Exhibit 99.5 Schedule 3
| Marketing ID | Loan ID | Seller Loan ID | Investor Loan ID | Overall Initial Loan Grade | Overall Final Loan Grade | Credit Initial Loan Grade | Credit Current/Final Loan Grade | Compliance Initial Loan Grade | Compliance Current/Final Loan Grade | Property Initial Loan Grade | Property Current/Final Loan Grade | Queue | Finding Code | Date Created | Date Modified | Finding Status | Event Level | Initial Finding Grade | Current/Final Finding Grade | Finding Category | Finding Sub Category | Finding Name | Finding Comments | Seller Comments | Resolution Comments | Reviewer Comp Factor | Originator Comp Factors | Finding Documents | Originator QM Status | Final Reviewed QM Status | Loan Amount | Property State | Occupancy | Loan Purpose | Refinance Purpose | Acknowledged / WaivedBy | Waiver in File? | Unique Finding ID |
| 858 | XX | D | A | D | A | A | A | A | A | Closed | FCRE3091 | 2026-03-24 13:15 | 2026-04-03 10:04 | Resolved | 1 - Information | C | A | Credit | Insurance | Master Policy Expiration Date is Prior To the Transaction Date | Resolved-Master Policy
Expiration Date of 06-XX-2026 is Equal to or After the Transaction Date of
03-XX-2026 Or Master Policy Expiration Date Is Not Provided - Due Diligence
Vendor-04/XX/2026 Ready for Review-Document Uploaded. - Buyer-04/XX/2026 Open-Lender to provide the current Master HOA Policy. The Master Policy in file indicates policy effective date for Section A coverage (Property/Building/Windstorm or Hail/Terrorism) as 06/XX/2024 to 06/XX/2025 which was expired at time of closing (03/XX/2026). - Due Diligence Vendor-03/XX/2026 |
Resolved-Master Policy
Expiration Date of 06-29-2026 is Equal to or After the Transaction Date of
03-13-2026 Or Master Policy Expiration Date Is Not Provided - Due Diligence
Vendor-04/03/2026 |
Low Credit Usage Ratio Of
Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five
Percent (25%) Or Less - Credit Line Usage Ratio equals 0.18 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 19.3% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.42 Years |
XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | NC | Second Home | Purchase | NA | N/A | N/A | XX | ||||
| 858 | XX | D | A | D | A | A | A | A | A | Closed | FCRE6843 | 2026-03-24 13:04 | 2026-04-03 10:03 | Resolved | 1 - Information | C | A | Credit | Assets | Asset General | Resolved- - Due Diligence
Vendor-04/XX/2026 Ready for Review-Document Uploaded. We didn't count the EMD or due diligence in our final cash to close - Buyer-04/XX/2026 Open-Lender to provide documentation to confirm the $500 check #XX that cleared XX #XX on 11/7/2025 is the earnest money check and documentation to confirm $1000 due diligence check #XX, dated 2/XX/2026 clearedXX - Due Diligence Vendor-03/XX/2026 |
Low Credit Usage Ratio Of
Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five
Percent (25%) Or Less - Credit Line Usage Ratio equals 0.18 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 19.3% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.42 Years |
XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | NC | Second Home | Purchase | NA | N/A | N/A | XX | |||||
| 858 | XX | D | A | D | A | A | A | A | A | Closed | FCRE2000 | 2026-03-24 13:06 | 2026-03-27 07:43 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Property | Incomplete or Unexecuted Purchase Contract | Resolved-Purchase Contract
Issue Resolved - Due Diligence Vendor-03/XX/2026 Ready for Review-Document Uploaded. - Buyer-03/XX/2026 Open-Incomplete or unexecuted Purchase Contract. Lender to provide Addendum/Amendment to Purchase Contract reducing Seller Credit from $1500 to $1200 as confirmed on Final CD. - Due Diligence Vendor-03/XX/2026 |
Resolved-Purchase Contract
Issue Resolved - Due Diligence Vendor-03/27/2026 |
Low Credit Usage Ratio Of
Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five
Percent (25%) Or Less - Credit Line Usage Ratio equals 0.18 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 19.3% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.42 Years |
XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | NC | Second Home | Purchase | NA | N/A | N/A | XX | ||||
| 864 | XX | C | A | C | A | A | A | A | A | Closed | FCRE1167 | 2026-04-01 15:50 | 2026-04-07 10:36 | Resolved | 1 - Information | C | A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Resolved-Sufficent Hazard
Insurance Coverage is provided - Due Diligence Vendor-04/XX/2026 Ready for Review-Document Uploaded. - Buyer-04/XX/2026 Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of $XX is less than the minimum required coverage amount of $XX Please provide Replacement Cost estimate or documentation showing coverage of $XX - Due Diligence Vendor-04/XX/2026 |
Resolved-Sufficent Hazard
Insurance Coverage is provided - Due Diligence Vendor-04/07/2026 |
Qualifying FICO is Greater
Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of
766 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More
Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.82 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 |
XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | FL | Primary Residence | Purchase | NA | N/A | N/A | XX |