Exhibit 99.12

Item 5

To Whom It May Concern:

Westcor Land Title Insurance Company was engaged by PRMI Capital Markets LLC as diligence agent to order and review title reports for a population of 48 mortgage loans. Said title reports were obtained and reviewed in May and June 2026. With respect to these 48 mortgage loans:

General Findings:

As set forth in the title reports:

For 48 mortgage loans, the subject mortgage is recorded in the appropriate recording jurisdiction.

Findings with Respect to Pre-Origination MTG/Non-MTG Liens Only:

As set forth in the title reports:

For 46 mortgage loans, the title/lien search confirms the subject mortgage in expected lien position.

For 2 mortgage loans, the title/lien search does not confirm the subject mortgage in expected lien position, but a clear title policy confirms the lien insured in expected lien position.

Thank You,

Westcor Land Title Insurance Company

401 Plymouth Road, Suite 500, Plymouth Meeting, PA 19462