EXHIBIT 99.13
selene standard findings report
| Deal ID | Seller | Loan ID | Seller Loan ID | Investor Loan ID | Queue | Created Date | Last Modified Date | Finding Status | Event Level | Initial Finding Grade | Current/Final Finding Grade | Finding Category | Finding Sub Category | Finding Name | Reviewer Comments | Seller Comments | Finding Resolution | Finding Document | Reviewer Comp Factors | Originator Comp Factors | State | Occupancy | Loan Purpose | Refinance Purpose | Unique Finding ID | Acknowledged / Waived By | Waiver in File? |
| 99 | XXXX | XXXX | XXXX | XXXX | Closed | 2026-03-12 01:07 | 2026-03-23 13:41 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of XXX.XX month(s) are greater than or equal to Guideline Required Reserves of X month(s) - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-As per Matrix & GL XX.XX.XXXX for Low ratio DSCR program reserves required X months of PITIA. PITIA $XX,XXX.XX(X *$X,XXX.XX months reserves) , available verified asset $XX,XXX.XX . the loan is short funds $ XX,XXX.XX. Provide additional asset to cover the reserves amount. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Audited Reserves of XXX.XX month(s) are greater than or equal to Guideline Required Reserves of X month(s) - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX XXXXXX - XX.XXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | 8062192 | N/A | N/A | ||
| 99 | XXXX | XXXX | XXXX | XXXX | Closed | 2026-03-11 23:49 | 2026-03-13 03:06 | Resolved | 1 - Information | D | A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Requested secondary valuation provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. XXXXXX XXX - Seller-XX/XX/XXXX Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X File needs a XXXX or XXXXXX XXXX/XXX report with a score less than X.X, or the file needs an Appraisal Desk Review. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. XXXXXX XXX - Seller-XX/XX/XXXX |
Resolved-Requested secondary valuation provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX XXX.XXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | 8061799 | N/A | N/A | ||
| 100 | XXXX | XXXX | XXXX | XXXX | Closed | 2026-03-24 02:27 | 2026-03-30 06:48 | Resolved | 1 - Information | D | A | Credit | Eligibility | Business Entity Formation Doc Missing | Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. XXXXXXX Agreement docs go over Formation - Seller-XX/XX/XXXX Open-Entity Formation Doc Indicator is Missing. Entity Formation Doc is missing - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. XXXXXXX Agreement docs go over Formation - Seller-XX/XX/XXXX |
Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXX.XXX | XX | Investment | Refinance | Cash Out - Other | 8281952 | N/A | N/A | ||
| 100 | XXXX | XXXX | XXXX | XXXX | Closed | 2026-03-24 03:41 | 2026-03-30 01:07 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Cleared alerts - Seller-XX/XX/XXXX Open-Per the GL XX.XX.XXXX page # XX a clear fraud report is required. The fraud report in file (page # XXX) is showing uncleared alert, provide updated fraud report. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Cleared alerts - Seller-XX/XX/XXXX |
Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX XXXXXX.XXX | XX | Investment | Refinance | Cash Out - Other | 8282512 | N/A | N/A | ||
| 101 | XXXX | XXXX | XXXX | XXXX | Closed | 2026-04-13 22:20 | 2026-04-15 14:55 | Resolved | 1 - Information | A | A | Compliance | Closing | Final HUD-1 Closing Date does not match Transaction Date | Resolved-attached doc shows disbursement date - Due Diligence Vendor-XX/XX/XXXX Rescinded-Final HUD-X Closing Date of XX-XX-XXXX is not the same date as the Notary Acknowledgement Date of XX-XX-XXXX. disbursement date - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Final Closing Statement - Seller-XX/XX/XXXX Open-Final HUD-X Closing Date of XX-XX-XXXX is not the same date as the Notary Acknowledgement Date of XX-XX-XXXX. Provide updated HUDX with disbursement date after Notary Acknowledgement Date of XX-XX-XXXX and Title agent signature is also missing in provided HUDX addendum - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Final Closing Statement - Seller-XX/XX/XXXX |
Resolved-attached doc shows disbursement date - Due Diligence Vendor-XX/XX/XXXX Rescinded-Final HUD-X Closing Date of XX-XX-XXXX is not the same date as the Notary Acknowledgement Date of XX-XX-XXXX. disbursement date - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX XXXXXXXXX_XXXXXXXX.XXX_XXXXX_ XXXXXXXXXXXXX XXXXXXXX.XXX |
XX | Investment | Refinance | Cash Out - Other | 8638972 | N/A | N/A | ||
| 101 | XXXX | XXXX | XXXX | XXXX | Closed | 2026-04-13 10:38 | 2026-04-15 14:45 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX Resolved-attached fraud report shows no uncleared alerts - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX Open-Per the guideline Version XX/XX/XXXX on page#XX a clear fraud report is required. The fraud report in file pg#XXX is showing a High alert. The required cleared report is missing. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX |
Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX Resolved-attached fraud report shows no uncleared alerts - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX XXXXXX.XXX | XX | Investment | Refinance | Cash Out - Other | 8626439 | N/A | N/A | ||
| 102 | XXXX | XXXX | XXXX | XXXX | Closed | 2026-04-14 03:50 | 2026-04-23 03:04 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Requested Settlement statement provided, updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Final HUD-X Document is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Final SS - Seller-XX/XX/XXXX Open-Final HUD-X Document is Missing. FINAL signed/stamp HUD-X not in file - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Final SS - Seller-XX/XX/XXXX |
Resolved-Requested Settlement statement provided, updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Final HUD-X Document is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX-XXXXX-XXXXXXXXX.XXX_XXXXX_ XXXXXXX XX.XXX |
XX | Investment | Refinance | No Cash Out - Borrower Initiated | 8645471 | N/A | N/A | ||
| 102 | XXXX | XXXX | XXXX | XXXX | Closed | 2026-04-14 04:02 | 2026-04-20 03:16 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Per the guideline Version XX/XX/XXXX on page#XX a clear fraud report is required. The fraud report in file pg#XXX is showing a High alert. The required cleared report is missing. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX XXXXXX.XXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | 8645586 | N/A | N/A |