Exhibit 99.04 Schedule 1

 

Loan ID Seller Loan ID Investor Loan ID Loan Program Guideline Product Name Originator Name Originating Entity CDFI Flag Guideline Name Guideline Author Guideline Date Guideline Version Application Date TILA Status TRID GSE Verified Safe Harbor Flag Verified Safe Harbor Reference Document QM Regulation Failures ATR QM Total Points and Fees Audit Loan Regulation Benchmark Date Benchmark Rate AUS Decision System Rating Result Property Inspection Waiver (PIW) Calculated APR HUD 1 Page 1 Credits Total Verified Qualifying Rate Originator Qualifying Rate Qualifying P&I Default Interest Rate Present Default Interest Rate Annual Property Tax Monthly Property Tax Annual Insurance Costs Monthly Insurance Cost Annual HOA Costs Monthly HOA Costs Monthly Other Costs PITIA Residual Income HOA Questionnaire Flag HOA Name HOA Address State HOA Fee Amount HOA Next Due Date HOA Payment Frequency Originator DTI TPR Verified DTI QM DTI Is Borrower Non Occupant Is Co Borrower Non Occupant Co Borrower 2 Asset Verification Level Co Borrower 3 Asset Verification Level Co Borrower 2 Income Verification Level Co Borrower 3 Income Verification Level Co Borrower 2 Employment Verification Level Co Borrower 3 Employment Verification Level Borrower Employment Indicator Co Borrower Employment Indicator Co Borrower 2 Employment Indicator Co Borrower 3 Employment Indicator Co Borrower 2 Length of Employment Co Borrower 3 Length of Employment Document Level Borrower Years of W2s/1099 CoBorrower Years of W2s/1099 Borrower Months of Paystubs Verified Co Borrower Months of Paystubs Verified Borrower Employment Gap Letter Borrower Months of Employment Gap Co Borrower Employment Gap Letter Co Borrower Months of Employment Gap Borrower Years of Personal Tax Returns Borrower Years of Business Tax Returns CoBorrower Years of Personal Tax Returns CoBorrower Years of Business Tax Returns Years of 4506T Years of Tax Transcripts Borrower Award/Offer Letter Co Borrower Award/Offer Letter Asset Depletion Flag Partial Asset Depletion Flag Asset Depletion Months Amortized Asset Utilization Flag (No DTI) Borrower Bank Statements Flag Borrower Bank Statement Summary/Lender Worksheet Borrower Number of Personal Bank Statements Borrower Number of Business Bank Statements CoBorrower Bank Statements Flag Co Borrower Bank Statement Summary/Lender Worksheet CoBorrower Number of Personal Bank Statements CoBorrower Number of Business Bank Statements Percent of Income From Statements Borrower Business Ownership % CoBorrower Business Ownership % Bespoke Eligible Assets Borrower P&L Type Borrower Number of Months P&L Borrower P&L Prepared By CoBorrower P&L Type CoBorrower P&L Prepared By CoBorrower Number of Months P&L Borrower CPA Letter Flag # of Months CPA verified income CoBorrower CPA Letter Flag CoBorrower # of Months CPA verified income Borrower WVOE Flag Borrower # of Months Employment Validated WVOE Borrower # of Months Income Validated WVOE Borrower WVOE Form Type CoBorrower WVOE Flag CoBorrower # of Months WVOE CoBorrower # of Months Income Validated WVOE CoBorrower WVOE Form Type DSCR Flag TPR DSCR Originator DSCR Expense Letter Income Doc Detail Tax Return Doc Details Property Address Property City Property State Property Zip Property County Original Credit Report Date Borrower 1 Credit Report Date Borrower 2 Credit Report Date Borrower 3 Credit Report Date Borrower 4 Credit Report Date Qualifying Credit Score Third Wage Earner Original FICO Equifax Third Wage Earner Original FICO Experian Third Wage Earner Original FICO Transunion Fourth Wage Earner Original FICO Equifax Fourth Wage Earner Original FICO Experian Fourth Wage Earner Original FICO Transunion Most Recent Co Borrower 2 FICO Most Recent Co Borrower 3 FICO Updated Credit Report Flag Updated Credit Report Date Updated FICO Method Primary Wage Earner Updated FICO Equifax Primary Wage Earner Updated FICO Experian Primary Wage Earner Updated FICO Transunion Secondary Wage Earner Updated FICO Equifax Secondary Wage Earner Updated FICO Experian Secondary Wage Earner Updated FICO Transunion Third Wage Earner Updated FICO Equifax Third Wage Earner Updated FICO Experian Third Wage Earner Updated FICO Transunion Fourth Wage Earner Updated FICO Equifax Fourth Wage Earner Updated FICO Experian Fourth Wage Earner Updated FICO Transunion Updated Primary Borrower FICO Updated Co Borrower FICO Updated Co Borrower 2 FICO Updated Co Borrower 3 FICO Updated Qualifying FICO Most Recent Bankruptcy Type Most Recent Bankruptcy Filing Date Most Recent Bankruptcy Discharge Date Number of Bankruptcy Events Months Bankruptcy 7 11 Months Bankruptcy 13 Most Recent Deed in Lieu Date Number of Deed in Lieu Events Months Deed in Lieu Most Recent Short Sale Date Number of Short Sale Events Months Short Sale (or Pre FC) Most Recent Foreclosure Date Number of Foreclosure Events Months Foreclosure Prior Mortgage/Rent Lates 30d in 0-12m Prior Mortgage/Rent Lates 60d in 0-12m Prior Mortgage/Rent Lates 90d in 0-12m Prior Mortgage/Rent Lates 120d+ in 0-12m Prior Mortgage/Rent Lates 30d in 13-24m Prior Mortgage/Rent Lates 60d in 13-24m Prior Mortgage/Rent Lates 90d in 13-24m Prior Mortgage/Rent Lates 120d+ in 13-24m Prior Mortgage/Rent Late 30d in 24m Prior Mortgage/Rent Late 60d in 24m Prior Mortgage/Rent Late 90d in 24m Has ACH Is Equity Shared Loan Subordinate Lien Type Subordinate Lien Max Draw Amount (HELOC) Subordinate Lien 2 Type Subordinate Lien 2 Max Draw Amount (HELOC) Subordinate Lien 3 Type Subordinate Lien 3 Max Draw Amount (HELOC) Is Shared Appreciation Mortgage Borrower Originator Citizenship Designation Borrower Verified Citizenship Designation Borrower Individual Tax Identification Number (ITIN)? Borrower Photo Identification Type Borrower Photo Identification Other Type Borrower Photo ID State of Issuance Borrower Photo ID Country of Issuance Borrower Photo ID Expiration Date Borrower Passport Country of Origin Borrower Passport Expiration Date Borrower Non-US Citizen Identification Document Borrower Date of Resident Since/Valid Date Borrower Non-US Document Expiration Date Co Borrower Originator Citizenship Designation Co Borrower Verified Citizenship Designation Co Borrower Individual Tax Identification Number (ITIN)? Co Borrower Photo Identification Type Co Borrower Photo Identification Other Type Co Borrower Photo ID State of Issuance Co Borrower Photo ID Country of Issuance Co Borrower Photo ID Expiration Date Co Borrower Passport Country of Origin Co Borrower Passport Expiration Date Co Borrower Non-US Citizen Identification Document Co Borrower Date of Resident Since/Valid Date Co Borrower Non-US Document Expiration Date Co Borrower 2 Originator Citizenship Designation Co Borrower 2 Verified Citizenship Designation Co Borrower 2 Individual Tax Identification Number (ITIN)? Co Borrower 2 Photo Identification Type Co Borrower 2 Photo Identification Other Type Co Borrower 2 Photo ID State of Issuance Co Borrower 2 Photo ID Country of Issuance Co Borrower 2 Photo ID Expiration Date Co Borrower 2 Passport Country of Origin Co Borrower 2 Passport Expiration Date Co Borrower 2 Non-US Citizen Identification Document Co Borrower 2 Date of Resident Since/Valid Date Co Borrower 2 Non-US Document Expiration Date Co Borrower 3 Originator Citizenship Designation Co Borrower 3 Verified Citizenship Designation Co Borrower 3 Individual Tax Identification Number (ITIN)? Co Borrower 3 Photo Identification Type Co Borrower 3 Photo Identification Other Type Co Borrower 3 Photo ID State of Issuance Co Borrower 3 Photo ID Country of Issuance Co Borrower 3 Photo ID Expiration Date Co Borrower 3 Passport Country of Origin Co Borrower 3 Passport Expiration Date Co Borrower 3 Non-US Citizen Identification Document Co Borrower 3 Date of Resident Since/Valid Date Co Borrower 3 Non-US Document Expiration Date Property Rights Leasehold Lease Expiration Date Buydown Flag Assumable Mortgage Flag Foreign National Alternative Credit Documentation Liquid / Cash Reserves (ASF) Months Liquid Reserves Total Assets Available for Reserves Months Reserves Blanket Mortgage Flag Qualifying HCLTV Condo Warrantability Flag E-Note Flag O&E in lieu of Title Insurance Business Purpose Flag Borrower Note Executed As Co Borrower Note Executed As Co Borrower 2 Note Executed As Co Borrower 3 Note Executed As Borrower 1 Trust Name Borrower 2 Trust Name Borrower 3 Trust Name Borrower 4 Trust Name
6000104907     XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXXXXXX No XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXX XXXXXXXXXXXX XXXXXXXX Non-QM: Lender documented all ATR UW factors Yes No No     0 XXXXXXXX 6.310% Manual Underwriting Approve Eligible No 6.687%   6.625% 6.625% $4,046.77 No   $10,310.04 $859.17 $2,931.00 $244.25 $9,240.00 $770.00 $0.00 $5,920.19   Yes XXXXXXXXXXXX XXXXXXXXXXXX $770.00   Monthly 32.48% 36.25% 36.25% No               Retired           Retirement Income Doc Verified 0   NA   N/A 0     0 0     3 0 Yes   No No 0 No No N/A 0 0 No       0.00% 0.00%     N/A 0 N/A       NA 0 No   NA 0 0 N/A     0   No 0     Borrower - SSI and Disability, Other, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Award Letter Verified - ["2024","2025"] - 2024, 2025 Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXXXXXX 10/21/2025 10/21/2025       737                 No                                       NA     0       0     0     0   0 0 0 0               Unknown No             No US Citizen US Citizen N/A Real ID Driver's License   TN United States XXXXXXXXXXXX     N/A                                                                                   Fee Simple   No No N/A XXXXXXX 1491.6 XXXXXXX 1595.4 No 50.56 No No No No Borrower As Individual N/A N/A N/A        
6000104917     XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXXXXXX No XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXX XXXXXXXXXXXX XXXXXXXX Non-QM: Lender documented all ATR UW factors Yes No No     0 XXXXXXXX 5.710% Manual Underwriting Manual Underwriting No 6.792%   6.750% 6.750% $7,964.19 No   $5,922.96 $493.58 $5,631.24 $469.27 $0.00 $0.00 $0.00 $8,927.04   N/A     $0.00     18.39% 33.20% 33.20% No               Self-Employed           24 Month Bank Statement 0   NA   N/A 0     0 0     3 0 NA   No No 0 No Yes Yes 0 24 No       100.00% 100.00%     N/A 0 N/A       NA 0 No   NA 0 0 N/A     0   No 0     Borrower - Other REO Net Rental Income(Loss), SECorporation, SESCorp - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2023","2024","2025"] - 2023, 2024, 2025 Borrower - 3 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXXXXXX 10/01/2025 10/01/2025       788                 No                                       NA     0       0     0     0   0 0 0 0         0 0 0 Unknown No             No US Citizen US Citizen N/A Standard Driver's License - Not for federal use   AL United States XXXXXXXXXXXX     N/A                                                                                   Fee Simple   No No N/A XXXXXXX 5.6 XXXXXXX 5.6 No 63.92 N/A No No No Borrower As Individual N/A N/A N/A        
6000104920     XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXXXXXX No XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXX XXXXXXXXXXXX XXXXXXXX Non-QM: Lender documented all ATR UW factors Yes No No     0 XXXXXXXX 6.290% Manual Underwriting Manual Underwriting No 6.410%   6.375% 6.375% $6,238.70 No   $5,574.84 $464.57 $6,282.00 $523.50 $0.00 $0.00 $0.00 $7,226.77   N/A     $0.00     35.74% 35.56% 35.56% No No             Employed Not Employed         Full Doc 0 0 2+ Months NA N/A 0 N/A 0 0 0 0 0 2 2 NA NA No No 0 No No N/A 0 0 No N/A 0 0 0.00% 0.00%   Proceeds from Sale,Stocks/Bonds N/A 0 N/A N/A N/A 0 NA 0 No 0 NA 0 0 N/A NA 0 0 N/A No 0     Borrower - Wage - 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 || Co Borrower Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 || Co Borrower XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXXXXXX 10/03/2025 10/03/2025 10/03/2025     758                 No                                       NA     0       0     0     0   0 0 0 0         0 0 0 Unknown No             No US Citizen US Citizen N/A Standard Driver's License - Not for federal use   MA United States XXXXXXXXXXXX     N/A     US Citizen US Citizen N/A Standard Driver's License - Not for federal Use   MA United States XXXXXXXXXXXX     N/A                                                         Fee Simple   No No N/A XXXXXXX 192.2 XXXXXXX 192.2 No 47.62 N/A No No No Borrower As Individual Borrower As Individual N/A N/A        
6000104909     XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXXXXXX No XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXX XXXXXXXXXXXX XXXXXXXX Non-QM: Lender documented all ATR UW factors Yes No No     0 XXXXXXXX 6.290% Manual Underwriting Manual Underwriting No 6.529%   6.500% 6.500% $4,298.06 No   $9,682.32 $806.86 $4,584.96 $382.08 $1,080.00 $90.00 $0.00 $5,577.00   N/A XXXXXXXXXXXX XXXXXXXXXXXX $90.00   Monthly 36.79% 36.50% 36.50% No               Self-Employed           12 Month Bank Statement 0   NA   N/A 0     0 0     0 0 NA   No No 0 No Yes Yes 0 12 No       100.00% 100.00%     N/A 0 N/A       Yes 24 No   NA 0 0 N/A     0   No 0     Borrower - SESCorp, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 Borrower - ["2024","2025"] - 2024, 2025 XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXXXXXX 10/07/2025 10/07/2025       721                 No                                       NA     0       0     0     0   0 0 0 0         0 0 0 Unknown No             No US Citizen US Citizen N/A Standard Driver's License - Not for federal use   CO United States XXXXXXXXXXXX     N/A                                                                                   Fee Simple   No No N/A XXXXXXX 0.0 XXXXXXX 61.7 No 64.15 N/A No No No Borrower As Individual N/A N/A N/A        
6000104922     XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXXXXXX No XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXX XXXXXXXXXXXX XXXXXXXX Non-QM: Lender documented all ATR UW factors Yes No No     0 XXXXXXXX 6.240% Manual Underwriting Manual Underwriting No 6.640%   6.625% 6.625% $8,324.04 No   $19,437.60 $1,619.80 $1,950.00 $162.50 $0.00 $0.00 $0.00 $10,106.34   N/A     $0.00     27.11% 25.55% 25.55% No               Self-Employed           12 Month Bank Statement 0   NA   N/A 0     0 0     3 0 NA   No No 0 No Yes Yes 0 12 No       100.00% 100.00%     N/A 0 N/A       NA 0 No   NA 0 0 N/A     0   No 0     Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXXXXXX 09/12/2025 09/12/2025       751                 No                                       NA     0       0     0     0   0 0 0 0         0 0 0 Unknown No             No US Citizen US Citizen N/A Real ID Driver's License   CA United States XXXXXXXXXXXX     N/A                                                                                   Fee Simple   No No N/A XXXXXXX 32.0 XXXXXXX 32.0 No 73.03 N/A No No No Borrower As Individual N/A N/A N/A XXXXXXXXXXXX      
6000104924     XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXXXXXX No XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXX XXXXXXXXXXXX XXXXXXXX Non-QM: Lender documented all ATR UW factors Yes No No     0 XXXXXXXX 6.160% Manual Underwriting Manual Underwriting No 6.771%   6.750% 6.750% $8,619.87 No   $21,340.56 $1,778.38 $8,645.04 $720.42 $0.00 $0.00 $0.00 $11,118.67   N/A     $0.00     14.41% 14.31% 14.31% No               Self-Employed           12 Month Bank Statement 0   NA   N/A 0     0 0     3 0 NA   No No 0 No Yes Yes 0 12 No       100.00% 100.00%     N/A 0 N/A       Yes 24 No   NA 0 0 N/A     0   No 0     Borrower - SECorporation - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXXXXXX 10/15/2025 10/15/2025       789                 No                                       NA     0       0     0     0   0 0 0 0         0 0 0 Unknown No             No US Citizen US Citizen N/A Real ID Driver's License   CA United States XXXXXXXXXXXX     N/A                                                                                   Fee Simple   No No N/A XXXXXXX 30.1 XXXXXXX 30.1 No 69.95 N/A No No No Borrower As Individual N/A N/A N/A        
6000104938     XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXXXXXX No XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXX XXXXXXXXXXXX XXXXXXXX ATR/QM: Not Applicable No No No           Manual Underwriting Manual Underwriting No     6.875% 6.875% $1,114.81 No   $2,046.00 $170.50 $735.00 $61.25 $0.00 $0.00 $0.00 $1,346.56   N/A     $0.00     0.00% 0.00% 0.00% Yes               Unknown           Debt Service Coverage Ratio           0             0 0     No No 0 No No   0 0 No       0.00%     Stocks/Bonds   0           0 No     0 0       0   Yes 1.392     Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXXXXXX 10/16/2025 10/16/2025       743                 No                                       NA     0       0     0     0   0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Standard Driver's License - Not for federal use   VA United States XXXXXXXXXXXX     N/A                                                                                   Fee Simple   No No N/A XXXXXXX 0.0 XXXXXXX 47.1 No 54.74 N/A No No Yes Borrower As Individual N/A N/A N/A        
6000104936     XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXXXXXX No XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXX XXXXXXXXXXXX XXXXXXXX ATR/QM: Not Applicable No No No           Manual Underwriting Manual Underwriting No     7.375% 7.375% $1,022.20 No   $4,803.84 $400.32 $2,532.96 $211.08 $0.00 $0.00 $0.00 $1,633.60   N/A     $0.00     0.00% 0.00% 0.00% Yes               Unknown           Debt Service Coverage Ratio           0             0 0     No No 0 No No   0 0 No       0.00%         0           0 No     0 0       0   Yes 1.102 1.1   Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXXXXXX 10/24/2025 10/24/2025       785                 No                                       NA     0       0     0     0   0 0 0 0               Unknown No             No Permanent Resident Alien Permanent Non-US Citizen Yes - ITIN Card Real ID Driver's License   TX United States XXXXXXXXXXXX     I-151 Permanent Resident Card   XXXXXXXXXXXX                                                                               Fee Simple   No No N/A XXXXXXX 13.0 XXXXXXX 13.0 No 80.0 N/A No No Yes Borrower As Individual N/A N/A N/A        
6000104926     XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXXXXXX No XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXX XXXXXXXXXXXX XXXXXXXX ATR/QM: Not Applicable No No No           Manual Underwriting Manual Underwriting No     6.750% 6.750% $1,633.95 No   $1,223.28 $101.94 $824.04 $68.67 $1,500.00 $125.00 $0.00 $1,929.56   N/A XXXXXXXXXXXX XXXXXXXXXXXX $125.00   Monthly 0.00% 0.00% 0.00% Yes               Unknown           Debt Service Coverage Ratio           0             0 0     No No 0 No No   0 0 No       0.00%         0           0 No     0 0       0   Yes 1.192 1.192   Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXXXXXX 10/02/2025 10/02/2025       791                 No                                       NA     0       0     0     0   0 0 0 0 0   0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Real ID Driver's License   AR United States XXXXXXXXXXXX     N/A                                                                                   Fee Simple   No No N/A XXXXXXX 133.9 XXXXXXX 133.9 No 80.0 N/A No No Yes Borrower As Individual N/A N/A N/A        
6000104927     XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXXXXXX No XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXX XXXXXXXXXXXX XXXXXXXX ATR/QM: Not Applicable No No No           Manual Underwriting Manual Underwriting No     6.750% 6.750% $1,633.95 No   $1,223.40 $101.95 $824.04 $68.67 $1,500.00 $125.00 $0.00 $1,929.57   N/A XXXXXXXXXXXX XXXXXXXXXXXX $125.00   Monthly 0.00% 0.00% 0.00% Yes               Unknown           Debt Service Coverage Ratio           0             0 0     No No 0 No No   0 0 No       0.00%         0           0 No     0 0       0   Yes 1.192 1.192   Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXXXXXX 10/02/2025 10/02/2025       791                 No                                       NA     0       0     0     0   0 0 0 0         0 0 0 Unknown No             No US Citizen US Citizen N/A Real ID Driver's License   AZ United States XXXXXXXXXXXX     N/A                                                                                   Fee Simple   No No N/A XXXXXXX 133.7 XXXXXXX 133.7 No 80.0 N/A No No Yes Borrower As Individual N/A N/A N/A        
6000104939     XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXXXXXX No XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXX XXXXXXXXXXXX XXXXXXXX ATR/QM: Not Applicable No No No           Manual Underwriting Manual Underwriting No     6.750% 6.750% $1,747.97 No   $10,115.40 $842.95 $2,381.40 $198.45 $593.04 $49.42 $0.00 $2,838.79   N/A XXXXXXXXXXXX XXXXXXXXXXXX $49.42   Annually 0.00% 0.00% 0.00% Yes               Unknown           Debt Service Coverage Ratio           0             0 0     No No 0 No No   0 0 No       0.00%         0           0 No     0 0       0   Yes 0.907 0.9   Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXXXXXX 10/27/2025 10/27/2025       777                 No                                       NA     0       0     0     0   0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Real ID Driver's License   NC United States XXXXXXXXXXXX     N/A                                                                                   Fee Simple   No No N/A XXXXXXX 9.0 XXXXXXX 9.0 No 70.0 N/A No No Yes Borrower As Individual N/A N/A N/A        
6000104910     XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXXXXXX No XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXX XXXXXXXXXXXX XXXXXXXX Non-QM: Lender documented all ATR UW factors Yes No No     3229.38 XXXXXXXX 6.230% Manual Underwriting Manual Underwriting No 7.662%   7.500% 7.500% $1,547.01 No   $2,451.00 $204.25 $3,495.00 $291.25 $0.00 $0.00 $0.00 $2,042.51 $0.00 N/A     $0.00     5.36% 5.36% 5.36% No               Self-Employed           12 Month Bank Statement 0   NA   N/A 0     0 0     3 0 NA   No No 0 No Yes Yes 0 12 No       100.00% 100.00%     N/A 0 N/A       NA 0 No   NA 0 0 N/A     0   No 0     Borrower - SESCorp, Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXXXXXX 10/23/2025 10/23/2025       801                 No                                       NA     0       0     0     0   0 0 0 0         0 0 0 Unknown No             No US Citizen US Citizen N/A Standard Driver's License - Not for federal use   OK United States XXXXXXXXXXXX     N/A                                                                                   Fee Simple   No No N/A XXXXXXX 0.0 XXXXXXX 67.5 No 75.0 N/A No No No Borrower As Individual N/A N/A N/A        
6000104940     XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXXXXXX No XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXX XXXXXXXXXXXX XXXXXXXX ATR/QM: Not Applicable No No No           Manual Underwriting Manual Underwriting No     6.250% 6.250% $1,556.23 No   $6,980.52 $581.71 $1,877.64 $156.47 $0.00 $0.00 $0.00 $2,294.41   N/A     $0.00     0.00% 0.00% 0.00% Yes               Unknown           Debt Service Coverage Ratio           0             0 0     No No 0 No No   0 0 No       0.00%         0           0 No     0 0       0   Yes 1.002 1.0   Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXXXXXX 11/19/2025 11/19/2025       801                 No                                       NA     0       0     0     0   0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Real ID Driver's License   TX United States XXXXXXXXXXXX     N/A                                                                                   Fee Simple   No   N/A XXXXXXX 5.9 XXXXXXX 5.9 No 75.0 N/A No No Yes Borrower As Individual N/A N/A N/A        
6000104941     XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXXXXXX No XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXX XXXXXXXXXXXX XXXXXXXX ATR/QM: Not Applicable No No No           Manual Underwriting Manual Underwriting No     6.500% 6.500% $1,469.56 No   $10,231.92 $852.66 $1,722.48 $143.54 $1,250.04 $104.17 $0.00 $2,569.93   N/A   XXXXXXXXXXXX $104.17   Annually 0.00% 0.00% 0.00% Yes               Unknown           Debt Service Coverage Ratio           0             0 0     No No 0 No No   0 0 No       0.00%         0           0 No     0 0       0   Yes 1.128 1.13   Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXXXXXX 10/24/2025 10/24/2025       749                 No                                       NA     0       0     0     0   0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Real ID Driver's License   TX United States XXXXXXXXXXXX     N/A                                                                                   Fee Simple   No No N/A XXXXXXX 12.6 XXXXXXX 12.6 No 75.0 N/A No No Yes Borrower As Individual N/A N/A N/A        
6000104937     XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXXXXXX No XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXX XXXXXXXXXXXX XXXXXXXX ATR/QM: Not Applicable No No No           Manual Underwriting Manual Underwriting No     7.375% 7.375% $1,049.83 No   $2,578.68 $214.89 $1,855.92 $154.66 $0.00 $0.00 $0.00 $1,419.38   N/A     $0.00     0.00% 0.00% 0.00% Yes               Unknown           Debt Service Coverage Ratio           0             0 0     No No 0 No No   0 0 No       0.00%         0           0 No     0 0       0   Yes 1.113 1.11   Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXXXXXX 10/27/2025 10/27/2025       740                 No                                       NA     0       0     0     0   0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Standard Driver's License - Not for federal use   NC United States XXXXXXXXXXXX     N/A                                                                                   Fee Simple   No No N/A XXXXXXX 27.1 XXXXXXX 27.1 No 80.0 N/A No No Yes Borrower As Individual N/A N/A N/A        
6000104931     XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXXXXXX No XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXX XXXXXXXXXXXX XXXXXXXX ATR/QM: Not Applicable No No No           Manual Underwriting Manual Underwriting No     6.875% 6.875% $2,236.47 No   $4,095.84 $341.32 $906.24 $75.52 $2,268.00 $189.00 $0.00 $2,842.31   Yes XXXXXXXXXXXX XXXXXXXXXXXX $189.00   Monthly 0.00% 0.00% 0.00% Yes               Unknown           Debt Service Coverage Ratio           0             0 0     No No 0 No No   0 0 No       0.00%         0           0 No     0 0       0   Yes 1.047 1.05   Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXXXXXX 12/03/2025 12/03/2025       752                 No                                       NA     0       0     0     0   0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Real ID Driver's License   VA United States XXXXXXXXXXXX     N/A                                                                                   Fee Simple   No   N/A XXXXXXX 36.9 XXXXXXX 36.9 No 65.0 N/A No No Yes Borrower As Individual N/A N/A N/A        
6000104915     XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXXXXXX No XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXX XXXXXXXXXXXX XXXXXXXX Non-QM: Lender documented all ATR UW factors Yes No No     0 XXXXXXXX 6.260% Manual Underwriting Manual Underwriting No 7.649%   7.500% 7.500% $2,050.10 No   $3,106.20 $258.85 $1,097.04 $91.42 $4,344.00 $362.00 $0.00 $2,762.37 $7,652.83 No XXXXXXXXXXXX XXXXXXXXXXXX $362.00   Monthly 43.09% 43.90% 43.90% No               Self-Employed           12 Month Bank Statement 0   NA   N/A 0     0 0     2 0 NA   No No 0 No Yes Yes 0 12 No       100.00% 100.00%   Stocks/Bonds N/A 0 N/A       NA 0 No   NA 0 0 N/A     0   No 0     Borrower - SESCorp, Other REO Net Rental Income(Loss) - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXXXXXX 10/17/2025 10/17/2025       700                 No                                       NA     0       0     0     0   0 0 0 0         0 0 0 Unknown No             No US Citizen US Citizen N/A Standard Driver's License - Not for federal use   NC United States XXXXXXXXXXXX     N/A                                                                                   Fee Simple   No No N/A XXXXXXX 44.0 XXXXXXX 44.0 No 80.0 Yes No No No Borrower As Individual N/A N/A N/A        
6000104933     XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXXXXXX No XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXX XXXXXXXXXXXX XXXXXXXX ATR/QM: Not Applicable No No No           Manual Underwriting Manual Underwriting No     7.250% 7.250% $2,053.35 No   $2,704.08 $225.34 $639.00 $53.25 $972.00 $81.00 $0.00 $2,412.94   N/A   XXXXXXXXXXXX $81.00   Monthly 0.00% 0.00% 0.00% Yes Yes             Unknown Unknown         Debt Service Coverage Ratio           0             0 0     No No 0 No No   0 0 No   0 0 0.00%         0       0   0 No 0   0 0     0 0   Yes 0.891 0.89   Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXXXXXX 12/02/2025 12/02/2025 12/02/2025     783                 No                                       NA     0       0     0     0   0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Real ID Driver's License   CA United States XXXXXXXXXXXX     N/A     US Citizen US Citizen N/A Real ID Driver's License   CA United States XXXXXXXXXXXX     N/A                                                         Fee Simple   No No N/A XXXXXXX 0.0 XXXXXXX 123.4 No 70.0 N/A No No Yes Borrower As Individual Borrower As Individual N/A N/A