $1,639.31 | $1,639.31 | 7.000% | No | No | Employed | US Citizen | $3,615.82 | 1 | $2,242.92 | $2,895.96 | $186.91 | $241.33 | 37.044% | 37.044% | 37.044% | 02/19/2026 | 707 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $8,359.00 | 5.980% | $0.00 | 2.1 | None | No | No | 7.000% | 0 | 0 | 0 | 6 | 0 | 0.00 | No | XXXXX | XXXXX | 30.460% | No | 25 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 6.99 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118614 | XXXXX | N/A | No | No | $1,090.67 | $1,090.67 | 7.499% | No | No | US Citizen | 1 | $693.00 | $533.04 | $57.75 | $44.42 | 0.000% | 0.000% | 0.000% | 01/21/2026 | 703 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 7.499% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.89 | 1.12 | XXXXX | XXXXX | 100.000% | No | Yes | Short Form | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 225.89 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120063 | XXXXX | N/A | No | No | $3,016.11 | $3,016.11 | 6.625% | No | No | Permanent Resident Alien | 1 | $2,196.00 | $1,818.00 | $183.00 | $151.50 | 0.000% | 0.000% | 0.000% | 02/26/2026 | 720 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.5 | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.83 | 1.21 | XXXXX | XXXXX | 58.100% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 37.57 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 180 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118609 | XXXXX | N/A | No | No | $2,685.20 | $2,685.20 | 6.875% | No | No | Permanent Resident Alien | 1 | $3,559.44 | $1,602.00 | $296.62 | $133.50 | 0.000% | 0.000% | 0.000% | 01/20/2026 | 745 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.0 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.95 | 1.06 | XXXXX | XXXXX | 1.100% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 6.55 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118608 | XXXXX | N/A | No | No | $692.31 | $692.31 | 7.399% | No | No | US Citizen | 1 | $5,826.96 | $1,578.96 | $485.58 | $131.58 | 0.000% | 0.000% | 0.000% | 01/28/2026 | 718 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.2 | Yes | No | 7.399% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.89 | 0.53 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 68.37 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000114727 | XXXXX | N/A | No | No | $4,094.69 | $5,358.24 | 8.194% | $1,114.79 | $1,114.79 | 7.875% | No | No | Employed | US Citizen | $4,564.51 | 1 | $2,248.68 | $338.28 | $187.39 | $28.19 | 32.586% | 32.586% | 32.586% | 01/09/2026 | 748 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $4,094.69 | 6.100% | $0.00 | 1.0 | None | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | No | 25 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 84.74 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000370 | XXXXX | Non QM | Yes | No | $2,065.00 | $3,570.06 | 6.753% | $1,280.62 | $1,280.62 | 6.625% | No | No | Self-Employed | US Citizen | $9,126.58 | 1 | $6,362.64 | $2,079.24 | $530.22 | $173.27 | 41.588% | 41.588% | 41.588% | 01/08/2026 | 735 | No | Yes | 12 | Personal | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Yes | XXXXX | $2,065.00 | 6.060% | $0.00 | 1.0 | None | Yes | No | 6.625% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 58.26 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118552 | XXXXX | N/A | No | No | $1,150.94 | $1,150.94 | 6.875% | No | No | US Citizen | 1 | $1,337.64 | $1,584.96 | $111.47 | $132.08 | 0.000% | 0.000% | 0.000% | 01/28/2026 | 785 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.3 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.17 | 0.86 | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 180.48 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117897 | XXXXX | Non QM | Yes | No | $14,842.50 | $4,350.68 | 6.504% | $5,985.68 | $5,985.68 | 6.500% | No | No | Employed | Employed | US Citizen | US Citizen | $11,554.27 | 1 | $14,125.80 | $3,393.96 | $1,177.15 | $282.83 | 45.224% | 45.224% | 45.224% | 02/12/2026 | 768 | No | No | [Borrower - |
Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 1084 or income worksheet - Year Not
Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $14,842.50 | 6.100% | $0.00 | 1.0 | None | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | No | 25 | 25 | Yes | Preliminary | Fee Simple | Individual | Trustee | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 0.07 | No | No | $0.00 | $12,941.72 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117183 | XXXXX | Non QM | Yes | No | $13,371.25 | $8,721.60 | 6.580% | $4,269.62 | $4,269.62 | 6.500% | No | No | Employed | US Citizen | $8,870.94 | 1 | $14,962.44 | $1,937.40 | $1,246.87 | $161.45 | 41.224% | 41.224% | 41.224% | 02/05/2026 | 774 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $13,371.25 | 6.130% | $2,000.00 | 1.0 | None | Yes | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 33.800% | No | 25 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 4.17 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000115852 | XXXXX | Non QM | Yes | No | $2,565.00 | $2,890.96 | 6.424% | $3,781.87 | $3,781.87 | 6.375% | No | No | Self-Employed | Non-Permanent Resident Alien | XXX | $9,247.25 | 1 | $13,636.92 | $869.04 | $1,136.41 | $72.42 | 37.911% | 37.911% | 37.911% | 01/23/2026 | 727 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements
Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2024 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $2,565.00 | 6.100% | $0.00 | 2.6 | None | Yes | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Employment Authorization | No | 0.87 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118670 | XXXXX | Non QM | Yes | No | $2,565.00 | $12,466.67 | 6.305% | $7,240.83 | $7,240.83 | 6.250% | No | No | Employed | US Citizen | $13,943.96 | 1 | $18,375.00 | $2,029.20 | $1,531.25 | $169.10 | 44.805% | 44.805% | 44.805% | 02/13/2026 | 788 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $2,565.00 | 5.990% | $0.00 | 1.0 | None | N/A | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 21.440% | No | 25 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 7.34 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116909 | XXXXX | N/A | No | No | $1,394.81 | $1,394.81 | 6.750% | No | No | US Citizen | 1 | $1,713.96 | $1,624.20 | $142.83 | $135.35 | 0.000% | 0.000% | 0.000% | 03/03/2026 | 758 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.1 | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.2 | 0.84 | XXXXX | XXXXX | 62.760% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 121.12 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117404 | XXXXX | Non QM | Yes | No | $2,715.00 | $5,217.92 | 7.681% | $3,098.81 | $3,978.54 | 8.658% | No | No | Employed | US Citizen | $7,006.71 | 1 | $10,625.04 | $1,071.96 | $885.42 | $89.33 | 41.611% | 39.356% | 41.611% | 02/12/2026 | 811 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $2,715.00 | 6.160% | $0.00 | 1.6 | None | N/A | No | 8.658% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 14.850% | No | 25 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 7.56 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117156 | XXXXX | N/A | No | No | $1,100.65 | $1,100.65 | 8.000% | No | No | US Citizen | 1 | $2,159.52 | $1,037.04 | $179.96 | $86.42 | 0.000% | 0.000% | 0.000% | 03/02/2026 | 691 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 8.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.32 | 0.76 | XXXXX | XXXXX | 35.230% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 7.33 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116901 | XXXXX | N/A | No | No | $1,486.62 | $1,486.62 | 6.500% | No | No | US Citizen | US Citizen | 1 | $3,189.00 | $1,113.36 | $265.75 | $92.78 | 0.000% | 0.000% | 0.000% | 02/06/2026 | 812 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | XXXXX | XXXXX | 88.450% | No | Yes | Preliminary | Fee Simple | Individual | Trustee | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 99.74 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119538 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $11,164.38 | $23,162.98 | 7.174% | $16,482.52 | $16,482.52 | 7.125% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $60,861.90 | 1 | $23,018.04 | $6,081.24 | $1,918.17 | $506.77 | 25.759% | 25.759% | 25.759% | 12/18/2025 | 773 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2016 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2007 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $11,164.38 | 6.100% | $0.00 | 1.0 | None | No | No | 7.125% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 50.53 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117203 | XXXXX | Non QM | Yes | No | $2,195.00 | $9,361.80 | 6.644% | $8,011.89 | $8,011.89 | 6.625% | No | No | Employed | Not Employed | US Citizen | US Citizen | $33,372.47 | 1 | $26,373.12 | $3,618.96 | $2,197.76 | $301.58 | 44.763% | 44.763% | 44.763% | 01/29/2026 | 728 | No | No | [Borrower - |
Primary Income - Wages]; Employer Letter - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $2,195.00 | 6.130% | $0.00 | 1.6 | None | No | No | 6.625% | 2 | 0 | 0 | 0 | 4 | 0 | 0.00 | No | XXXXX | XXXXX | 43.000% | No | 26 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 13.02 | Yes | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120477 | XXXXX | N/A | No | No | $1,027.17 | $1,027.17 | 6.875% | No | No | US Citizen | 1 | $1,632.96 | $905.04 | $136.08 | $75.42 | 0.000% | 0.000% | 0.000% | 11/28/2025 | 807 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.29 | 0.78 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 118.84 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118048 | XXXXX | N/A | No | No | $913.51 | $913.51 | 8.171% | No | No | US Citizen | 1 | $3,528.84 | $2,881.80 | $294.07 | $240.15 | 0.000% | 0.000% | 0.000% | 01/23/2026 | 721 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 8.171% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.76 | 1.32 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 78.16 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118903 | XXXXX | Non QM | Yes | No | $4,260.35 | $7,469.92 | 6.984% | $897.54 | $897.54 | 6.500% | No | No | Self-Employed | US Citizen | $3,155.17 | 1 | $2,421.72 | $1,254.96 | $201.81 | $104.58 | 28.811% | 28.811% | 28.811% | 12/15/2025 | 777 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $4,260.35 | 5.990% | $0.00 | 1.0 | None | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 23.1 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116238 | XXXXX | Non QM | Yes | No | $8,177.70 | $11,314.20 | 7.068% | $3,054.72 | $3,054.72 | 6.875% | No | No | Self-Employed | US Citizen | $34,658.46 | 1 | $8,755.56 | $1,524.00 | $729.63 | $127.00 | 13.124% | 13.124% | 13.124% | 02/13/2026 | 770 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | Yes | XXXXX | $8,177.70 | 6.130% | $23,600.00 | 1.7 | None | No | No | 6.875% | 0 | 0 | 0 | 4 | 0 | 12.00 | No | XXXXX | XXXXX | 5.240% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 9.52 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118913 | XXXXX | N/A | No | No | $15,190.00 | $8,112.85 | 7.057% | $2,299.25 | $2,299.25 | 6.875% | No | No | Self-Employed | US Citizen | $11,634.75 | 1 | $9,200.04 | $1,479.96 | $766.67 | $123.33 | 40.422% | 40.422% | 40.422% | 02/18/2026 | 686 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 |
Alternative Documentation (A) | 2yr P&L w/o Bank Statements | 0 | 0 | 0 | No | XXXXX | $15,190.00 | 5.990% | $0.00 | None | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 24.00 | No | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 81.05 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000115868 | XXXXX | Non QM | Yes | No | $3,065.00 | $5,624.16 | 6.984% | $2,241.77 | $2,241.77 | 6.875% | No | No | Employed | Permanent Resident Alien | $5,207.54 | 1 | $2,383.32 | $1,056.96 | $198.61 | $88.08 | 45.184% | 45.184% | 45.184% | 01/28/2026 | 714 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $3,065.00 | 6.100% | $0.00 | 1.0 | None | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 31.490% | No | 25 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 8.32 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116157 | XXXXX | Non QM | Yes | No | $12,980.62 | $17,816.11 | 6.261% | $5,787.49 | $5,787.49 | 6.125% | No | No | Employed | US Citizen | $11,828.07 | 1 | $22,066.92 | $7,450.92 | $1,838.91 | $620.91 | 46.008% | 46.008% | 46.008% | 02/03/2026 | 754 | No | No | [Borrower - |
Primary Income - Wages]; Employer Letter - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $12,980.62 | 6.130% | $0.00 | None | Yes | No | 6.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 29.550% | No | 25 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 7.32 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000115289 | XXXXX | Non QM | Yes | No | $9,185.00 | $12,683.54 | 7.584% | $2,353.51 | $2,353.51 | 7.250% | No | No | Self-Employed | US Citizen | $9,215.74 | 1 | $5,065.32 | $632.04 | $422.11 | $52.67 | 40.691% | 40.691% | 40.691% | 01/21/2026 | 715 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $9,185.00 | 6.100% | $0.00 | None | N/A | No | 7.250% | 0 | 0 | 0 | 3 | 0 | 12.00 | No | XXXXX | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 5.14 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118489 | XXXXX | Non QM | Yes | No | $7,972.00 | $12,303.89 | 6.311% | $3,194.21 | $3,194.21 | 6.125% | No | No | Self-Employed | US Citizen | $6,548.10 | 1 | $11,144.76 | $1,631.04 | $928.73 | $135.92 | 41.346% | 41.346% | 41.346% | 02/11/2026 | 809 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements
Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $7,972.00 | 5.990% | $0.00 | 1.0 | None | N/A | No | 6.125% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 3.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 12.86 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118784 | XXXXX | Non QM | Yes | No | $1,905.00 | $8,570.15 | 6.527% | $7,079.16 | $7,079.16 | 6.500% | No | No | Employed | Employed | US Citizen | US Citizen | $60,397.81 | 1 | $11,254.80 | $3,837.72 | $937.90 | $319.81 | 27.514% | 27.514% | 27.514% | 02/02/2026 | 732 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,905.00 | 6.100% | $0.00 | 2.7 | None | No | No | 6.500% | 2 | 2 | 1 | 0 | 3 | 2 | 0.00 | No | XXXXX | XXXXX | 54.430% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 51.61 | No | No | $0.00 | $17,995.58 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117644 | XXXXX | Non QM | Yes | No | $6,183.06 | $5,011.80 | 7.053% | $3,459.57 | $3,459.57 | 7.000% | No | No | Employed | US Citizen | $6,614.41 | 1 | $5,787.24 | $1,401.00 | $482.27 | $116.75 | 39.869% | 39.869% | 39.869% | 01/09/2026 | 727 | No | No | [Borrower - |
Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $6,183.06 | 6.130% | $0.00 | 1.0 | None | Yes | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | No | 25 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 2.4 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119033 | XXXXX | N/A | No | No | $4,618.35 | $4,618.35 | 7.625% | No | No | US Citizen | 1 | $10,875.00 | $3,327.84 | $906.25 | $277.32 | 0.000% | 0.000% | 0.000% | 02/10/2026 | 772 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.2 | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.52 | 1.93 | XXXXX | XXXXX | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 243.18 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118734 | XXXXX | Non QM | Yes | No | $2,976.00 | $14,111.42 | 6.957% | $7,538.26 | $7,538.26 | 6.875% | No | No | Self-Employed | US Citizen | $48,558.79 | 1 | $19,125.00 | $5,588.04 | $1,593.75 | $465.67 | 39.951% | 39.951% | 39.951% | 01/29/2026 | 769 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2026 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $2,976.00 | 5.990% | $12,000.00 | None | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | XXXXX | 1.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 6.96 | No | No | $0.00 | $0.00 | No | No | No | No | 6 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119004 | XXXXX | N/A | No | No | $1,743.57 | $1,743.57 | 6.625% | No | No | US Citizen | 1 | $3,968.52 | $2,310.96 | $330.71 | $192.58 | 0.000% | 0.000% | 0.000% | 01/28/2026 | 791 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.1 | 0.91 | XXXXX | XXXXX | 1.790% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 11.1 | Yes | 15.000% | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000114445 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $6,971.88 | $9,169.93 | 8.894% | $1,396.63 | $1,396.63 | 8.375% | No | No | Self-Employed | US Citizen | $6,526.42 | 2 | $901.44 | $1,140.96 | $75.12 | $95.08 | 30.491% | 30.491% | 30.491% | 02/02/2026 | 700 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | Yes | XXXXX | $6,971.88 | 6.850% | $0.00 | None | No | No | 8.375% | 0 | 0 | 0 | 3 | 0 | 12.00 | No | XXXXX | XXXXX | 35.950% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 42.88 | Yes | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118668 | XXXXX | N/A | No | No | $3,530.26 | $3,530.26 | 7.250% | No | No | US Citizen | 1 | $13,441.68 | $2,977.68 | $1,120.14 | $248.14 | 0.000% | 0.000% | 0.000% | 02/02/2026 | 729 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.92 | 1.09 | XXXXX | XXXXX | 33.070% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 16.28 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119034 | XXXXX | N/A | No | No | $6,954.07 | $6,954.07 | 7.625% | No | No | US Citizen | 1 | $14,439.00 | $2,633.52 | $1,203.25 | $219.46 | 0.000% | 0.000% | 0.000% | 01/20/2026 | 748 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.7 | No | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | XXXXX | XXXXX | 32.590% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 7.5 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118773 | XXXXX | N/A | No | No | $909.24 | $909.24 | 6.625% | No | No | US Citizen | 1 | $3,037.56 | $1,545.96 | $253.13 | $128.83 | 0.000% | 0.000% | 0.000% | 01/07/2026 | 762 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.1 | No | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.61 | 0.62 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 9.32 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118329 | XXXXX | N/A | No | No | $4,327.73 | $4,327.73 | 7.250% | No | No | 0 | US Citizen | US Citizen | US Citizen | 1 | $12,200.04 | $2,034.96 | $1,016.67 | $169.58 | 0.000% | 0.000% | 0.000% | 12/17/2025 | 775 | 811 | 815 | 779 | Level 3-Stated/Partially Verified | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.78 | 1.28 | XXXXX | XXXXX | 85.620% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 88.16 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118757 | XXXXX | N/A | No | No | $1,013.28 | $1,013.28 | 7.875% | No | No | US Citizen | 1 | $5,016.96 | $1,598.04 | $418.08 | $133.17 | 0.000% | 0.000% | 0.000% | 02/17/2026 | 680 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | XXXXX | No | Yes | Short Form | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 86.22 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118905 | XXXXX | N/A | No | No | $648.68 | $648.68 | 8.625% | No | No | US Citizen | 1 | $2,145.24 | $4,029.84 | $178.77 | $335.82 | 0.000% | 0.000% | 0.000% | 01/06/2026 | 661 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 8.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.03 | 0.97 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 59.29 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116076 | XXXXX | N/A | No | No | $4,007.81 | $4,007.81 | 7.125% | No | No | US Citizen | 1 | $9,530.28 | $672.96 | $794.19 | $56.08 | 0.000% | 0.000% | 0.000% | 01/30/2026 | 788 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.2 | 0.83 | 360 | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 71.75 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118246 | XXXXX | N/A | No | No | $3,325.61 | $3,325.61 | 7.250% | No | No | US Citizen | US Citizen | 1 | $8,149.92 | $2,408.04 | $679.16 | $200.67 | 0.000% | 0.000% | 0.000% | 02/18/2026 | 726 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.81 | 1.24 | XXXXX | XXXXX | 36.660% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Trustee | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 12.55 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119705 | XXXXX | N/A | No | No | $26,303.72 | $19,583.25 | 7.414% | $2,343.21 | $2,343.21 | 6.999% | No | No | Self-Employed | US Citizen | $60,621.22 | 1 | $4,437.48 | $315.00 | $369.79 | $26.25 | 30.528% | 31.295% | 31.411% | 12/02/2025 | 755 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $26,303.72 | 6.190% | $0.00 | 4.5 | None | Yes | No | 6.999% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | 240 | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 52.36 | No | No | $0.00 | $0.00 | No | No | No | No | 5 | 240 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117949 | XXXXX | N/A | No | No | $1,895.00 | $523.88 | 8.190% | $5,739.68 | $5,739.68 | 8.250% | No | No | Self-Employed | US Citizen | $113,556.43 | 1 | $10,711.32 | $1,740.00 | $892.61 | $145.00 | 17.280% | 17.280% | 17.280% | 02/11/2026 | 746 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 24]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $1,895.00 | 6.100% | $0.00 | 1.0 | None | Yes | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 24 | 0.00 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 44.49 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117016 | XXXXX | Non QM | Yes | No | $2,565.00 | $6,764.36 | 6.392% | $2,155.01 | $2,155.01 | 6.250% | No | No | Employed | Permanent Resident Alien | $12,184.94 | 1 | $10,762.56 | $1,862.04 | $896.88 | $155.17 | 23.844% | 23.844% | 23.844% | 02/09/2026 | 780 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $2,565.00 | 6.130% | $0.00 | 1.0 | None | N/A | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 65.310% | No | 25 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 12.06 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000409 | XXXXX | Non QM | Yes | No | $1,950.00 | $6,790.64 | 6.531% | $1,231.43 | $1,231.43 | 6.250% | No | No | Non-Employment Income | US Citizen | $3,395.55 | 3 | $10,749.96 | $3,783.00 | $895.83 | $315.25 | 42.575% | 42.575% | 42.575% | 02/23/2026 | 666 | Yes | No | [Borrower - |
Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Social Security]; Account Statements - 2026 [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | No | XXXXX | $1,950.00 | 5.980% | $0.00 | None | No | No | 6.250% | 0 | 1 | 0 | 1 | 1 | 0.00 | No | Other | XXXXX | XXXXX | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 152.51 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120827 | XXXXX | Non QM | Yes | No | $6,595.00 | $8,819.00 | 6.917% | $3,242.99 | $3,242.99 | 6.750% | No | No | Self-Employed | Non-Permanent Resident Alien | XXX | $10,746.67 | 1 | $15,134.16 | $1,776.96 | $1,261.18 | $148.08 | 38.329% | 38.329% | 38.329% | 12/05/2025 | 743 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 [Borrower - | Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2025 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | Yes | XXXXX | $6,595.00 | 6.130% | $0.00 | None | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | XXXXX | 47.090% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | VISA | 4.01 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120799 | XXXXX | Non QM | Yes | No | $2,970.00 | $4,993.04 | 7.334% | $3,751.97 | $3,751.97 | 7.250% | No | No | Employed | US Citizen | $5,001.16 | 1 | $6,412.44 | $870.00 | $534.37 | $72.50 | 47.905% | 47.905% | 47.905% | 02/17/2026 | 768 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | Yes | XXXXX | $2,970.00 | 6.100% | $0.00 | None | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 41.700% | No | 36 | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 10.31 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120797 | XXXXX | Non QM | Yes | No | $8,420.00 | $10,899.48 | 6.270% | $4,146.94 | $4,146.94 | 6.125% | No | No | Employed | US Citizen | $5,738.34 | 1 | $8,917.68 | $1,398.96 | $743.14 | $116.58 | 46.867% | 46.867% | 46.867% | 01/26/2026 | 774 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | Yes | XXXXX | $8,420.00 | 6.130% | $0.00 | None | N/A | No | 6.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 37.380% | No | 25 | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 6.86 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117726 | XXXXX | Non QM | Yes | No | $0.00 | $650.00 | 6.708% | $6,258.97 | $6,258.97 | 6.750% | No | No | Employed | US Citizen | $17,306.67 | 1 | $6,885.12 | $2,886.00 | $573.76 | $240.50 | 43.305% | 43.305% | 43.305% | 01/29/2026 | 814 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.100% | $0.00 | 4.3 | None | No | No | 6.750% | 2 | 0 | 0 | 2 | 2 | 0.00 | No | XXXXX | XXXXX | 27.160% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 10.58 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120820 | XXXXX | Non QM | Yes | No | $6,515.00 | $10,772.50 | 7.721% | $3,191.10 | $3,664.30 | 8.158% | No | No | Employed | Permanent Resident Alien | $5,673.95 | 1 | $4,943.04 | $1,641.96 | $411.92 | $136.83 | 47.463% | 48.694% | 47.463% | 12/10/2025 | 767 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | Yes | XXXXX | $6,515.00 | 6.150% | $0.00 | None | N/A | No | 8.158% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 26.790% | No | 36 | Yes | Final | Fee Simple | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 2.74 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120804 | XXXXX | Non QM | Yes | No | $7,323.00 | $8,188.64 | 8.208% | $2,027.12 | $2,133.04 | 8.158% | No | No | Employed | US Citizen | $4,420.74 | 1 | $5,222.04 | $1,064.04 | $435.17 | $88.67 | 45.423% | 48.646% | 45.423% | 01/16/2026 | 671 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | Yes | XXXXX | $7,323.00 | 6.160% | $0.00 | None | N/A | No | 8.158% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 30.070% | No | 9 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 8.53 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120818 | XXXXX | Non QM | Yes | No | $13,275.00 | $17,890.31 | 7.600% | $3,595.79 | $4,349.49 | 8.158% | No | No | Employed | Employed | Permanent Resident Alien | Permanent Resident Alien | $8,203.30 | 1 | $8,618.52 | $1,188.00 | $718.21 | $99.00 | 39.235% | 38.852% | 39.235% | 02/04/2026 | 809 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2025 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | Yes | XXXXX | $13,275.00 | 6.160% | $0.00 | None | N/A | No | 8.158% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 29.400% | No | 36 | 36 | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | Resident Alien Card | 6.14 | No | $0.00 | $6,000.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000114410 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $16,790.00 | $23,453.92 | 8.004% | $3,935.33 | $3,935.33 | 7.625% | No | No | Not Employed | Self-Employed | US Citizen | US Citizen | $6,417.47 | 1 | $4,576.56 | $1,334.04 | $381.38 | $111.17 | 42.742% | 42.742% | 42.742% | 10/03/2025 | 779 | No | No | [Coborrower(s) - |
Primary Income - P&L Statement Only]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - P&L Statement Only]; Other - 2025 [Coborrower(s) - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Coborrower(s) - | Primary Income - P&L Statement Only]; Other - 2024 [Coborrower(s) - | Primary Income - P&L Statement Only]; Other - 2023 |
[Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $16,790.00 | 6.220% | $0.00 | 1.0 | None | Yes | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 15.560% | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 3.99 | Yes | $11,207.92 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118488 | XXXXX | Non QM | Yes | No | $2,565.00 | $7,889.83 | 6.455% | $1,921.04 | $1,921.04 | 6.250% | No | No | Employed | US Citizen | $12,004.13 | 1 | $12,024.96 | $1,833.00 | $1,002.08 | $152.75 | 27.248% | 27.248% | 27.248% | 02/17/2026 | 727 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $2,565.00 | 5.990% | $0.00 | 1.0 | None | N/A | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 77.770% | No | 25 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 24.74 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000114376 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $12,025.00 | $13,094.78 | 7.680% | $3,038.97 | $3,038.97 | 7.375% | No | No | Self-Employed | Non-Permanent Resident Alien | XXX | $8,441.08 | 1 | $2,763.48 | $1,155.96 | $230.29 | $96.33 | 39.539% | 39.539% | 39.539% | 01/13/2026 | 733 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2023 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2023 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $12,025.00 | 6.060% | $0.00 | 1.0 | None | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | XXXXX | 0.900% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Employment Authorization | 15.2 | Yes | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000112116 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $11,720.00 | $14,851.44 | 8.234% | $4,285.19 | $4,285.19 | 8.000% | No | No | Self-Employed | US Citizen | $14,908.37 | 1 | $12,055.80 | $2,123.04 | $1,004.65 | $176.92 | 34.070% | 34.070% | 34.070% | 11/12/2025 | 724 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $11,720.00 | 6.170% | $0.00 | 1.0 | None | No | No | 8.000% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | XXXXX | 28.830% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 6.76 | No | Yes | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000112975 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $20,410.00 | $26,466.97 | 8.422% | $5,910.28 | $5,910.28 | 8.125% | No | No | Employed | Employed | US Citizen | US Citizen | $8,236.89 | 2 | $6,865.08 | $1,860.00 | $572.09 | $155.00 | 45.136% | 45.136% | 45.136% | 10/30/2025 | 744 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2025 [Borrower - | Non-Primary Income - Wages]; VVOE - 2025 [Borrower - | Non-Primary Income - Wages]; WVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 |
[Borrower]; 1084 or income worksheet - Year Not
Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $20,410.00 | 6.270% | $0.00 | None | No | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 28.620% | No | 12 | 9 | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 12.8 | Yes | $0.00 | $2,535.56 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000115260 | XXXXX | Non QM | Yes | No | $26,370.00 | $11,481.44 | 6.889% | $13,033.47 | $13,033.47 | 6.875% | No | No | Employed | Employed | US Citizen | US Citizen | $21,738.35 | 1 | $31,562.52 | $3,398.04 | $2,630.21 | $283.17 | 48.251% | 48.251% | 48.251% | 02/01/2026 | 754 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $26,370.00 | 6.100% | $0.00 | 1.0 | None | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | No | 25 | 25 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 9.11 | No | $0.00 | $13,797.20 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000114372 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $30,300.00 | $33,517.67 | 8.358% | $7,044.14 | $7,044.14 | 8.000% | No | No | Self-Employed | US Citizen | $10,108.82 | 1 | $10,940.52 | $2,532.96 | $911.71 | $211.08 | 46.252% | 46.252% | 46.252% | 10/29/2025 | 757 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $30,300.00 | 6.270% | $312,000.00 | 2.6 | None | No | No | 8.000% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | XXXXX | 6.740% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 8.59 | Yes | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000111651 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $6,302.56 | $9,953.06 | 8.111% | $2,720.46 | $2,720.46 | 7.875% | No | No | Employed | US Citizen | $7,355.25 | 1 | $5,862.48 | $506.76 | $488.54 | $42.23 | 37.426% | 37.426% | 37.426% | 10/17/2025 | 786 | No | No | [Borrower - |
Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $6,302.56 | 6.190% | $0.00 | None | No | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 43.670% | No | 35 | Yes | Shares/Stock/Ownership (Co-op) | Leasehold | Individual | Individual | No | Individual | No | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 25.42 | Yes | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117996 | XXXXX | Non QM | Yes | No | $8,370.00 | $11,064.08 | 7.152% | $1,621.50 | $1,621.50 | 6.750% | No | No | Employed | US Citizen | $5,218.12 | 1 | $4,934.40 | $1,734.96 | $411.20 | $144.58 | 32.708% | 32.708% | 32.708% | 01/13/2026 | 803 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Non-Primary Income - Social Security]; Account Statements - 2026 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | No | XXXXX | $8,370.00 | 6.100% | $0.00 | None | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | No | 12 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 5.34 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000114368 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $33,900.00 | $36,056.00 | 8.010% | $10,316.34 | $10,316.34 | 7.750% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $22,788.52 | 1 | $31,893.72 | $7,503.96 | $2,657.81 | $625.33 | 46.976% | 46.976% | 46.976% | 01/15/2026 | 728 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2019 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $33,900.00 | 6.170% | $0.00 | 1.9 | None | No | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | XXXXX | 81.040% | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 73.18 | Yes | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116878 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $8,409.38 | $7,130.33 | 8.011% | $1,799.99 | $1,799.99 | 7.750% | No | No | Self-Employed | Self-Employed | Permanent Resident Alien | Permanent Resident Alien | $14,178.11 | 1 | $4,641.48 | $665.04 | $386.79 | $55.42 | 20.458% | 20.458% | 20.458% | 10/13/2025 | 731 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2024 [Borrower - | Primary Income - P&L Statement Only]; Other - 2023 [Coborrower(s) - | Primary Income - P&L Statement Only]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - P&L Statement Only]; Other - 2025 [Coborrower(s) - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Coborrower(s) - | Primary Income - P&L Statement Only]; Other - 2024 [Coborrower(s) - | Primary Income - P&L Statement Only]; Other - 2023 |
[Borrower]; 1084 or income worksheet - Year Not
Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $8,409.38 | 6.230% | $12,500.00 | 1.0 | None | Yes | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | XXXXX | 31.980% | No | Yes | Short Form | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | Resident Alien Card | 15.6 | No | Yes | $5,277.58 | $0.00 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116103 | XXXXX | Non QM | Yes | No | $8,743.64 | $12,623.84 | 6.665% | $3,691.28 | $3,691.28 | 6.500% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $29,117.32 | 1 | $12,886.32 | $5,376.60 | $1,073.86 | $448.05 | 20.888% | 20.888% | 20.888% | 02/09/2026 | 807 | Yes | No | [Borrower - |
Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | No | XXXXX | $8,743.64 | 6.130% | $0.00 | 4.6 | None | No | No | 6.500% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 599.66 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120819 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $5,737.50 | $7,664.59 | 7.940% | $2,740.28 | $2,740.28 | 7.750% | No | No | Self-Employed | US Citizen | $16,583.68 | 1 | $1,968.00 | $1,046.04 | $164.00 | $87.17 | 38.780% | 38.780% | 38.780% | 11/19/2025 | 716 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2000 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $5,737.50 | 6.220% | $20,000.00 | 1.1 | None | No | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | XXXXX | 37.080% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 12.95 | Yes | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117701 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $12,060.00 | $14,732.00 | 7.512% | $3,601.89 | $3,601.89 | 7.250% | No | No | Employed | US Citizen | $6,706.11 | 1 | $14,307.12 | $2,030.04 | $1,192.26 | $169.17 | 42.536% | 42.536% | 42.536% | 01/13/2026 | 742 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $12,060.00 | 6.100% | $0.00 | 1.0 | None | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 34.960% | No | 12 | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 11.68 | No | Yes | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000114453 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $3,270.00 | $4,396.21 | 8.397% | $1,213.98 | $1,213.98 | 8.125% | No | No | Employed | US Citizen | $2,711.14 | 1 | $4,509.96 | $1,684.92 | $375.83 | $140.41 | 47.821% | 47.821% | 47.821% | 04/09/2025 | 813 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $3,270.00 | 6.880% | $6,540.00 | 1.1 | None | Yes | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 32.570% | No | 12 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 8.55 | Yes | Yes | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117214 | XXXXX | N/A | No | No | $864.89 | $864.89 | 7.000% | No | No | US Citizen | 1 | $1,992.00 | $1,334.64 | $166.00 | $111.22 | 0.000% | 0.000% | 0.000% | 12/17/2025 | 684 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.0 | No | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.02 | 0.98 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 8.24 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118070 | XXXXX | Non QM | Yes | No | $1,468.00 | $12,856.00 | 6.792% | $9,080.37 | $9,080.37 | 6.750% | No | No | Self-Employed | Employed | Permanent Resident Alien | Permanent Resident Alien | $22,616.75 | 1 | $21,875.04 | $1,496.16 | $1,822.92 | $124.68 | 43.263% | 43.263% | 43.263% | 02/13/2026 | 770 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 1084 or income worksheet - Year Not
Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $1,468.00 | 6.100% | $0.00 | 1.9 | None | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | XXXXX | 32.100% | No | 20 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | Resident Alien Card | 17.07 | No | No | $0.00 | $5,908.32 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118865 | XXXXX | Exempt from ATR | N/A | Yes | No | No | $10,999.00 | $6,608.97 | 8.043% | $1,169.28 | $1,169.28 | 7.625% | No | No | Employed | Not Employed | US Citizen | US Citizen | $10,918.12 | 1 | $1,364.16 | $1,034.04 | $113.68 | $86.17 | 21.842% | 21.842% | 21.842% | 12/16/2025 | 781 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Non-Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Non-Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Non-Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Non-Primary Income - P&L Statement Only]; P&L Statement - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $10,999.00 | 5.990% | $0.00 | 1.0 | None | Yes | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | No | 0 | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 69.58 | No | Yes | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116181 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $9,371.60 | $14,618.75 | 9.325% | $5,109.62 | $5,109.62 | 9.125% | No | No | Employed | US Citizen | $10,076.43 | 2 | $17,535.36 | $1,178.04 | $1,461.28 | $98.17 | 42.612% | 42.612% | 42.612% | 01/30/2026 | 684 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $9,371.60 | 6.060% | $0.00 | None | No | No | 9.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 27.580% | No | 12 | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 16.14 | Yes | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116818 | XXXXX | Non QM | Yes | No | $5,568.00 | $8,132.58 | 6.597% | $1,262.22 | $1,262.22 | 6.250% | No | No | Employed | US Citizen | $6,081.37 | 1 | $5,382.12 | $1,695.12 | $448.51 | $141.26 | 32.634% | 32.634% | 32.634% | 02/10/2026 | 755 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $5,568.00 | 6.130% | $5,000.00 | 1.0 | None | Yes | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 73.570% | No | 25 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 44.12 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116508 | XXXXX | Non QM | Yes | No | $1,520.00 | $4,573.92 | 6.552% | $3,033.42 | $3,033.42 | 6.500% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $5,442.79 | 1 | $5,090.52 | $1,368.00 | $424.21 | $114.00 | 0.000% | 0.000% | 0.000% | 01/29/2026 | 812 | Yes | No | [Borrower - |
Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2021 [Coborrower]; 4506-C - 2020 [Coborrower]; 4506-C - 2019 |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | No | XXXXX | $1,520.00 | 6.130% | $0.00 | 2.0 | None | Yes | No | 6.500% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Trustee | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 306.66 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120811 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $16,912.51 | $20,430.80 | 8.775% | $3,904.87 | $3,904.87 | 8.375% | No | Yes | Not Employed | Self-Employed | US Citizen | US Citizen | $129,083.58 | 1 | $6,680.16 | $2,226.00 | $556.68 | $185.50 | 8.886% | 8.886% | 8.886% | 09/24/2025 | 722 | No | No | [Coborrower(s) - |
Primary Income - P&L Statement Only]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - P&L Statement Only]; Other - 2025 [Coborrower(s) - | Primary Income - P&L Statement Only]; Other - 2025 [Coborrower(s) - | Primary Income - P&L Statement Only]; P&L Statement - 2025 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $16,912.51 | 6.160% | $0.00 | 1.2 | None | Yes | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 21.170% | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 158.58 | No | Yes | $141,673.04 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118716 | XXXXX | Non QM | Yes | No | $6,606.00 | $8,325.68 | 7.105% | $2,384.65 | $2,384.65 | 6.875% | No | No | Self-Employed | US Citizen | $8,477.40 | 1 | $6,062.52 | $5,659.92 | $505.21 | $471.66 | 35.014% | 35.014% | 35.014% | 02/06/2026 | 774 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $6,606.00 | 6.130% | $0.00 | None | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | XXXXX | 2.820% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 0.01 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116257 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $30,375.00 | $37,885.63 | 7.729% | $10,094.91 | $10,094.91 | 7.500% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $22,449.34 | 1 | $12,315.00 | $3,257.04 | $1,026.25 | $271.42 | 40.226% | 40.226% | 40.226% | 12/02/2025 | 745 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Non-Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Non-Primary Income - P&L Statement Only]; Third Party Verification - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $30,375.00 | 6.270% | $1,000.00 | 2.8 | None | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | XXXXX | 24.940% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 3.91 | Yes | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116651 | XXXXX | Non QM | Yes | No | $2,440.00 | $8,043.23 | 6.780% | $7,458.88 | $7,458.88 | 6.750% | No | No | Self-Employed | US Citizen | $18,915.69 | 1 | $18,335.04 | $5,801.04 | $1,527.92 | $483.42 | 43.058% | 43.058% | 43.058% | 02/10/2026 | 749 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $2,440.00 | 6.130% | $0.00 | 1.7 | None | N/A | No | 6.750% | 0 | 0 | 0 | 3 | 0 | 12.00 | No | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 9.7 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117779 | XXXXX | N/A | No | No | $1,921.52 | $1,921.52 | 6.875% | No | No | US Citizen | 1 | $5,024.76 | $2,248.92 | $418.73 | $187.41 | 0.000% | 0.000% | 0.000% | 02/03/2026 | 756 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.09 | 0.92 | XXXXX | XXXXX | 10.750% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 6.72 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119603 | XXXXX | N/A | No | No | $6,004.65 | $6,004.65 | 6.500% | No | No | US Citizen | 1 | $8,956.20 | $3,393.96 | $746.35 | $282.83 | 0.000% | 0.000% | 0.000% | 02/25/2026 | 723 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.88 | 1.13 | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | No | 132.41 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119451 | XXXXX | N/A | No | No | $1,378.29 | $1,378.29 | 6.693% | No | No | US Citizen | 1 | $3,322.08 | $1,785.00 | $276.84 | $148.75 | 0.000% | 0.000% | 0.000% | 01/07/2026 | 778 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 6.693% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.26 | 0.79 | XXXXX | XXXXX | 48.330% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 30.13 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118684 | XXXXX | Non QM | Yes | No | $1,570.00 | $5,201.04 | 6.658% | $4,448.98 | $4,448.98 | 6.625% | No | No | Employed | US Citizen | $7,537.86 | 1 | $11,958.84 | $1,522.44 | $996.57 | $126.87 | 43.389% | 43.389% | 43.389% | 02/11/2026 | 785 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $1,570.00 | 5.990% | $0.00 | 1.3 | None | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | No | 25 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 0.76 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118682 | XXXXX | Non QM | Yes | No | $2,365.00 | $4,719.65 | 6.675% | $3,273.27 | $3,273.27 | 6.625% | No | No | Employed | US Citizen | $5,711.47 | 1 | $7,104.60 | $890.52 | $592.05 | $74.21 | 41.720% | 41.720% | 41.720% | 02/13/2026 | 811 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $2,365.00 | 5.990% | $0.00 | 1.0 | None | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | No | 25 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 0 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119077 | XXXXX | Non QM | Yes | No | $3,310.00 | $5,927.31 | 6.701% | $3,201.55 | $3,201.55 | 6.625% | No | No | Employed | US Citizen | $7,358.10 | 1 | $7,929.72 | $1,322.52 | $660.81 | $110.21 | 41.891% | 41.891% | 41.891% | 02/10/2026 | 762 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $3,310.00 | 5.990% | $0.00 | 1.4 | None | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | No | 25 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 123.72 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116663 | XXXXX | Exempt from ATR | N/A | Yes | No | No | $24,600.00 | $13,752.67 | 7.785% | $3,076.54 | $3,076.54 | 7.500% | No | No | Not Employed | Self-Employed | Permanent Resident Alien | $13,640.49 | 1 | $9,093.96 | $1,505.04 | $757.83 | $125.42 | 33.083% | 33.083% | 33.083% | 12/17/2025 | 761 | No | No | [Coborrower(s) - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; Other - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; Other - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; Other - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; Other - 2024 [Coborrower(s) - | Primary Income - P&L Statement Only]; Other - 2023 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $24,600.00 | 6.130% | $0.00 | 1.0 | None | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 31.200% | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 6.35 | No | Yes | $20,384.17 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000113575 | XXXXX | N/A | No | No | $8,273.02 | $3,890.13 | 7.557% | $2,212.17 | $2,212.17 | 7.480% | No | No | Self-Employed | US Citizen | $58,175.30 | 1 | $10,802.76 | $1,251.00 | $900.23 | $104.25 | 12.270% | 12.270% | 12.270% | 12/30/2025 | 755 | No | Yes | 12 | Business | 100.000% | 45.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 45.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 45.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 45.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $8,273.02 | 6.140% | $0.00 | 2.4 | None | Yes | No | 7.480% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 47.91 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118685 | XXXXX | N/A | No | No | $6,113.93 | $6,113.93 | 6.375% | No | No | Permanent Resident Alien | 1 | $17,499.96 | $2,740.44 | $1,458.33 | $228.37 | 0.000% | 0.000% | 0.000% | 02/11/2026 | 741 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | Yes | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.71 | 1.42 | XXXXX | XXXXX | 36.510% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 35.64 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116343 | XXXXX | Non QM | Yes | No | $2,927.45 | $5,596.38 | 6.961% | $2,690.78 | $2,690.78 | 6.875% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $5,897.41 | 1 | $5,812.44 | $2,139.00 | $484.37 | $178.25 | 44.222% | 44.222% | 44.222% | 02/11/2026 | 774 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $2,927.45 | 6.130% | $0.00 | 1.0 | None | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 23.510% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 8.09 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118095 | XXXXX | N/A | No | No | $513.69 | $513.69 | 6.750% | No | No | US Citizen | 1 | $2,137.92 | $1,536.96 | $178.16 | $128.08 | 0.000% | 0.000% | 0.000% | 01/22/2026 | 811 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.1 | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.38 | 0.72 | XXXXX | XXXXX | 100.000% | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 129.44 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118894 | XXXXX | Non QM | Yes | No | $2,565.00 | $5,580.70 | 6.415% | $4,326.44 | $4,326.44 | 6.375% | No | No | Self-Employed | US Citizen | $12,202.16 | 1 | $12,021.72 | $1,681.32 | $1,001.81 | $140.11 | 33.754% | 33.754% | 33.754% | 02/17/2026 | 814 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2024 |
Alternative Documentation (A) | 2yr P&L w/o Bank Statements | 0 | 0 | 0 | No | XXXXX | $2,565.00 | 5.990% | $0.00 | 2.3 | None | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 24.00 | No | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 0.08 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119440 | XXXXX | N/A | No | No | $1,981.82 | $1,981.82 | 7.625% | No | No | US Citizen | 1 | $6,297.60 | $1,044.00 | $524.80 | $87.00 | 0.000% | 0.000% | 0.000% | 02/20/2026 | 774 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.96 | 1.04 | XXXXX | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 108.9 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118407 | XXXXX | N/A | No | No | $1,778.62 | $1,778.62 | 7.125% | No | No | US Citizen | 1 | $5,887.68 | $1,419.00 | $490.64 | $118.25 | 0.000% | 0.000% | 0.000% | 03/05/2026 | 799 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | XXXXX | XXXXX | 15.170% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 7.11 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118426 | XXXXX | Non QM | Yes | No | $11,111.00 | $16,300.87 | 6.618% | $3,493.67 | $3,493.67 | 6.375% | No | No | Self-Employed | US Citizen | $8,502.54 | 1 | $8,750.04 | $992.04 | $729.17 | $82.67 | 38.822% | 38.822% | 38.822% | 01/23/2026 | 772 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $11,111.00 | 5.990% | $500.00 | 1.1 | None | Yes | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | XXXXX | 27.460% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 6.56 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116254 | XXXXX | N/A | No | No | $3,087.50 | $3,087.50 | 7.125% | No | No | US Citizen | 1 | $8,874.96 | $1,125.00 | $739.58 | $93.75 | 0.000% | 0.000% | 0.000% | 02/06/2026 | 711 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.05 | 0.96 | 240 | XXXXX | XXXXX | 36.120% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 13.13 | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119455 | XXXXX | Non QM | Yes | No | $1,468.00 | $5,032.19 | 6.521% | $5,138.35 | $5,138.35 | 6.500% | No | No | Self-Employed | Permanent Resident Alien | $13,730.80 | 1 | $19,511.16 | $1,491.00 | $1,625.93 | $124.25 | 45.136% | 45.136% | 45.136% | 01/22/2026 | 733 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $1,468.00 | 5.980% | $0.00 | 1.0 | None | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 47.810% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 14.52 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118307 | XXXXX | Exempt from ATR | N/A | Yes | No | No | $49,260.00 | $27,512.63 | 8.734% | $6,050.18 | $6,050.18 | 8.375% | No | No | Self-Employed | US Citizen | $5,516.08 | 2 | $6,750.84 | $2,738.04 | $562.57 | $228.17 | 41.306% | 41.306% | 41.306% | 01/21/2026 | 724 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $49,260.00 | 6.170% | $0.00 | None | No | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | XXXXX | 39.010% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | 18.58 | Yes | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116403 | XXXXX | Non QM | Yes | No | $11,195.00 | $18,160.37 | 7.074% | $4,913.83 | $4,913.83 | 6.875% | No | No | Self-Employed | US Citizen | $8,534.96 | 1 | $11,000.04 | $758.04 | $916.67 | $63.17 | 45.368% | 45.368% | 45.368% | 02/09/2026 | 812 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 24]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $11,195.00 | 5.980% | $1,500.00 | 1.0 | None | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 24 | 0.00 | No | XXXXX | XXXXX | 25.170% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 10.79 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120492 | XXXXX | Non QM | Yes | No | $21,671.28 | $24,808.35 | 7.993% | $3,412.17 | $3,412.17 | 7.500% | No | No | Self-Employed | US Citizen | $9,314.15 | 1 | $5,127.12 | $3,173.04 | $427.26 | $264.42 | 30.595% | 30.595% | 30.595% | 02/04/2026 | 744 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $21,671.28 | 5.990% | $0.00 | 1.8 | None | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 68.3 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117972 | XXXXX | N/A | No | No | $1,523.94 | $1,523.94 | 6.625% | No | No | Permanent Resident Alien | 1 | $2,292.00 | $978.00 | $191.00 | $81.50 | 0.000% | 0.000% | 0.000% | 05/01/2001 | 792 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | XXXXX | XXXXX | 4.940% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 7.23 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118607 | XXXXX | N/A | No | No | $1,995.71 | $1,995.71 | 6.999% | No | No | US Citizen | 1 | $11,535.48 | $4,006.80 | $961.29 | $333.90 | 0.000% | 0.000% | 0.000% | 02/12/2026 | 818 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.999% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.97 | 1.03 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 85.37 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118756 | XXXXX | N/A | No | No | $1,995.37 | $1,995.37 | 7.250% | No | No | US Citizen | 1 | $5,557.32 | $5,279.04 | $463.11 | $439.92 | 0.000% | 0.000% | 0.000% | 02/10/2026 | 769 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.6 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 93.89 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119179 | XXXXX | N/A | No | No | $1,372.51 | $1,372.51 | 6.375% | No | No | US Citizen | 2 | $6,500.04 | $3,775.32 | $541.67 | $314.61 | 0.000% | 0.000% | 0.000% | 02/16/2026 | 757 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.32 | 0.76 | XXXXX | XXXXX | 78.920% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 40.16 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121487 | XXXXX | N/A | No | No | $1,640.95 | $1,640.95 | 6.750% | No | No | US Citizen | 1 | $7,117.44 | $1,425.84 | $593.12 | $118.82 | 0.000% | 0.000% | 0.000% | 02/02/2026 | 768 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.13 | 0.89 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 45.5 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119007 | XXXXX | Non QM | Yes | No | $14,550.00 | $21,750.00 | 6.598% | $9,860.26 | $9,860.26 | 6.500% | No | No | Self-Employed | US Citizen | $14,323.81 | 1 | $24,375.00 | $4,030.92 | $2,031.25 | $335.91 | 47.688% | 47.688% | 47.688% | 01/22/2026 | 755 | No | Yes | 12 | Business | 90.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements
Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2026 [Borrower - | Non-Primary Income - Wages]; VVOE - 2026 [Borrower - | Non-Primary Income - Wages]; W-2 - 2025 [Borrower - | Non-Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $14,550.00 | 5.990% | $0.00 | 1.0 | None | Yes | No | 6.500% | 2 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 5.37 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118727 | XXXXX | N/A | No | No | $3,693.58 | $3,693.58 | 6.875% | No | No | US Citizen | 1 | $7,854.12 | $1,413.96 | $654.51 | $117.83 | 0.000% | 0.000% | 0.000% | 01/16/2026 | 727 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.75 | 1.33 | XXXXX | XXXXX | 1.930% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 25.89 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116260 | XXXXX | N/A | No | No | $5,173.31 | $5,173.31 | 6.875% | No | No | US Citizen | 3 | $13,125.00 | $3,939.96 | $1,093.75 | $328.33 | 0.000% | 0.000% | 0.000% | 01/26/2026 | 761 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.9 | 1.12 | XXXXX | XXXXX | 100.000% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 382.24 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000114643 | XXXXX | Non QM | Yes | No | $8,992.50 | $12,133.90 | 6.387% | $4,076.05 | $4,076.05 | 6.250% | No | No | Not Employed | Self-Employed | US Citizen | US Citizen | $10,049.58 | 1 | $10,797.36 | $1,704.12 | $899.78 | $142.01 | 33.742% | 33.742% | 33.742% | 02/25/2026 | 753 | No | No | [Coborrower(s) - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; Other - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; P&L Statement - 2026 |
[Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $8,992.50 | 5.980% | $0.00 | 1.0 | None | N/A | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 51.57 | No | $15,167.42 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117446 | XXXXX | N/A | No | No | $1,620.76 | $1,620.76 | 6.625% | No | No | US Citizen | 1 | $4,275.00 | $1,461.00 | $356.25 | $121.75 | 0.000% | 0.000% | 0.000% | 01/13/2026 | 773 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.5 | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | XXXXX | XXXXX | 92.800% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 103.68 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116193 | XXXXX | N/A | No | No | $0.00 | $3,855.49 | 6.808% | $2,537.32 | $2,537.32 | 6.750% | No | No | Employed | Employed | US Citizen | US Citizen | $37,156.67 | 1 | $6,689.16 | $3,237.96 | $557.43 | $269.83 | 18.498% | 18.498% | 18.498% | 02/18/2026 | 793 | No | No | [Borrower - |
Primary Income - Wages]; Employer Letter - 2026 [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.130% | $500.00 | 1.1 | None | Yes | No | 6.750% | 0 | 2 | 2 | 0 | 3 | 2 | 0.00 | No | XXXXX | XXXXX | 51.220% | No | 26 | 25 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 42.37 | No | No | $0.00 | $10,067.72 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119118 | XXXXX | Non QM | Yes | No | $2,565.00 | $4,877.50 | 6.312% | $2,992.39 | $2,992.39 | 6.250% | No | No | Self-Employed | US Citizen | $6,904.18 | 1 | $7,839.96 | $1,524.00 | $653.33 | $127.00 | 46.859% | 46.859% | 46.859% | 01/15/2026 | 814 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 |
Alternative Documentation (A) | 2yr P&L w/o Bank Statements | 0 | 0 | 0 | No | XXXXX | $2,565.00 | 5.990% | $0.00 | None | Yes | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 25.00 | No | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 5.59 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119068 | XXXXX | Non QM | Yes | No | $2,370.00 | $9,464.83 | 6.118% | $3,585.31 | $3,585.31 | 6.000% | No | No | Self-Employed | US Citizen | $11,857.34 | 1 | $17,475.00 | $2,220.96 | $1,456.25 | $185.08 | 41.005% | 41.005% | 41.005% | 02/12/2026 | 814 | No | Yes | 12 | Business | 100.000% | 35.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 35.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 35.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 35.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 35.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $2,370.00 | 5.990% | $0.00 | None | N/A | No | 6.000% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 69.910% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 33.14 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118434 | XXXXX | N/A | No | No | $22,191.00 | $13,898.75 | 7.041% | $2,724.11 | $2,724.11 | 6.750% | No | No | Self-Employed | US Citizen | $29,771.55 | 1 | $9,093.96 | $2,045.04 | $757.83 | $170.42 | 39.968% | 39.968% | 39.968% | 01/22/2026 | 785 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $22,191.00 | 6.100% | $0.00 | 2.1 | None | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 107.4 | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119089 | XXXXX | Non QM | Yes | No | $4,065.00 | $10,284.93 | 6.263% | $3,524.14 | $3,524.14 | 6.125% | No | No | Employed | US Citizen | $8,473.03 | 1 | $23,499.96 | $2,802.00 | $1,958.33 | $233.50 | 41.565% | 41.565% | 41.565% | 02/25/2026 | 736 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $4,065.00 | 5.990% | $800.00 | 1.0 | None | N/A | No | 6.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 74.090% | No | 26 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 12.46 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120494 | XXXXX | Non QM | Yes | No | $48,003.05 | $22,839.69 | 7.020% | $8,154.13 | $8,154.13 | 6.875% | No | No | Self-Employed | US Citizen | $20,314.16 | 1 | $14,951.52 | $2,715.96 | $1,245.96 | $226.33 | 32.718% | 32.718% | 32.718% | 01/25/2026 | 788 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $48,003.05 | 5.990% | $0.00 | 1.0 | None | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 61.36 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117012 | XXXXX | Non QM | Yes | No | $2,565.00 | $7,694.65 | 6.351% | $3,294.09 | $3,294.09 | 6.250% | No | No | Self-Employed | US Citizen | $10,221.85 | 1 | $9,062.52 | $1,611.00 | $755.21 | $134.25 | 32.806% | 32.806% | 32.806% | 02/10/2026 | 804 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 2yr P&L w/o Bank Statements | 0 | 0 | 0 | No | XXXXX | $2,565.00 | 6.130% | $0.00 | 1.0 | None | N/A | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 26.00 | No | XXXXX | XXXXX | 3.190% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 1.6 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119673 | XXXXX | N/A | No | No | $2,268.68 | $2,268.68 | 7.000% | No | No | US Citizen | 1 | $15,347.88 | $2,870.04 | $1,278.99 | $239.17 | 0.000% | 0.000% | 0.000% | 02/04/2026 | 752 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | Yes | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.71 | 1.4 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 82.85 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118951 | XXXXX | N/A | No | No | $11,767.54 | $11,767.54 | 7.250% | No | No | 0 | US Citizen | US Citizen | 1 | $22,026.48 | $9,517.56 | $1,835.54 | $793.13 | 0.000% | 0.000% | 0.000% | 01/14/2026 | 738 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 5.0 | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.31 | 0.76 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 30.31 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118920 | XXXXX | N/A | No | No | $1,509.13 | $1,509.13 | 7.125% | No | No | US Citizen | US Citizen | 1 | $6,981.84 | $951.00 | $581.82 | $79.25 | 0.000% | 0.000% | 0.000% | 02/13/2026 | 801 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.3 | 0.77 | XXXXX | XXXXX | 34.730% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 14.11 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119035 | XXXXX | N/A | No | No | $5,900.25 | $5,900.25 | 7.875% | No | No | US Citizen | 1 | $13,562.52 | $3,669.00 | $1,130.21 | $305.75 | 0.000% | 0.000% | 0.000% | 03/03/2026 | 799 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.55 | 1.83 | XXXXX | XXXXX | 36.770% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 14.51 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118091 | XXXXX | Non QM | Yes | No | $17,570.00 | $18,217.46 | 6.632% | $6,482.74 | $6,482.74 | 6.500% | No | No | Self-Employed | Permanent Resident Alien | $21,600.09 | 1 | $16,899.96 | $509.04 | $1,408.33 | $42.42 | 34.879% | 34.879% | 34.879% | 02/17/2026 | 755 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 |
Alternative Documentation (A) | 2yr P&L w/o Bank Statements | 0 | 0 | 0 | No | XXXXX | $17,570.00 | 6.100% | $3,000.00 | 1.0 | None | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 24.00 | No | XXXXX | XXXXX | 6.200% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 4.86 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120287 | XXXXX | N/A | No | No | $12,077.87 | $12,077.87 | 6.625% | No | No | US Citizen | $0.00 | $11,618.04 | $968.17 | 0.000% | 0.000% | 0.000% | 01/20/2026 | 755 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.3 | 0.77 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 39 | Yes | 11.625% | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116812 | XXXXX | N/A | No | No | $1,364.35 | $1,364.35 | 7.250% | No | No | US Citizen | 1 | $7,395.36 | $1,062.00 | $616.28 | $88.50 | 0.000% | 0.000% | 0.000% | 02/12/2026 | 723 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.2 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.35 | 0.74 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 94.6 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000113989 | XXXXX | Non QM | Yes | No | $3,245.00 | $0.00 | 6.372% | $1,871.61 | $1,871.61 | 6.375% | No | No | Non-Employment Income | US Citizen | $14,623.62 | 1 | $14,625.00 | $975.24 | $1,218.75 | $81.27 | 34.780% | 34.780% | 34.780% | 01/15/2026 | 812 | Yes | No | [Borrower - |
Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | No | XXXXX | $3,245.00 | 6.140% | $10,000.00 | 1.2 | None | Yes | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | Other | XXXXX | XXXXX | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 582.12 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000114517 | XXXXX | Non QM | Yes | No | $2,590.00 | $5,846.36 | 6.546% | $4,150.16 | $4,150.16 | 6.500% | No | No | Employed | Not Employed | US Citizen | Permanent Resident Alien | $11,143.17 | 1 | $24,315.00 | $1,901.04 | $2,026.25 | $158.42 | 38.094% | 38.094% | 38.094% | 01/21/2026 | 742 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $2,590.00 | 5.990% | $0.00 | 1.2 | None | No | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | No | 24 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | No | 0.66 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118094 | XXXXX | Non QM | Yes | No | $21,300.00 | $14,186.42 | 6.663% | $12,249.15 | $12,249.15 | 6.625% | No | No | Self-Employed | US Citizen | $23,213.63 | 1 | $30,637.68 | $1,864.44 | $2,553.14 | $155.37 | 44.346% | 44.346% | 44.346% | 01/23/2026 | 763 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 |
Alternative Documentation (A) | 2yr P&L w/o Bank Statements | 0 | 0 | 0 | No | XXXXX | $21,300.00 | 6.100% | $0.00 | 1.0 | None | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 25.00 | No | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 4.98 | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117028 | XXXXX | Non QM | Yes | No | $3,600.00 | $2,635.00 | 6.543% | $2,275.44 | $2,275.44 | 6.500% | No | No | Self-Employed | Permanent Resident Alien | $7,711.59 | 1 | $13,503.96 | $563.64 | $1,125.33 | $46.97 | 41.531% | 41.531% | 41.531% | 02/11/2026 | 782 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; Business License - 2026 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 |
Alternative Documentation (A) | 2yr P&L w/o Bank Statements | 0 | 0 | 0 | No | XXXXX | $3,600.00 | 6.130% | $0.00 | None | Yes | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 24.00 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | No | 2.07 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000115917 | XXXXX | N/A | No | No | $1,021.99 | $1,021.99 | 7.250% | No | No | US Citizen | US Citizen | 3 | $4,431.96 | $2,720.04 | $369.33 | $226.67 | 0.000% | 0.000% | 0.000% | 12/23/2025 | 725 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.27 | 0.44 | XXXXX | XXXXX | 51.160% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 25.55 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117963 | XXXXX | Non QM | Yes | No | $2,019.00 | $5,442.28 | 6.382% | $9,514.02 | $9,514.02 | 6.375% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $19,767.03 | 1 | $27,812.52 | $4,633.68 | $2,317.71 | $386.14 | 45.880% | 45.880% | 45.880% | 02/16/2026 | 717 | No | No | Third Party Prepared (Unaudited) | [Borrower - |
Primary Income - S-Corp (>= 25%)]; CPA Letter - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Other - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - No Results Returned - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | Yes | XXXXX | $2,019.00 | 6.100% | $23,375.00 | 2.3 | None | No | No | 6.375% | 3 | 0 | 2 | 0 | 3 | 2 | 12.00 | No | XXXXX | XXXXX | 33.590% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 76.81 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118328 | XXXXX | N/A | No | No | $1,243.49 | $1,243.49 | 7.875% | No | No | US Citizen | 1 | $7,884.60 | $1,059.96 | $657.05 | $88.33 | 0.000% | 0.000% | 0.000% | 02/16/2026 | 796 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 3.5 | No | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.88 | 1.14 | XXXXX | No | Yes | Short Form | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 77.32 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000114869 | XXXXX | Non QM | Yes | No | $1,960.00 | $2,750.00 | 6.673% | $1,997.77 | $1,997.77 | 6.625% | No | No | Employed | US Citizen | $25,347.94 | 1 | $5,398.92 | $2,915.04 | $449.91 | $242.92 | 15.507% | 15.507% | 15.507% | 01/30/2026 | 799 | No | No | [Borrower - |
Primary Income - Wages]; Employer Letter - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $1,960.00 | 6.100% | $0.00 | 1.2 | None | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | No | 36 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 0 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119926 | XXXXX | Non QM | Yes | No | $3,385.25 | $5,854.04 | 6.580% | $3,318.36 | $3,318.36 | 6.500% | No | No | Employed | US Citizen | $25,133.09 | 1 | $4,023.00 | $1,371.96 | $335.25 | $114.33 | 29.199% | 29.199% | 29.199% | 02/17/2026 | 768 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $3,385.25 | 5.980% | $10,000.00 | 1.0 | None | Yes | No | 6.500% | 3 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 29.100% | No | 13 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 12.65 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000115506 | XXXXX | N/A | No | No | $519.63 | $519.63 | 6.875% | No | No | US Citizen | 1 | $2,646.12 | $531.00 | $220.51 | $44.25 | 0.000% | 0.000% | 0.000% | 03/09/2026 | 675 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.66 | 0.6 | XXXXX | No | Yes | Short Form | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 66.84 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120566 | XXXXX | N/A | No | No | $1,993.89 | $1,993.89 | 6.990% | No | No | US Citizen | 1 | $4,665.36 | $1,419.96 | $388.78 | $118.33 | 0.000% | 0.000% | 0.000% | 02/20/2026 | 760 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.52 | 0.66 | XXXXX | No | Yes | Final | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 117.32 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120260 | XXXXX | Non QM | Yes | No | $1,533.00 | $3,570.40 | 6.330% | $1,847.15 | $1,847.15 | 6.250% | No | No | Employed | Not Employed | US Citizen | US Citizen | $6,992.58 | 1 | $4,132.68 | $5,614.92 | $344.39 | $467.91 | 44.063% | 44.063% | 44.063% | 02/20/2026 | 800 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,533.00 | 5.980% | $0.00 | 1.0 | None | Yes | No | 6.250% | 3 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 72.220% | No | 7 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 9.36 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119239 | XXXXX | Non QM | Yes | No | $3,160.00 | $6,940.49 | 6.486% | $2,807.99 | $2,807.99 | 6.375% | No | No | Employed | US Citizen | $6,550.79 | 1 | $12,771.60 | $851.04 | $1,064.30 | $70.92 | 39.345% | 39.345% | 39.345% | 02/18/2026 | 808 | No | No | [Borrower - |
Primary Income - Wages]; Borrower Attestation of Employment - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | Yes | XXXXX | $3,160.00 | 5.990% | $0.00 | 1.0 | None | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 20.420% | No | 26 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 3.7 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120444 | XXXXX | N/A | No | No | $4,270.04 | $4,270.04 | 6.875% | No | No | US Citizen | 1 | $6,243.96 | $2,161.08 | $520.33 | $180.09 | 0.000% | 0.000% | 0.000% | 02/23/2026 | 800 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.65 | 1.53 | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 44.13 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000113657 | XXXXX | N/A | No | No | $1,515.00 | $3,084.92 | 7.820% | $2,166.43 | $2,166.43 | 7.750% | No | No | Not Employed | Employed | US Citizen | $20,701.63 | 1 | $5,378.76 | $1,868.64 | $448.23 | $155.72 | 28.820% | 28.820% | 28.820% | 01/19/2026 | 785 | No | No | [Coborrower(s) - |
Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,515.00 | 6.140% | $1,000.00 | 1.0 | None | Yes | No | 7.750% | 0 | 2 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 51.160% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 60.39 | No | No | $0.00 | $29,083.34 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118104 | XXXXX | N/A | No | No | $8,870.00 | $10,666.28 | 6.974% | $4,943.39 | $4,943.39 | 6.875% | No | No | Self-Employed | US Citizen | $100,053.94 | 1 | $13,437.48 | $1,380.12 | $1,119.79 | $115.01 | 19.085% | 19.085% | 19.085% | 02/10/2026 | 762 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 |
Alternative Documentation (A) | 2yr P&L w/o Bank Statements | 0 | 0 | 0 | No | XXXXX | $8,870.00 | 6.100% | $26,500.00 | 2.4 | None | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 24.00 | No | XXXXX | XXXXX | 1.670% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 34.65 | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117904 | XXXXX | N/A | No | No | $895.46 | $895.46 | 7.875% | No | No | US Citizen | 1 | $5,772.00 | $873.00 | $481.00 | $72.75 | 0.000% | 0.000% | 0.000% | 11/19/2025 | 744 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.1 | 0.91 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 78.11 | Retail | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120220 | XXXXX | N/A | No | No | $1,009.37 | $1,009.37 | 6.875% | No | No | US Citizen | 1 | $1,284.12 | $455.04 | $107.01 | $37.92 | 0.000% | 0.000% | 0.000% | 02/10/2026 | 760 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.03 | 0.97 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 0 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000486 | XXXXX | Non QM | Yes | No | $2,245.00 | $17,119.25 | 6.890% | $17,187.50 | $23,034.41 | 6.875% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $33,210.45 | 1 | $55,312.56 | $4,136.04 | $4,609.38 | $344.67 | 48.150% | 39.021% | 48.150% | 02/18/2026 | 775 | Yes | No | [Borrower - |
Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | No | XXXXX | $2,245.00 | 5.980% | $0.00 | 3.6 | None | No | No | 6.875% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | 240 | XXXXX | XXXXX | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Trustee | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 251.52 | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119235 | XXXXX | N/A | No | No | $2,537.75 | $2,537.75 | 6.500% | No | No | Permanent Resident Alien | 1 | $9,382.44 | $1,263.96 | $781.87 | $105.33 | 0.000% | 0.000% | 0.000% | 02/26/2026 | 713 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.04 | 0.96 | XXXXX | XXXXX | 49.180% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 2.92 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120319 | XXXXX | Non QM | Yes | No | $2,376.00 | $4,625.75 | 6.854% | $2,036.60 | $2,036.60 | 6.750% | No | No | Employed | Permanent Resident Alien | $4,552.36 | 1 | $2,807.40 | $656.04 | $233.95 | $54.67 | 46.091% | 46.091% | 46.091% | 01/15/2026 | 780 | No | No | [Borrower - |
Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $2,376.00 | 5.980% | $0.00 | 1.0 | None | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 27.350% | No | 25 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 11.4 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118813 | XXXXX | N/A | No | No | $2,068.64 | $2,068.64 | 7.750% | No | No | US Citizen | 1 | $5,189.52 | $747.00 | $432.46 | $62.25 | 0.000% | 0.000% | 0.000% | 01/21/2026 | 769 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.4 | No | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.41 | 2.44 | XXXXX | XXXXX | 52.300% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 49.56 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120284 | XXXXX | N/A | No | No | $2,089.96 | $2,089.96 | 6.375% | No | No | US Citizen | 1 | $11,187.48 | $1,989.00 | $932.29 | $165.75 | 0.000% | 0.000% | 0.000% | 01/14/2026 | 808 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.28 | 0.78 | XXXXX | XXXXX | 67.690% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 8.12 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120228 | XXXXX | Non QM | Yes | No | $1,570.00 | $8,249.33 | 7.694% | $9,233.27 | $11,561.06 | 8.672% | No | No | Self-Employed | US Citizen | $27,233.32 | 1 | $23,124.96 | $2,915.16 | $1,927.08 | $242.93 | 42.713% | 41.583% | 42.713% | 02/18/2026 | 744 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 |
Alternative Documentation (A) | 2yr P&L w/o Bank Statements | 0 | 0 | 0 | No | XXXXX | $1,570.00 | 6.150% | $0.00 | 1.0 | None | N/A | No | 8.672% | 0 | 0 | 0 | 0 | 0 | 24.00 | No | XXXXX | XXXXX | 24.080% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 5.01 | Yes | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120400 | XXXXX | Non QM | Yes | No | $5,598.00 | $5,106.07 | 7.013% | $768.37 | $768.37 | 6.625% | No | No | Self-Employed | US Citizen | $1,731.58 | 1 | $2,137.56 | $2,992.92 | $178.13 | $249.41 | 42.596% | 42.596% | 42.596% | 03/03/2026 | 809 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 24.58000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 24.58000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 24.58000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $5,598.00 | 5.980% | $0.00 | 1.0 | None | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 48.830% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 6.07 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120707 | XXXXX | Non QM | Yes | No | $1,670.00 | $2,926.88 | 6.333% | $1,588.55 | $1,588.55 | 6.250% | No | No | Employed | Permanent Resident Alien | $4,615.96 | 1 | $4,671.84 | $1,974.00 | $389.32 | $164.50 | 32.118% | 32.118% | 32.118% | 02/10/2026 | 776 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $1,670.00 | 6.020% | $2,000.00 | 1.0 | None | N/A | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 50.310% | No | 25 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 15.51 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120443 | XXXXX | N/A | No | No | $4,204.34 | $4,204.34 | 6.875% | No | No | US Citizen | 1 | $11,444.04 | $2,470.32 | $953.67 | $205.86 | 0.000% | 0.000% | 0.000% | 02/23/2026 | 800 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.62 | 1.6 | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 42.41 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120792 | XXXXX | Non QM | Yes | No | $2,010.00 | $8,546.11 | 6.848% | $4,099.14 | $4,099.14 | 6.750% | No | No | Self-Employed | US Citizen | $40,806.60 | 1 | $9,875.04 | $2,031.96 | $822.92 | $169.33 | 13.425% | 13.425% | 13.425% | 02/11/2026 | 767 | No | Yes | 24 | Business | 100.000% | 33.330% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 33.33% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 24]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 33.33% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 33.33% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $2,010.00 | 6.020% | $5,000.00 | 1.0 | None | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 24 | 0.00 | No | XXXXX | XXXXX | 1.260% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 13.19 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121155 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $19,657.50 | $26,237.75 | 7.589% | $4,829.81 | $4,829.81 | 7.250% | No | No | Self-Employed | US Citizen | $7,217.83 | 1 | $7,529.76 | $1,860.00 | $627.48 | $155.00 | 44.131% | 44.131% | 44.131% | 02/12/2026 | 807 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $19,657.50 | 5.980% | $0.00 | 1.0 | None | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | XXXXX | 32.620% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 6.13 | Yes | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120490 | XXXXX | N/A | No | No | $6,569.29 | $6,569.29 | 6.875% | No | No | US Citizen | 1 | $14,336.76 | $5,004.00 | $1,194.73 | $417.00 | 0.000% | 0.000% | 0.000% | 02/23/2026 | 800 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.5 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.6 | 1.67 | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 39.17 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119314 | XXXXX | N/A | No | No | $852.72 | $852.72 | 7.250% | No | No | US Citizen | 1 | $1,509.00 | $995.04 | $125.75 | $82.92 | 0.000% | 0.000% | 0.000% | 02/04/2026 | 686 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 4.1 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.27 | 0.79 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 110.29 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120361 | XXXXX | N/A | No | No | $1,569.01 | $1,569.01 | 7.250% | No | No | US Citizen | US Citizen | 1 | $5,965.80 | $1,137.96 | $497.15 | $94.83 | 0.000% | 0.000% | 0.000% | 02/23/2026 | 768 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.6 | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.88 | 1.14 | XXXXX | XXXXX | 40.110% | No | Yes | Short Form | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 9.48 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118619 | XXXXX | N/A | No | No | $1,572.69 | $1,572.69 | 6.875% | No | No | US Citizen | 1 | $6,645.96 | $2,280.84 | $553.83 | $190.07 | 0.000% | 0.000% | 0.000% | 02/05/2026 | 812 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 3.1 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.86 | 1.16 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 99.16 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119841 | XXXXX | N/A | No | No | $985.39 | $985.39 | 6.875% | No | No | US Citizen | 1 | $14,999.64 | $2,810.04 | $1,249.97 | $234.17 | 0.000% | 0.000% | 0.000% | 02/04/2026 | 739 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.6 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.4 | 0.72 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 54.19 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118346 | XXXXX | N/A | No | No | $3,708.93 | $3,708.93 | 7.375% | No | No | 0 | 0 | US Citizen | US Citizen | US Citizen | 3 | $4,709.28 | $3,851.16 | $392.44 | $320.93 | 0.000% | 0.000% | 0.000% | 693 | Level 2-Stated/Not Verified | Level 2-Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.36 | 0.74 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 117.89 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117503 | XXXXX | N/A | No | No | $2,148.86 | $2,148.86 | 7.250% | No | No | Permanent Resident Alien | 1 | $6,267.00 | $1,167.96 | $522.25 | $97.33 | 0.000% | 0.000% | 0.000% | 01/20/2026 | 755 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.9 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.68 | 1.48 | XXXXX | XXXXX | 9.940% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 16.02 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120232 | XXXXX | N/A | No | No | $6,646.31 | $6,646.31 | 6.990% | No | No | US Citizen | 1 | $19,721.16 | $2,554.68 | $1,643.43 | $212.89 | 0.000% | 0.000% | 0.000% | 03/02/2026 | 792 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.6 | N/A | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.7 | 1.43 | XXXXX | XXXXX | 74.900% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 61.89 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119026 | XXXXX | N/A | No | No | $4,192.40 | $4,192.40 | 7.375% | No | No | 0 | US Citizen | US Citizen | 1 | $4,925.16 | $878.04 | $410.43 | $73.17 | 0.000% | 0.000% | 0.000% | 02/26/2026 | 683 | Level 2-Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 999.0 | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.05 | 0.96 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 44.71 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117505 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $5,637.00 | $7,731.67 | 7.114% | $960.47 | $960.47 | 6.625% | No | No | Self-Employed | US Citizen | $9,626.54 | 1 | $12,800.88 | $294.96 | $1,066.74 | $24.58 | 27.801% | 27.801% | 27.801% | 12/20/2025 | 782 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $5,637.00 | 6.100% | $0.00 | 1.0 | None | N/A | No | 6.625% | 0 | 0 | 0 | 3 | 0 | 12.00 | No | XXXXX | XXXXX | 100.000% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 49.98 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000497 | XXXXX | Non QM | Yes | No | $1,430.00 | $7,943.74 | 6.520% | $10,113.09 | $10,113.09 | 6.500% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $14,275.50 | 1 | $22,044.24 | $2,151.00 | $1,837.02 | $179.25 | 46.637% | 46.637% | 46.637% | 02/04/2026 | 793 | Yes | No | [Borrower - |
Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Coborrower(s) - | Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | No | XXXXX | $1,430.00 | 5.980% | $0.00 | 1.1 | None | Yes | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | Other | XXXXX | XXXXX | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 154.76 | No | No | $5,535.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000401 | XXXXX | Non QM | Yes | No | $1,595.00 | $5,108.70 | 6.805% | $3,956.45 | $3,956.45 | 6.750% | No | No | Self-Employed | US Citizen | $24,772.15 | 1 | $18,302.76 | $3,153.00 | $1,525.23 | $262.75 | 26.489% | 26.489% | 26.489% | 01/12/2026 | 666 | No | Yes | 36 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $1,595.00 | 6.100% | $0.00 | 4.9 | None | No | No | 6.750% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 32.82 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119616 | XXXXX | Non QM | Yes | No | $1,690.00 | $5,805.19 | 7.030% | $5,482.09 | $5,482.09 | 7.000% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $34,402.80 | 1 | $8,390.88 | $6,445.32 | $699.24 | $537.11 | 36.954% | 36.954% | 36.954% | 03/03/2026 | 716 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $1,690.00 | 5.980% | $20,000.00 | 1.5 | None | No | No | 7.000% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 23.210% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 6.44 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118469 | XXXXX | Non QM | Yes | No | $26,330.00 | $30,693.08 | 6.772% | $9,924.82 | $9,924.82 | 6.625% | No | No | Employed | US Citizen | $16,350.82 | 1 | $29,850.00 | $2,124.00 | $2,487.50 | $177.00 | 43.721% | 43.721% | 43.721% | 02/10/2026 | 790 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $26,330.00 | 5.990% | $0.00 | 4.0 | None | No | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 30.870% | No | 25 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 20.54 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119927 | XXXXX | Non QM | Yes | No | $2,370.00 | $8,285.92 | 6.271% | $9,235.76 | $9,235.76 | 6.250% | No | No | Self-Employed | US Citizen | $37,283.99 | 1 | $33,632.64 | $4,098.00 | $2,802.72 | $341.50 | 37.100% | 37.100% | 37.100% | 02/03/2026 | 773 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2024 |
Alternative Documentation (A) | 2yr P&L w/o Bank Statements | 0 | 0 | 0 | No | XXXXX | $2,370.00 | 5.980% | $0.00 | 1.0 | None | N/A | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 26.00 | No | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 7.25 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119022 | XXXXX | N/A | No | No | $2,721.32 | $2,721.32 | 6.625% | No | No | US Citizen | 1 | $8,187.48 | $1,554.96 | $682.29 | $129.58 | 0.000% | 0.000% | 0.000% | 02/11/2026 | 773 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | XXXXX | XXXXX | 47.040% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 18.4 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120288 | XXXXX | Non QM | Yes | No | $7,695.00 | $10,730.18 | 6.498% | $1,579.79 | $1,579.79 | 6.125% | No | No | Employed | US Citizen | $4,439.90 | 1 | $3,617.04 | $2,146.68 | $301.42 | $178.89 | 31.694% | 31.694% | 31.694% | 02/18/2026 | 722 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $7,695.00 | 5.980% | $0.00 | None | N/A | No | 6.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | No | 26 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 17.1 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118092 | XXXXX | Non QM | Yes | No | $2,565.00 | $4,339.67 | 6.585% | $2,351.29 | $2,351.29 | 6.500% | No | No | Employed | Non-Permanent Resident Alien | XXX | $15,794.48 | 1 | $12,164.76 | $702.00 | $1,013.73 | $58.50 | 21.201% | 21.201% | 21.201% | 02/12/2026 | 807 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $2,565.00 | 6.100% | $0.00 | 1.0 | None | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | No | 25 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Employment Authorization | No | 3.53 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117682 | XXXXX | Non QM | Yes | No | $7,865.00 | $9,959.46 | 6.387% | $3,632.73 | $3,632.73 | 6.250% | No | No | Self-Employed | US Citizen | $8,113.01 | 1 | $19,438.56 | $4,170.96 | $1,619.88 | $347.58 | 44.103% | 44.103% | 44.103% | 02/18/2026 | 790 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $7,865.00 | 6.100% | $0.00 | 1.0 | None | N/A | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 0.1 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121213 | XXXXX | N/A | No | No | $4,986.33 | $4,986.33 | 8.000% | No | No | US Citizen | 1 | $6,499.20 | $2,212.32 | $541.60 | $184.36 | 0.000% | 0.000% | 0.000% | 02/22/2026 | 747 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 8.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.87 | 1.15 | 360 | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 66.36 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119941 | XXXXX | Non QM | Yes | No | $5,565.00 | $10,313.00 | 7.828% | $1,798.65 | $2,343.60 | 8.673% | No | No | Self-Employed | Non-Permanent Resident Alien | XXX | $6,450.89 | 1 | $10,749.96 | $2,183.28 | $895.83 | $181.94 | 44.931% | 43.318% | 44.931% | 02/24/2026 | 797 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 |
Alternative Documentation (A) | 2yr P&L w/o Bank Statements | 0 | 0 | 0 | No | XXXXX | $5,565.00 | 6.150% | $0.00 | 1.0 | None | N/A | No | 8.673% | 0 | 0 | 0 | 0 | 0 | 24.00 | No | XXXXX | XXXXX | 11.730% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Employment Authorization | 0.02 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120864 | XXXXX | N/A | No | No | $867.15 | $867.15 | 6.875% | No | No | US Citizen | 1 | $3,036.72 | $1,253.52 | $253.06 | $104.46 | 0.000% | 0.000% | 0.000% | 02/18/2026 | 751 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.47 | 0.68 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 49.09 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120248 | XXXXX | Non QM | Yes | No | $3,180.00 | $5,563.11 | 6.727% | $2,663.69 | $2,663.69 | 6.625% | No | No | Employed | US Citizen | $8,064.19 | 1 | $5,699.88 | $1,213.56 | $474.99 | $101.13 | 30.957% | 30.957% | 30.957% | 02/08/2026 | 812 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $3,180.00 | 5.980% | $0.00 | 1.3 | None | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | No | 25 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 2.64 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120233 | XXXXX | N/A | No | No | $2,694.87 | $2,694.87 | 7.125% | No | No | US Citizen | 1 | $10,562.76 | $1,116.96 | $880.23 | $93.08 | 0.000% | 0.000% | 0.000% | 02/10/2026 | 787 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.68 | 1.47 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 95.79 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120650 | XXXXX | N/A | No | No | $3,742.62 | $3,742.62 | 6.625% | No | No | US Citizen | 1 | $13,956.84 | $2,700.96 | $1,163.07 | $225.08 | 0.000% | 0.000% | 0.000% | 01/16/2026 | 788 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.1 | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.84 | 1.19 | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 115.19 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118972 | XXXXX | N/A | No | No | $1,622.06 | $1,622.06 | 6.375% | No | No | US Citizen | 1 | $13,536.48 | $1,868.04 | $1,128.04 | $155.67 | 0.000% | 0.000% | 0.000% | 01/22/2026 | 770 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 3.8 | Yes | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.67 | 1.5 | XXXXX | XXXXX | 29.970% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 45.4 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000115837 | XXXXX | Non QM | Yes | No | $2,890.00 | $12,996.09 | 6.760% | $19,652.34 | $26,565.22 | 6.750% | No | No | Self-Employed | US Citizen | $44,505.12 | 1 | $52,710.96 | $7,137.00 | $4,392.58 | $594.75 | 44.683% | 36.091% | 44.683% | 03/05/2026 | 788 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 |
Alternative Documentation (A) | 2yr P&L w/o Bank Statements | 0 | 0 | 0 | No | XXXXX | $2,890.00 | 6.100% | $0.00 | 4.5 | None | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 24.00 | No | 240 | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 4.51 | No | No | $0.00 | $0.00 | No | No | No | No | 6 | 240 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120386 | XXXXX | N/A | No | No | $905.25 | $905.25 | 6.875% | No | No | US Citizen | 1 | $1,338.24 | $1,425.84 | $111.52 | $118.82 | 0.000% | 0.000% | 0.000% | 02/20/2026 | 750 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.3 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.36 | 0.73 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 173.03 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120488 | XXXXX | N/A | No | No | $1,008.57 | $1,008.57 | 6.750% | No | No | US Citizen | 1 | $1,292.76 | $2,364.96 | $107.73 | $197.08 | 0.000% | 0.000% | 0.000% | 12/23/2025 | 687 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.8 | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.91 | 1.09 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 54.22 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120069 | XXXXX | N/A | No | No | $1,038.90 | $1,038.90 | 6.625% | No | No | US Citizen | 1 | $2,039.16 | $1,494.96 | $169.93 | $124.58 | 0.000% | 0.000% | 0.000% | 02/09/2026 | 703 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.2 | No | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.85 | 1.18 | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 144.2 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121973 | XXXXX | N/A | No | No | $1,335.05 | $1,335.05 | 6.625% | No | No | US Citizen | 1 | $4,708.32 | $750.00 | $392.36 | $62.50 | 0.000% | 0.000% | 0.000% | 02/25/2026 | 800 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.62 | 0.62 | XXXXX | XXXXX | 1.070% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 107.07 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118425 | XXXXX | Non QM | Yes | No | $16,059.20 | $22,609.51 | 7.546% | $7,453.77 | $7,453.77 | 7.375% | No | No | Employed | US Citizen | $14,399.72 | 1 | $16,502.16 | $5,664.00 | $1,375.18 | $472.00 | 41.901% | 41.901% | 41.901% | 02/04/2026 | 781 | No | No | [Borrower - | Primary Income - Wages]; WVOE - 2026 | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $16,059.20 | 5.980% | $3,050.00 | None | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 28.350% | No | 12 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 7.96 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118545 | XXXXX | Non QM | Yes | No | $3,370.28 | $6,276.70 | 7.061% | $1,172.34 | $1,172.34 | 6.750% | No | No | Self-Employed | US Citizen | $2,574.22 | 1 | $1,741.80 | $1,058.04 | $145.15 | $88.17 | 42.690% | 42.690% | 42.690% | 02/02/2026 | 775 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $3,370.28 | 6.100% | $0.00 | 1.8 | None | Yes | No | 6.750% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 46.400% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 16.07 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121106 | XXXXX | N/A | No | No | $1,946.01 | $1,946.01 | 7.000% | No | No | US Citizen | 1 | $3,620.64 | $2,910.24 | $301.72 | $242.52 | 0.000% | 0.000% | 0.000% | 01/09/2026 | 796 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.4 | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.76 | 1.31 | XXXXX | XXXXX | 26.120% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 38.9 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118831 | XXXXX | N/A | No | No | $2,753.16 | $2,753.16 | 7.500% | No | No | US Citizen | 1 | $1,938.72 | $845.04 | $161.56 | $70.42 | 0.000% | 0.000% | 0.000% | 01/08/2026 | 776 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.6 | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.82 | 1.22 | XXXXX | XXXXX | 81.630% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 97.36 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118886 | XXXXX | N/A | No | No | $4,270.04 | $4,270.04 | 6.875% | No | No | US Citizen | US Citizen | 1 | $14,124.96 | $3,390.00 | $1,177.08 | $282.50 | 0.000% | 0.000% | 0.000% | 02/06/2026 | 723 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.6 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.8 | 1.25 | XXXXX | XXXXX | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 479.48 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120634 | XXXXX | N/A | No | No | $3,479.10 | $3,479.10 | 7.250% | No | No | US Citizen | 1 | $1,922.88 | $1,285.08 | $160.24 | $107.09 | 0.000% | 0.000% | 0.000% | 02/09/2026 | 804 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.77 | 1.3 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 6.84 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120613 | XXXXX | Non QM | Yes | No | $2,370.00 | $3,780.71 | 6.328% | $2,198.11 | $2,198.11 | 6.250% | No | No | Self-Employed | US Citizen | $10,188.60 | 1 | $13,817.88 | $3,057.84 | $1,151.49 | $254.82 | 33.096% | 33.096% | 33.096% | 02/19/2026 | 727 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $2,370.00 | 6.020% | $0.00 | 1.0 | None | N/A | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 79.96 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120652 | XXXXX | N/A | No | No | $1,534.90 | $1,534.90 | 7.250% | No | No | US Citizen | 1 | $8,537.04 | $3,950.04 | $711.42 | $329.17 | 0.000% | 0.000% | 0.000% | 02/16/2026 | 770 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.91 | 1.1 | XXXXX | XXXXX | 45.220% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 18.75 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120307 | XXXXX | N/A | No | No | $1,747.74 | $1,747.74 | 7.250% | No | No | US Citizen | 3 | $1,336.80 | $2,514.96 | $111.40 | $209.58 | 0.000% | 0.000% | 0.000% | 02/10/2026 | 739 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.84 | 0.54 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 117.94 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120651 | XXXXX | N/A | No | No | $2,121.54 | $2,121.54 | 7.125% | No | No | US Citizen | 1 | $4,880.76 | $2,943.00 | $406.73 | $245.25 | 0.000% | 0.000% | 0.000% | 03/06/2026 | 754 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.9 | 1.11 | XXXXX | XXXXX | 28.070% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 12.03 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120080 | XXXXX | N/A | No | No | $882.01 | $882.01 | 6.250% | No | No | US Citizen | 1 | $2,387.52 | $1,272.00 | $198.96 | $106.00 | 0.000% | 0.000% | 0.000% | 02/03/2026 | 808 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.5 | No | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | XXXXX | XXXXX | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 125.31 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120116 | XXXXX | Non QM | Yes | No | $6,583.75 | $7,859.75 | 6.240% | $1,708.72 | $1,708.72 | 6.000% | No | No | Employed | US Citizen | $4,993.81 | 1 | $3,024.24 | $3,651.72 | $252.02 | $304.31 | 45.002% | 45.002% | 45.002% | 02/17/2026 | 808 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $6,583.75 | 5.980% | $0.00 | 1.0 | None | N/A | No | 6.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 78.790% | No | 25 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 56.84 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118541 | XXXXX | Non QM | Yes | No | $11,400.00 | $16,010.98 | 6.466% | $7,486.44 | $7,486.44 | 6.375% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $47,929.72 | 1 | $17,465.04 | $4,367.88 | $1,455.42 | $363.99 | 30.355% | 30.355% | 30.355% | 02/09/2026 | 795 | No | No | [Borrower - |
Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; Other - 2022 [Borrower - | Primary Income - S-Corp (>= 25%)]; Other - 2012 |
[Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - No Results Returned - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $11,400.00 | 5.990% | $101,450.00 | 2.7 | None | Yes | No | 6.375% | 1 | 0 | 2 | 0 | 3 | 2 | No | XXXXX | XXXXX | 9.680% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 31.24 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119106 | XXXXX | N/A | No | No | $5,652.68 | $7,160.42 | 9.060% | $1,014.97 | $1,014.97 | 8.500% | No | No | Self-Employed | Permanent Resident Alien | $11,729.64 | 1 | $1,343.28 | $1,644.36 | $111.94 | $137.03 | 44.445% | 44.445% | 44.445% | 03/10/2026 | 730 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $5,652.68 | 5.990% | $0.00 | 1.0 | None | Yes | No | 8.500% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 96.910% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 91.71 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118484 | XXXXX | Non QM | Yes | No | $3,160.00 | $11,764.24 | 6.311% | $7,240.83 | $7,240.83 | 6.250% | No | No | Employed | Permanent Resident Alien | $18,058.45 | 1 | $21,000.00 | $1,692.96 | $1,750.00 | $141.08 | 38.785% | 38.785% | 38.785% | 02/18/2026 | 803 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $3,160.00 | 5.990% | $5,000.00 | 1.2 | None | N/A | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 36.290% | No | 25 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 10.54 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000122391 | XXXXX | N/A | No | No | $1,398.29 | $1,398.29 | 7.499% | No | No | US Citizen | US Citizen | 1 | $3,585.48 | $828.96 | $298.79 | $69.08 | 0.000% | 0.000% | 0.000% | 01/21/2026 | 812 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | 1.0 | Yes | No | 7.499% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.19 | 0.84 | XXXXX | XXXXX | 57.830% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 53.43 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120281 | XXXXX | Non QM | Yes | No | $6,081.00 | $8,718.03 | 6.339% | $1,378.97 | $1,378.97 | 6.000% | No | No | Self-Employed | US Citizen | $4,002.17 | 1 | $7,335.36 | $2,202.96 | $611.28 | $183.58 | 38.991% | 38.991% | 38.991% | 02/06/2026 | 793 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $6,081.00 | 5.990% | $0.00 | 1.0 | None | N/A | No | 6.000% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 0.2 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119957 | XXXXX | Non QM | Yes | No | $10,065.00 | $14,088.33 | 7.869% | $3,132.77 | $3,974.75 | 8.673% | No | No | Self-Employed | US Citizen | $6,794.55 | 1 | $9,228.72 | $1,597.92 | $769.06 | $133.16 | 47.335% | 45.549% | 47.335% | 03/11/2026 | 800 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $10,065.00 | 6.150% | $0.00 | 1.0 | None | N/A | No | 8.673% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | XXXXX | 42.440% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 23.44 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000122193 | XXXXX | N/A | No | No | $15,461.90 | $10,875.79 | 6.872% | $3,353.76 | $3,353.76 | 6.500% | No | No | Not Employed | Self-Employed | US Citizen | $1,474,238.61 | 1 | $10,547.16 | $1,127.40 | $878.93 | $93.95 | 1.206% | 1.206% | 1.206% | 02/11/2026 | 717 | No | Yes | 12 | Business | 100.000% | 90.000% | [Coborrower(s) - |
Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense
Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $15,461.90 | 5.460% | $0.00 | None | Yes | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 3.000% | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 201.8 | No | No | $1,492,234.31 | $0.00 | No | No | No | No | 4 | 180 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000122212 | XXXXX | N/A | No | No | $1,106.14 | $1,106.14 | 6.750% | No | No | 0 | US Citizen | US Citizen | 1 | $7,110.00 | $1,086.00 | $592.50 | $90.50 | 0.000% | 0.000% | 0.000% | 01/14/2026 | 776 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.6 | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.04 | 0.49 | XXXXX | XXXXX | 77.200% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 8.88 | Yes | 35.000% | $0.00 | $0.00 | No | No | No | No | 1 | 180 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120854 | XXXXX | N/A | No | No | $997.48 | $997.48 | 6.875% | No | No | US Citizen | 1 | $3,064.80 | $1,477.08 | $255.40 | $123.09 | 0.000% | 0.000% | 0.000% | 762 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.45 | 0.69 | XXXXX | XXXXX | 1.050% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 10.41 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120105 | XXXXX | Non QM | Yes | No | $11,270.00 | $5,187.50 | 7.091% | $2,874.11 | $2,874.11 | 7.000% | No | No | Self-Employed | US Citizen | $13,966.29 | 1 | $6,750.00 | $1,869.00 | $562.50 | $155.75 | 47.868% | 47.868% | 47.868% | 02/18/2026 | 789 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 |
Alternative Documentation (A) | 2yr P&L w/o Bank Statements | 0 | 0 | 0 | No | XXXXX | $11,270.00 | 5.980% | $5,000.00 | None | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 26.00 | No | XXXXX | XXXXX | 5.360% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 3.33 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120437 | XXXXX | N/A | No | No | $1,422.08 | $1,422.08 | 7.000% | No | No | 0 | US Citizen | US Citizen | 1 | $3,112.20 | $4,493.04 | $259.35 | $374.42 | 0.000% | 0.000% | 0.000% | 02/20/2026 | 780 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.05 | 0.96 | XXXXX | XXXXX | 33.420% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 45.5 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117519 | XXXXX | N/A | No | No | $2,299.25 | $2,299.25 | 6.875% | No | No | US Citizen | US Citizen | 1 | $7,749.96 | $1,122.00 | $645.83 | $93.50 | 0.000% | 0.000% | 0.000% | 02/10/2026 | 794 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.1 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.09 | 0.92 | XXXXX | XXXXX | 47.090% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 100.1 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119798 | XXXXX | Non QM | Yes | No | $12,845.00 | $7,515.39 | 6.439% | $4,679.02 | $4,679.02 | 6.375% | No | No | Self-Employed | US Citizen | $10,723.11 | 1 | $15,624.96 | $1,239.96 | $1,302.08 | $103.33 | 46.408% | 46.408% | 46.408% | 02/27/2026 | 791 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $12,845.00 | 5.980% | $0.00 | 1.0 | None | N/A | No | 6.375% | 0 | 0 | 0 | 3 | 0 | 14.00 | No | XXXXX | XXXXX | 53.580% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 25.34 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117903 | XXXXX | N/A | No | No | $791.64 | $791.64 | 7.750% | No | No | US Citizen | 1 | $264.00 | $951.00 | $22.00 | $79.25 | 0.000% | 0.000% | 0.000% | 02/04/2026 | 779 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.5 | No | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.46 | 0.69 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 10.23 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119113 | XXXXX | Non QM | Yes | No | $8,065.00 | $2,111.09 | 6.392% | $2,982.10 | $2,982.10 | 6.375% | No | No | Employed | US Citizen | $7,544.52 | 1 | $11,124.48 | $1,764.00 | $927.04 | $147.00 | 39.644% | 39.644% | 39.644% | 02/27/2026 | 743 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $8,065.00 | 5.990% | $0.00 | 1.0 | None | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | No | 26 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 0.06 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120800 | XXXXX | N/A | No | No | $2,781.10 | $2,781.10 | 6.500% | No | No | US Citizen | 2 | $9,232.20 | $1,976.88 | $769.35 | $164.74 | 0.000% | 0.000% | 0.000% | 02/09/2026 | 715 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | No | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | XXXXX | No | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 25.41 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121358 | XXXXX | Non QM | Yes | No | $2,565.00 | $7,203.31 | 7.706% | $4,072.97 | $5,160.40 | 8.658% | No | No | Employed | Non-Permanent Resident Alien | XXX | $9,718.97 | 1 | $11,025.00 | $1,858.56 | $918.75 | $154.88 | 41.097% | 39.326% | 41.097% | 02/27/2026 | 741 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $2,565.00 | 6.150% | $0.00 | 1.0 | None | N/A | No | 8.658% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 3.070% | No | 26 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Employment Authorization | 0.1 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120036 | XXXXX | N/A | No | No | $2,157.58 | $2,157.58 | 7.125% | No | No | US Citizen | 1 | $4,159.08 | $996.48 | $346.59 | $83.04 | 0.000% | 0.000% | 0.000% | 03/09/2026 | 739 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.8 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.97 | 1.03 | XXXXX | XXXXX | 5.930% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 8.64 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000405 | XXXXX | N/A | No | No | $6,268.75 | $6,268.75 | 6.375% | No | No | US Citizen | US Citizen | 1 | $33,114.96 | $2,601.00 | $2,759.58 | $216.75 | 0.000% | 0.000% | 0.000% | 03/09/2026 | 771 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.1 | No | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.08 | 0.92 | 240 | XXXXX | XXXXX | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 237.4 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120821 | XXXXX | Non QM | Yes | No | $7,755.00 | $11,606.48 | 7.814% | $4,098.26 | $4,587.82 | 8.158% | No | No | Employed | Employed | Permanent Resident Alien | US Citizen | $10,423.64 | 1 | $4,706.52 | $1,479.96 | $392.21 | $123.33 | 39.397% | 41.015% | 39.397% | 12/08/2025 | 753 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $7,755.00 | 6.150% | $0.00 | None | N/A | No | 8.158% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 27.050% | No | 36 | 32 | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 3.93 | No | $0.00 | $8,200.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120224 | XXXXX | Non QM | Yes | No | $2,760.00 | $5,992.54 | 6.667% | $5,737.19 | $5,737.19 | 6.625% | No | No | Self-Employed | US Citizen | $16,014.93 | 1 | $14,000.04 | $2,051.04 | $1,166.67 | $170.92 | 39.946% | 39.946% | 39.946% | 03/05/2026 | 801 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 |
Alternative Documentation (A) | 2yr P&L w/o Bank Statements | 0 | 0 | 0 | No | XXXXX | $2,760.00 | 5.980% | $12,387.00 | 1.0 | None | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 24.00 | No | XXXXX | XXXXX | 13.820% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 16.98 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116061 | XXXXX | Non QM | Yes | No | $13,431.50 | $5,099.94 | 6.798% | $4,183.46 | $4,183.46 | 6.750% | No | No | Self-Employed | Self-Employed | Permanent Resident Alien | US Citizen | $12,276.07 | 1 | $10,749.96 | $2,014.08 | $895.83 | $167.84 | 35.832% | 35.832% | 35.832% | 01/22/2026 | 737 | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Yes | XXXXX | $13,431.50 | 6.130% | $10,000.00 | 1.0 | None | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 19.510% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 27.06 | No | $9,565.60 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118483 | XXXXX | Non QM | Yes | No | $10,338.75 | $4,408.44 | 6.786% | $4,549.92 | $4,549.92 | 6.750% | No | No | Employed | US Citizen | $13,092.66 | 1 | $11,000.04 | $1,287.00 | $916.67 | $107.25 | 30.001% | 30.001% | 30.001% | 01/28/2026 | 741 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $10,338.75 | 5.990% | $0.00 | 1.0 | None | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | No | 26 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 3.31 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119416 | XXXXX | Non QM | Yes | No | $2,370.00 | $3,862.15 | 6.598% | $1,927.81 | $1,927.81 | 6.500% | No | No | Employed | Permanent Resident Alien | $6,444.90 | 1 | $16,187.52 | $435.96 | $1,348.96 | $36.33 | 35.551% | 35.551% | 35.551% | 02/18/2026 | 759 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $2,370.00 | 5.980% | $10,000.00 | 1.0 | None | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 98.730% | No | 25 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 79.11 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119027 | XXXXX | Non QM | Yes | No | $2,565.00 | $7,934.37 | 6.331% | $4,396.22 | $4,396.22 | 6.250% | No | No | Employed | Permanent Resident Alien | $9,683.65 | 1 | $12,750.00 | $2,635.56 | $1,062.50 | $219.63 | 39.477% | 39.477% | 39.477% | 02/19/2026 | 753 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $2,565.00 | 5.990% | $0.00 | 1.0 | None | N/A | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 11.680% | No | 25 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 1.35 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119512 | XXXXX | N/A | No | No | $2,807.16 | $2,807.16 | 6.125% | No | No | US Citizen | 1 | $16,442.88 | $2,139.00 | $1,370.24 | $178.25 | 0.000% | 0.000% | 0.000% | 01/07/2026 | 810 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | No | No | 6.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.08 | 0.93 | XXXXX | XXXXX | 55.760% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 39.29 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119019 | XXXXX | N/A | No | No | $1,882.81 | $1,882.81 | 7.250% | No | No | Permanent Resident Alien | 1 | $1,914.48 | $1,380.00 | $159.54 | $115.00 | 0.000% | 0.000% | 0.000% | 02/05/2026 | 661 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.5 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.88 | 1.14 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 67.48 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120837 | XXXXX | Non QM | Yes | No | $8,218.00 | $10,677.94 | 6.583% | $2,807.41 | $2,807.41 | 6.375% | No | No | Employed | US Citizen | $5,446.20 | 1 | $12,927.00 | $1,105.68 | $1,077.25 | $92.14 | 42.720% | 42.720% | 42.720% | 02/13/2026 | 808 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $8,218.00 | 6.020% | $0.00 | 1.3 | None | No | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 43.210% | No | 25 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 6.29 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121568 | XXXXX | N/A | No | No | $2,244.69 | $2,244.69 | 7.375% | No | No | Permanent Resident Alien | 1 | $3,135.72 | $1,969.20 | $261.31 | $164.10 | 0.000% | 0.000% | 0.000% | 03/06/2026 | 700 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.4 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.82 | 1.21 | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 116.59 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120500 | XXXXX | Non QM | Yes | No | $19,323.81 | $21,789.44 | 6.408% | $4,162.13 | $4,162.13 | 6.125% | No | No | Self-Employed | US Citizen | $18,961.24 | 1 | $7,898.88 | $3,098.52 | $658.24 | $258.21 | 28.529% | 28.529% | 28.529% | 03/13/2026 | 799 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2019 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $19,323.81 | 6.020% | $0.00 | 2.3 | None | N/A | No | 6.125% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 6.96 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118551 | XXXXX | Non QM | Yes | No | $0.00 | $2,254.57 | 6.262% | $3,940.59 | $3,940.59 | 6.250% | No | No | Employed | Employed | Permanent Resident Alien | Permanent Resident Alien | $23,764.85 | 1 | $14,606.76 | $2,247.96 | $1,217.23 | $187.33 | 34.561% | 34.561% | 34.561% | 02/20/2026 | 802 | No | No | [Borrower - |
Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | 5.990% | $2,500.00 | 3.8 | None | No | No | 6.250% | 0 | 2 | 2 | 0 | 3 | 2 | 0.00 | No | XXXXX | XXXXX | 100.000% | No | 25 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | Resident Alien Card | 153.5 | No | No | $0.00 | $21,069.84 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116916 | XXXXX | N/A | No | No | $7,584.82 | $7,584.82 | 6.500% | No | No | US Citizen | 4 | $13,338.60 | $6,525.00 | $1,111.55 | $543.75 | 0.000% | 0.000% | 0.000% | 01/02/2026 | 760 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.07 | 0.93 | XXXXX | XXXXX | 52.370% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 19.93 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120807 | XXXXX | N/A | No | No | $7,728.90 | $7,728.90 | 6.500% | No | No | Permanent Resident Alien | 4 | $42,147.84 | $3,279.00 | $3,512.32 | $273.25 | 0.000% | 0.000% | 0.000% | 11/25/2025 | 795 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | XXXXX | XXXXX | 10.370% | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 4.26 | Yes | 15.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 180 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118064 | XXXXX | N/A | No | No | $6,547.35 | $6,547.35 | 7.250% | No | No | 0 | US Citizen | US Citizen | 4 | $14,864.64 | $1,866.00 | $1,238.72 | $155.50 | 0.000% | 0.000% | 0.000% | 01/30/2026 | 765 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.11 | 0.9 | 240 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 84.58 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000414 | XXXXX | N/A | No | No | $10,318.75 | $10,318.75 | 6.500% | No | No | US Citizen | US Citizen | 1 | $39,745.68 | $1,336.68 | $3,312.14 | $111.39 | 0.000% | 0.000% | 0.000% | 02/04/2026 | 804 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 3.7 | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.73 | 1.37 | 240 | XXXXX | XXXXX | 86.690% | No | Yes | Preliminary | Fee Simple | Individual | Trustee | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 104.53 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000114826 | XXXXX | Non QM | Yes | No | $18,966.49 | $10,434.50 | 6.830% | $7,851.96 | $8,083.25 | 6.908% | No | No | Employed | US Citizen | $22,669.92 | 1 | $1,484.40 | $627.00 | $123.70 | $52.25 | 47.177% | 50.137% | 47.177% | 01/29/2026 | 798 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | Yes | XXXXX | $18,966.49 | 6.160% | $0.00 | None | N/A | No | 6.908% | 3 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | No | 26 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 61.5 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119851 | XXXXX | N/A | No | No | $1,271.88 | $1,271.88 | 6.875% | No | No | US Citizen | 1 | $6,316.92 | $956.04 | $526.41 | $79.67 | 0.000% | 0.000% | 0.000% | 02/02/2026 | 793 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.06 | 0.94 | 360 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 52.06 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120874 | XXXXX | N/A | No | No | $1,470.98 | $1,470.98 | 7.875% | No | No | US Citizen | 1 | $3,381.24 | $1,385.04 | $281.77 | $115.42 | 0.000% | 0.000% | 0.000% | 02/22/2026 | 768 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.13 | 0.89 | XXXXX | XXXXX | 20.950% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 17.11 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119763 | XXXXX | N/A | No | No | $979.48 | $979.48 | 6.375% | No | No | US Citizen | US Citizen | 1 | $5,099.52 | $928.92 | $424.96 | $77.41 | 0.000% | 0.000% | 0.000% | 12/20/2025 | 780 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.42 | 0.7 | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 411.46 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121526 | XXXXX | N/A | No | No | $1,202.27 | $1,202.27 | 7.625% | No | No | US Citizen | 1 | $1,037.88 | $1,001.04 | $86.49 | $83.42 | 0.000% | 0.000% | 0.000% | 12/18/2025 | 705 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.5 | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.87 | 1.14 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | No | 10.06 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118558 | XXXXX | Non QM | Yes | No | $10,426.96 | $13,324.55 | 6.614% | $3,094.39 | $3,094.39 | 6.375% | No | No | Employed | Employed | US Citizen | US Citizen | $23,052.81 | 1 | $8,586.36 | $3,605.04 | $715.53 | $300.42 | 33.285% | 33.285% | 33.285% | 02/23/2026 | 815 | No | No | [Borrower - |
Primary Income - Wages]; Employer Letter - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $10,426.96 | 5.980% | $0.00 | 2.6 | None | Yes | No | 6.375% | 2 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | 62.330% | No | 26 | 26 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 57.89 | Yes | No | $0.00 | $28,708.34 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118353 | XXXXX | N/A | No | No | $1,576.50 | $1,576.50 | 7.125% | No | No | US Citizen | 1 | $6,137.40 | $2,669.04 | $511.45 | $222.42 | 0.000% | 0.000% | 0.000% | 02/26/2026 | 752 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.17 | 0.86 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | FICO Risk Score Classic 04 | No | 93.85 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121258 | XXXXX | N/A | No | No | $1,705.44 | $1,705.44 | 7.250% | No | No | US Citizen | 1 | $7,761.72 | $597.00 | $646.81 | $49.75 | 0.000% | 0.000% | 0.000% | 02/24/2026 | 670 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.42 | 0.71 | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 43.93 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120412 | XXXXX | Non QM | Yes | No | $2,565.00 | $7,377.94 | 6.459% | $4,454.43 | $4,454.43 | 6.375% | No | No | Employed | Permanent Resident Alien | $9,822.02 | 1 | $8,789.64 | $1,800.96 | $732.47 | $150.08 | 35.382% | 35.382% | 35.382% | 02/26/2026 | 775 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $2,565.00 | 5.980% | $0.00 | 1.3 | None | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 32.250% | No | 25 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 1.52 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118485 | XXXXX | Non QM | Yes | No | $18,033.95 | $5,914.84 | 6.438% | $4,148.73 | $4,148.73 | 6.375% | No | No | Employed | US Citizen | $14,006.24 | 1 | $17,958.60 | $1,623.12 | $1,496.55 | $135.26 | 38.743% | 38.743% | 38.743% | 03/10/2026 | 800 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $18,033.95 | 5.990% | $0.00 | None | Yes | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | No | 26 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 0.17 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118725 | XXXXX | Non QM | Yes | No | $2,565.00 | $5,229.56 | 6.549% | $4,462.40 | $4,462.40 | 6.500% | No | No | Self-Employed | US Citizen | $13,554.56 | 1 | $11,753.40 | $2,190.96 | $979.45 | $182.58 | 42.694% | 42.694% | 42.694% | 02/23/2026 | 805 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements
Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $2,565.00 | 5.990% | $0.00 | None | Yes | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 17.12 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121975 | XXXXX | N/A | No | No | $1,858.28 | $1,858.28 | 6.500% | No | No | US Citizen | 1 | $3,497.28 | $1,531.08 | $291.44 | $127.59 | 0.000% | 0.000% | 0.000% | 03/06/2026 | 744 | No | No | DSCR | 1 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | XXXXX | XXXXX | 35.130% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 13.85 | No | $0.00 | $0.00 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118492 | XXXXX | Non QM | Yes | No | $7,875.00 | $11,888.00 | 7.720% | $3,093.68 | $4,025.34 | 8.658% | No | No | Employed | US Citizen | $8,278.08 | 1 | $10,749.96 | $429.00 | $895.83 | $35.75 | 38.681% | 36.315% | 38.681% | 02/04/2026 | 810 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $7,875.00 | 6.150% | $0.00 | 1.7 | None | N/A | No | 8.658% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 42.770% | No | 25 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 0.57 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000115263 | XXXXX | N/A | No | No | $1,305.65 | $1,305.65 | 6.875% | No | No | US Citizen | 1 | $4,167.48 | $1,900.56 | $347.29 | $158.38 | 0.000% | 0.000% | 0.000% | 02/04/2026 | 796 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.89 | 1.12 | XXXXX | XXXXX | 46.910% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 22.38 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120762 | XXXXX | N/A | No | No | $1,954.36 | $1,954.36 | 6.875% | No | No | US Citizen | 2 | $7,516.80 | $1,968.84 | $626.40 | $164.07 | 0.000% | 0.000% | 0.000% | 03/02/2026 | 819 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.06 | 0.95 | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 178.94 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118946 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $12,345.00 | $7,388.39 | 7.144% | $2,900.72 | $2,900.72 | 7.000% | No | No | Self-Employed | US Citizen | $45,576.60 | 1 | $6,812.52 | $11,526.00 | $567.71 | $960.50 | 24.039% | 24.039% | 24.039% | 02/19/2026 | 740 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2020 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $12,345.00 | 5.990% | $0.00 | 1.0 | None | Yes | No | 7.000% | 0 | 0 | 0 | 4 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 3.660% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 12.38 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118733 | XXXXX | Non QM | Yes | No | $17,202.56 | $20,289.76 | 7.799% | $3,144.30 | $3,144.30 | 7.375% | No | No | Self-Employed | US Citizen | $11,933.55 | 1 | $4,813.92 | $2,772.96 | $401.16 | $231.08 | 25.486% | 25.486% | 25.486% | 01/16/2026 | 703 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2026 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $17,202.56 | 5.990% | $0.00 | 1.0 | None | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 29.86 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116577 | XXXXX | Non QM | Yes | No | $0.00 | $1,015.02 | 6.623% | $4,442.16 | $4,442.16 | 6.625% | No | No | Self-Employed | US Citizen | $14,937.58 | 1 | $11,400.00 | $1,491.12 | $950.00 | $124.26 | 27.308% | 27.308% | 27.308% | 02/10/2026 | 785 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 |
Alternative Documentation (A) | 2yr P&L w/o Bank Statements | 0 | 0 | 0 | No | XXXXX | 6.130% | $0.00 | 1.0 | None | Yes | No | 6.625% | 0 | 0 | 0 | 2 | 0 | 24.00 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 5.16 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120886 | XXXXX | Non QM | Yes | No | $11,391.00 | $13,133.75 | 7.933% | $2,139.60 | $2,139.60 | 7.500% | No | No | Employed | US Citizen | $4,451.17 | 1 | $7,805.76 | $1,539.96 | $650.48 | $128.33 | 40.651% | 40.651% | 40.651% | 12/17/2025 | 664 | No | No | [Borrower - |
Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $11,391.00 | 6.020% | $0.00 | 1.0 | None | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | No | 26 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 40.56 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119582 | XXXXX | Non QM | Yes | No | $2,545.00 | $2,137.00 | 6.503% | $6,826.33 | $6,826.33 | 6.500% | No | No | Employed | US Citizen | $11,475.48 | 1 | $15,898.32 | $3,819.96 | $1,324.86 | $318.33 | 47.839% | 47.839% | 47.839% | 02/25/2026 | 784 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $2,545.00 | 5.980% | $0.00 | None | Yes | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | No | 25 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 98.51 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118285 | XXXXX | N/A | No | No | $3,297.01 | $3,297.01 | 7.125% | No | No | US Citizen | 1 | $3,637.80 | $1,702.68 | $303.15 | $141.89 | 0.000% | 0.000% | 0.000% | 02/13/2026 | 759 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 4.6 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.83 | 1.21 | XXXXX | XXXXX | 47.190% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 37.85 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120748 | XXXXX | N/A | No | No | $6,569.29 | $6,569.29 | 6.875% | No | No | US Citizen | 1 | $5,782.32 | $1,555.68 | $481.86 | $129.64 | 0.000% | 0.000% | 0.000% | 03/10/2026 | 706 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.8 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.85 | 1.18 | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 136.86 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000115977 | XXXXX | N/A | No | No | $5,659.00 | $6,754.96 | 7.570% | $1,353.78 | $1,353.78 | 7.250% | No | No | Not Employed | Not Employed | Employed | 28.56 | US Citizen | US Citizen | $13,564.80 | 1 | $5,833.20 | $1,286.04 | $486.10 | $107.17 | 26.766% | 26.766% | 26.766% | 02/03/2026 | 830 | Level 3-Stated/Partially Verified | Level 5-Stated/Verified as defined | Level 3-Stated/Verified as defined | No | No | [Coborrower(s) - |
Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $5,659.00 | 6.130% | $500.00 | 1.0 | None | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 100.000% | No | 25 | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | 238.21 | No | No | $0.00 | $18,522.62 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120880 | XXXXX | Non QM | Yes | No | $13,200.00 | $17,480.14 | 6.912% | $2,528.27 | $2,528.27 | 6.500% | No | No | Self-Employed | US Citizen | $16,960.48 | 1 | $13,650.24 | $3,036.00 | $1,137.52 | $253.00 | 27.079% | 27.079% | 27.079% | 02/23/2026 | 808 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2026 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $13,200.00 | 5.980% | $1,500.00 | 1.0 | None | No | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | XXXXX | 1.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 2.16 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120042 | XXXXX | N/A | No | No | $1,375.03 | $1,375.03 | 6.750% | No | No | US Citizen | 1 | $2,400.48 | $944.04 | $200.04 | $78.67 | 0.000% | 0.000% | 0.000% | 12/03/2025 | 739 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.6 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.15 | 0.87 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 3.29 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118417 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $14,795.00 | $16,264.00 | 6.794% | $2,196.02 | $2,196.02 | 6.375% | No | No | Self-Employed | US Citizen | $7,207.38 | 1 | $5,196.00 | $2,040.60 | $433.00 | $170.05 | 47.709% | 47.709% | 47.709% | 02/11/2026 | 790 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $14,795.00 | 5.990% | $0.00 | 2.3 | None | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | XXXXX | 83.360% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 93.55 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000122085 | XXXXX | N/A | No | No | $826.31 | $826.31 | 6.750% | No | No | US Citizen | 1 | $2,082.84 | $1,268.04 | $173.57 | $105.67 | 0.000% | 0.000% | 0.000% | 02/26/2026 | 716 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.36 | 0.74 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 103.09 | Yes | 20.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119120 | XXXXX | Non QM | Yes | No | $8,270.00 | $12,110.35 | 6.466% | $2,893.87 | $2,893.87 | 6.250% | No | No | Self-Employed | US Citizen | $6,344.84 | 1 | $10,875.00 | $1,455.84 | $906.25 | $121.32 | 38.782% | 38.782% | 38.782% | 02/24/2026 | 800 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 |
Alternative Documentation (A) | 2yr P&L w/o Bank Statements | 0 | 0 | 0 | No | XXXXX | $8,270.00 | 5.990% | $2,888.00 | 1.0 | None | N/A | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 26.00 | No | XXXXX | XXXXX | 48.940% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 0.58 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120614 | XXXXX | Non QM | Yes | No | $1,570.00 | $2,730.21 | 6.464% | $1,497.29 | $1,497.29 | 6.375% | No | No | Employed | Non-Permanent Resident Alien | XXX | $5,562.72 | 1 | $8,367.96 | $1,995.96 | $697.33 | $166.33 | 36.787% | 36.787% | 36.787% | 02/26/2026 | 762 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | Yes | XXXXX | $1,570.00 | 6.020% | $0.00 | 1.0 | None | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | No | 25 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Employment Authorization | No | 36.47 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118471 | XXXXX | Non QM | Yes | No | $18,080.00 | $9,165.72 | 6.816% | $6,485.98 | $6,485.98 | 6.750% | No | No | Employed | US Citizen | $16,781.61 | 1 | $16,875.00 | $1,541.28 | $1,406.25 | $128.44 | 37.475% | 37.475% | 37.475% | 02/16/2026 | 795 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $18,080.00 | 5.990% | $0.00 | 1.0 | None | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 3.020% | No | 26 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 0.03 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000499 | XXXXX | N/A | No | No | $1,440.70 | $1,440.70 | 6.625% | No | No | US Citizen | US Citizen | 1 | $6,954.84 | $2,118.96 | $579.57 | $176.58 | 0.000% | 0.000% | 0.000% | 03/01/2026 | 770 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.6 | No | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.78 | 0.36 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 97.34 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120842 | XXXXX | Non QM | Yes | No | $6,215.00 | $8,030.67 | 6.616% | $3,590.15 | $3,590.15 | 6.500% | No | No | Employed | Permanent Resident Alien | $7,345.67 | 1 | $5,185.20 | $3,024.96 | $432.10 | $252.08 | 45.108% | 45.108% | 45.108% | 02/26/2026 | 731 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $6,215.00 | 6.020% | $0.00 | None | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 5.270% | No | 25 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 3.35 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121284 | XXXXX | Non QM | Yes | No | $7,160.00 | $11,194.48 | 6.634% | $2,401.90 | $2,401.90 | 6.375% | No | No | Employed | Non-Permanent Resident Alien | XXX | $4,482.46 | 1 | $6,875.04 | $1,052.64 | $572.92 | $87.72 | 43.260% | 43.260% | 43.260% | 02/04/2026 | 786 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $7,160.00 | 6.020% | $0.00 | 1.0 | None | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 41.080% | No | 25 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Employment Authorization | 31.77 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120773 | XXXXX | Non QM | Yes | No | $2,715.00 | $9,223.83 | 6.418% | $8,484.63 | $8,484.63 | 6.375% | No | No | Employed | US Citizen | $14,704.32 | 1 | $28,000.08 | $550.32 | $2,333.34 | $45.86 | 47.517% | 47.517% | 47.517% | 02/24/2026 | 727 | No | No | [Borrower - |
Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $2,715.00 | 6.020% | $0.00 | 1.0 | None | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 34.640% | No | 26 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 5.22 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121494 | XXXXX | N/A | No | No | $16,609.38 | $13,609.54 | 6.854% | $2,299.15 | $2,299.15 | 6.500% | No | No | Employed | Employed | US Citizen | US Citizen | $12,443.21 | 1 | $6,062.52 | $0.00 | $505.21 | $0.00 | 36.531% | 36.531% | 36.531% | 03/03/2026 | 770 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | XXXXX | $16,609.38 | 6.120% | $4,000.00 | None | N/A | No | 6.500% | 1 | 1 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 36.420% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 11.56 | No | No | $0.00 | $6,999.82 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121506 | XXXXX | Non QM | Yes | No | $1,570.00 | $6,089.12 | 6.671% | $6,070.15 | $6,070.15 | 6.625% | No | No | Employed | US Citizen | $8,349.56 | 1 | $14,812.56 | $2,249.04 | $1,234.38 | $187.42 | 47.611% | 47.611% | 47.611% | 02/27/2026 | 775 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $1,570.00 | 6.020% | $4,000.00 | 1.0 | None | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 3.210% | No | 26 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 3.31 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119828 | XXXXX | Non QM | Yes | No | $36,945.00 | $7,633.00 | 7.637% | $14,154.50 | $14,154.50 | 7.624% | No | No | Self-Employed | US Citizen | $60,189.08 | 1 | $25,361.40 | $5,946.00 | $2,113.45 | $495.50 | 28.869% | 28.869% | 28.869% | 02/05/2026 | 679 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - Year Not Available |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Yes | XXXXX | $36,945.00 | 5.980% | $0.00 | 1.9 | None | N/A | No | 7.624% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 49.51 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000111525 | XXXXX | Non QM | Yes | No | $8,985.00 | $9,462.21 | 6.573% | $1,215.22 | $1,215.22 | 6.125% | No | No | Employed | Permanent Resident Alien | $6,681.27 | 1 | $6,905.16 | $2,649.96 | $575.43 | $220.83 | 28.771% | 28.771% | 28.771% | 01/16/2026 | 777 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $8,985.00 | 6.020% | $0.00 | None | Yes | No | 6.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | No | 26 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | No | 26.71 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119125 | XXXXX | Non QM | Yes | No | $2,620.00 | $4,634.88 | 6.285% | $4,765.65 | $4,765.65 | 6.250% | No | No | Employed | US Citizen | $9,956.27 | 1 | $19,773.00 | $2,193.72 | $1,647.75 | $182.81 | 44.870% | 44.870% | 44.870% | 02/13/2026 | 781 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $2,620.00 | 5.990% | $0.00 | 1.5 | None | N/A | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | No | 25 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 4.32 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118175 | XXXXX | N/A | No | No | $3,951.90 | $3,951.90 | 7.000% | No | No | US Citizen | 1 | $20,260.20 | $1,406.52 | $1,688.35 | $117.21 | 0.000% | 0.000% | 0.000% | 01/30/2026 | 767 | No | No | DSCR | 1 | 0 | 0 | No | XXXXX | $0.00 | 4.3 | No | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.08 | 0.93 | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 151.55 | No | $0.00 | $0.00 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123130 | XXXXX | N/A | No | No | $1,024.57 | $1,024.57 | 7.000% | No | No | US Citizen | 1 | $3,429.60 | $2,286.00 | $285.80 | $190.50 | 0.000% | 0.000% | 0.000% | 02/06/2026 | 800 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.1 | No | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.25 | 0.8 | XXXXX | XXXXX | 41.940% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 13.7 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123117 | XXXXX | Non QM | Yes | No | $2,249.00 | $2,230.46 | 7.580% | $1,398.43 | $1,398.43 | 7.500% | No | No | Self-Employed | US Citizen | $127,205.92 | 1 | $1,935.60 | $3,216.00 | $161.30 | $268.00 | 16.541% | 16.541% | 16.541% | 01/23/2026 | 705 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2018 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $2,249.00 | 6.020% | $8,168.00 | 3.3 | None | No | No | 7.500% | 0 | 0 | 0 | 4 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 0.600% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 108.75 | No | No | $0.00 | $0.00 | No | No | No | No | 8 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119127 | XXXXX | N/A | No | No | $20,271.60 | $8,631.90 | 6.910% | $3,124.95 | $3,124.95 | 6.750% | No | No | Employed | US Citizen | $5,721.61 | 1 | $10,358.28 | $1,725.00 | $863.19 | $143.75 | 32.687% | 32.687% | 32.687% | 02/09/2026 | 735 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $20,271.60 | 5.990% | $0.00 | 2.6 | None | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | No | 25 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 111.95 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119723 | XXXXX | N/A | No | No | $1,609.20 | $1,609.20 | 7.000% | No | No | US Citizen | US Citizen | 2 | $6,554.76 | $849.00 | $546.23 | $70.75 | 0.000% | 0.000% | 0.000% | 03/03/2026 | 811 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | No | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.21 | 0.82 | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 108.34 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119091 | XXXXX | Non QM | Yes | No | $23,310.00 | $4,503.41 | 6.399% | $6,781.47 | $6,781.47 | 6.375% | No | No | Self-Employed | US Citizen | $17,903.73 | 1 | $17,473.56 | $4,296.00 | $1,456.13 | $358.00 | 43.901% | 43.901% | 43.901% | 02/23/2026 | 796 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 |
Alternative Documentation (A) | 2yr P&L w/o Bank Statements | 0 | 0 | 0 | No | XXXXX | $23,310.00 | 5.990% | $0.00 | 1.3 | None | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 24.00 | No | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 10.31 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118310 | XXXXX | Non QM | Yes | No | $16,306.00 | $7,837.89 | 6.514% | $2,860.44 | $2,860.44 | 6.375% | No | No | Employed | Permanent Resident Alien | $6,998.76 | 1 | $11,344.56 | $3,329.04 | $945.38 | $277.42 | 41.677% | 41.677% | 41.677% | 02/20/2026 | 812 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $16,306.00 | 5.990% | $0.00 | 1.4 | None | Yes | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 5.390% | No | 26 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 7.08 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000112181 | XXXXX | N/A | Yes | No | No | $96,095.00 | $35,040.14 | 7.580% | $9,669.45 | $9,669.45 | 7.375% | No | No | Self-Employed | US Citizen | $18,186.03 | 1 | $9,535.56 | $3,665.04 | $794.63 | $305.42 | 44.873% | 44.873% | 44.873% | 12/04/2025 | 711 | No | Yes | 12 | Personal, Business | 62.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2023 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2023 [Borrower - | Non-Primary Income - Wages]; VVOE - 2026 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2025 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2025 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2024 [Borrower - | Non-Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXXX | $96,095.00 | 6.250% | $0.00 | 2.5 | None | N/A | No | 7.375% | 1 | 0 | 0 | 1 | 0 | 12 | 12 | 0.00 | No | XXXXX | XXXXX | 23.800% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 32.06 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000112077 | XXXXX | N/A | Yes | No | No | $18,400.00 | $7,519.89 | 6.930% | $1,546.35 | $1,546.35 | 6.625% | No | No | Self-Employed | US Citizen | $21,228.65 | 1 | $1,307.52 | $842.04 | $108.96 | $70.17 | 14.518% | 14.518% | 14.518% | 12/22/2025 | 696 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | Chapter 13 | 1 | 0 | 0 | 0 | XXXXX | $18,400.00 | 6.180% | $0.00 | 1.0 | None | N/A | No | 6.625% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 75.650% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 88.68 | No | Yes | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000114032 | XXXXX | N/A | Yes | No | No | $26,795.00 | $11,239.77 | 8.280% | $2,641.30 | $2,641.30 | 7.999% | No | No | Not Employed | Self-Employed | US Citizen | $295,715.58 | 1 | $5,777.88 | $1,038.96 | $481.49 | $86.58 | 11.851% | 11.851% | 11.851% | 10/31/2025 | 763 | No | Yes | 12 | Business | 100.000% | 100.000% | [Coborrower(s) - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXXX | $26,795.00 | 6.140% | $0.00 | 3.9 | None | N/A | No | 7.999% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 106.57 | No | Yes | $335,472.12 | $0.00 | No | No | No | No | 7 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000114171 | XXXXX | Non QM | Yes | No | $10,643.00 | $12,380.84 | 8.281% | $3,168.97 | $3,168.97 | 7.999% | No | No | Self-Employed | Non-Permanent Resident Alien | XXX | $5,586.95 | 1 | $5,771.64 | $1,929.96 | $480.97 | $160.83 | 42.240% | 42.240% | 42.240% | 12/18/2025 | 700 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | XXXXX | $10,643.00 | 6.250% | $76,000.00 | 1.0 | None | N/A | No | 7.999% | 0 | 0 | 0 | 2 | 0 | 13.00 | No | XXXXX | XXXXX | 0.070% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Employment Authorization | 5.49 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000112066 | XXXXX | N/A | Yes | No | No | $33,571.25 | $20,319.23 | 7.202% | $2,928.42 | $2,928.42 | 6.750% | No | No | Not Employed | Self-Employed | Foreign National | XXX | $16,278.24 | 1 | $5,334.00 | $761.04 | $444.50 | $63.42 | 10.266% | 10.266% | 10.266% | No | No | [Coborrower(s) - | Primary Income - Sole Proprietor]; CPA Letter - 2026 | [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | XXXXX | $33,571.25 | 6.060% | $0.00 | 1.0 | None | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 56.690% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Passport, VISA | 31.3 | Yes | $18,140.58 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000114120 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $17,532.51 | $8,441.71 | 7.871% | $3,805.94 | $3,805.94 | 7.750% | No | No | Self-Employed | US Citizen | $69,837.83 | 1 | $8,406.60 | $3,312.48 | $700.55 | $276.04 | 10.010% | 10.010% | 10.010% | 01/15/2026 | 806 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2020 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2020 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXXX | $17,532.51 | 6.140% | $0.00 | 1.0 | None | N/A | No | 7.750% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 1.050% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 24.92 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000114073 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $15,317.19 | $17,843.63 | 8.193% | $3,790.30 | $3,790.30 | 7.875% | No | No | Self-Employed | US Citizen | $9,071.19 | 1 | $7,687.56 | $1,361.16 | $640.63 | $113.43 | 42.716% | 42.716% | 42.716% | 11/19/2025 | 722 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Non-Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Non-Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Non-Primary Income - P&L Statement Only]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - P&L Statement Only]; P&L Statement - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | XXXXX | $15,317.19 | 6.170% | $14,500.00 | 1.0 | None | N/A | No | 7.875% | 0 | 0 | 0 | 3 | 0 | 12.00 | No | XXXXX | XXXXX | 13.010% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 9.26 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000114082 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $13,595.00 | $6,639.75 | 8.133% | $2,934.78 | $2,934.78 | 7.999% | No | No | Self-Employed | US Citizen | $20,032.06 | 1 | $9,855.72 | $3,390.24 | $821.31 | $282.52 | 28.043% | 28.043% | 28.043% | 12/19/2025 | 708 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | XXXXX | $13,595.00 | 6.180% | $0.00 | 3.9 | None | N/A | No | 7.999% | 0 | 0 | 0 | 3 | 0 | 12.00 | No | XXXXX | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000114115 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $7,953.21 | $4,360.44 | 6.895% | $1,599.22 | $1,599.22 | 6.750% | No | No | Non-Employment Income | Non-Permanent Resident Alien | XXX | $14,675.92 | 1 | $8,012.04 | $728.04 | $667.67 | $60.67 | 13.907% | 13.907% | 13.907% | 01/14/2026 | 654 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 | [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | XXXXX | $7,953.21 | 6.100% | $15,297.00 | 1.0 | None | N/A | No | 6.750% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | 60 | XXXXX | XXXXX | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Employment Authorization | 443.22 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000114124 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $20,005.19 | $625.00 | 6.493% | $2,744.42 | $2,744.42 | 6.500% | No | No | Self-Employed | US Citizen | $13,819.12 | 1 | $7,236.36 | $603.96 | $603.03 | $50.33 | 25.010% | 25.010% | 25.010% | 01/13/2026 | 756 | No | Yes | 12 | Personal | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXXX | $20,005.19 | 6.100% | $29,708.05 | 1.0 | None | N/A | No | 6.500% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 39.170% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 42.09 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000114071 | XXXXX | N/A | Yes | No | No | $25,420.02 | $12,053.37 | 7.097% | $2,131.43 | $2,131.43 | 6.750% | No | No | Self-Employed | US Citizen | $7,128.86 | 1 | $5,134.68 | $1,174.20 | $427.89 | $97.85 | 44.629% | 44.629% | 44.629% | 01/06/2026 | 734 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements
Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXXX | $25,420.02 | 6.130% | $0.00 | 1.0 | None | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 46.950% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 34.65 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000113972 | XXXXX | XXXXX | N/A | No | No | $4,775.23 | $4,775.23 | 7.250% | No | No | US Citizen | 1 | $13,595.16 | $5,616.00 | $1,132.93 | $468.00 | 0.000% | 0.000% | 0.000% | 03/24/2025 | 745 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.13 | 0.89 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 109.58 | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000113973 | XXXXX | N/A | No | No | $3,094.90 | $3,094.90 | 7.750% | No | No | US Citizen | 1 | $1,847.52 | $3,567.12 | $153.96 | $297.26 | 0.000% | 0.000% | 0.000% | 08/21/2025 | 736 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.0 | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.38 | 0.72 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 2.5 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000112282 | XXXXX | N/A | No | No | $1,730.74 | $1,730.74 | 8.750% | No | No | US Citizen | 1 | $1,575.96 | $1,494.00 | $131.33 | $124.50 | 0.000% | 0.000% | 0.000% | 08/29/2025 | 789 | Yes | No | [Coborrower(s) - | Non-Primary Income - Asset Depletion]; Account Statements - 2025 | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 8.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.17 | 0.85 | 60 | XXXXX | XXXXX | 83.660% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 64.86 | Yes | 18.000% | $1,352.43 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000112264 | XXXXX | N/A | No | No | $4,104.92 | $4,104.92 | 7.750% | No | No | Non-Employment Income | US Citizen | 1 | $11,680.32 | $1,312.32 | $973.36 | $109.36 | 0.000% | 0.000% | 0.000% | 10/28/2025 | 751 | Yes | No | [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2025 | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.4 | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.25 | 0.8 | 60 | 240 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 81.85 | Yes | 18.000% | $2,772.00 | $0.00 | No | No | No | No | 1 | 240 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000112277 | XXXXX | N/A | No | No | $2,117.20 | $2,117.20 | 7.875% | No | No | Non-Employment Income | US Citizen | 1 | $3,197.04 | $2,241.00 | $266.42 | $186.75 | 0.000% | 0.000% | 0.000% | 08/06/2025 | 747 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.6 | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | 60 | XXXXX | XXXXX | 33.270% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 44.36 | Yes | 18.000% | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000112243 | XXXXX | N/A | No | No | $2,322.85 | $2,322.85 | 6.500% | No | No | Non-Employment Income | 0 | US Citizen | US Citizen | 1 | $7,143.48 | $1,561.32 | $595.29 | $130.11 | 0.000% | 0.000% | 0.000% | 10/04/2025 | 782 | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Yes | No | [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2025 | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 3.3 | Yes | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.23 | 0.45 | 60 | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 118.31 | Yes | 18.000% | $5,534.14 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000112304 | XXXXX | N/A | No | No | $1,355.83 | $1,355.83 | 7.250% | No | No | US Citizen | 1 | $1,712.28 | $2,179.32 | $142.69 | $181.61 | 0.000% | 0.000% | 0.000% | 10/06/2025 | 742 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 4.4 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.49 | 0.67 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 109.08 | Yes | 18.000% | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000113988 | XXXXX | N/A | No | No | $6,569.29 | $6,569.29 | 6.875% | No | No | US Citizen | 3 | $7,503.96 | $5,139.36 | $625.33 | $428.28 | 0.000% | 0.000% | 0.000% | 09/19/2025 | 756 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.14 | 0.88 | XXXXX | XXXXX | 6.900% | No | Yes | Final | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 9.81 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000113999 | XXXXX | N/A | No | No | $3,337.62 | $3,337.62 | 6.625% | No | No | Non-Permanent Resident Alien | 2 | $10,197.84 | $3,560.40 | $849.82 | $296.70 | 0.000% | 0.000% | 0.000% | 10/27/2025 | 802 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.67 | 0.6 | XXXXX | XXXXX | 1.430% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 6.98 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000112252 | XXXXX | N/A | No | No | $4,754.66 | $4,754.66 | 7.500% | No | No | Permanent Resident Alien | 2 | $9,666.12 | $2,919.00 | $805.51 | $243.25 | 0.000% | 0.000% | 0.000% | 10/16/2025 | 813 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.16 | 0.86 | XXXXX | XXXXX | 24.610% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 9.74 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000112109 | XXXXX | N/A | No | No | $2,973.12 | $2,973.12 | 7.125% | No | No | US Citizen | 1 | $2,114.16 | $1,079.04 | $176.18 | $89.92 | 0.000% | 0.000% | 0.000% | 11/25/2025 | 764 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 3.1 | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.08 | 0.93 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000112263 | XXXXX | N/A | No | No | $2,189.94 | $2,189.94 | 7.500% | No | No | US Citizen | 3 | $7,905.48 | $2,175.00 | $658.79 | $181.25 | 0.000% | 0.000% | 0.000% | 10/14/2025 | 672 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.85 | 0.54 | XXXXX | XXXXX | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 0 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000112150 | XXXXX | N/A | No | No | $1,436.60 | $1,436.60 | 7.375% | No | No | US Citizen | 2 | $3,356.64 | $1,382.64 | $279.72 | $115.22 | 0.000% | 0.000% | 0.000% | 12/03/2025 | 722 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.56 | 0.64 | XXXXX | XXXXX | 20.420% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 27.57 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000112186 | XXXXX | N/A | No | No | $1,792.56 | $1,792.56 | 6.750% | No | No | Foreign National | 1 | $10,645.92 | $1,873.44 | $887.16 | $156.12 | 0.000% | 0.000% | 0.000% | Yes | No | [Coborrower(s) - | Non-Primary Income - Asset Depletion]; Account Statements - 2025 | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | 2.0 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.16 | 0.86 | 60 | XXXXX | XXXXX | 90.430% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | 33.31 | Yes | 18.000% | $833.33 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000111968 | XXXXX | N/A | No | No | $3,371.72 | $3,371.72 | 8.625% | No | No | Permanent Resident Alien | 1 | $4,328.16 | $1,200.00 | $360.68 | $100.00 | 0.000% | 0.000% | 0.000% | 12/05/2025 | 754 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.3 | N/A | No | 8.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.1 | 0.91 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 1.18 | Broker | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000114170 | XXXXX | N/A | No | No | $3,356.23 | $3,356.23 | 7.500% | No | No | US Citizen | 1 | $3,606.12 | $2,987.64 | $300.51 | $248.97 | 0.000% | 0.000% | 0.000% | 12/02/2025 | 710 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | 3.3 | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.88 | 1.13 | XXXXX | XXXXX | 78.130% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 81.41 | Broker | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000112022 | XXXXX | N/A | No | No | $1,772.85 | $1,772.85 | 6.999% | No | No | US Citizen | 1 | $1,873.80 | $3,343.92 | $156.15 | $278.66 | 0.000% | 0.000% | 0.000% | 01/06/2026 | 733 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 6.999% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.27 | 0.79 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | Yes | 18.000% | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000112202 | XXXXX | N/A | No | No | $853.94 | $853.94 | 7.125% | No | No | US Citizen | 1 | $1,687.08 | $1,926.00 | $140.59 | $160.50 | 0.000% | 0.000% | 0.000% | 11/06/2025 | 793 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.2 | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.21 | 0.83 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 97.89 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000112218 | XXXXX | N/A | No | No | $1,104.87 | $1,104.87 | 6.375% | No | No | Non-Permanent Resident Alien | 1 | $1,851.84 | $771.96 | $154.32 | $64.33 | 0.000% | 0.000% | 0.000% | 10/27/2025 | 729 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.28 | 0.78 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 125.98 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000112213 | XXXXX | N/A | No | No | $2,000.25 | $2,000.25 | 8.250% | No | No | US Citizen | 2 | $7,611.00 | $1,683.96 | $634.25 | $140.33 | 0.000% | 0.000% | 0.000% | 12/16/2025 | 718 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | No | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.13 | 0.88 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 19.37 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000112198 | XXXXX | N/A | No | No | $1,185.13 | $1,185.13 | 6.500% | No | No | US Citizen | 1 | $6,432.00 | $2,166.00 | $536.00 | $180.50 | 0.000% | 0.000% | 0.000% | 11/11/2025 | 766 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.1 | 0.91 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 88.86 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000112000 | XXXXX | N/A | No | No | $3,513.55 | $3,513.55 | 7.500% | No | No | US Citizen | 3 | $10,423.56 | $2,717.04 | $868.63 | $226.42 | 0.000% | 0.000% | 0.000% | 01/12/2026 | 661 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.26 | 0.79 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 0.15 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000112104 | XXXXX | N/A | No | No | $5,188.78 | $5,188.78 | 6.750% | No | No | Permanent Resident Alien | 2 | $9,422.88 | $3,648.24 | $785.24 | $304.02 | 0.000% | 0.000% | 0.000% | 11/05/2025 | 797 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | XXXXX | XXXXX | 38.230% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 2.51 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000112139 | XXXXX | N/A | No | No | $1,006.50 | $1,006.50 | 6.999% | No | No | US Citizen | 1 | $2,062.56 | $762.96 | $171.88 | $63.58 | 0.000% | 0.000% | 0.000% | 10/02/2025 | 743 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.5 | N/A | No | 6.999% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.69 | 0.59 | XXXXX | XXXXX | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 35.66 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000112240 | XXXXX | N/A | No | No | $2,312.39 | $2,312.39 | 6.875% | No | No | Non-Permanent Resident Alien | 2 | $9,761.04 | $1,575.96 | $813.42 | $131.33 | 0.000% | 0.000% | 0.000% | 10/27/2025 | 737 | No | No | DSCR | 0 | 1 | 1 | No | XXXXX | $0.00 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.17 | 0.86 | XXXXX | XXXXX | 32.870% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 19.36 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 1 | 0 | 0 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000112128 | XXXXX | N/A | No | No | $6,221.45 | $6,221.45 | 7.250% | No | No | 0 | US Citizen | US Citizen | 1 | $7,235.28 | $4,842.96 | $602.94 | $403.58 | 0.000% | 0.000% | 0.000% | 12/09/2025 | 708 | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.4 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.08 | 0.92 | XXXXX | XXXXX | 0.430% | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 6.64 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000112175 | XXXXX | N/A | No | No | $2,759.10 | $2,759.10 | 6.875% | No | No | US Citizen | 1 | $3,498.60 | $1,707.00 | $291.55 | $142.25 | 0.000% | 0.000% | 0.000% | 11/24/2025 | 784 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.22 | 0.82 | XXXXX | XXXXX | 29.810% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 44.76 | Yes | 18.000% | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000114169 | XXXXX | N/A | No | No | $1,507.32 | $1,507.32 | 8.990% | No | No | US Citizen | 1 | $1,374.60 | $1,635.00 | $114.55 | $136.25 | 0.000% | 0.000% | 0.000% | 12/17/2025 | 703 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 8.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.65 | 1.53 | XXXXX | XXXXX | 4.440% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 12.34 | Retail | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000114126 | XXXXX | N/A | No | No | $10,360.13 | $10,360.13 | 7.375% | No | No | US Citizen | 1 | $14,370.48 | $5,028.96 | $1,197.54 | $419.08 | 0.000% | 0.000% | 0.000% | 01/16/2026 | 751 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.3 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.53 | 1.87 | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 10.53 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 7 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000114034 | XXXXX | N/A | No | No | $973.85 | $973.85 | 7.375% | No | No | US Citizen | 1 | $1,903.44 | $2,286.96 | $158.62 | $190.58 | 0.000% | 0.000% | 0.000% | 12/04/2025 | 693 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.99 | 1.01 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 70.95 | Yes | 18.000% | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000113990 | XXXXX | N/A | No | No | $1,280.62 | $1,280.62 | 6.625% | No | No | US Citizen | 1 | $3,555.96 | $696.96 | $296.33 | $58.08 | 0.000% | 0.000% | 0.000% | 01/21/2026 | 790 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 3.07 | 0.33 | XXXXX | XXXXX | 30.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 9.96 | Yes | 18.000% | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000114104 | XXXXX | N/A | No | No | $1,247.74 | $1,247.74 | 6.375% | No | No | US Citizen | 1 | $3,578.52 | $2,138.28 | $298.21 | $178.19 | 0.000% | 0.000% | 0.000% | 01/14/2026 | 757 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | 3.6 | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.42 | 0.7 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 4.96 | Yes | 18.000% | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000114121 | XXXXX | N/A | No | No | $4,199.40 | $4,199.40 | 8.375% | No | No | Non-Permanent Resident Alien | 1 | $10,111.32 | $1,103.04 | $842.61 | $91.92 | 0.000% | 0.000% | 0.000% | 11/10/2025 | 741 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.03 | 0.97 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 2.13 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000114047 | XXXXX | N/A | No | No | $7,964.06 | $7,964.06 | 6.500% | No | No | 0 | US Citizen | US Citizen | 1 | $8,476.44 | $2,475.96 | $706.37 | $206.33 | 0.000% | 0.000% | 0.000% | 12/15/2025 | 805 | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 3.8 | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 45.33 | Yes | 18.000% | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000114135 | XXXXX | N/A | No | No | $3,694.41 | $3,694.41 | 6.750% | No | No | US Citizen | 1 | $17,128.68 | $1,766.04 | $1,427.39 | $147.17 | 0.000% | 0.000% | 0.000% | 01/20/2026 | 793 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.14 | 0.88 | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 156.15 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000114011 | XXXXX | N/A | No | No | $1,122.97 | $1,122.97 | 6.375% | No | No | US Citizen | 1 | $3,356.76 | $1,152.96 | $279.73 | $96.08 | 0.000% | 0.000% | 0.000% | 11/04/2025 | 707 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.4 | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 0 | Yes | 18.000% | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000114083 | XXXXX | N/A | No | No | $2,311.14 | $2,311.14 | 7.999% | No | No | Non-Permanent Resident Alien | 4 | $2,488.56 | $3,439.32 | $207.38 | $286.61 | 0.000% | 0.000% | 0.000% | 11/03/2025 | 709 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 7.999% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.57 | 0.64 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 11.65 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000114164 | XXXXX | N/A | No | No | $997.85 | $997.85 | 6.999% | No | No | US Citizen | 2 | $3,077.76 | $2,523.96 | $256.48 | $210.33 | 0.000% | 0.000% | 0.000% | 10/04/2025 | 761 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | No | No | 6.999% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.78 | 0.56 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 93.92 | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000114056 | XXXXX | N/A | No | No | $2,430.25 | $2,430.25 | 7.250% | No | No | US Citizen | 1 | $7,449.96 | $2,834.04 | $620.83 | $236.17 | 0.000% | 0.000% | 0.000% | 12/22/2025 | 782 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.8 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.18 | 0.85 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 1.48 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000114111 | XXXXX | N/A | No | No | $1,703.00 | $1,703.00 | 6.999% | No | No | US Citizen | 2 | $6,008.88 | $1,520.04 | $500.74 | $126.67 | 0.000% | 0.000% | 0.000% | 01/08/2026 | 778 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 6.999% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.37 | 0.73 | XXXXX | XXXXX | 3.120% | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 8.74 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000113981 | XXXXX | N/A | No | No | $8,488.28 | $8,488.28 | 6.625% | No | No | US Citizen | 1 | $2,815.56 | $384.96 | $234.63 | $32.08 | 0.000% | 0.000% | 0.000% | 12/16/2025 | 777 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.1 | 0.91 | 240 | XXXXX | XXXXX | 70.450% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 90.55 | Yes | 18.000% | $0.00 | $0.00 | No | No | No | No | 1 | 240 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000114114 | XXXXX | N/A | No | No | $3,145.53 | $3,145.53 | 6.625% | No | No | US Citizen | 1 | $8,187.48 | $1,227.00 | $682.29 | $102.25 | 0.000% | 0.000% | 0.000% | 01/14/2026 | 776 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.8 | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.04 | 0.96 | XXXXX | XXXXX | 14.480% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 1.94 | Yes | 18.000% | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000114134 | XXXXX | N/A | No | No | $1,972.16 | $1,972.16 | 6.625% | No | No | Permanent Resident Alien | 1 | $8,152.08 | $1,993.68 | $679.34 | $166.14 | 0.000% | 0.000% | 0.000% | 01/12/2026 | 738 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.7 | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.06 | 0.94 | XXXXX | XXXXX | 34.950% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 14.51 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000114036 | XXXXX | N/A | No | No | $4,584.22 | $4,584.22 | 7.250% | No | No | US Citizen | 2 | $10,886.64 | $1,691.04 | $907.22 | $140.92 | 0.000% | 0.000% | 0.000% | 12/09/2025 | 749 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.07 | 0.94 | XXXXX | XXXXX | 5.200% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 22.87 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000114122 | XXXXX | N/A | No | No | $1,009.20 | $1,009.20 | 8.500% | No | No | Non-Permanent Resident Alien | 1 | $2,458.68 | $2,350.32 | $204.89 | $195.86 | 0.000% | 0.000% | 0.000% | 11/10/2025 | 724 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.4 | N/A | No | 8.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.1 | 0.91 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 85.81 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000114053 | XXXXX | N/A | No | No | $939.86 | $939.86 | 7.999% | No | No | 0 | Foreign National | Foreign National | 1 | $1,503.60 | $1,408.68 | $125.30 | $117.39 | 0.000% | 0.000% | 0.000% | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | 1.6 | N/A | No | 7.999% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.13 | 0.89 | XXXXX | XXXXX | 83.110% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | 45.02 | Yes | 18.000% | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000114079 | XXXXX | N/A | No | No | $1,838.47 | $1,838.47 | 7.250% | No | No | US Citizen | 2 | $386.04 | $1,224.12 | $32.17 | $102.01 | 0.000% | 0.000% | 0.000% | 11/19/2025 | 677 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.75 | 0.57 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 129.75 | Yes | 18.000% | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000114182 | XXXXX | N/A | No | No | $1,472.72 | $1,472.72 | 6.625% | No | No | US Citizen | 1 | $1,981.92 | $551.04 | $165.16 | $45.92 | 0.000% | 0.000% | 0.000% | 01/15/2026 | 778 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.5 | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 63.05 | Retail | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000114101 | XXXXX | N/A | No | No | $3,602.25 | $3,602.25 | 6.999% | No | No | Non-Permanent Resident Alien | 3 | $7,461.00 | $4,529.04 | $621.75 | $377.42 | 0.000% | 0.000% | 0.000% | 01/09/2026 | 742 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 6.999% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.3 | 0.77 | XXXXX | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 12.47 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000114021 | XXXXX | N/A | No | No | $2,586.66 | $2,586.66 | 6.875% | No | No | 0 | US Citizen | US Citizen | 1 | $3,595.32 | $1,221.48 | $299.61 | $101.79 | 0.000% | 0.000% | 0.000% | 11/13/2025 | 786 | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 5.0 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.12 | 0.9 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 2.45 | Yes | 18.000% | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000114019 | XXXXX | N/A | No | No | $2,586.66 | $2,586.66 | 6.875% | No | No | 0 | US Citizen | US Citizen | 1 | $4,698.96 | $1,221.48 | $391.58 | $101.79 | 0.000% | 0.000% | 0.000% | 11/13/2025 | 786 | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.5 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.9 | 1.11 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 2.23 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000113993 | XXXXX | N/A | No | No | $4,574.55 | $4,574.55 | 7.125% | No | No | US Citizen | 1 | $5,955.24 | $2,328.12 | $496.27 | $194.01 | 0.000% | 0.000% | 0.000% | 10/20/2025 | 747 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.4 | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.75 | 1.33 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 2.58 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 7 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000114129 | XXXXX | N/A | No | No | $2,750.53 | $2,750.53 | 7.250% | No | No | Non-Permanent Resident Alien | 1 | $5,147.52 | $1,554.00 | $428.96 | $129.50 | 0.000% | 0.000% | 0.000% | 01/20/2026 | 737 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.8 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.3 | 0.77 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 9.11 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 5 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000114139 | XXXXX | N/A | No | No | $1,217.75 | $1,217.75 | 7.125% | No | No | US Citizen | 1 | $3,018.00 | $2,439.00 | $251.50 | $203.25 | 0.000% | 0.000% | 0.000% | 01/21/2026 | 685 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.4 | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.11 | 0.9 | XXXXX | XXXXX | 54.170% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 58.83 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000114076 | XXXXX | N/A | No | No | $4,787.36 | $4,787.36 | 7.999% | No | No | US Citizen | 3 | $22,025.40 | $3,221.04 | $1,835.45 | $268.42 | 0.000% | 0.000% | 0.000% | 01/07/2026 | 722 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 7.999% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.15 | 0.87 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 19.08 | Yes | 18.000% | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000114055 | XXXXX | N/A | No | No | $2,927.04 | $2,927.04 | 6.999% | No | No | US Citizen | 1 | $10,332.12 | $830.04 | $861.01 | $69.17 | 0.000% | 0.000% | 0.000% | 12/23/2025 | 766 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 6.999% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.09 | 0.92 | XXXXX | XXXXX | 3.770% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 33.19 | Yes | 18.000% | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000114038 | XXXXX | N/A | No | No | $859.69 | $859.69 | 7.750% | No | No | US Citizen | 1 | $1,515.12 | $1,169.16 | $126.26 | $97.43 | 0.000% | 0.000% | 0.000% | 12/11/2025 | 745 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.4 | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.17 | 0.86 | XXXXX | No | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 1.67 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000114136 | XXXXX | N/A | No | No | $1,382.18 | $1,382.18 | 6.875% | No | No | US Citizen | 1 | $1,220.04 | $1,487.04 | $101.67 | $123.92 | 0.000% | 0.000% | 0.000% | 01/21/2026 | 737 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.12 | 0.89 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 12.87 | Yes | 18.000% | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000114081 | XXXXX | N/A | No | No | $1,086.90 | $1,086.90 | 8.375% | No | No | US Citizen | US Citizen | 1 | $4,469.04 | $2,582.40 | $372.42 | $215.20 | 0.000% | 0.000% | 0.000% | 01/08/2026 | 667 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.03 | 0.97 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 74.81 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000114118 | XXXXX | N/A | No | No | $2,622.05 | $2,622.05 | 7.500% | No | No | US Citizen | 1 | $9,189.72 | $1,802.40 | $765.81 | $150.20 | 0.000% | 0.000% | 0.000% | 12/05/2025 | 764 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 3.1 | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.89 | 1.12 | XXXXX | XXXXX | 3.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 1.29 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000114144 | XXXXX | N/A | No | No | $1,862.34 | $1,862.34 | 7.250% | No | No | US Citizen | 1 | $5,519.88 | $338.04 | $459.99 | $28.17 | 0.000% | 0.000% | 0.000% | 12/16/2025 | 675 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | XXXXX | No | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 45.13 | Yes | 18.000% | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000114140 | XXXXX | N/A | No | No | $1,231.43 | $1,231.43 | 6.250% | No | No | US Citizen | 1 | $3,773.04 | $2,399.04 | $314.42 | $199.92 | 0.000% | 0.000% | 0.000% | 10/20/2025 | 800 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.37 | 0.73 | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 0.48 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000114099 | XXXXX | N/A | No | No | $1,933.89 | $1,933.89 | 7.375% | No | No | US Citizen | 1 | $3,755.88 | $1,239.96 | $312.99 | $103.33 | 0.000% | 0.000% | 0.000% | 11/20/2025 | 808 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.8 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.19 | 0.84 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 16.34 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000114067 | XXXXX | N/A | No | No | $3,201.55 | $3,201.55 | 6.625% | No | No | US Citizen | 1 | $4,275.24 | $4,758.96 | $356.27 | $396.58 | 0.000% | 0.000% | 0.000% | 01/05/2026 | 709 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.1 | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.52 | 0.66 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 46.99 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000114068 | XXXXX | N/A | No | No | $994.78 | $994.78 | 8.500% | No | No | US Citizen | 2 | $2,085.84 | $2,325.96 | $173.82 | $193.83 | 0.000% | 0.000% | 0.000% | 11/03/2025 | 728 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 8.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.32 | 0.76 | XXXXX | Yes | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 83.51 | Yes | 18.000% | $0.00 | $0.00 | No | No | No | No | 4 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000114131 | XXXXX | N/A | No | No | $1,559.67 | $1,559.67 | 6.375% | No | No | US Citizen | 1 | $4,546.68 | $488.04 | $378.89 | $40.67 | 0.000% | 0.000% | 0.000% | 10/30/2025 | 725 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 3.6 | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.64 | 0.61 | XXXXX | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 109.78 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000114051 | XXXXX | N/A | No | No | $1,179.92 | $1,179.92 | 7.500% | No | No | US Citizen | 1 | $899.40 | $699.00 | $74.95 | $58.25 | 0.000% | 0.000% | 0.000% | 12/12/2025 | 700 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.9 | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.87 | 0.54 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 57.64 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000114137 | XXXXX | N/A | No | No | $1,914.55 | $1,914.55 | 7.375% | No | No | Permanent Resident Alien | 1 | $1,554.24 | $1,848.96 | $129.52 | $154.08 | 0.000% | 0.000% | 0.000% | 01/07/2026 | 678 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.09 | 0.92 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | Yes | 18.000% | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000114103 | XXXXX | N/A | No | No | $1,516.96 | $1,516.96 | 6.500% | No | No | US Citizen | 1 | $1,494.00 | $1,061.04 | $124.50 | $88.42 | 0.000% | 0.000% | 0.000% | 01/12/2026 | 801 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.04 | 0.96 | XXXXX | XXXXX | 18.840% | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 46.84 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000114100 | XXXXX | N/A | No | No | $1,918.62 | $1,918.62 | 7.250% | No | No | US Citizen | 1 | $3,755.88 | $1,239.96 | $312.99 | $103.33 | 0.000% | 0.000% | 0.000% | 11/20/2025 | 808 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.8 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.2 | 0.83 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 63.36 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000114004 | XXXXX | N/A | No | No | $1,351.05 | $1,351.05 | 6.500% | No | No | US Citizen | 1 | $5,079.96 | $1,076.88 | $423.33 | $89.74 | 0.000% | 0.000% | 0.000% | 11/04/2025 | 707 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.16 | 0.86 | XXXXX | XXXXX | 52.640% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 32.38 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120862 | XXXXX | N/A | No | No | $10,481.01 | $10,481.01 | 6.375% | No | No | US Citizen | 3 | $33,789.84 | $6,078.36 | $2,815.82 | $506.53 | 0.000% | 0.000% | 0.000% | 02/26/2026 | 787 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.07 | 0.93 | XXXXX | XXXXX | 45.760% | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 8.67 | Yes | 20.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121597 | XXXXX | Non QM | Yes | No | $2,565.00 | $7,041.72 | 6.390% | $14,804.32 | $14,804.32 | 6.375% | No | No | Self-Employed | Permanent Resident Alien | $24,214.55 | 1 | $45,382.80 | $2,975.76 | $3,781.90 | $247.98 | 44.427% | 44.427% | 44.427% | 02/11/2026 | 796 | No | Yes | 12 | Business | 100.000% | 85.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 85.00% | Expense
Ratio: 28.60000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 85.00% | Expense Ratio: 28.60000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 85.00% | Expense Ratio: 28.60000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $2,565.00 | 6.020% | $0.00 | 1.0 | None | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | No | 4.81 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120783 | XXXXX | Non QM | Yes | No | $10,845.00 | $13,228.07 | 6.632% | $5,309.37 | $5,309.37 | 6.500% | No | No | Employed | US Citizen | $8,567.56 | 1 | $18,135.48 | $1,341.36 | $1,511.29 | $111.78 | 44.725% | 44.725% | 44.725% | 02/17/2026 | 793 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $10,845.00 | 6.020% | $0.00 | 1.0 | None | No | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 3.050% | No | 25 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 1.56 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120942 | XXXXX | N/A | No | No | $2,040.95 | $2,040.95 | 7.375% | No | No | US Citizen | 2 | $6,540.36 | $2,802.72 | $545.03 | $233.56 | 0.000% | 0.000% | 0.000% | 01/27/2026 | 758 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.17 | 0.85 | XXXXX | XXXXX | 88.700% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 85.1 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120282 | XXXXX | Non QM | Yes | No | $7,152.70 | $8,728.14 | 6.507% | $3,556.06 | $3,556.06 | 6.375% | No | No | Not Employed | Self-Employed | US Citizen | US Citizen | $15,118.97 | 1 | $6,269.28 | $2,172.00 | $522.44 | $181.00 | 46.165% | 46.165% | 46.165% | 02/11/2026 | 751 | No | No | [Coborrower(s) - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; Other - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; Other - 2023 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $7,152.70 | 5.980% | $0.00 | None | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | No | No | $28,084.08 | $0.00 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000115444 | XXXXX | N/A | No | No | $2,676.40 | $2,676.40 | 6.375% | No | No | US Citizen | 1 | $3,439.08 | $1,697.04 | $286.59 | $141.42 | 0.000% | 0.000% | 0.000% | 01/28/2026 | 804 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.9 | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | XXXXX | XXXXX | 73.440% | No | Yes | Commitment | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 57.69 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121028 | XXXXX | N/A | No | No | $39,331.25 | $9,509.56 | 6.820% | $6,972.43 | $6,972.43 | 6.750% | No | No | Self-Employed | US Citizen | $39,588.20 | 1 | $19,275.00 | $2,268.96 | $1,606.25 | $189.08 | 45.889% | 45.889% | 45.889% | 02/27/2026 | 772 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $39,331.25 | 6.020% | $0.00 | None | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 13.00 | No | XXXXX | XXXXX | 39.310% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 26.76 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116766 | XXXXX | N/A | No | No | $8,754.31 | $8,754.31 | 7.375% | No | No | US Citizen | 1 | $12,686.40 | $1,839.96 | $1,057.20 | $153.33 | 0.000% | 0.000% | 0.000% | 02/11/2026 | 757 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.6 | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.9 | 1.11 | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 416.47 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118695 | XXXXX | N/A | No | No | $6,599.80 | $6,599.80 | 7.000% | No | No | US Citizen | 1 | $8,649.00 | $4,793.04 | $720.75 | $399.42 | 0.000% | 0.000% | 0.000% | 02/25/2026 | 804 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | No | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.97 | 1.03 | XXXXX | XXXXX | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 229.41 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118224 | XXXXX | Non QM | Yes | No | $6,018.87 | $8,887.23 | 7.060% | $1,267.18 | $1,267.18 | 6.625% | No | No | Self-Employed | US Citizen | $2,880.31 | 1 | $2,122.20 | $3,834.36 | $176.85 | $319.53 | 46.661% | 46.661% | 46.661% | 02/09/2026 | 816 | No | No | [Borrower - |
Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2024 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr 1099 | 0 | 0 | 0 | No | XXXXX | $6,018.87 | 5.990% | $60,000.00 | 1.0 | None | No | No | 6.625% | 0 | 0 | 0 | 4 | 0 | No | XXXXX | XXXXX | 22.370% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 24.91 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000524 | XXXXX | Non QM | Yes | No | $5,095.00 | $9,937.21 | 6.502% | $4,367.09 | $4,367.09 | 6.375% | No | No | Self-Employed | US Citizen | $12,711.68 | 1 | $16,409.88 | $2,553.72 | $1,367.49 | $212.81 | 42.841% | 42.841% | 42.841% | 03/20/2026 | 811 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $5,095.00 | 6.020% | $2,000.00 | 1.0 | None | Yes | No | 6.375% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 14.020% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 19.64 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119713 | XXXXX | Non QM | Yes | No | $13,055.00 | $16,199.24 | 7.468% | $3,094.79 | $3,094.79 | 7.125% | No | No | Self-Employed | Self-Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | XXX | XXX | $9,210.12 | 1 | $7,705.08 | $2,152.08 | $642.09 | $179.34 | 34.351% | 34.351% | 34.351% | 03/09/2026 | 754 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; Other - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $13,055.00 | 5.980% | $20,500.00 | None | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | XXXXX | 25.310% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Employment Authorization | Employment Authorization | 9 | No | $7,014.67 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000106585 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $11,220.00 | $12,845.78 | 7.596% | $2,387.62 | $2,387.62 | 7.250% | No | No | Self-Employed | US Citizen | $4,778.59 | 1 | $4,205.28 | $1,038.96 | $350.44 | $86.58 | 40.714% | 40.714% | 40.714% | 01/08/2026 | 731 | No | Yes | 12 | Business | 100.000% | 100.000% | Borrower Prepared | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 45.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements
Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 45.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 45.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Borrower-prepared P&L - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 45.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 45.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 45.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 45.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXXX | $11,220.00 | 6.260% | $0.00 | 1.0 | None | N/A | No | 7.250% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 90.13 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000114006 | XXXXX | N/A | No | No | $3,223.55 | $3,223.55 | 6.500% | No | No | Non-Permanent Resident Alien | 1 | $6,154.68 | $1,377.00 | $512.89 | $114.75 | 0.000% | 0.000% | 0.000% | 10/31/2025 | 724 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | 1.1 | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.36 | 0.73 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 112.91 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000114015 | XXXXX | N/A | No | No | $964.34 | $964.34 | 7.875% | No | No | Non-Permanent Resident Alien | 1 | $2,867.52 | $1,395.24 | $238.96 | $116.27 | 0.000% | 0.000% | 0.000% | 09/23/2025 | 743 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.14 | 0.88 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 95.88 | Yes | 18.000% | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000114033 | XXXXX | N/A | No | No | $6,823.83 | $6,823.83 | 7.750% | No | No | US Citizen | 1 | $5,193.96 | $8,202.00 | $432.83 | $683.50 | 0.000% | 0.000% | 0.000% | 11/25/2025 | 668 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 5.0 | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | XXXXX | XXXXX | 30.440% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 6.82 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000114172 | XXXXX | N/A | No | No | $3,037.64 | $3,037.64 | 6.625% | No | No | Foreign National | 1 | $15,640.20 | $1,679.64 | $1,303.35 | $139.97 | 0.000% | 0.000% | 0.000% | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | 3.5 | No | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.02 | 0.5 | XXXXX | XXXXX | 43.640% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | 0 | Broker | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000114167 | XXXXX | N/A | No | No | $1,313.41 | $1,313.41 | 6.750% | No | No | 0 | US Citizen | US Citizen | 1 | $3,228.36 | $848.04 | $269.03 | $70.67 | 0.000% | 0.000% | 0.000% | 12/19/2025 | 744 | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | 1.5 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.51 | 0.66 | XXXXX | No | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 116.23 | Broker | Yes | 35.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000114017 | XXXXX | N/A | No | No | $1,350.71 | $1,350.71 | 7.250% | No | No | Non-Permanent Resident Alien | Non-Permanent Resident Alien | 1 | $3,252.96 | $1,154.04 | $271.08 | $96.17 | 0.000% | 0.000% | 0.000% | 11/19/2025 | 806 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.6 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.04 | 0.96 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 24.38 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000114165 | XXXXX | N/A | No | No | $1,884.09 | $1,884.09 | 6.250% | No | No | 0 | US Citizen | 1 | $4,381.44 | $6,018.00 | $365.12 | $501.50 | 0.000% | 0.000% | 0.000% | 11/17/2025 | 795 | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.3 | Yes | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.04 | 0.97 | XXXXX | XXXXX | 20.800% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 27.12 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000114149 | XXXXX | N/A | No | No | $7,503.94 | $7,503.94 | 7.250% | No | No | US Citizen | 2 | $1,206.00 | $2,808.00 | $100.50 | $234.00 | 0.000% | 0.000% | 0.000% | 11/18/2025 | 703 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.19 | 0.84 | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 29.63 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000114181 | XXXXX | N/A | No | No | $1,330.24 | $1,330.24 | 7.250% | No | No | US Citizen | US Citizen | 1 | $1,171.56 | $1,726.68 | $97.63 | $143.89 | 0.000% | 0.000% | 0.000% | 01/29/2026 | 788 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.08 | 0.92 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 117.2 | Retail | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000114173 | XXXXX | N/A | No | No | $3,289.34 | $3,289.34 | 7.375% | No | No | US Citizen | 1 | $15,009.36 | $2,625.96 | $1,250.78 | $218.83 | 0.000% | 0.000% | 0.000% | 12/22/2025 | 725 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.5 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.87 | 1.15 | XXXXX | XXXXX | 13.360% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 7.65 | Retail | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000114014 | XXXXX | N/A | No | No | $9,402.91 | $9,402.91 | 7.750% | No | No | US Citizen | 1 | $23,772.48 | $4,113.00 | $1,981.04 | $342.75 | 0.000% | 0.000% | 0.000% | 01/07/2026 | 708 | No | No | DSCR | 3 | 3 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.85 | 1.17 | XXXXX | XXXXX | 92.440% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 92.56 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 3 | 3 | 0 | 0 | 0 | 2 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000114009 | XXXXX | N/A | No | No | $1,342.82 | $1,342.82 | 6.125% | No | No | US Citizen | 1 | $2,071.08 | $1,667.04 | $172.59 | $138.92 | 0.000% | 0.000% | 0.000% | 11/11/2025 | 765 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 6.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.51 | 0.66 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 2.31 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 5 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000114008 | XXXXX | N/A | No | No | $10,488.22 | $10,488.22 | 7.500% | No | No | Permanent Resident Alien | 1 | $16,080.00 | $2,896.32 | $1,340.00 | $241.36 | 0.000% | 0.000% | 0.000% | 11/09/2025 | 759 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.81 | 1.24 | XXXXX | XXXXX | 48.880% | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 23.33 | Yes | 18.000% | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000114024 | XXXXX | N/A | No | No | $1,349.99 | $1,349.99 | 6.875% | No | No | US Citizen | 1 | $3,182.16 | $818.04 | $265.18 | $68.17 | 0.000% | 0.000% | 0.000% | 11/06/2025 | 697 | No | No | DSCR | Chapter 7 | 1 | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.2 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.63 | 0.61 | XXXXX | XXXXX | 37.940% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 6.81 | Yes | 18.000% | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000114141 | XXXXX | N/A | No | No | $1,156.19 | $1,156.19 | 6.875% | No | No | US Citizen | 3 | $3,193.80 | $1,581.36 | $266.15 | $131.78 | 0.000% | 0.000% | 0.000% | 01/15/2026 | 732 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.74 | 0.58 | XXXXX | XXXXX | 0.450% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 6.73 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000114074 | XXXXX | N/A | No | No | $1,582.58 | $1,582.58 | 6.750% | No | No | Permanent Resident Alien | 1 | $3,513.00 | $3,770.04 | $292.75 | $314.17 | 0.000% | 0.000% | 0.000% | 01/28/2026 | 790 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.05 | 0.95 | XXXXX | XXXXX | 10.520% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 9.13 | Yes | 18.000% | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000114085 | XXXXX | N/A | No | No | $1,936.94 | $1,936.94 | 7.750% | No | No | Non-Permanent Resident Alien | 4 | $3,234.00 | $3,675.96 | $269.50 | $306.33 | 0.000% | 0.000% | 0.000% | 11/03/2025 | 709 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.42 | 0.7 | XXXXX | XXXXX | 38.700% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 0.63 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000114088 | XXXXX | N/A | No | No | $3,985.52 | $3,985.52 | 7.500% | No | No | US Citizen | 1 | $5,757.00 | $1,968.00 | $479.75 | $164.00 | 0.000% | 0.000% | 0.000% | 01/08/2026 | 762 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.08 | 0.93 | XXXXX | XXXXX | 26.260% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 0.04 | Yes | 18.000% | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000114109 | XXXXX | N/A | No | No | $3,700.81 | $3,700.81 | 7.250% | No | No | Permanent Resident Alien | 1 | $9,983.28 | $1,722.00 | $831.94 | $143.50 | 0.000% | 0.000% | 0.000% | 02/06/2026 | 808 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 4.8 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.05 | 0.95 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 108.76 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000113994 | XXXXX | N/A | No | No | $15,950.00 | $15,950.00 | 7.250% | No | No | Non-Employment Income | US Citizen | 1 | $56,256.84 | $19,157.04 | $4,688.07 | $1,596.42 | 0.000% | 0.000% | 0.000% | 10/20/2025 | 778 | Yes | No | [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 4.8 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.67 | 1.48 | 60 | 240 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 79.12 | Yes | 18.000% | $0.00 | $0.00 | No | No | No | No | 1 | 240 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000114058 | XXXXX | N/A | No | No | $1,655.46 | $1,655.46 | 6.875% | No | No | US Citizen | 1 | $2,496.48 | $558.96 | $208.04 | $46.58 | 0.000% | 0.000% | 0.000% | 01/20/2026 | 731 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 4.4 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.31 | 0.76 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 0.89 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000114096 | XXXXX | N/A | No | No | $3,767.68 | $3,767.68 | 8.500% | No | No | US Citizen | 1 | $5,447.88 | $9,892.32 | $453.99 | $824.36 | 0.000% | 0.000% | 0.000% | 01/05/2026 | 716 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.6 | N/A | No | 8.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.63 | 1.58 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 91.89 | Yes | 18.000% | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000114002 | XXXXX | N/A | No | No | $759.11 | $759.11 | 7.625% | No | No | 0 | Non-Permanent Resident Alien | Non-Permanent Resident Alien | 1 | $2,381.76 | $2,081.40 | $198.48 | $173.45 | 0.000% | 0.000% | 0.000% | 10/30/2025 | 765 | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.1 | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.07 | 0.93 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 81.64 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000114072 | XXXXX | N/A | No | No | $1,848.91 | $1,848.91 | 7.999% | No | No | US Citizen | 2 | $5,424.60 | $2,622.96 | $452.05 | $218.58 | 0.000% | 0.000% | 0.000% | 12/19/2025 | 667 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 7.999% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.19 | 0.84 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 92.91 | Yes | 18.000% | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000114023 | XXXXX | N/A | No | No | $6,234.38 | $6,234.38 | 7.125% | No | No | US Citizen | 1 | $10,714.92 | $336.96 | $892.91 | $28.08 | 0.000% | 0.000% | 0.000% | 01/12/2026 | 734 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.0 | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | 240 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 26.11 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000114146 | XXXXX | N/A | No | No | $1,556.92 | $1,556.92 | 6.875% | No | No | 0 | US Citizen | US Citizen | 1 | $2,351.88 | $771.00 | $195.99 | $64.25 | 0.000% | 0.000% | 0.000% | 01/23/2026 | 762 | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.2 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.38 | 0.73 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 27.71 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000114043 | XXXXX | N/A | No | No | $1,022.60 | $1,022.60 | 7.500% | No | No | US Citizen | 1 | $2,798.64 | $1,548.00 | $233.22 | $129.00 | 0.000% | 0.000% | 0.000% | 12/11/2025 | 684 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.8 | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.16 | 0.87 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 24.87 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000114153 | XXXXX | N/A | No | No | $895.52 | $895.52 | 7.750% | No | No | Non-Permanent Resident Alien | 2 | $3,276.00 | $2,154.60 | $273.00 | $179.55 | 0.000% | 0.000% | 0.000% | 01/14/2026 | 703 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | Yes | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.63 | 0.61 | XXXXX | XXXXX | 43.600% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 28.97 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000114151 | XXXXX | N/A | No | No | $3,453.52 | $3,453.52 | 7.250% | No | No | US Citizen | 1 | $4,971.00 | $2,225.04 | $414.25 | $185.42 | 0.000% | 0.000% | 0.000% | 01/22/2026 | 742 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.11 | 0.9 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 51.41 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000114159 | XXXXX | N/A | No | No | $3,392.94 | $3,392.94 | 7.375% | No | No | US Citizen | 1 | $8,187.48 | $2,226.96 | $682.29 | $185.58 | 0.000% | 0.000% | 0.000% | 01/08/2026 | 700 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | 1.0 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.89 | 1.13 | XXXXX | XXXXX | 16.940% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 5.35 | Yes | 18.000% | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000114155 | XXXXX | N/A | No | No | $1,224.03 | $1,224.03 | 6.999% | No | No | 0 | US Citizen | US Citizen | 1 | $1,600.20 | $942.00 | $133.35 | $78.50 | 0.000% | 0.000% | 0.000% | 11/10/2025 | 776 | 775 | 784 | 776 | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 3.3 | N/A | No | 6.999% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.22 | 0.82 | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Trust | Business Entity | Individual | Individual | Individually and as Trustee | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 169.43 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000114154 | XXXXX | N/A | No | No | $3,372.71 | $3,372.71 | 6.750% | No | No | US Citizen | 1 | $6,718.68 | $1,172.04 | $559.89 | $97.67 | 0.000% | 0.000% | 0.000% | 01/13/2026 | 791 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.1 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.02 | 0.98 | XXXXX | XXXXX | 3.070% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 0.82 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000114152 | XXXXX | N/A | No | No | $3,843.93 | $3,843.93 | 7.500% | No | No | US Citizen | 1 | $9,249.96 | $1,254.96 | $770.83 | $104.58 | 0.000% | 0.000% | 0.000% | 12/16/2025 | 701 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.83 | 1.21 | XXXXX | XXXXX | 4.140% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 2.95 | Yes | 18.000% | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000114179 | XXXXX | Non QM | Yes | No | $8,565.00 | $9,640.50 | 7.912% | $4,298.47 | $4,298.47 | 7.750% | No | No | Self-Employed | US Citizen | $11,258.78 | 1 | $4,964.52 | $2,163.00 | $413.71 | $180.25 | 34.509% | 34.509% | 34.509% | 12/12/2025 | 729 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | XXXXX | $8,565.00 | 6.060% | $0.00 | None | Yes | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 43.57 | Retail | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000114041 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $18,745.00 | $24,376.25 | 6.986% | $5,594.16 | $5,594.16 | 6.750% | No | No | Self-Employed | Foreign National | XXX | $40,587.94 | 1 | $18,843.36 | $3,332.04 | $1,570.28 | $277.67 | 15.495% | 15.495% | 15.495% | No | No | Third Party Prepared (Unaudited) | [Borrower - |
Primary Income - Sole Proprietor]; CPA Letter - 2026 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | XXXXX | $18,745.00 | 6.140% | $39,001.60 | 2.0 | None | N/A | No | 6.750% | 0 | 0 | 0 | 3 | 0 | 12.97 | No | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Passport, VISA | 12.6 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000114046 | XXXXX | N/A | Yes | No | No | $35,945.00 | $43,936.29 | 7.996% | $7,785.73 | $7,785.73 | 7.625% | No | No | Not Employed | Self-Employed | US Citizen | $68,287.04 | 3 | $11,829.60 | $4,128.00 | $985.80 | $344.00 | 35.532% | 35.532% | 35.532% | 12/29/2025 | 715 | No | No | [Coborrower(s) - |
Primary Income - P&L Statement Only]; Business License - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; P&L Statement - 2025 |
Alternative Documentation (A) | 1yr P&L w/o Bank Statements | 0 | 0 | 0 | XXXXX | $35,945.00 | 6.140% | $0.00 | None | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 0.360% | No | Yes | Final | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 69.15 | No | No | $105,924.16 | $0.00 | No | No | No | No | 4 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000114105 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $8,680.00 | $10,131.43 | 7.131% | $2,327.17 | $2,327.17 | 6.875% | No | No | Self-Employed | US Citizen | $16,493.71 | 1 | $6,063.72 | $5,489.04 | $505.31 | $457.42 | 41.282% | 41.282% | 41.282% | 01/06/2026 | 766 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 1yr P&L w/o Bank Statements | 0 | 0 | 0 | XXXXX | $8,680.00 | 6.060% | $0.00 | 2.4 | None | N/A | No | 6.875% | 0 | 0 | 0 | 3 | 0 | 12.00 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 103.07 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000114064 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $13,269.22 | $16,292.17 | 7.999% | $4,460.56 | $4,460.56 | 7.750% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $42,184.73 | 1 | $8,920.20 | $7,323.24 | $743.35 | $610.27 | 39.987% | 39.987% | 39.987% | 12/03/2025 | 765 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2026 [Borrower - | Non-Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; Other - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Coborrower(s) - | Non-Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Non-Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Alternative Documentation (A) | 1yr P&L w/o Bank Statements | 0 | 0 | 0 | XXXXX | $13,269.22 | 6.140% | $750.00 | 1.0 | None | N/A | No | 7.750% | 2 | 1 | 0 | 0 | 3 | 0 | 12.00 | No | XXXXX | XXXXX | 56.740% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 44.65 | No | No | $12,854.03 | $4,183.41 | No | No | No | No | 9 | 360 |