Exhibit 99.3 Schedule 2

 

ATR QM Upload                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               
Loans in Report:  68                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          
Marketing ID Loan Number Deal Seller Loan Number Original Principal Balance State Loan Level ATR/QM Status Verification Safe Harbor (VSH)? Lender Provided ATR/QM Worksheet Initial Lender ATR/QM Status Application Date Borrower 1 Citizenship Borrower 2 Citizenship Borrowers Qualified Through a Non-Resident Alien Program Occupancy Property Type Number of Units Loan Type Exempt Loan Product Type Exempt Loan Housing Agency Community Housing Development Credit Under Economic Stabilization Act Of 2008 Refinance Of Non-Standard Mortgage Higher Priced Covered Transaction State Prepay Exceptions Loan Purpose Loan Term Exceeds 30 Years Interest Only Feature Negative Amortization Balloon Payment Prepay Penalty Flag Prepayment Penalty Type Prohibited Prepayment Penalty Exceeds Points And Fees Exceeds DTI Limit Lien Position APR QM Calculated DTI Adherence QM Lenders DTI Adherence QM Fee Adherence - Total Charges % QM Fee Adherence - Lenders Fee % Fannie Mae Eligible Freddie Mac Eligible VA Guaranty Eligible FHA Insured Eligible USDA Guarantee Eligible Rural Housing Service Insured Eligible QM - Expected Income Or Assets For DTI QM - Current Employment Status For DTI QM - Monthly Payment On Subject Loan For DTI QM - Monthly Payment On Additional Loan For DTI QM - Monthly Payment Mortgage Related Obligations QM - Current Debt Obligations Alimony and Child Support for DTI QM - Monthly DTI Ratio Or Residual Income One or more Verification Safe Harbor Guidelines used? Current/Reasonably Expected Income or Assets per Guideline used? Current Debt Obligations, Alimony & Child Support per Guideline used? Monthly DTI (includes monthly payment on subject loan and simultaneous loans) Monthly Residual Income per guideline used? Compensating Factors used for QM determination documented before closing? ATR - Guidelines Provided to Document Approach ATR - Current And Expected Income And Assets ATR - Current Employment Status ATR - Mortgage Payment Obligation ATR - Mortgage Payment on Simultaneous Transaction ATR - Payment For Mortgage Related Obligations ATR - Debt Obligations Including Alimony and Child Support ATR - Monthly DTI Ratio or Residual Income ATR - Consumer Credit History ATR Lenders - DTI (Back) ATR Calculated DTI (Back) QM Lender Value DTI (Back) QM Calculated DTI (Back) Initial DTI (Back) DTI Qualifying (Back) Residual Income Analysis in File Residual Income Guidelines Did Loan Meet Guidelines Residual Income Amount Asset Depletion Asset Depletion Months Amortized Asset Utilization Partial Asset Depletion Short Sale Short Sale Date Deed In Lieu Deed In Lieu Date QRM Flag Borrower 2 Guarantor Flag Borrower 2 Personal Guaranty Recourse to Borrower Borrower 3 Guarantor Flag Borrower 3 Personal Guaranty Recourse to Borrower Borrower 4 Guarantor Flag Borrower 4 Personal Guaranty Recourse to Borrower Borrower 1 Paystub Flag Borrower 1 Paystub Number of Months Borrower 2 Paystub Flag Borrower 2 Paystub Number of Months Borrower 3 Paystub Flag Borrower 3 Paystub Number of Months Borrower 4 Paystub Flag Borrower 4 Paystub Number of Months Borrower 1 W2 Flag Borrower 1 W2 Number of Months Borrower 2 W2 Flag Borrower 2 W2 Number of Months Borrower 3 W2 Flag Borrower 3 W2 Number of Months Borrower 4 W2 Flag Borrower 4 W2 Number of Months Borrower 1 Personal Tax Return Flag Borrower 1 Personal Tax Return Number of Months Borrower 2 Personal Tax Return Flag Borrower 2 Personal Tax Return Number of Months Borrower 3 Personal Tax Return Flag Borrower 3 Personal Tax Return Number of Months Borrower 4 Personal Tax Return Flag Borrower 4 Personal Tax Return Number of Months Borrower 1 Business Tax Return Flag Borrower 1 Business Tax Return Number of Months Borrower 2 Business Tax Return Flag Borrower 2 Business Tax Return Number of Months Borrower 3 Business Tax Return Flag Borrower 3 Business Tax Return Number of Months Borrower 4 Business Tax Return Flag Borrower 4 Business Tax Return Number of Months Borrower 1 Verbal VOE Flag Borrower 1 Verbal VOE Number of Months Borrower 2 Verbal VOE Flag Borrower 2 Verbal VOE Number of Months Borrower 3 Verbal VOE Flag Borrower 3 Verbal VOE Number of Months Borrower 4 Verbal VOE Flag Borrower 4 Verbal VOE Number of Months Borrower 1 Written VOE Flag Borrower 1 Written VOE Form Borrower 1 Written VOE Number of Months Borrower 2 Written VOE Flag Borrower 2 Written VOE Form Borrower 2 Written VOE Number of Months Borrower 3 Written VOE Flag Borrower 3 Written VOE Form Borrower 3 Written VOE Number of Months Borrower 4 Written VOE Flag Borrower 4 Written VOE Form Borrower 4 Written VOE Number of Months Borrower 1 P&L Flag Borrower 1 P&L Prepared By Borrower 1 P&L Number of Months Borrower 2 P&L Flag Borrower 2 P&L Prepared By Borrower 2 P&L Number of Months Borrower 3 P&L Flag Borrower 3 P&L Prepared By Borrower 3 P&L Number of Months Borrower 4 P&L Flag Borrower 4 P&L Prepared By Borrower 4 P&L Number of Months Borrower 1 Lease Agreement Flag Borrower 1 Lease Agreement Number of Months Borrower 2 Lease Agreement Flag Borrower 2 Lease Agreement Number of Months Borrower 3 Lease Agreement Flag Borrower 3 Lease Agreement Number of Months Borrower 4 Lease Agreement Flag Borrower 4 Lease Agreement Number of Months Equity Income Flag Equity Income Amount Equity Income Number of Months Cross Collateralized Loan? Is the Loan a Short-Term Rental? DSCR with Rent Schedule Flag DSCR with Rent Schedule Income Amount DSCR with Lease Agreement Flag DSCR with Lease Agreement Income Amount DSCR % DSCR Method Used Borrower 1 CPA Letter with Income Flag Borrower 1 CPA Letter with Income Number of Months Borrower 1 CPA Letter without Income Flag Borrower 1 CPA Letter without Income Number of Months Borrower 2 CPA Letter with Income Flag Borrower 2 CPA Letter with Income Number of Months Borrower 2 CPA Letter without Income Flag Borrower 2 CPA Letter without Income Number of Months Borrower 3 CPA Letter with Income Flag Borrower 3 CPA Letter with Income Number of Months Borrower 3 CPA Letter without Income Flag Borrower 3 CPA Letter without Income Number of Months Borrower 4 CPA Letter with Income Flag Borrower 4 CPA Letter with Income Number of Months Borrower 4 CPA Letter without Income Flag Borrower 4 CPA Letter without Income Number of Months Borrower 1 Personal Bank Statements Flag Borrower 1 Personal Bank Statements Number of Months Borrower 2 Personal Bank Statements Flag Borrower 2 Personal Bank Statements Number of Months Borrower 3 Personal Bank Statements Flag Borrower 3 Personal Bank Statements Number of Months Borrower 4 Personal Bank Statements Flag Borrower 4 Personal Bank Statements Number of Months Borrower 1 Business Bank Statements Flag Borrower 1 Business Bank Statements Number of Months Borrower 2 Business Bank Statements Flag Borrower 2 Business Bank Statements Number of Months Borrower 3 Business Bank Statements Flag Borrower 3 Business Bank Statements Number of Months Borrower 4 Business Bank Statements Flag Borrower 4 Business Bank Statements Number of Months Borrower 1 Award Letter Flag Borrower 1 Award Letter Number of Months Borrower 2 Award Letter Flag Borrower 2 Award Letter Number of Months Borrower 3 Award Letter Flag Borrower 3 Award Letter Number of Months Borrower 4 Award Letter Flag Borrower 4 Award Letter Number of Months Borrower 1 Offer Letter Flag Borrower 1 Offer Letter Number of Months Borrower 2 Offer Letter Flag Borrower 2 Offer Letter Number of Months Borrower 3 Offer Letter Flag Borrower 3 Offer Letter Number of Months Borrower 4 Offer Letter Flag Borrower 4 Offer Letter Number of Months Borrower 1 IRS Transcripts - Tax Returns Flag Borrower 1 IRS Transcripts - Tax Returns Number of Months Borrower 1 IRS Transcripts - W2s Flag Borrower 1 IRS Transcripts - W2s Number of Months Borrower 2 IRS Transcripts - Tax Returns Flag Borrower 2 IRS Transcripts - Tax Returns Number of Months Borrower 2 IRS Transcripts - W2s Flag Borrower 2 IRS Transcripts - W2s Number of Months Borrower 3 IRS Transcripts - Tax Returns Flag Borrower 3 IRS Transcripts - Tax Returns Number of Months Borrower 3 IRS Transcripts - W2s Flag Borrower 3 IRS Transcripts - W2s Number of Months Borrower 4 IRS Transcripts - Tax Returns Flag Borrower 4 IRS Transcripts - Tax Returns Number of Months Borrower 4 IRS Transcripts - W2s Flag Borrower 4 IRS Transcripts - W2s Number of Months Borrower 1 Income Doc Type Summary Borrower 2 Income Doc Type Summary Borrower 3 Income Doc Type Summary Borrower 4 Income Doc Type Summary BK Chapter BK Filing Date Months Since Filing Date BK Discharge Date Months Since Discharge Date Ever in F/C? F/C Last Proceeding Date Borrower 1 Documentation Used to Determine Legal Residency Borrower 2 Documentation Used to Determine Legal Residency Borrower 3 Documentation Used to Determine Legal Residency Borrower 4 Documentation Used to Determine Legal Residency Full Diligence ID
1 XX XX (No Data) XX WA QM: Safe Harbor (APOR) Yes Present QM: Safe Harbor (APOR) XX U.S. Citizen U.S. Citizen (No Data) Second Home Low Rise Condo (1-4) 1 Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No 1 6.6680 Yes Yes 0 0.000 No No No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Yes Yes Yes No No (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 25.63 25.63 25.63 25.63 25.63 25.63 No No (No Data) 12528.57 No 0 (No Data) No No (No Data) No (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 2 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) Personal Bank Statements - 2 months (No Data) (No Data) No (No Data) 0 (No Data) 0 No (No Data) (No Data) (No Data) (No Data) (No Data) XX
2 XX XX (No Data) XX CA ATR/QM: Exempt (No Data) (No Data) (No Data) XX U.S. Citizen U.S. Citizen (No Data) Investor SFR 1 Conventional No No (No Data) (No Data) (No Data) No (No Data) Purchase No No No No No (No Data) (No Data) No Exempt 1 6.9900 No No 0 (No Data) No Yes No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 47.16 0 47.16 47.16 47.16 (No Data) (No Data) (No Data) 9100.92 No 0 (No Data) No No (No Data) No (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) Yes Independent Third Party (The Work Number, Equifax etc) 6 No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No No No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) 1099 - 24 months Written VOE - 6 months (No Data) (No Data) No (No Data) 0 (No Data) 0 No (No Data) (No Data) (No Data) (No Data) (No Data) XX
3 XX XX (No Data) XX NV ATR/QM: Exempt (No Data) (No Data) (No Data) XX U.S. Citizen U.S. Citizen (No Data) Investor Detached PUD 1 Conventional No No (No Data) (No Data) (No Data) No (No Data) Purchase No No No No No (No Data) (No Data) No Yes 1 6.7500 No No 0 (No Data) Yes No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 44.78 0 44.78 44.78 44.78 (No Data) (No Data) (No Data) 7580.12 No 0 (No Data) No No (No Data) No (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) Yes 1 Yes 1 No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) Yes 12 Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No No No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Paystub - 1 months;
Personal Tax Return - 12 months		 Paystub - 1 months;
Personal Tax Return - 12 months;
W2 - 12 months		 (No Data) (No Data) No (No Data) 0 (No Data) 0 No (No Data) (No Data) (No Data) (No Data) (No Data) XX
4 XX XX (No Data) XX NJ QM: Safe Harbor (APOR) Yes Present QM: Safe Harbor (APOR) XX U.S. Citizen U.S. Citizen (No Data) Investor SFR 1 Conventional No No No No (No Data) No No Cashout Refi No No No No No (No Data) (No Data) No No 1 7.0710 Yes Yes 0.599 0.000 Yes No No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Yes Yes Yes No No (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 20.8 28.98 20.8 28.98 28.98 28.98 No No (No Data) 13702.99 No 0 (No Data) No No (No Data) No (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No No No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) Personal Tax Return - 12 months (No Data) (No Data) No (No Data) 0 (No Data) 0 No (No Data) (No Data) (No Data) (No Data) (No Data) XX
5 XX XX (No Data) XX ID ATR/QM: Exempt (No Data) (No Data) (No Data) XX U.S. Citizen (No Data) (No Data) Investor 2 Family 2 Conventional No No (No Data) (No Data) (No Data) No (No Data) Rate and Term Refi No No No No No (No Data) (No Data) No Exempt 1 6.5000 No No 0 (No Data) No Yes No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 46.05 0 46.05 46.05 46.05 (No Data) (No Data) (No Data) 7127.39 No 0 (No Data) No No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes 3 No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes Independent Third Party (The Work Number, Equifax etc) 36 No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No No No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Paystub - 3 months;
W2 - 24 months;
Written VOE - 36 months		 (No Data) (No Data) (No Data) No (No Data) 0 (No Data) 0 No (No Data) (No Data) (No Data) (No Data) (No Data) XX
6 XX XX (No Data) XX FL ATR/QM: Exempt (No Data) (No Data) (No Data) XX Permanent Resident Alien Permanent Resident Alien (No Data) Investor Detached PUD 1 Conventional No No (No Data) (No Data) (No Data) No (No Data) Purchase No No No No No (No Data) (No Data) No Exempt 1 5.2240 Yes No 2.46 (No Data) No Yes No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 36.63 0 36.63 36.63 36.63 (No Data) (No Data) (No Data) 13096.69 No 0 (No Data) No No (No Data) No (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) Yes Independent Third Party (The Work Number, Equifax etc) 24 No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No No No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) Written VOE - 24 months (No Data) (No Data) No (No Data) 0 (No Data) 0 No (No Data) Green Card Green Card (No Data) (No Data) XX
7 XX XX (No Data) XX NC ATR/QM: Exempt (No Data) (No Data) (No Data) XX U.S. Citizen (No Data) (No Data) Investor Attached PUD 1 Conventional No No (No Data) (No Data) (No Data) No (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 1 6.9900 No No 0 (No Data) Yes No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 45.43 0 45.43 45.43 45.43 (No Data) (No Data) (No Data) 14059.05 No 0 (No Data) No No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes 1 No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes Independent Third Party (The Work Number, Equifax etc) 24 No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No No No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Paystub - 1 months;
W2 - 24 months;
Written VOE - 24 months		 (No Data) (No Data) (No Data) No (No Data) 0 (No Data) 0 No (No Data) (No Data) (No Data) (No Data) (No Data) XX
8 XX XX (No Data) XX AZ QM: Safe Harbor (APOR) No Present QM: Safe Harbor (APOR) XX U.S. Citizen U.S. Citizen (No Data) Second Home Detached PUD 1 Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No 1 6.9329 Yes Yes 0.466 1.000 No Yes No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No Yes Yes Yes Not Applicable No (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 33.8 33.8 33.8 33.8 33.8 33.8 No No (No Data) 5645.18 Yes 240 Yes No No (No Data) No (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Award Letter - 12 months Award Letter - 12 months (No Data) (No Data) No (No Data) 0 (No Data) 0 No (No Data) (No Data) (No Data) (No Data) (No Data) XX
9 XX XX (No Data) XX MI QM: Safe Harbor (APOR) No Present QM: Safe Harbor (APOR) XX U.S. Citizen (No Data) (No Data) Second Home SFR 1 Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No 1 7.0767 Yes Yes 0.62 Not Applicable No Yes No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No Yes Yes Yes Not Applicable No (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 28.24 28.24 28.24 28.24 28.24 28.24 No No (No Data) 14390.84 No 0 (No Data) No No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes 1 No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes Independent Third Party (The Work Number, Equifax etc) 31 No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Paystub - 1 months;
W2 - 24 months;
Written VOE - 31 months		 (No Data) (No Data) (No Data) No (No Data) 0 (No Data) 0 No (No Data) (No Data) (No Data) (No Data) (No Data) XX
10 XX XX (No Data) XX MA ATR/QM: Exempt (No Data) (No Data) (No Data) XX U.S. Citizen U.S. Citizen (No Data) Investor SFR 1 Conventional No No (No Data) (No Data) (No Data) No (No Data) Purchase No No No No No (No Data) (No Data) No Exempt 1 7.3209 Yes No 1.721 (No Data) No Yes No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 27.71 0 27.71 27.71 27.71 (No Data) (No Data) (No Data) 6082.17 No 0 (No Data) No No (No Data) No (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) Yes 1 No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No No No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Paystub - 1 months;
W2 - 12 months		 (No Data) (No Data) (No Data) No (No Data) 0 (No Data) 0 No (No Data) (No Data) (No Data) (No Data) (No Data) XX
11 XX XX (No Data) XX SC QM: Safe Harbor (APOR) No Present QM: Safe Harbor (APOR) XX U.S. Citizen U.S. Citizen (No Data) Second Home SFR 1 Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No Exempt 1 7.4979 No No 0.983 0.000 No Yes No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No Yes Yes Yes No No (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 44 43.18 44 43.18 43.18 43.18 No No (No Data) 5386.1 No 0 (No Data) No No (No Data) No (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) Yes 1 No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) Yes FMNA 1005 24 No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) Paystub - 1 months;
W2 - 24 months;
Written VOE - 24 months		 (No Data) (No Data) No (No Data) 0 (No Data) 0 No (No Data) (No Data) (No Data) (No Data) (No Data) XX
13 XX XX (No Data) XX WI QM: Safe Harbor (APOR) No Present QM: Safe Harbor (APOR) XX U.S. Citizen U.S. Citizen (No Data) Second Home Low Rise Condo (1-4) 1 Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No 1 6.9968 Yes Yes 0.039 Not Applicable No Yes No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No Yes Yes Yes No No (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 37 36.55 37 36.55 36.55 36.55 No No (No Data) 18769.77 No 0 (No Data) No No (No Data) No (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) Yes 1 No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No No No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Paystub - 1 months;
W2 - 12 months		 (No Data) (No Data) (No Data) No (No Data) 0 (No Data) 0 No (No Data) (No Data) (No Data) (No Data) (No Data) XX
14 XX XX (No Data) XX CO QM: Safe Harbor (APOR) No Present QM: Safe Harbor (APOR) XX U.S. Citizen (No Data) (No Data) Second Home Detached PUD 1 Conventional No No No No (No Data) No No Rate and Term Refi No No No No No (No Data) (No Data) No No 1 6.1594 Yes Yes 0.27 Not Applicable No Yes No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No Yes Yes Yes No No (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 27 27.48 27 27.48 27.48 27.48 No No (No Data) 30291.11 No 0 (No Data) No No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Tax Return - 12 months;
IRS Transcripts – Tax Return(s) - 12 months;
Personal Tax Return - 12 months;
W2 - 12 months		 (No Data) (No Data) (No Data) No (No Data) 0 (No Data) 0 No (No Data) (No Data) (No Data) (No Data) (No Data) XX
15 XX XX (No Data) XX CA ATR/QM: Exempt (No Data) (No Data) (No Data) XX U.S. Citizen U.S. Citizen (No Data) Investor SFR 1 Conventional No No (No Data) (No Data) (No Data) No (No Data) Purchase No No No No No (No Data) (No Data) No Yes 1 6.0000 Yes No 0 (No Data) Yes No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 11.35 0 11.35 11.35 11.35 (No Data) (No Data) (No Data) 49739.33 No 0 (No Data) No No (No Data) No (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) Yes 3 Yes 1 No (No Data) No (No Data) Yes 24 Yes 24 No (No Data) No (No Data) Yes 12 Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) Yes Independent Third Party (The Work Number, Equifax etc) 36 No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No No No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Paystub - 3 months;
Personal Tax Return - 12 months;
W2 - 24 months		 Paystub - 1 months;
Personal Tax Return - 12 months;
W2 - 24 months;
Written VOE - 36 months		 (No Data) (No Data) No (No Data) 0 (No Data) 0 No (No Data) (No Data) (No Data) (No Data) (No Data) XX
16 XX XX (No Data) XX NC ATR/QM: Exempt (No Data) (No Data) (No Data) XX U.S. Citizen U.S. Citizen (No Data) Investor SFR 1 Conventional No No (No Data) (No Data) (No Data) No (No Data) Purchase No No No No No (No Data) (No Data) No Yes 1 6.8750 Yes No 0 (No Data) Yes No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 31.54 0 31.54 31.54 31.54 (No Data) (No Data) (No Data) 23696.81 No 0 (No Data) No No (No Data) No (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) Yes 4 No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) Yes 12 Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No No No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Tax Return - 12 months;
Business Tax Return - 12 months;
Paystub - 4 months;
W2 - 24 months		 Business Tax Return - 12 months;
Personal Tax Return - 24 months		 (No Data) (No Data) No (No Data) 0 (No Data) 0 No (No Data) (No Data) (No Data) (No Data) (No Data) XX
17 XX XX (No Data) XX GA ATR/QM: Exempt (No Data) (No Data) (No Data) XX Permanent Resident Alien Permanent Resident Alien (No Data) Investor Detached PUD 1 Conventional No No (No Data) (No Data) (No Data) No (No Data) Purchase No No No No No (No Data) (No Data) No Yes 1 6.9900 Yes No 0 (No Data) Yes No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 24.84 0 24.84 24.84 24.84 (No Data) (No Data) (No Data) 10618.77 No 0 (No Data) No No (No Data) No (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) Yes 1 No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) Yes 24 Yes 24 No (No Data) No (No Data) Yes 24 Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No No No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Tax Return - 24 months;
Personal Tax Return - 24 months		 Business Tax Return - 24 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 12 months		 (No Data) (No Data) No (No Data) 0 (No Data) 0 No (No Data) Green Card Green Card (No Data) (No Data) XX
18 XX XX (No Data) XX TX ATR/QM: Exempt (No Data) (No Data) (No Data) XX U.S. Citizen U.S. Citizen (No Data) Investor Detached PUD 1 Conventional No No (No Data) (No Data) (No Data) Yes (No Data) Purchase No No No No No (No Data) (No Data) No Exempt 1 7.9901 Yes No 0 (No Data) No Yes No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 31.27 0 31.27 31.27 31.27 (No Data) (No Data) (No Data) 40334.75 No 0 (No Data) No No (No Data) No (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes Independent Third Party (The Work Number, Equifax etc) 24 Yes Independent Third Party (The Work Number, Equifax etc) 24 No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No No No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Written VOE - 24 months Written VOE - 24 months (No Data) (No Data) No (No Data) 0 (No Data) 0 No (No Data) (No Data) (No Data) (No Data) (No Data) XX
19 XX XX (No Data) XX ID QM: Safe Harbor (APOR) No Present QM: Safe Harbor (APOR) XX U.S. Citizen U.S. Citizen (No Data) Second Home Detached PUD 1 Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No 1 6.4177 Yes Yes 1.529 1.529 No No No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No Yes Yes Yes No No (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 20.18 15.19 20.18 15.19 15.19 15.19 No No (No Data) 101533.75 No 0 (No Data) No No (No Data) No (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No No No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 0 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Tax Return - 12 months;
IRS Transcripts – Tax Return(s) - 0 months;
Personal Tax Return - 12 months		 (No Data) (No Data) (No Data) No (No Data) 0 (No Data) 0 No (No Data) (No Data) (No Data) (No Data) (No Data) XX
20 XX XX (No Data) XX FL QM: Safe Harbor (APOR) Yes Present QM: Safe Harbor (APOR) XX U.S. Citizen U.S. Citizen (No Data) Investor Detached PUD 1 Conventional No No No No (No Data) No No Cashout Refi No No No No No (No Data) (No Data) No Exempt 1 8.1716 No No 2.761 Not Applicable No Yes No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No Yes Yes Yes No Yes (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 46.96 46.56 46.96 46.56 46.56 46.56 No No (No Data) 3909.01 No 0 (No Data) No No (No Data) No (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) Yes 2 No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No No No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) 1099 - 24 months Paystub - 2 months;
W2 - 24 months		 (No Data) (No Data) No (No Data) 0 (No Data) 0 No (No Data) (No Data) (No Data) (No Data) (No Data) XX
20 XX XX (No Data) XX CA QM: Safe Harbor (APOR) No Present QM: Safe Harbor (APOR) XX U.S. Citizen U.S. Citizen (No Data) Investor SFR 1 Conventional No No No No (No Data) No No Cashout Refi No No No No No (No Data) (No Data) No Yes 1 6.1484 No No 1.693 0.000 Yes No No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No Yes Yes Yes No No (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 45.69 46.86 45.69 46.86 46.86 46.86 No No (No Data) 10178.4 No 0 (No Data) No No (No Data) No (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) Yes 1 No (No Data) No (No Data) No (No Data) Yes 24 Yes 24 No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No No No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 1 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Offer Letter - 1 months;
Paystub - 1 months;
W2 - 24 months		 CPA Letter - 12 months;
Personal Tax Return - 12 months;
W2 - 24 months		 (No Data) (No Data) No (No Data) 0 (No Data) 0 No (No Data) (No Data) (No Data) (No Data) (No Data) XX
21 XX XX (No Data) XX NC QM: Safe Harbor (APOR) No Present QM: Safe Harbor (APOR) XX U.S. Citizen U.S. Citizen (No Data) Second Home Detached PUD 1 Conventional No No No No (No Data) No No Cashout Refi No No No No No (No Data) (No Data) No Yes 1 6.6509 No No 0.28 0.000 Yes No No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No Yes Yes Yes Yes Yes (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 45.74 47.76 45.74 47.76 47.76 47.76 No No (No Data) 15044.9 No 0 (No Data) No No (No Data) No (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) Yes 1 No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes Independent Third Party (The Work Number, Equifax etc) 34 No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No No No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Award Letter - 12 months;
Paystub - 1 months;
W2 - 24 months;
Written VOE - 34 months		 (No Data) (No Data) (No Data) No (No Data) 0 (No Data) 0 No (No Data) (No Data) (No Data) (No Data) (No Data) XX
22 XX XX (No Data) XX TX ATR/QM: Exempt (No Data) (No Data) (No Data) XX U.S. Citizen U.S. Citizen (No Data) Investor SFR 1 Conventional No No (No Data) (No Data) (No Data) No (No Data) Cashout Refi No No No No No (No Data) (No Data) No Exempt 1 6.5000 Yes No 0 (No Data) No Yes No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 39.81 0 39.81 39.81 39.81 (No Data) (No Data) (No Data) 6219.48 No 0 (No Data) No No (No Data) No (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) Yes 1 No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No No No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) Paystub - 1 months;
W2 - 24 months		 (No Data) (No Data) No (No Data) 0 (No Data) 0 No (No Data) (No Data) (No Data) (No Data) (No Data) XX
23 XX XX (No Data) XX NC ATR/QM: Exempt (No Data) (No Data) (No Data) XX U.S. Citizen U.S. Citizen (No Data) Investor Attached PUD 1 Conventional No No (No Data) (No Data) (No Data) No (No Data) Purchase No No No No No (No Data) (No Data) No Yes 1 4.9900 Yes No 0 (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 26.26 0 26.26 26.26 26.26 (No Data) (No Data) (No Data) 15711.43 No 0 (No Data) No No (No Data) No (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) Yes 1 Yes 1 No (No Data) No (No Data) Yes 12 Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes FMNA 1005 24 Yes FMNA 1005 24 No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No No No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Paystub - 1 months;
W2 - 12 months;
Written VOE - 24 months		 Paystub - 1 months;
W2 - 12 months;
Written VOE - 24 months		 (No Data) (No Data) No (No Data) 0 (No Data) 0 No (No Data) (No Data) (No Data) (No Data) (No Data) XX
24 XX XX (No Data) XX MD QM: Rebuttable Presumption (APOR) No Present QM: Rebuttable Presumption (APOR) XX U.S. Citizen (No Data) (No Data) Second Home Detached PUD 1 Conventional No No No No (No Data) Yes No Cashout Refi No No No No No (No Data) (No Data) No No 1 8.0222 Yes Yes 0.232 0.000 No Yes No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No Yes Yes Yes Not Applicable No (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 21.44 20.63 21.44 20.63 20.63 20.63 No No (No Data) 48888.99 No 0 (No Data) No No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes Independent Third Party (The Work Number, Equifax etc) 34 No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No No No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Tax Return - 24 months;
W2 - 24 months;
Written VOE - 34 months		 (No Data) (No Data) (No Data) No (No Data) 0 (No Data) 0 No (No Data) (No Data) (No Data) (No Data) (No Data) XX
25 XX XX (No Data) XX NC QM: Safe Harbor (APOR) No Present QM: Safe Harbor (APOR) XX U.S. Citizen U.S. Citizen (No Data) Second Home Detached PUD 1 Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No Exempt 1 5.5940 No No 2.563 2.563 No Yes No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No Yes Yes Yes Not Applicable Yes (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 45.34 45.01 45.34 45.01 45.01 45.01 No No (No Data) 5393.69 No 0 (No Data) No No (No Data) No (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) Yes 1 Yes 1 No (No Data) No (No Data) Yes 24 Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes FMNA 1005 24 No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No No No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Paystub - 1 months;
W2 - 24 months;
Written VOE - 24 months		 Paystub - 1 months;
W2 - 24 months		 (No Data) (No Data) No (No Data) 0 (No Data) 0 No (No Data) (No Data) (No Data) (No Data) (No Data) XX
26 XX XX (No Data) XX TX QM: Safe Harbor (APOR) No Present QM: Safe Harbor (APOR) XX U.S. Citizen U.S. Citizen (No Data) Second Home Detached PUD 1 Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No Yes 1 7.3750 No No 0 0.398 Yes No No No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No Yes Yes Yes No No (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 48.89 49.65 48.89 49.65 49.65 49.65 No No (No Data) 11290.99 No 0 (No Data) No No (No Data) No (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No No No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 1 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Award Letter - 1 months (No Data) (No Data) (No Data) No (No Data) 0 (No Data) 0 No (No Data) (No Data) (No Data) (No Data) (No Data) XX
27 XX XX (No Data) XX ME QM: Safe Harbor (APOR) No Present QM: Safe Harbor (APOR) XX U.S. Citizen U.S. Citizen (No Data) Second Home SFR 1 Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No 1 6.6550 Yes Yes 0.208 0.208 No Yes No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No Yes Yes Yes No No (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 28.85 28.85 28.85 28.85 28.85 28.85 No No (No Data) 13237.73 No 0 (No Data) No No (No Data) No (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) Yes 1 Yes 1 No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes Independent Third Party (The Work Number, Equifax etc) 24 No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No No No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Paystub - 1 months;
Written VOE - 24 months		 Paystub - 1 months;
W2 - 12 months		 (No Data) (No Data) No (No Data) 0 (No Data) 0 No (No Data) (No Data) (No Data) (No Data) (No Data) XX
29 XX XX (No Data) XX MN QM: Safe Harbor (APOR) No Present QM: Safe Harbor (APOR) XX U.S. Citizen (No Data) (No Data) Second Home SFR 1 Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No 1 7.1098 Yes Yes 1.237 0.000 No Yes No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No Yes Yes Yes Yes Yes (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 32.8 33.73 32.8 33.73 33.73 33.73 No No (No Data) 9443.62 No 0 (No Data) No No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No No No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Award Letter - 12 months (No Data) (No Data) (No Data) No (No Data) 0 (No Data) 0 No (No Data) (No Data) (No Data) (No Data) (No Data) XX
61 XX XX XX XX MI ATR/QM: Exempt (No Data) (No Data) (No Data) XX U.S. Citizen U.S. Citizen (No Data) Investor Low Rise Condo (1-4) 1 Conventional No No (No Data) (No Data) (No Data) No (No Data) Rate and Term Refi No No No No No (No Data) (No Data) No Yes 1 7.0366 Yes No 1.4 (No Data) Yes No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 25.74 0 25.74 25.74 25.74 (No Data) (No Data) (No Data) 20672.94 No 0 (No Data) No No (No Data) No (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes Independent Third Party (The Work Number, Equifax etc) 24 Yes Independent Third Party (The Work Number, Equifax etc) 24 No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No No No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Written VOE - 24 months Written VOE - 24 months (No Data) (No Data) No (No Data) 0 (No Data) 0 No (No Data) (No Data) (No Data) (No Data) (No Data) XX
77 XX XX XX XX FL ATR/QM: Exempt (No Data) (No Data) (No Data) XX U.S. Citizen U.S. Citizen (No Data) Investor Low Rise Condo (1-4) 1 Conventional No No (No Data) (No Data) (No Data) No (No Data) Rate and Term Refi No No No No No (No Data) (No Data) No Yes 1 6.6758 Yes No 2.973 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 18.36 0 18.36 18.36 18.36 (No Data) (No Data) (No Data) 38086.97 No 0 (No Data) No No (No Data) No (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 Yes 24 No (No Data) No (No Data) Yes 24 Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) Yes Borrower 12 Yes Borrower 12 No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No No No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Tax Return - 24 months;
P & L - 12 months;
Personal Tax Return - 24 months		 Business Tax Return - 24 months;
P & L - 12 months;
Personal Tax Return - 24 months		 (No Data) (No Data) No (No Data) 0 (No Data) 0 No (No Data) (No Data) (No Data) (No Data) (No Data) XX
79 XX XX XX XX MI ATR/QM: Exempt (No Data) (No Data) (No Data) XX U.S. Citizen U.S. Citizen (No Data) Investor Low Rise Condo (1-4) 1 Conventional No No (No Data) (No Data) (No Data) No (No Data) Purchase No No No No No (No Data) (No Data) No Yes 1 6.9107 Yes No 2.573 (No Data) Yes No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 32.68 0 32.68 32.68 32.68 (No Data) (No Data) (No Data) 13402.08 No 0 (No Data) No No (No Data) No (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) Yes 1 Yes 1 No (No Data) No (No Data) Yes 12 Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes Independent Third Party (The Work Number, Equifax etc) 48 No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No No No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Paystub - 1 months;
W2 - 12 months;
Written VOE - 48 months		 Paystub - 1 months;
W2 - 24 months		 (No Data) (No Data) No (No Data) 0 (No Data) 0 No (No Data) (No Data) (No Data) (No Data) (No Data) XX
87 XX XX XX XX CA ATR/QM: Exempt (No Data) (No Data) (No Data) XX Permanent Resident Alien (No Data) (No Data) Investor SFR 1 Conventional No No (No Data) (No Data) (No Data) No (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 1 6.3963 Yes No 0.162 (No Data) No No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 40.43 0 40.43 40.43 40.43 (No Data) (No Data) (No Data) 31209.06 No 0 (No Data) No No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No No No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Tax Return - 12 months;
IRS Transcripts – Tax Return(s) - 12 months;
Personal Tax Return - 12 months;
W2 - 12 months		 (No Data) (No Data) (No Data) No (No Data) 0 (No Data) 0 No (No Data) Green Card (No Data) (No Data) (No Data) XX
97 XX XX XX XX CA ATR/QM: Exempt (No Data) (No Data) (No Data) XX U.S. Citizen Permanent Resident Alien (No Data) Investor 4 Family 4 Conventional No No (No Data) (No Data) (No Data) No (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 1 6.4748 No No 2.293 (No Data) No No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 47.08 0 47.08 47.08 47.08 (No Data) (No Data) (No Data) 9455.24 No 0 (No Data) No No (No Data) No (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) Yes 3 No (No Data) No (No Data) No (No Data) Yes 36 No (No Data) No (No Data) No (No Data) Yes 24 Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No No No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 3 months;
Personal Tax Return - 24 months;
W2 - 36 months		 IRS Transcripts – Tax Return(s) - 24 months;
Personal Tax Return - 24 months		 (No Data) (No Data) No (No Data) 0 (No Data) 0 No (No Data) (No Data) Green Card (No Data) (No Data) XX
104 XX XX XX XX LA ATR/QM: Exempt (No Data) (No Data) (No Data) XX U.S. Citizen U.S. Citizen (No Data) Investor 3 Family 3 Conventional No No (No Data) (No Data) (No Data) No (No Data) Purchase No No No No No (No Data) (No Data) No Yes 1 6.9898 No No 2.112 (No Data) No No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 49.94 0 49.94 49.94 49.94 (No Data) (No Data) (No Data) 16353.75 No 0 (No Data) No No (No Data) No (No Data) No No (No Data) No (No Data) (No Data) (No Data) Yes 1 Yes 1 Yes 1 No (No Data) Yes 24 Yes 24 Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes FMNA 1005 24 Yes FMNA 1005 12 No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No No No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 1 months;
W2 - 24 months;
Written VOE - 24 months		 Paystub - 1 months;
W2 - 24 months;
Written VOE - 12 months		 IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 1 months;
W2 - 24 months		 (No Data) No (No Data) 0 (No Data) 0 No (No Data) (No Data) (No Data) (No Data) (No Data) XX
106 XX XX XX XX IN Non-QM: Lender documented all ATR UW factors (No Data) Present Non-QM: Lender documented all ATR UW factors XX U.S. Citizen (No Data) (No Data) Primary Detached PUD 1 Conventional No No No No (No Data) No No Cashout Refi No No No No No (No Data) (No Data) Yes Yes 1 6.3719 No No 4.01 4.010 (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 49.66 49.65 49.66 49.65 49.65 49.65 No No (No Data) 3322.48 No 0 (No Data) No No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No No No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 6772 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 6772 months (No Data) (No Data) (No Data) No (No Data) 0 (No Data) 0 No (No Data) (No Data) (No Data) (No Data) (No Data) XX
114 XX XX XX XX MI ATR/QM: Exempt (No Data) (No Data) (No Data) XX U.S. Citizen U.S. Citizen (No Data) Investor Low Rise Condo (1-4) 1 Conventional No No (No Data) (No Data) (No Data) No (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 1 7.7806 No No 2.45 (No Data) No No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 49.83 0 49.83 49.83 49.83 (No Data) (No Data) (No Data) 7516.01 No 0 (No Data) No No (No Data) No (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) Yes 1 Yes 1 No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) Yes 24 Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) Yes Independent Third Party (The Work Number, Equifax etc) 24 No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No No No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months		 IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
Written VOE - 24 months		 (No Data) (No Data) No (No Data) 0 (No Data) 0 No (No Data) (No Data) (No Data) (No Data) (No Data) XX
124 XX XX XX XX NV ATR/QM: Exempt (No Data) (No Data) (No Data) XX U.S. Citizen (No Data) (No Data) Investor Low Rise Condo (1-4) 1 Conventional No No (No Data) (No Data) (No Data) Yes (No Data) Purchase No No No No No (No Data) (No Data) Yes Yes 1 7.9884 No No 6.393 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -2932.55 No 0 (No Data) No No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No No Yes 0.00 No (No Data) 1.1500 (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/rent schedule - 0 months (No Data) (No Data) (No Data) No (No Data) 0 (No Data) 0 No (No Data) (No Data) (No Data) (No Data) (No Data) XX
128 XX XX XX XX NC QM: Safe Harbor (APOR) Yes Present QM: Safe Harbor (APOR) XX U.S. Citizen (No Data) (No Data) Primary SFR 1 Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No 1 6.8263 Yes Yes 2.147 2.147 (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No Yes Yes Yes No Yes (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 4.8 2.8 4.8 2.8 2.8 2.8 No No (No Data) 299602.72 No 0 (No Data) No No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No No No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 12 months (No Data) (No Data) (No Data) No (No Data) 0 (No Data) 0 No (No Data) (No Data) (No Data) (No Data) (No Data) XX
141 XX XX XX XX FL Non-QM: Lender documented all ATR UW factors (No Data) Present Non-QM: Lender documented all ATR UW factors XX Non-Permanent Resident Alien (No Data) (No Data) Primary Detached PUD 1 Conventional No No No No (No Data) Yes No Purchase No No No No No (No Data) (No Data) Yes Yes 1 9.5519 No No 3.441 Not Applicable (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 46.8 46.98 46.8 46.98 46.98 46.98 No No (No Data) 6036.99 No 0 (No Data) No No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No No No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 48 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 12 months;
CPA Letter - 48 months		 (No Data) (No Data) (No Data) No (No Data) 0 (No Data) 0 No (No Data) Employment Authorization Document (No Data) (No Data) (No Data) XX
148 XX XX XX XX UT ATR/QM: Exempt (No Data) (No Data) (No Data) XX U.S. Citizen (No Data) (No Data) Investor SFR 1 Conventional No No (No Data) (No Data) (No Data) No (No Data) Cashout Refi No No No No Yes 6 mos interest on amt prepd in 12 mos that is >20% of OPB (No Data) Yes Yes 1 7.7381 No No 6.553 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -12309.49 No 0 (No Data) No No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No No Yes 3300.00 No (No Data) 1.0790 (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/rent schedule - 0 months (No Data) (No Data) (No Data) No (No Data) 0 (No Data) 0 No (No Data) (No Data) (No Data) (No Data) (No Data) XX
151 XX XX XX XX AL QM: Safe Harbor (APOR) Yes Present QM: Safe Harbor (APOR) XX U.S. Citizen U.S. Citizen (No Data) Investor Condotel 1 Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No Yes 1 7.0000 No No 0 0.000 (No Data) (No Data) No No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No Yes Yes Yes No Yes (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 0 46.34 0 46.34 46.34 46.34 No No (No Data) 12211.65 No 0 (No Data) No No (No Data) No (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) Yes 1 No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes Independent Third Party (The Work Number, Equifax etc) 24 No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No No No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Paystub - 1 months;
W2 - 24 months;
Written VOE - 24 months		 (No Data) (No Data) (No Data) No (No Data) 0 (No Data) 0 No (No Data) (No Data) (No Data) (No Data) (No Data) XX
153 XX XX XX XX CA QM: Safe Harbor (APOR) No Present QM: Safe Harbor (APOR) XX U.S. Citizen (No Data) (No Data) Primary 4 Family 4 Conventional No No No No (No Data) No No Cashout Refi No No No No No (No Data) (No Data) No Yes 1 6.9025 Yes No 0.436 Not Applicable (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No Yes Yes Yes No No (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 43.82 42.83 43.82 42.83 42.83 42.83 No No (No Data) 14938.76 No 0 (No Data) No No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes 1 No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 120 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 12 months;
CPA Letter - 120 months;
Paystub - 1 months;
W2 - 24 months		 (No Data) (No Data) (No Data) No (No Data) 0 (No Data) 0 No (No Data) (No Data) (No Data) (No Data) (No Data) XX
157 XX XX XX XX FL QM: Safe Harbor (APOR) Yes Present Non-QM: Lender documented all ATR UW factors XX U.S. Citizen (No Data) (No Data) Primary Detached PUD 1 Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No 1 6.6171 Yes Yes 2.984 2.984 (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No Yes Yes Yes No Yes (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 41.74 40.52 41.74 40.52 40.52 40.52 No No (No Data) 5695.43 No 0 (No Data) No No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No No No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Personal Bank Statements - 12 months (No Data) (No Data) (No Data) No (No Data) 0 (No Data) 0 No (No Data) (No Data) (No Data) (No Data) (No Data) XX
161 XX XX XX XX UT ATR/QM: Exempt (No Data) (No Data) (No Data) XX U.S. Citizen (No Data) (No Data) Investor SFR 1 Conventional No No (No Data) (No Data) (No Data) No (No Data) Rate and Term Refi No No No No Yes 6 mos interest of amt prepaid in 36 mos if amt prepd >20% of OPB (No Data) Yes Yes 1 6.9574 No No 8.777 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -20102.1 No 0 (No Data) No No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No No Yes 3115.00 No (No Data) 1.1202 (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/rent schedule - 0 months (No Data) (No Data) (No Data) No (No Data) 0 (No Data) 0 No (No Data) (No Data) (No Data) (No Data) (No Data) XX
165 XX XX XX XX OH ATR/QM: Exempt (No Data) (No Data) (No Data) XX U.S. Citizen (No Data) (No Data) Investor 2 Family 2 Conventional No No (No Data) (No Data) (No Data) No (No Data) Purchase No No No No No (No Data) (No Data) Yes Yes 1 7.6531 No No 3.833 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -3562.31 No 0 (No Data) No No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No No Yes 3200.00 No (No Data) 1.5300 (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/rent schedule - 0 months (No Data) (No Data) (No Data) No (No Data) 0 (No Data) 0 No (No Data) (No Data) (No Data) (No Data) (No Data) XX
217 XX XX (No Data) XX FL ATR/QM: Exempt (No Data) (No Data) (No Data) XX U.S. Citizen U.S. Citizen (No Data) Investor 2 Family 2 Conventional No No (No Data) (No Data) (No Data) No (No Data) Purchase No No No No No (No Data) (No Data) No Exempt 1 6.8750 Yes No 0 (No Data) No Yes No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 26.17 0 26.17 26.17 26.17 (No Data) (No Data) (No Data) 65085.98 No 0 (No Data) No No (No Data) No (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 Yes 24 No (No Data) No (No Data) Yes 24 Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes Independent Third Party (The Work Number, Equifax etc) 24 No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No No No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Tax Return - 24 months;
Personal Tax Return - 24 months;
Written VOE - 24 months		 Business Tax Return - 24 months;
Personal Tax Return - 24 months		 (No Data) (No Data) No (No Data) 0 (No Data) 0 No (No Data) (No Data) (No Data) (No Data) (No Data) XX
256 XX XX (No Data) XX GA ATR/QM: Exempt (No Data) (No Data) (No Data) XX U.S. Citizen (No Data) (No Data) Investor SFR 1 Conventional No No (No Data) (No Data) (No Data) No (No Data) Purchase No No No No No (No Data) (No Data) No Exempt 1 6.9900 Yes No 0 (No Data) No Yes No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 17.81 0 17.81 17.81 17.81 (No Data) (No Data) (No Data) 20000.76 No 0 (No Data) No No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes 1 No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No Yes No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Paystub - 1 months;
W2 - 12 months		 (No Data) (No Data) (No Data) No (No Data) 0 (No Data) 0 No (No Data) (No Data) (No Data) (No Data) (No Data) XX
265 XX XX (No Data) XX OH ATR/QM: Exempt (No Data) (No Data) (No Data) XX U.S. Citizen U.S. Citizen (No Data) Investor Low Rise Condo (1-4) 1 Conventional No No (No Data) (No Data) (No Data) No (No Data) Purchase No No No No No (No Data) (No Data) No Exempt 1 7.3750 No No 0 (No Data) No Yes No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 44.62 0 44.62 44.62 44.62 (No Data) (No Data) (No Data) 8107.8 No 0 (No Data) No No (No Data) No (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) Yes 1 Yes 1 No (No Data) No (No Data) Yes 24 Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No No No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Paystub - 1 months;
W2 - 24 months		 Paystub - 1 months;
W2 - 24 months		 (No Data) (No Data) No (No Data) 0 (No Data) 0 No (No Data) (No Data) (No Data) (No Data) (No Data) XX
313 XX XX XX XX CA ATR/QM: Exempt (No Data) (No Data) (No Data) XX (No Data) U.S. Citizen (No Data) Investor 3 Family 3 Conventional No No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No Yes 6 mos interest on amt prepd that is >20% of OPB (No Data) No Yes 1 6.8750 No No 2.75 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -4426.35 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No Yes (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) Yes 6100.00 No (No Data) 1.3781 (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/rent schedule - 0 months DSCR - w/rent schedule - 0 months (No Data) (No Data) No (No Data) 0 (No Data) 0 No (No Data) (No Data) (No Data) (No Data) (No Data) XX
318 XX XX XX XX FL Non-QM: Lender documented all ATR UW factors (No Data) Present Non-QM: Lender documented all ATR UW factors XX U.S. Citizen (No Data) (No Data) Primary SFR 1 Conventional No No No No (No Data) Yes No Purchase No No No No No (No Data) (No Data) Yes No 1 6.9834 Yes Yes 4.949 0.000 (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 37.22 37.22 37.22 37.22 37.22 37.22 Yes Yes Yes 7976.01 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) Yes (No Data) 5 No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) CPA Letter without Income - 24 months;
P & L - 5 months;
W2 - 24 months		 (No Data) (No Data) (No Data) No (No Data) 0 (No Data) 0 No (No Data) (No Data) (No Data) (No Data) (No Data) XX
324 XX XX (No Data) XX FL ATR/QM: Exempt (No Data) (No Data) (No Data) XX U.S. Citizen (No Data) (No Data) Investor Detached PUD 1 Conventional No No (No Data) (No Data) (No Data) No (No Data) Purchase No No No No No (No Data) (No Data) No Yes 1 7.7501 Yes No 0 (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 38.88 0 38.88 38.88 38.88 (No Data) (No Data) (No Data) 25843.19 No 0 (No Data) No No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes 1 No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No No No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) IRS Transcripts – W2(s) - 24 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months		 (No Data) (No Data) (No Data) No (No Data) 0 (No Data) 0 No (No Data) (No Data) (No Data) (No Data) (No Data) XX
339 XX XX (No Data) XX GA ATR/QM: Exempt (No Data) (No Data) (No Data) XX U.S. Citizen (No Data) (No Data) Investor Detached PUD 1 Conventional No No (No Data) (No Data) (No Data) No (No Data) Purchase No No No No No (No Data) (No Data) No Yes 1 6.8750 Yes No 0 (No Data) Yes No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 29.09 0 29.09 29.09 29.09 (No Data) (No Data) (No Data) 7125.93 No 0 (No Data) No No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes 24 No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes Independent Third Party (The Work Number, Equifax etc) 24 No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No No No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) IRS Transcripts – Tax Return(s) - 12 months;
Paystub - 24 months;
Personal Tax Return - 12 months;
W2 - 24 months;
Written VOE - 24 months		 (No Data) (No Data) (No Data) No (No Data) 0 (No Data) 0 No (No Data) (No Data) (No Data) (No Data) (No Data) XX
344 XX XX XX XX CA Non-QM: Lender documented all ATR UW factors (No Data) Present Non-QM: Lender documented all ATR UW factors XX U.S. Citizen (No Data) (No Data) Primary SFR 1 Conventional No No No No (No Data) No No Cashout Refi No Yes No No No (No Data) (No Data) No No 1 6.5414 Yes Yes 0.648 Not Applicable (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 39.38 39.29 39.38 34.37 34.37 34.37 Yes Yes Yes 40802.93 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 144 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 14 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 14 months;
CPA Letter without Income - 144 months		 (No Data) (No Data) (No Data) No (No Data) 0 (No Data) 0 No (No Data) (No Data) (No Data) (No Data) (No Data) XX
353 XX XX (No Data) XX TX ATR/QM: Exempt (No Data) (No Data) (No Data) XX U.S. Citizen U.S. Citizen (No Data) Investor 2 Family 2 Conventional No No (No Data) (No Data) (No Data) No (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 1 6.9900 Yes No 0 (No Data) Yes No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 37.64 0 37.64 37.64 37.64 (No Data) (No Data) (No Data) 16861.74 No 0 (No Data) No No (No Data) No (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) Yes Independent Third Party (The Work Number, Equifax etc) 24 No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No No No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Personal Tax Return - 12 months Written VOE - 24 months (No Data) (No Data) No (No Data) 0 (No Data) 0 No (No Data) (No Data) (No Data) (No Data) (No Data) XX
371 XX XX (No Data) XX FL QM: Rebuttable Presumption (APOR) No Present QM: Rebuttable Presumption (APOR) XX U.S. Citizen (No Data) (No Data) Second Home Detached PUD 1 Conventional No No No No (No Data) Yes No Purchase No No No No No (No Data) (No Data) No No 1 8.4166 Yes Yes 2.01 Not Applicable Yes No No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No Yes Yes Yes Not Applicable No (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 40.37 42.93 40.37 42.93 42.93 42.93 No No (No Data) 5157.76 No 0 (No Data) No No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes 1 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes FMNA 1005 24 No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No No No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
Written VOE - 24 months		 (No Data) (No Data) (No Data) No (No Data) 0 (No Data) 0 No (No Data) (No Data) (No Data) (No Data) (No Data) XX
378 XX XX (No Data) XX NJ QM: Safe Harbor (APOR) No Present QM: Safe Harbor (APOR) XX U.S. Citizen (No Data) (No Data) Second Home Low Rise Condo (1-4) 1 Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No Yes 1 8.1564 No No 1.506 1.297 Yes No No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No Yes Yes Yes Not Applicable Yes (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 49.91 49.7 49.91 49.7 49.7 49.7 No No (No Data) 12154.85 No 0 (No Data) No No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes Independent Third Party (The Work Number, Equifax etc) 24 No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No No No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Written VOE - 24 months (No Data) (No Data) (No Data) No (No Data) 0 (No Data) 0 No (No Data) (No Data) (No Data) (No Data) (No Data) XX
391 XX XX (No Data) XX AK QM: Rebuttable Presumption (APOR) No Present QM: Safe Harbor (APOR) XX U.S. Citizen (No Data) (No Data) Second Home SFR 1 Conventional No No No No (No Data) Yes No Purchase No No No No No (No Data) (No Data) No No 1 8.6937 Yes Yes 2.844 Not Applicable No Yes No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No Yes Yes Yes No No (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 41.46 41.46 41.46 41.46 41.46 41.46 No No (No Data) 15637.03 No 0 (No Data) No No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No No No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Tax Return - 12 months;
IRS Transcripts – Tax Return(s) - 12 months;
Personal Tax Return - 12 months;
W2 - 12 months		 (No Data) (No Data) (No Data) No (No Data) 0 (No Data) 0 No (No Data) (No Data) (No Data) (No Data) (No Data) XX
405 XX XX (No Data) XX CO QM: Safe Harbor (APOR) No Present QM: Safe Harbor (APOR) XX U.S. Citizen (No Data) (No Data) Second Home SFR 1 Conventional No No No No (No Data) No No Rate and Term Refi No No No No No (No Data) (No Data) No No 1 7.6689 Yes Yes 0.508 0.508 Yes No No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No Yes Yes Yes Not Applicable No (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 36.97 36.93 36.97 36.93 36.93 36.93 No No (No Data) 16724.54 No 0 (No Data) No No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Tax Return - 24 months;
CPA Letter without Income - 24 months;
IRS Transcripts – Tax Return(s) - 24 months;
Personal Tax Return - 24 months		 (No Data) (No Data) (No Data) No (No Data) 0 (No Data) 0 No (No Data) (No Data) (No Data) (No Data) (No Data) XX
406 XX XX (No Data) XX FL ATR/QM: Exempt (No Data) (No Data) (No Data) XX U.S. Citizen (No Data) (No Data) Investor Detached PUD 1 Conventional No No (No Data) (No Data) (No Data) No (No Data) Purchase No No No No No (No Data) (No Data) No Exempt 1 6.9900 Yes No 0 (No Data) No Yes No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 39.22 0 39.22 39.22 39.22 (No Data) (No Data) (No Data) 9968.3 No 0 (No Data) No No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes 1 No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No No No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) IRS Transcripts – Tax Return(s) - 12 months;
Paystub - 1 months;
Personal Tax Return - 12 months;
W2 - 24 months		 (No Data) (No Data) (No Data) No (No Data) 0 (No Data) 0 No (No Data) (No Data) (No Data) (No Data) (No Data) XX
452 XX XX (No Data) XX MA QM: Safe Harbor (APOR) No Present QM: Safe Harbor (APOR) XX U.S. Citizen (No Data) (No Data) Second Home SFR 1 Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No 1 6.9533 Yes Yes 2.926 Not Applicable No Yes No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No Yes Yes Yes Not Applicable No (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 21.69 23.11 21.69 23.11 23.11 23.11 No No (No Data) 18892.77 No 0 (No Data) No No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes 1 No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Paystub - 1 months;
W2 - 12 months		 (No Data) (No Data) (No Data) No (No Data) 0 (No Data) 0 No (No Data) (No Data) (No Data) (No Data) (No Data) XX
454 XX XX (No Data) XX CA ATR/QM: Exempt (No Data) (No Data) (No Data) XX U.S. Citizen U.S. Citizen (No Data) Investor SFR 1 Conventional No No (No Data) (No Data) (No Data) No (No Data) Purchase No No No No No (No Data) (No Data) No Exempt 1 7.3750 Yes No 0 (No Data) No Yes No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 30.87 0 30.87 30.87 30.87 (No Data) (No Data) (No Data) 10848.72 No 0 (No Data) No No (No Data) No (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) Yes Independent Third Party (The Work Number, Equifax etc) 1 No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No No No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) CPA Letter - 24 months;
IRS Transcripts – Tax Return(s) - 24 months;
Personal Tax Return - 24 months		 IRS Transcripts – Tax Return(s) - 24 months;
Personal Tax Return - 24 months;
Written VOE - 1 months		 (No Data) (No Data) No (No Data) 0 (No Data) 0 No (No Data) (No Data) (No Data) (No Data) (No Data) XX
473 XX XX (No Data) XX RI ATR/QM: Exempt (No Data) (No Data) (No Data) XX U.S. Citizen (No Data) (No Data) Investor 4 Family 4 Conventional No No (No Data) (No Data) (No Data) No (No Data) Purchase No No No No No (No Data) (No Data) No Yes 1 7.5000 Yes No 0 (No Data) Yes No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 25.22 0 25.22 25.22 25.22 (No Data) (No Data) (No Data) 8560.19 No 0 (No Data) No No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes 1 No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes Independent Third Party (The Work Number, Equifax etc) 31 No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No No No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Paystub - 1 months;
Personal Tax Return - 12 months;
W2 - 12 months;
Written VOE - 31 months		 (No Data) (No Data) (No Data) No (No Data) 0 (No Data) 0 No (No Data) (No Data) (No Data) (No Data) (No Data) XX
485 XX XX (No Data) XX AZ ATR/QM: Exempt (No Data) (No Data) (No Data) XX U.S. Citizen (No Data) (No Data) Investor Detached PUD 1 Conventional No No (No Data) (No Data) (No Data) No (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 1 7.7501 Yes No 0 (No Data) Yes No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 40.78 0 40.78 40.78 40.78 (No Data) (No Data) (No Data) 12639.04 No 0 (No Data) No No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes 1 No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No No No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Paystub - 1 months;
W2 - 24 months		 (No Data) (No Data) (No Data) No (No Data) 0 (No Data) 0 No (No Data) (No Data) (No Data) (No Data) (No Data) XX
558 XX XX (No Data) XX TX QM: Safe Harbor (APOR) No Present QM: Safe Harbor (APOR) XX U.S. Citizen (No Data) (No Data) Second Home Detached PUD 1 Conventional No No No No (No Data) No No Rate and Term Refi No No No No No (No Data) (No Data) No Yes 1 6.8399 No No 2.01 Not Applicable Yes No No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No Yes Yes Yes Not Applicable No (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 44.88 44.89 44.88 44.89 44.89 44.89 No No (No Data) 5321.05 No 0 (No Data) No No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes Independent Third Party (The Work Number, Equifax etc) 29 No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No No No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) W2 - 24 months;
Written VOE - 29 months		 (No Data) (No Data) (No Data) No (No Data) 0 (No Data) 0 No (No Data) (No Data) (No Data) (No Data) (No Data) XX
565 XX XX (No Data) XX NH ATR/QM: Exempt (No Data) (No Data) (No Data) XX U.S. Citizen (No Data) (No Data) Investor Low Rise Condo (1-4) 1 Conventional No No (No Data) (No Data) (No Data) No (No Data) Purchase No No No No No (No Data) (No Data) No Yes 1 6.9900 Yes No 0 (No Data) Yes No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 24.76 0 24.76 24.76 24.76 (No Data) (No Data) (No Data) 7037.02 No 0 (No Data) No No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes 1 No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No No No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 1 months;
Personal Bank Statements - 12 months;
W2 - 12 months		 (No Data) (No Data) (No Data) No (No Data) 0 (No Data) 0 No (No Data) (No Data) (No Data) (No Data) (No Data) XX
581 XX XX (No Data) XX CA ATR/QM: Exempt (No Data) (No Data) (No Data) XX U.S. Citizen (No Data) (No Data) Investor SFR 1 Conventional No No (No Data) (No Data) (No Data) No (No Data) Purchase No No No No No (No Data) (No Data) No Exempt 1 7.3750 Yes No 0 (No Data) No Yes No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 41.27 0 41.27 41.27 41.27 (No Data) (No Data) (No Data) 19180.39 No 0 (No Data) No No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) Yes Borrower 6 No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No No No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Tax Return - 24 months;
IRS Transcripts – Tax Return(s) - 24 months;
P & L - 6 months;
Personal Tax Return - 24 months;
W2 - 12 months		 (No Data) (No Data) (No Data) No (No Data) 0 (No Data) 0 No (No Data) (No Data) (No Data) (No Data) (No Data) XX
626 XX XX (No Data) XX CA ATR/QM: Exempt (No Data) (No Data) (No Data) XX U.S. Citizen (No Data) (No Data) Investor SFR 1 Conventional No No (No Data) (No Data) (No Data) No (No Data) Purchase No No No No No (No Data) (No Data) No Exempt 1 6.8750 No No 0 (No Data) No Yes No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 44.65 0 44.65 44.65 44.65 (No Data) (No Data) (No Data) 7621.28 No 0 (No Data) No No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No No No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 1 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Award Letter - 1 months;
IRS Transcripts – Tax Return(s) - 12 months;
Personal Tax Return - 12 months		 (No Data) (No Data) (No Data) No (No Data) 0 (No Data) 0 No (No Data) (No Data) (No Data) (No Data) (No Data) XX
654 XX XX (No Data) XX SC ATR/QM: Exempt (No Data) (No Data) (No Data) XX U.S. Citizen U.S. Citizen (No Data) Investor Detached PUD 1 Conventional No No (No Data) (No Data) (No Data) No (No Data) Purchase No No No No No (No Data) (No Data) No Exempt 1 7.3750 No No 0 (No Data) No Yes No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 47.69 0 47.69 47.69 47.69 (No Data) (No Data) (No Data) 4496.25 No 0 (No Data) No No (No Data) No (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No No No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 1 Yes 1 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Award Letter - 1 months;
Personal Tax Return - 12 months		 Award Letter - 1 months;
Personal Tax Return - 12 months		 (No Data) (No Data) No (No Data) 0 (No Data) 0 No (No Data) (No Data) (No Data) (No Data) (No Data) XX
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               
 


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