Exhibit 99.4
| Client Name: | |
| Client Project Name: | ACHM 2026-HE1 |
| Start - End Dates: | 6/26/2023 - 7/2/2026 |
| Deal Loan Count: | 656 |
| Waived Conditions Summary | |
| Review Scope | Category | Code | Description | Count |
| Credit | Terms/Guidelines | CRDTER110 | Loan amount exceeds guideline maximum | 1 |
| Credit | DTI | CRDDTI187 | Debt Ratio > XXX% | 1 |
| Credit | Title | CRDTIL100 | Potential title issue | 1 |
| Property Valuations | Value | PRVAVALU5249 | Property Value Not Supported | 8 |
| Compliance | County High Cost | CMPCHC5380 | ILCK High-Cost Loan by exceeding points and fees threshold | 8 |
| Total | 19 |
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